davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

After reviewing my credit reports I notices several medical accounts and an auto account that did not belong to me and was a result of identity theft. In XX/XX/2018 I sent the 3 credit bureaus a letter, a copy of my identity theft affidavit and supporting documentation. However, they continue to violate FCRA section 605 and did not remove the items. The following accounts are still be reported on my account by Transunion and XXXX and are a result of identity theft. 

the fraudulent accounts being reported on Transunion are : XXXX XXXX XXXX Acct. # XXXX, XXXX XXXX Acct. # XXXX, The fraudulent accounts being reported on XXXX are : 5 XXXX XXXX XXXX account # XXXX with a balance of {$26.00}, XXXX XXXX XXXX acct. # XXXX with a balance of {$56.00}, XXXX XXXX XXXX acct. # XXXX with a balance of {$40.00}, XXXX XXXX XXXX acct. # XXXX with a balance of {$100.00}, XXXX XXXX XXXX Acct. # XXXX with a balance of {$100.00}, XXXX XXXX XXXX acct. # XXXX with a balance of {$150.00}, XXXX XXXX Acct. # XXXX.
Consumer complaint received 2018-04-02
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Lost or stolen check — 
Company: WELLS FARGO & COMPANY (DC)

In XX/XX/2016 I purchased a computer via XXXX. The computer arrived broken and I returned it for a full refund. Between the time I returned the computer and the time the refund was issued I cancelled my account with Wells Fargo. I reached out to XXXX  to change the destination of my refund, but was told that the refund had already been processed with Wells Fargo. I received an Email detailing the refund on the XX/XX/XXXX, but when I reached out to Wells Fargo they repeatedly denied having received the refund. Throughout my repeated attempts to resolve the issue each company suggested that the other was at fault. I eventually lost access to my Wells Fargo account due to my cancellation of my account ( which I cancelled due to repeated undisclosed charges to my account ) so I was unable to see any further messages from Wells Fargo, who eventually marked my complaints as solved and stopped responding to my inquiries about the situation.
Consumer complaint received 2018-04-02
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

the bank is asking for one month mortgage payment for the right to renew my loan which is not expired. this is in addition to my regular monthly payment when I originally contacted them I asked for the new rate and a reason for the additional monthly payment, they sent it to me after the date that was required to get the new rate, they are saying that they can change my original interest only loan to a principle and interest loan but if I pay an extra month mortgage payment then I can stay at an interest only loan. however this is not anywhere in my mortgage contract. I feel this is a violation of the truth in lending act. the banks position on this is they can charge it even if it was not part of my contract. I disagree you cant change a contract just because you feel you can I feel I am being discriminated against and that the bank has violated the truth in lending act. when I spoke to an alleged person who works for the president his position was take it or leave it.I believe we have had enough bullying by banks and that we can do anything we want to you attitude. 
nowhere in my contract does it say that I would have to pay an extra month payment for the right to maintain what I have .I am not objecting to the rate increase, just the extra payment, and now it is past the time when I am eligible for maintaining. 
If your agency does not have jurisdiction over the truth in lending act please let me know who does
Consumer complaint received 2018-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

I have had Bank of America Privacy Assist product since about 2010. Paying {$12.00} a month for viewing my credit score, and being assured that if my identity was stolen then they would spend up to {$25000.00} to help restore my credit identity. Also their credit insurance product says that they would pay up to {$2000.00}. lost wages per month, and some other coverages such as {$2000.00}. a month elder care. Having read about the suit against them for this and similar products I wish to be included in that suit. When I opened that account with them, there is no record of when I bought it, and so I would have to research my old BA statements to verify the time frame. I found on that site where I could cancel it, but there is no way to email them directly from either of their sites, and a phone call to their customer service agents wouldn't help me either, since they just send one though endless menus, and transfers to ever reach someone capable of making this right. I don't have time for the hour or more that would take! I don't want to cancel until I know I can be compensated correctly! XXXX XXXX, XXXX XXXX
Consumer complaint received 2018-04-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I called to get a duplicate card for my wife. The previous card request was never received. I was told that it was sent. However, I never received it. For security purposes, they closed the old card and issued a new card to both in my name and my wife 's name. I was told that I would receive the new card within a week. I did not even receive the credit card, I got a call from Bank of America, telling me that purchases are being made on it. The purchase was made on XX/XX/18, the same day the card was issued for {$2900.00}. My question was how can a purchase be made on a card that was never mailed out? Now, when I filed a complaint and a request a new credit card, I was told that after reviewing my request they could not issue me a new credit card. I feel that I am being victimized multiple times. First they stole my identity to make a purchase and I lost my credit card privileges. In addition, I tried to get a loan, I am also turned down by Bank of America, all of this as a result of one act that was out of my control.
Consumer complaint received 2018-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: LEXISNEXIS (IN)

