davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-09
Product: Credit reporting, credit repair services, 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. (FL)

The following are Unauthorized HARD Inquiries on my Credit Report. Please I am asking for assistance to remove them. I am trying to buy my first home and these are a problem for me. Please help me. They are all on my Transunion XXXX and XXXX reports I would NOT have given the Authorization to run my Credit in multiple sequence as such such as I know very well the Negative impact that it can have on me. I really need your help with this. I have called multiple times and all I do is get a Voice Tree that never takes me to a Live Human whom I can Speak with, I get cut off as they are asking for information that I do not have and would not have had as I do n't have an account with them, the few times I do get a Live person they do n't know who to transfer me to. Please Help me Thank You. 

Name of Company - XXXX XXXX XXXX Inquiry Added XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Phone : ( XXXX ) XXXX Name of Company - XXXX XXXX XXXX Inquiry Added XXXX/XXXX/XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX TX XXXX Phone : ( XXXX ) XXXX Name of CompanyXXXX Inquiry Added XXXX/XXXX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Name of Company- XXXX-Date Inquiry Date XXXX XXXX XXXXXXXX, TX XXXX ( XXXX ) XXXX Name of Company-XXXX XXXXInquiry XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX Name of Company XXXX XXXX XXXXXXXX I -Date AddedXXXX XXXX XXXXXXXX I XXXX, MN XXXX ( XXXX ) XXXX Name of Company - XXXX XXXX XXXX Date Added- XXXX/XXXX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, FL XXXX ( XXXX ) XXXX Name of Company - XXXX XXXX Inquiry DateXXXX XXXX XXXX  XXXX, IN XXXX ( XXXX ) XXXX Name of Company - XXXX XXXX XXXX Inquiry Date- XXXX/XXXX/XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX ( XXXX ) XXXX Name of Company XXXX Inquiry Date XXXX/XXXX/XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX Name of Company - XXXX XXXX XXXX- Inquiry Added XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX TX XXXX Phone : ( XXXX ) XXXX Name of CompanyXXXX Inquiry Added XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Name of Company - XXXX XXXX XXXX Inquiry Added XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Phone : ( XXXX ) XXXX XXXX XXXX Date of Inquiry XXXX XXXX -Inquiry Added Date XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquires XXXX/XXXX/XXXX & XXXX/XXXX/XXXX XXXX XXXX XXXX Date of Inquiry XXXX/XXXX/XXXX XXXX XXXX Date of Inquiry XXXX/XXXX/XXXX
Consumer complaint received 2017-09-09
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CT)

I called Equifax to see if my personal information, including my social security number, was at risk of being stolen by a recent breach and received a randomly generated answer instead of the truth.
Consumer complaint received 2019-05-31
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: HABITAT FOR HUMANITY INTERNATIONAL, INC. (TX)

Habitat for Humanity XXXX  XXXX County has listed my account balance the same since XX/XX/2019. I submitted information and documentation to XXXX to resolve submitted dispute for incorrect payment history, continues to report back verified and accurate. 
Habitat for Humanity XXXX XXXX County, I am requesting statement balance as of close of business date XX/XX/2019 to include my payoff balance. I also am requesting the estimated date that my payment made XX/XX/2019 will be submitted and processed. I also would like a written response as to why I I have to contact the CFPB in order to get responses to written request sent certified mail with no answer.
Consumer complaint received 2017-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IN)

I made a payment on XXXX of {$320.00}. There was already a post dated payment for XXXX that was scheduled on XXXX XXXX via the phone. My total credit that the account holds is only {$500.00}. After making the payment of {$320.00} the other payment processed the next day and later was returned. Then my credit card account went into revoke status on XXXX and closed status. I received a letter stating my account status. I immediately called to fix the problem and the representative told me that it will be taking care of and removed from that status. I then assumed it was done by the time I had made my next payment. I made another payment of {$100.00} on XXXX. I then spoke with the credit card company again on XXXX because I reviewed my statement for XXXX and it showed that I have no available credit, but I already had paid XXXX + {$100.00} and my account reflected an available credit via online. The representative told me on the call that my account is in revoke status, but note I already called between the dates of XXXX to address this situation after I received the letter and the representative told me it would be taken care of, whatever that meant. Now that my account is fixed, which it could have been done when I called between XXXX, the manager stated that my account already have been reported to the credit bureaus as it has been closed on XXXX. But due to the lack of training the representative I spoke with between XXXX my account is being reported in error because of that reason. On XXXX me and the manager fixed my account.
Consumer complaint received 2017-09-10
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. (FL)

