davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-23
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I filed complaints on TransUnion , LLC, to the Bureau of Consumer Financial Protection, because of the way TransUnion , LLC was handling my files and disputes. Ever since I have notified the Bureau of Consumer Financial Protection, they have placed my credit file in a specialty unit and have blocked my file from all of the other departments within TransUnion , LLC. However, this specialy unit as the representatives refer to it, states they will need to handle my request or concerns when I call, and they always transfers me to this specialty unit. However, I never reach a live person. A lady named XXXX called me back while I was on the phone with someone, and left me a message. However, she never left her last name, therefore, when I went to return the phone call she was not accessible, because you need the persons last name to access their extention. The lady named XXXX, left me a message stating that she is unable to remove my inquiries, which was one of the concerns I had regarding my credit file with TransUnion , LLC. I have disputed all inquires listed on my TransUnion , LLC credit file with each party/company listed, and I even sent a certified letter to TransUnion. However, they have never taken action to resolve this dispute. However, each company said they would remove the inquiry with all three credit bureaus, because they were unable to provide me valid proof baring my signature that I authorized the entry. However, TransUnion , LLC has still refused to remove the inquires with the permission of all the companies. All of the invalid inquires have been removed by the other two credit bureaus except, TransUnion , LLC. 

TransUnion , LLC has also refused to allow me to dispute any other entries on my credit file, because they have blocked my account from viewing by other TransUnion , LLC employees, therefore, I am unable to have access to my credit file to dispute any inaccurate information. I can not reach the TransUnion , LLC specialty department, because each representative that I do speak to states that there is only an extension number that they can send my call to, and then when you get transferred you end up getting a voice machine, where you have to leave a message, and hope that someone calls you back.
Consumer complaint received 2015-06-30
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am a victim of fraud as of XX/XX/XXXX. Needed to contact Transunion to 'freeze ' my credit and went to their website where they asked for my social security number. The page had https canceled out so the site was n't secure. Went back today and the url had https until I refreshed a few times and then it went back to http. Looks like they have a server that is insecure which is jokable since this is a site to report fraud. Once you are on the insecure server you can not get back onto a secure one. 

example : XXXX.
Consumer complaint received 2016-11-16
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have tried several times, to have information pertaining to state Tax Liens removed as the credit bureaus are reporting the information incorrectly. On several occassions, the response from Transunion, XXXX and XXXX is that the accounts were verified and are correct. This is untrue as I have letters from the State of Maryland stating that the debts are satisfied and has been for over one year now. Understanding that the credit bureaus pays third party sources to scout public information, I feel and according to FCRA rules, it is the Bureaus responsibility to ensure that accurate information is furnished on my credit reports. The Bureaus have failed to meet this obligation, even after several requests to investigate and remove these public records. Someone has to hold these bureaus responsible. It 's extremely easy for any creditor to add information to a consumer 's report, but is the hardest of tasks to have the information removed or even properly updated, which is truly unfair to consumers like myself, whom are trying to start over and build my credit.
Consumer complaint received 2015-10-09
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

DISPUTED XXXX XXXX BANK SINCE XXXX. WITH THE ASSISTANCE FROM THE CFPB I HAVE GOTTEN IT DELETED FROM XXXX, HOWEVER THEY REMAIN ON XXXX AND TRANSUNION. I WILL NEED THE FRAUDULENT INQUIRIES REMOVE FROM ALL XXXX BUREAUS
Consumer complaint received 2024-11-02
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc. (MD)

This debt collector company which is both legally bonded to collect from me in my state has been harassing and threatening to extort money from me trying to ruin my life with reporting illegal information to the credit bureaus. XXXX XXXX appeared on credit report using two different names stating I owe them {$480.00} once this collection company appeared on my credit profile it damaged my credit score by almost XXXX points.
Consumer complaint received 2024-08-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2023-04-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIZENS FINANCIAL GROUP, INC. (FL)