What is the count now my heros? I have now a same from XX/XX/XXXX you closed out as redundant. NOT TRUE! The same for XX/XX/XXXX- XX/XX/XXXX and thisXX/XX/XXXX. Will you close this out as redundant too? I ask who are you working to protect. Them or I? As of now, I am feeling ignored and put in my place. My Dead Father 's information is still on all. Incorrect wage reporting belonging to him, still there. Legal Deed and Transfer illegally reported as it does not have factual information. It contains a LIE! I see a cover up. Are you willing to be complicit in this? To lexisnexis I am a JOKE. I don't think you have a better regard for me at this point. RSVP
Consumer complaint received 2018-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Have been trying to get accounts that were opened in my name without my knowledge or permission for over 2 years and XXXX and Equifax refuse to remove/ investigate the accounts ... ..attached you will find police report and id theft affavaidt that was submitted involving accounts. XXXX and Equifax keep sending letters advising that they will not re-investigate these account which isn't right ... FTC Report # : XXXX the account that need to be removed are XXXX XXXX, XXXX, XXXXXXXX XXXX, XXXX XXXX and XXXX
Consumer complaint received 2018-06-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: HEARTLAND PAYMENT SYSTEMS INC (FL)

I was charged a {$6.00} " late fee '' for the month of XX/XX/XXXX, even though I paid my bill for the month of XX/XX/XXXX. When I called, the 1st agent told me the system was down so, XXXX couldn't see my account. So I hung up and called back immediately, I spoke to XXXX who then lied and said that I didnt pay in XX/XX/XXXXdo that is why in XX/XX/XXXX i'm being charged a 'late fee '' however I have records proving that I paid the XXXX bill right after the billing statement was sent. XXXX then hands the phone over to XXXX who then say that XXXX " misspoke '' and that the " late fee '' was because the XX/XX/XXXX payment was late. I further explained to him that ALL of my loan payments have been late and they have NEVER added a late fee because I always paid by the XX/XX/XXXX of the month. XXXX then tells me that it is company policy that after 10 days a late fee is added. I asked him where on the billing statement does it say that policy and where on the website does it say that policy? He says its on the website and " is basic knowledge '', I then ask him to tell me exactly where it says that " basic knowledge ''. After further review he comes back says it's not on the website and it is not on the billing statement but then says that on the billing statement that a late fee MAY be applied. However i explained to him if that was the case then there should've been a late fee every month because I've never paid the bill on time. His only explanation is that it was late so they added a " late fee '' even though it has always been paid late and never been given a late fee until now. this company has unwritten policies unbeknownst to the people they are billing and they are making up rules when they feel like to people they want to XXXX over. Also they generate their bill statements inconsistently. the bill statement for XX/XX/XXXX came 1 week before the bill was due and the bill statement XX/XX/XXXX came 3 weeks before the due date. Also the billing statement says it was generated on XX/XX/XXXX yet it says its 15 days past due. a bill CAN NOT be 15 days past due if you generated it on XX/XX/XXXX. They are liars and scammers.
Consumer complaint received 2018-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I would like to request a security freeze be on my Consumer Disclosure report. I choice to opt out of your disclosing future information until further notice including the C.L.U.E . report and other furnished XXXX XXXX   regrading all personal information of mine.

This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act youre required to comply.

My information is clearly shown below :
Consumer complaint received 2018-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

tried multiple times, credit repair companies. Will not fix. XXXX XXXX does not report amounts properly, mortgage goes up at certain points in reported. Reported mortgage late 2x 's in the past, they lost money in my escrow years ago by paying something they shouldn't have, and told me I have to call insurance company and following through for extra payment. It was there error. Then after trying to fix, now they report no data but wont fix. How can I prove proof of payment if they didn't process timely. Did payments online and over phone every time but if they didn't process correctly how can I prove I made the payment until they cashed or processes it. My mortgage is not in Foreclosure but treating me like someone who is. If all my payments do not go past 30 days for almost 10 years but 2 odd errors are there obviously Im not behind on mortgage. Most people default and it stays default. XXXX XXXX has such a policy of honestly lately. When questioning about my contract, and the terms, they told me I would have to send them a copy pointing out my insurance was prepaid when they have it. Just as much as the Fair Credit Reporting act is ... .. If they cant prove it, how can they report it and hurt peoples credit. There is no protection for the consumer. Your guilty to prove innocence. I have had the same problem with a few banks lately due to employee errors
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

Inquiries that wasn't authorized 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2018-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CarMax, Inc. (MI)

