davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I checked my credit on XXXX XXXX around XXXX XXXX, 2016. And then again around XXXX XXXX. There were inquiries that were removed and put back on. I Called and spoke to numerous reps and they refused to connect you to a supervisor or anyone in American offices to remove the inquires due to the Transunion Glitch. Some of the representatives were even belligerent and knew of the issue but told me too bad. I would like the following inquires removed as a result of this : ALLY FINANCIAL, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX MORTGAGE SERVICE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2015-09-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

the information on my credit score is all over 7-10 years old i got hurt at work in around XX/XX/XXXX and tried to go back to work in XX/XX/XXXX but could not now i am trying to go back to work again and this credit score will not let me do any thing i have to work for myself because my injury makes me very unreliable why does n't XXXX take care of me why do i have to have social security pay me not even near what i was making this country does not take care of its working men when they get hurt on the job i worked hard all my life i was getting ready to retire now i am homeless and have nothing
Consumer complaint received 2016-06-23
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (MA)

We consigned a loan for our nephew from Navient. He lost his job and was out of work for a period and he fell 7 months behind in his payments. Navient sent me a demand letter. I called and spoke with a Navient collections agent. He told me that if I made the account current, once the transaction had been recorded I could call up customer service and get his payment down to something he could afford. After I made the payment, and it was recorded, I called customer service and was told I would need to apply for a hardship adjustment, but both us and my nephews finances would have to be approved for a hardship case. If we do n't qualify, the payment remains unaffordable for my nephew. I was never informed about applying for a hardship, he made it sound like it was a quick phone call, and we would be all set. I feel like a collections guy needed to make quota, so he would say anything to get my credit card number. I requested a call from their supervisor, but that has n't happened yet. 
If this loan was reduced to the {$70.00}, 30 year, 1 % that the collection guy told me, my nephew would be able to make the payments, and when he gets more income, would be able to increase the amount. I just want what the collection rep at Navient said we could get.
Consumer complaint received 2016-02-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have reviewed my credit reports from XXXX and Transunion and they are reporting incorrect information such my name, missing employment status and the name of my employer, incorrect accounts, incorrect balances, age of credit, auto loans, an relating my name and social security to a person I have no relation. 

This affects my overall rating, access to credit, interest rates, among other information frequently used for background check. I notified my inquiries to them but no change has been made. Their lack of ethical practices is damaging my credibility as a trustful credit, I need to have them fix the reports to show what is really my income sources and creditworthiness as well as avoid potential identity theft.
Consumer complaint received 2016-03-01
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

had requested Transunion to investigate a credit inquiry for XXXXbank dated XXXX/XXXX/2015. I was told in the response that I had to dispute directly to XXXXbank. I do not know of this company and have never requested them to run my credit. FCRA allows me the opportunity to validate claims made on my credit report. I simply asked for the copy of the signed credit application and identification used to validate the identity of the person requesting credit. If the Credit Reporting agency refuses to do this they are in violation of the FCRA. I did not request this company run my credit report. If they did what they are supposed to do then it would show that I did not request this inquiry. Inquiry shoul dbe investigated in accordance with the FCRA, once investigated it should be removed.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

XXXX XXXX XXXX XXXX XXXX capital one XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-01-22
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

My husband and I live in a XXXX unit townhome complex in XXXX, Texas. XX/XX/2015 we shopped to refinance our home mortgage after 17 years of payments at a high interest rate with only XXXX % of the value left on the home. We received several bids and picked Bank of America based on their estimated closing costs. 

We sent in all of the documentation they requested and were assured the closing costs were accurate. 

Approximately 35 days later, after interest rates went up, BOA said they needed to charge us approximately {$500.00} for an new survey. We told them we sent them the survey from our XXXX XXXX on day 1. They said it was insufficient. 