My Citizens Credit card ending XXXX was used fraudulently from XX/XX/XXXX- XX/XX/XXXX. I reported the transactions over the phone. Then, one week later I got a mail saying that my fraud claim was resolved. The letter contained only one transaction. I called again to check the status of the rest of the transactions, I was told that the initial agent who submitted the claim selected all the transactions but forgot to submit the rest and she only submitted one of the transactions and that was resolved. Then, the second agent told me that he would open a new claim and submit the rest of the charges on XX/XX/XXXX. Then, on XX/XX/XXXX, I got another claim saying that " We completed our investigation of the following claims : and based upon our investigation we have concluded no error occurred. '' I called the fraud department again after getting that mail, and they told me that they only report fraud, but the claims department makes the investigation and decision. They tell me that that department doesn't have a phone number and they would send an email. Also, agent XXXX told me that the second agent also made a mistake and he chose my card as it was in my possession. I guess that's why my claim was denied the second time. 

Then, on XX/XX/XXXX agent named XXXX from Claims Department called me and he acknowledged the both agents made mistakes and he told me that he would refund me the charges. Next day all the charges were refunded to me. However the other next day all the credits were reversed. 

After that, I have been sending call back requests from the fraud department, but no one calls me back. 

All the charges are still on my account and all the credits are reversed and I am rebilled. I am trying to reach XXXX from claims department,

but he doesnt call me back. There is no one to talk to about this and no way to reach the claims department. We have sent several emails but nothing back from them. I did not make these transactions. Please credit me back the transactions.
Consumer complaint received 2020-06-09
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on XX/XX/2020 and never heard anything back. So I sent a 30 day comply on XXXX and I've yet to get any feedback on my investigation.
Consumer complaint received 2015-06-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I 've repeatedly told XXXX, XXXX XXXX, XXXX, and now XXXX, that the delinquent student loan document # XXXX is not mine. I did not fill out the loan documents nor did I sign them. This student loan is for XXXX XXXX. I did not attend XXXX. I 've reported to all XXXX credit bureaus that this is not a valid loan and shown proof of signature verified by an XXXX Notary here in XXXX county. Someone created this loan in my name and NYHESC will not wish to recognize my argument. I 've repeatedly have been denied credit for home refinancing and purchase because of these false derogatories. IT ISNT RIGHT THAT I SHOULD SUFFER BECAUSE OF XXXX 'S CARELESSNESS IN LOAN PROCESSING! Frustrated, I have on retainer XXXX XXXX Attorney of Law Bar number XXXX. Feel free to contact me at XXXX
Consumer complaint received 2016-08-26
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I received a credit report from TransUnion, in an envelope that was completely open with no evidence of initial sealing ( no adhesive or torn areas on opposite side of envelope ). It appears that the envelope flap was sheared off prior to mailing. I notified TransUnion and was provided with a new credit report copy and a fraud alert was placed on my account. I asked about future risks following this incident, and was told that they could not comment. I was told that I could purchase credit monitoring services thru them.
Consumer complaint received 2016-05-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I contacted Trans Union on XXXX XXXX, 2016 and disputed duplicate entries and wrong balances with a company called " XXXX XXXX '' aka XXXX. They have affected my credit score tremendously because this company changed names and made it as though my husband and I now have XXXX separate accounts totally more than {$45000.00}. We only borrowed {$20000.00} on this predatory loan from XXXX XXXX and this company has changed names 3 times and all of this is showing outstanding on our credit reports after multiple disputes and as CFPB lawsuit company is still using credit reporting to hurt consumers.
Consumer complaint received 2015-04-21
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I sent an email to the Annual Credit Report website regarding my attempt to receive my wife 's credit report from TRANSUNION after getting my report. This is the email I sent to them : My wife does n't seem to be on my credit reportfrom Transunion. I tried to get XXXX in her name but it does n't allow it. WHY?? 
She might have credit issues not listed on my report that we would like to beaware of. 
The thing is I have been unemployed since 1992 due to XXXX caused by work injuries and my wife has been the bread earner since then. So why the heck ca n't we receive a credit report in her name? The whole thing is a pile of stupid running the show.
Consumer complaint received 2017-01-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have been disputing these items on my credit and have n't received a response. these debts are not placed on my report that should not be there anymore. They have been closed XXXX XXXX Bank XXXX XXXX XXXX XXXX Bank
Consumer complaint received 2016-05-13
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: Experian Information Solutions Inc. (FL)