Some recent identity theft has caused me to look deeper into my credit report. I have attached a screen shot of fraud alerts on all 3 credit bureaus. During this process I have noticed several inquires I do not recognized and are UNAUTHORIZED. One of them being by Carmax marked XX/XX/XXXX on my XXXX. I tried to contact Carmax directly through certified mail onXX/XX/XXXX. The letter was mailed to the mailing address listed on my credit report. I have attached the certified receipt. It was delivered to CarmaxXX/XX/XXXX via certified mail. It has been well over a month and I have not received a response from them. Thus I am assuming they have no such documentation to pull my credit. I do not recall giving anyone at your company permission to pull my credit. I did apply for credit with your company. Please respond and include a copy of the application with my signature giving you permission to pull my credit, as per the FCRA. The application must state that I agree to give your company permission to pull my credit report. If you do not have an application with my name and signature on file, you are required by law to immediately contact the credit bureaus and remove the hard inquiry from my credit file. If you argue that the approval was given over the phone, then I expect a print out of the full details of the conversation be sent to me, as well. If you argue permission was given through an other company I expect you to provide documentation of that too. I have attached a FTC advisory opinion as to what is considered permissible purpose and what is considered " written instructions '' that are required by the FCRA. I request you provide documentation to meet this criteria. https : //www.ftc.goXXXX Thank you for help in this matter.
Consumer complaint received 2018-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (OH)

I would like to request a security freeze be on my Consumer Disclosure report. I choice to opt out of your disclosing future information until further notice including the C.L.U.E . report and other furnished Lexis Nexis regrading all personal information of mine.

This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act youre required to comply.

My information is clearly shown below :
Consumer complaint received 2018-04-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I began disputing these items with Trans Union, XXXX and XXXX beginning on XX/XX/XXXX. I sent follow up letters onXX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I believe the public records reporting on my credit report are not reporting accurately nor or they in compliance with the FCRA and FDCPA.
Consumer complaint received 2018-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc. (TX)

My auto loan is with GM Financial. In XXXX, i applied to get a new car. I was told that my account with GM was showing past due. I had often waited until after the time due date to pay, but never past 30 days. So, i did have late fees on my account. I paid them that month and made my payment on the due date. In XXXX, i reapplied and they again told me it was past due. 

I looked at my credit report, and sure enough, my balance was showing {$4000.00} higher than what it actually was. They showed my XX/XX/XXXX payment as 30 days late, then hasnt reported anything since. 

I contacted them and they said thousands of people had been affected by some time of software glitch, where they had reported past due payments in XXXX. So, they shut the system down and hasnt reported anything since. In XX/XX/XXXX when i called, they said they had pulled the system back up and it should be updating correctly. 

I just looked again and 3 weeks later, still the same thing. I XXXX this problem and saw hundreds of consumers having the exact same issue. This is preventing people from getting new vehicles, getting homes, affecting interest rates. And GM doesnt seem in a hurry to address the issue. I read back to XX/XX/XXXX where theyd been told the same thing I was told in XXXX ... the system would be back to reporting correctly. And still nothing.
Consumer complaint received 2018-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (HI)

After looking through my credit report, I had sent over information in regards to getting my credit report fixed as there were a number of inaccuracies. 

I have a very common name and when I asked for verification of the debts from the bureaus none gave me the information ive requested. I specifically asked for the names of the people that verified these debts with and they have never given me that information or responded. This has almost irreparably harmed my ability to apply or receive any loans and veteran benefits like a VA Home loan that will allow me to provide a roof over my families head. 

These companies have had all types of security issues among other issues and this continously affects others that rely on these services I just want some resolultion and I need to get these issues solved.
Consumer complaint received 2018-04-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (CO)

I contacted One Main in XX/XX/2018. I have asked them to provide me with specific information regarding the said account. They failed to provide me with the requested information, but instead provided me with my name, the last 4 of my social, and the amount supposedly owed. I have previously informed them that my ex husband XXXX XXXX is responsible for the debt as stated in our divorce documents. The debt was incurred through identity theft and deception. I also has insurance and liability on this loan in the case that anything should happen. 

I have contacted them and asked them to remove the erroneous information from my account, but they refuse to do so. My next step is sending them a letter stating my intent to sue.
Consumer complaint received 2018-04-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (FL)

Received letter from Midland Credit Management on XX/XX/2018 with payoff options on {$1200.00}. I don't owe anyone any money. I called the number provided. XXXX and told them that. They asked for the account number and then to verify my name and address, I noted that the name was spelled incorrectly. Then they asked for the last 4 of my SSN and I refused. They said they would take my address off their list but somehow I don't believe it. Seems awfully fishy!
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX account number XXXX XXXX XXXX XXXX credit reporting on the credit reporting bureas , Transunion XXXX XXXX and XXXX are showing a late payment for XX/XX/2023 and this is incorrect. This account has had no late payments. The payment was posted late in error by company XXXX. I spoke with XXXX  representative and representative agreed payment was not late. I was told my credit report will be updated to pay as agreed with no late payments to all three credit bureaus.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.