In addition, we had to submit the same information we gave them day 1, with pay stubs and tax returns a second time. We asked why and they said it was because they submitted the wrong SSN and had to do it again? We lost several hours of income providing this information a second time.
Consumer complaint received 2016-12-13
Product: Credit card — 
Issue: Late fee — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America just last week, without warning, closed all XXXX of my credit card accounts with them. I just got the letters on the weekend, they were all identical and all dated XX/XX/2016. There was no apparent reason for the closure other than my having actually USED the accounts, you know, as in, I dared to actually use the amount of credit they had already assigned and granted to me! -- and another reason cited was " the state of the overall economy. '' As a result of closing absolutely everything, when I asked again today to have a NSF fee reversed as the payment had been made a month ago from a different account, not XXXX which got me in trouble with this payment when they closed my line of credit without telling me and without a reason. So in speaking to Bank of AMerica today, I was told first that the agent " could n't understand why it would not reverse '', and then she said " oh, the reason it wo n't allow me to reverse it is because the account is closed. '' So I told her that I had originally requested that the {$26.00} fee be reversed on XX/XX/2016, in other words more than a month ago when I had made the {$76.00} payment from my other bank ( XXXX ) account -- -and when my XXXX Bank of America accounts were all open. Apparently the request was forgotten, lost, pigeon-holed, or denied without telling me, because it was never reversed. I just got my credit card statement yesterday and in looking for that reversal I noticed that there was no reversal of the {$26.00} fee as I had requested, so I called to get that fee reversed today and that is when I was told that NOW it " could NOT BE REVERSED because the account was closed. ''
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (MS)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the Polaris letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2015-09-23
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated an attorney or official
Company: TRANSWORLD SYSTEMS INC (CA)

The phone number they call from is XXXX. They have said that their names are XXXX XXXX and XXXX XXXX. After pressing them, they then say that they are Transworld and are trying to collect a debt for medical expenses. They start demanding credit card information and social security number for verification purposes ( yeah right )
Consumer complaint received 2015-05-13
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (HI)

Notary of home modification papers, Bank of America. More than willing to notary sign papers again for the 6th time when I receive written letter from Bank of America that this would be my last time in doing so. Told Bank of America contact, XXXX XXXX, that to contact XXXX XXXX ( contract with Bank of America to do notary ) not to call my house or come to my house to do notary ). XXXX called on Tues, XX/XX/2015 to notarize papers. I consider this as an intentional act of harassment because I told Bank of America to contact XXXX XXXX to cease all contact with me, until further notice. 
Action requested : Bank of America to inform their contract notary company to cease calling my house and do not come to my house to do so. 

XXXX XXXX
Consumer complaint received 2016-10-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I disputed the following credit inquiries on my TransUnion credit report both online and over the phone. I was told these inquiries would not be removed by many rude representatives. I have a fraud alert on my credit report and these inquiries need to be deleted as none of them are mine.
Consumer complaint received 2016-11-16
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The CBE Group, Inc. (UT)

My rights have been violated repeatedly. I can not receive a home loan because of these alleged accounts that are reporting negatively by the CBE Group. a medical debt collector that is currently reporting XXXX collection accounts on my credit report. I have made disputes with the CBE group and with the XXXX bureau 's. The supposed investigation claims the debt is verified. 
I have had my credit report pulled three times in the past three months. Each report contains the same errors. 
For example : Alleged Account # XXXX " opened '' XX/XX/XXXX meaning the alleged account was opened XX/XX/XXXX. 
When I call the CBE Group they do not have record of an Account Opened date. They have a " SERVICE DATE ''. not one of the XXXX credit bureau 's have a " SERVICE DATE ''. CBE should n't be able to put information in what ever section they think is right or might go. 
And the " DLA '' date of last activity. Can not predate the " opened '' date. Any account must be opened before it can have activity on it. I have explained this to the CBE Group and to the XXXX Bureau 's.
Consumer complaint received 2017-03-22
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I have two issues. 
I have a credit card with Bank of America. I put in a change of address with them. I did not receive my bill and received a late fee. I subsequently paid my bill. I requested that they waive the fee and they turned me down. As a XXXX I complained to investor relations and they notified a debt collector who sent me an email yesterday.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the inquiries listed IMMEDIATELY.
Consumer complaint received 2016-03-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

the IRS and Minnesota revenue released me from tax liens debts and it was my ex husbands business in which I just signed the tax returns at the end of the year. My name was never on his business. 
I would like the credit bureau to completely removed the tax liens from my credit report since the debt was never mine and the IRS and Minnesota Revenue released me from these debts.
Consumer complaint received 2017-01-10
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have been disputing hard inquiries on my credit report that posted in XX/XX/2015. I have sent several letters and called to have inquiries removed for reason that I did not apply for credit with these companies. I have been told that my information was not in there system because an account was never opened but the inquiry is there on report. if they do n't have an account they have no way of investigating and of course they will not take my word.
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (SC)