EXPERIAN - I am very meticulous on watching my credit accounts and credit score, I seen online {$1.00} for a free trial with EXPERIAN for seven days. I paid the amount through my credit card and entered the site and viewed my credit accounts and credit reports with EXPERIAN and all was good! I noticed for a ONE TIME fee of {$39.00} I can have access to XXXX and XXXX my accounts and credit scores. This seemed like a pretty good deal figuring to have complete access to all XXXX Credit Reporting Agencies so I viewed all three agencies and all was good! The next day I accessed the EXPERIAN site again and again attempted to access XXXX and the window popped up stating for {$39.00} I can view all three agencies? Figuring this was a mistake I called EXPERIAN only to find out that that ONE TIME {$39.00} fee is only good for ONE DAY! Nowhere on the window for the charge does it state that the {$39.00} fee is for ONE DAY it just simply says for a ONE TIME fee! This is misleading to consumers and EXPERIAN needs to state that the ONE TIME fee is also only good for ONE DAY! This is an important consumer issue that needs to be addressed immediately to protect consumers and to ensure EXPERIAN is up front and transparent to its subscribers! 
Another point of extreme concern that I have found out is the credit scores that EXPERIAN provides to consumers from XXXX and XXXX are erroneous credit scores! I obtained my credit score through EXPERIAN for XXXX and it seemed to be on the high side? I called XXXX and they said the score I obtained through EXPERIAN was about XXXX points higher than what XXXX had on file for me on that same day and they looked back through a month and my score was never as high as what EXPERIAN provided to me? I called EXPERIAN and explained to them the discrepancy from the XXXX credit score they provided to me and she told me that EXPERIAN uses a different scoring model than XXXX uses? So this is the issue, how can EXPERIAN charge additional money for a credit score from XXXX and XXXX and provide it to the consumer and these credit scores are erroneous and do not even come close to the actual scores on file with XXXX and XXXX! And in this case there is nothing on the EXPERIAN website advising the consumer that the scores from XXXX and XXXX may differ from actual scores because of EXPERIAN using a different scoring model! Again this is a big issue for consumers and needs to be resolved with EXPERIAN!
Consumer complaint received 2016-03-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (AZ)

ON XXXX/XXXX/2016 I RECEVIED A CALL FROM THE LADY WHOM I WAS WORKING WITH TO OBTAIN A LOAN FOR A HOUSE. SHE STATED THAT THERE WAS A JUDGMENT FROM XXXX XXXX BANK IN THE AMOUNT OF {$6900.00}. THIS WAS SHOWING ON MY EXPERIAN CREDIT REPORT ONLY. I DID FURTHER INVESTIAGTION AND THERE WAS A JUGMENT FROM XXXX XXXX BANK FILLED XXXX. UNDER XXXX XXXX AND XXXX XXXX. 
ON XXXX16-I FILLED A POLICE REPORT # XXXX AND A DISPUTE WITH EXPERIAN GAVE THEM XXXX COPIES OF ALL THE DOCUMENTION REQUESTED FOR THIS MATTER. I HAVE CALLED EXPERIAN MULTIPLE TIMES TO SEE IF THE DISPUTE HAS GOTTEN ANYWHERE AND ALL I HAVE GOTTEN IS THE RUN AROUND. I WAS GIVEN A NUMBER FOR A SUPERVISOR LAST CALL I MADE WAS XXXX/XXXX/16 TO A XXXX ( SUPERVISOR ) @ XXXX NO ANSWER BUT I DID LEAVE XXXX MESSAGES. I HAVE MAILED IN PAPERWORK TWICE THRU PRIORITY MAIL TO HELP! THIS ISSUE HAS IMPACTED MY ABILITY TO OBTAIN A HOME LOAN FOR MY FAMILY!
Consumer complaint received 2015-08-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (TX)

I 've worked hard for decades to maintain an outstanding credit rating that 's ranged right around XXXX. I take my credit report extremely seriously and always consider the impact on my score when making decisions that may have an adverse impact to my credit score, and ultimately my financial well-being. 