As of XXXX XXXX 2017 my Equifax credit report has yet to change in fact it 's gotten worse since I have contacted Equifax over 20 times regarding fraudulent use of my information. Equifax is running a scam to make money from collectors and creditors storing inaccurate information and refusing to correct. Also Equifax has this little game they like to play and it 's called credit Bureau splitting. How is advised by several Equifax employees that credit bureau splitting is when an entire credit bureau actually is viewed by the consumer or the lender 50 % accurate and the other 50 % is nowhere to be found. My credit file happens to be in the office of Consumer Affairs. I was advised that because I have been a victim of a number of security breaches but above all identity theft on three unfortunate occasions that they were the ones in fact I have a specialist work exclusively on my credit to ensure that these items that are fraudulent are removed including inquiries Equifax has yet to remove the items it has been over 3 months. Why do credit bureaus especially Equifax getaway with XXXX? Why are they get to do and dictate lies on Consumers Credit? Whoever is overseeing the Office of Consumer Affairs and their fraud division needs to be fired. My attorney wants to proceed in the courtroom against Equifax because he has close to 35 people that have been affected by the poor dispute process Equifax maintains and now we have their wonderful security breach how convenient when two of their highest and Executives pull out of the Equifax stock market two days prior to the release of information of the breach that goes to show you the Integrity of Equifax.
Consumer complaint received 2019-05-31
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: WRJ Holdings, LLC (GA)

I got a loan from XXXX XXXX XXXX for {$5000.00} to aid me in opening a business. For the next 15 months I had beeen making payments of XXXX XXXX monthly. Three weeks ago the vehicle was totaled by another driver so I called to get the payoff amount and I was told it was {$6400.00}, I asked why the payoff balance was so high after making payments for 15 months and I was told that none of the payments or add it to the principal and they were only interest when I asked how they calculated the final payoff I was told it was 100 % of the principal +2 additional months of interest. I did not think this is fair because I have been diligent about making the monthly payments I was under the impression that a portion of the payments would be applied to the principal.
Consumer complaint received 2024-11-15
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

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.
Consumer complaint received 2019-06-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Upon checking my credit report I've noticed inaccurate information reporting on my file. This information has to be someone else 's that's close in name cause these following accounts definitely not mines, please block these accounts immediately. 

1 ) XXXX XXXX XXXX XXXX {$18000.00} 2 ) XXXX XXXX XXXX XXXX {$30000.00} 3 ) XXXX XXXX XXXX XXXX {$12000.00} 4 ) XXXX XXXX XXXX XXXX {$5300.00}
Consumer complaint received 2019-06-03
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

The last time I used this store card the balance due was {$1200.00} in XXXX, XXXX. 
By XX/XX/XXXX the total increased to {$5700.00}. I identified to the customer service agent that these were charges of identity theft and was laughed at. 
I obtained an attorney In XXXX, XXXX after numerous harassing phone calls were made to my cellphone daily as well as mailing letters requesting payment. On XX/XX/XXXX a letter was mailed to the company explaining that an attorney had been obtained and to stop all contact with me. 
Now I was informed that during the month of XXXX, XXXX my ex-wife was notified on her cellphone and letters were mailed to her new residence and she was never listed on the account.
Consumer complaint received 2019-05-31
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

Contacting me about a debt from 2001. Calling me repeatedly. Calls come in and ask me my social security number ( last 3 ) my address, My phone number. I have asked them to stop contacting me  repeatedly.
Consumer complaint received 2019-06-03
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: JPMORGAN CHASE & CO. (TN)