This letter is a formal complaint that you are reporting inaccurate and fraudulent credit information on my credit report. I would like to inform you that I am a victim of Erroneous and Inaccurate Information on my Credit Report, which led to the posting of false information. The Fair Credit Reporting Act state that your failure to provide a Valid and Verifiable Proof obligates you to immediately REMOVE the UNVERIFIED and FRAUDULENT accounts listed. It has been longer than the 30 days since I sent my previous request for correction but you have clearly failed to take any actions.
Consumer complaint received 2016-02-20
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: JPMORGAN CHASE & CO. (IN)

PLEASE SEE CASE NUMBER XXXX THIS IS AN ADDITION TO CASE NUMBER XXXX. On XXXX XXXX I was telephoned by whom i have knowledge to belive is chase bank ( telephone # XXXX ) at XXXX, XXXX, and XXXX. -see attached screenshots- All the calls were rejected on my behalf. Phone calls at this hour are absolutely unacceptable and a new EXTREME in repulsive business practices. Again please see case number XXXX for original complaint, this is an addition.
Consumer complaint received 2016-01-06
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: Ad Astra Recovery Services Inc (TX)

This activity was due to identity theft. I have sent over XXXX letters to the collection agency via my attorney demanding verification of debt ( loan documents, copy of check used for the loan, etc. ) and they have yet to send me anything. My complaint is that they have re-aged the debt several times over the past two years which adds time to it 's removal from my credit report. It 's my belief that they are doing this illegally.
Consumer complaint received 2016-09-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Transunion took off a " good '' tradeline, when they were NOT suppose to. I previously disputed an account with XXXX XXXX ( a rent payment creditor ), because they had not reported the months correctly ; however, Transunion took it upon themselves to remove it entirely ; instead of verifying and correcting the dates. Transunion is now REFUSING to put XXXX XXXX ( creditor ) back onto my account. XXXX XXXX ( the creditors ) were told by Transunion, that the ONLY way to put it back onto my account ; is that I would have to send in a copy of my lease agreement, drivers license and a letter stating that I would like XXXX XXXX ( the creditor ) " inserted '' back onto my credit. I did " exactly '' what I was requested to do, yet Transunion sent XXXX XXXX ( creditor ) the following statement ... .... '' We are in receipt of your reinsertion request for consumer, XXXX regarding account ending in XXXX. Please be advised that said account was deleted from the consumer 's credit file on XXXX/XXXX/2016 in response to a consumer-initiated dispute, and is not eligible for reinsertion. " XXXXAfter XXXX XXXX ( creditor ) informed me of Transunion response , I called and spoke to XXXX representatives and one supervisor, who stated his name as XXXX XXXX ( at XXXX on XXXX/XXXX/2016 ), he was really forceful in not listening or even trying to resolve the issue. I do not know what else to do in order to get this resolved, if the SUPERVISOR himself will not help me. The creditor have attempted several times to get my information back onto my credit report, but Transunion is being resistant.This is their ERROR for taking my creditor off my credit report, INSTEAD of simply verifying the correct dates. Transunion keep trying to tell me that XXXX XXXX ( the creditor ) are the ones who told them to take it off, which makes no sense, being that " they '' were the ones who first reported it on my credit for me ( this is a perk they offer to use their company ) .Also, I have extensive emails, showing where the creditor is trying their best to remedy the situation.
Consumer complaint received 2021-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MS)

I spoke with XXXX XXXX Experian, XXXX, XXXX, between XX/XX/2021, until today regarding misinformation and claim of debt. I was not notified of the collection by XXXX. and XXXX. I do not have documentation from any courts regarding a rental debt. Experian, XXXX, XXXX refused to provide validation of the debt and certifying information regarding this debt. They refused to conduct a proper XXXX compliance investigation. Failed to provide judgment information regarding alleged rental debt and result in damages for obtaining credit. They also refused to provide all documentation utilized regarding this collection that is a statement as " Validated according to FCRA. '' They also continue to renew the date of delinquency. I also was not provided any information regarding rental history with stated unit regarding alledged debt and delinquency from the time frame it was listed or before it was listed. The total debt alleged is {$2800.00}.
Consumer complaint received 2016-07-01
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

It has been 30 days, this highly disorganized CRA needs to finish the investigation and send me a complete updated credit report. It is amazing that BOTH XXXX and XXXX have investigated, removed the subject items and already mailed a report.