In XXXX of 2015 I obtained new employment which involved selling my home and moving my family. This move incurred over $ XXXX in moving expenses, all of which were reimbursed by my new employer once we were able to provide receipts evidencing the expenses incurred. In other words, the funds for my travel and relocation expenses initially came out of my savings and then were reimbursed by my new employer after the move. 

Given the safety, security and support that XXXX XXXX offers, my wife and I used our XXXX card to fund the upfront travel and relocation costs. Unfortunately, we did not realize what a detrimental impact that doing so would have on my credit scores. My score which was XXXX immediately dropped to XXXX ( XXXX point drop and below the XXXX A-Rating threshold for obtaining the best mortgage rates ). The drastic drop, I 'm told, is due to the fact that XXXX does not report a credit limit but rather reports the lifetime max that has been borrowed as the limit. In this particular case, $ XXXX was my lifetime max and thus it appears I 've maxed out my card. For this reason, my credit score has plummeted and now effectively puts me in a position where I face paying XXXX of dollars more per year on a mortgage because I no longer qualify for the best mortgage rates.
Consumer complaint received 2015-07-30
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: DISCOVER BANK (NJ)

I have changed my legal name, was trying to change it on Discover Credit Card. Customer Service person provided fax number to fax and mentioned it will take 5 -7 business days. I have faxed and did n't get the card after 2 weeks, so called customer service they mentioned no fax received and asked to send fax again. I again faxed and called customer service and they mentioned they are in no way confirm if they received the fax. asked for supervisor and supervisor called my after 24 hours and mentioned the same they ca n't confirm if they received the fax. So wondering if information provided over fax are secure and if my information is mishandled. its been 4 weeks so far no response.
Consumer complaint received 2015-11-24
Product: Credit card — 
Issue: Other — 
Company: DISCOVER BANK (MN)

We accidentally overpaid our Discover bill by approximately {$15000.00}. We called more than a week ago and we were assured that a check would be sent to us in a day. After not receiving the check after about a week, we called and spoke with a customer service representation who assured us that the check had been mailed " that day ''. We doubted the veracity of this claim and asked to speak with a supervisor who said the check had not been mailed ( admitted that they had lied to us on two occasions ), and the could n't tell us when we could expect a refund.
Consumer complaint received 2024-08-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

To whom it may concern : According to the Fair Credit Reporting Act ( FCRA ), you are required to promptly delete all information that is inaccurate, incomplete, or unverified. I am now enacting my consumer and civil rights to compel you to annul with permanent deletion these derogatory accounts or provide testimony and certification that you are adhering to mandated metro 2 data formatted reporting standards according to regulations. The following derogatory account allegations are either untrue, unverified, incorrect, incomplete, untimely, not mine, not my responsibility, or otherwise not proven in compliance with regulatory federal reporting laws and or standards and must be removed immediately. 
Below is a summary of the data in which I am challenging : Personal Information for Experian NAME : XXXX XXXX XXXX XXXX XXXX Please make sure your company 's records are up-to date and accurate. I only have one name, XXXX XXXX XXXX XXXX. 
If you have any other name listed for me, please delete it immediately. 
CURRENT ADDRESS : XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXXXXXX XX/XX/year> XXXX My only address is XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Please make sure you remove any address in your system which does not match the address listed on this letter. 
Appreciatively As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated XXXX XXXX XXXX XXXX Please send your written response to my address of XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. 
I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits.My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception.I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters from a consumer.If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action
Consumer complaint received 2024-08-10
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: Experian Information Solutions Inc. (FL)

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX XXXX XXXX XXXX - XXXX following inquiry was not authorized and should not be reporting. 
XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX  - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX XX/XX/XXXX - XXXX following inquiry was not authorized and should not be reporting. 
XXXX - XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX- The following inquiry was not authorized and should not be reporting.
Consumer complaint received 2017-03-15
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (MD)

I keep getting calls that I have recently applied for a payday loan online which I have not. I also received a emails from " Ace Cash '' saying I owe them {$870.00} - {$880.00}. I have NEVER had a payroll advance with this company and have NEVER applied for any payroll advances online.