I am a victim of identity theft and I have submitted all the proper documentation that Chase has asked me for. I have submitted police reports, updated police reports, proof of payments made on my account, the suspect sentencing notice, basically everything to prove that all the charges that I reported are fraudulent on my account wasn't authorized by me. My identity was stolen!!! I have also submitted letters from my other credit card companies that has refunded and credited my account for the fraudulent charges. I am not stopping until I get this resolved. I will not be responsible for none of the charges! I have been making payments on the account to avoid negative remarks on my credit report. After calculating everything Chase owes me {$10000.00}.
Consumer complaint received 2019-06-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NY)

I have citi bank Credit card, It clearly states : To Avoid pay interest on purchase, you should pay balance by the due date, < However I paid full and they charge interest. Now they claim they can charge residual interest from previous month. This is misleading information. Either they need to change the wording or add line. It's not just me but so many customers have suffered. It should stop.
Consumer complaint received 2024-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Consumer complaint received 2019-05-31
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Wharthog Ventures LLC dba Loans Not Sharks (MO)

I sent a cease & desist/removal of contact information to the company on XX/XX/2019 due to the company contacting me at work and several of my co workers and my manager. I informed them I am not able to receive personal calls at work as this is grounds for disciplinary up to suspension or termination. On XX/XX/XXXX, XXXX from the same company contacted me on my work number. I asked for her information and stated that I would give her a call back. She refused to hang up. After repeating myself multiple times, I hung up on XXXX. She then called back and left a message stating " It seems we were disconnected ''.
Consumer complaint received 2019-05-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: DISCOVER BANK (CA)

I moved to a new home on XX/XX/XXXX to be closer to services for my XXXX child and during my move, my postal mail did not reach my new address in a timely manner. Consequently, Discover Card charged me {$27.00} late fee and {$5.00} in interest charges in fees on a {$270.00} balance. In the confusion of relocating with a XXXX XXXX child, I regretted not finding the time to notify Discover of my new address, so I paid the fees without complaint, but in addition to receiving an effective APR of 71 % for a two month late payment, Discover reported a late payment to the credit reporting agencies. 

Although the Discover Card website states that they will give " goodwill adjustments '' to customers who make a one-time mistake ( https : //www.discover.com/credit-cards/resources/how-to-raise-your-credit-score-fast/ ). As I've had no other derogatory remarks from Discover during my 21 years of being a customer, I requested a goodwill adjustment on XX/XX/XXXX, but was told that Discover no longer gives goodwill adjustments despite Discover 's own website recommending that longterm customers request one ( please see link above ). 

Due to this derogatory mark, I'm unable to refinance loans to free up funds to assist my XXXX child.
Consumer complaint received 2017-09-09
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc. (NJ)

This is regarding my XXXX XXXX XXXX card, which is managed by XXXX XXXX. On XX/XX/XXXX, I tried to make a purchase at XXXX using my card and the clerk told me that it was giving her a message " refer to card issuer '' The clerk told me that they normally get that if my card is expired. So, I checked to see at home if I had received a new card in the mail and did n't realize it -- I did n't receive a new card and furthermore these cards do n't have expiration dates. I made a call to the customer service on XX/XX/XXXX and spoke with a woman ( ca n't remember her name ). I advised her what the store clerk told me. She said that my account was suspended due to it being inactive for 11 months ( meaning that I did n't make any purchases ) I advised her that the last purchase I made was in XX/XX/XXXX, which she verified. So, I asked if the suspension could be lifted, because they obviously was  an error. She advised that the only way to do this is if I authorized them to pull my credit report? I did n't understand why this was necessary, but I reluctantly agreed because I do like using the card when I go to XXXX. She said I would receive a letter by mail within 7-10 business days. I never received a formal letter by mail -- what I did receive was a letter by email within 2 minutes after I ended the call with the customer care rep to my " secure message center '' inbox ( this I access from viewing my XXXX credit card account online ) The letter indicated that my request for reactivation is denied. After numerous calls to customer service with no resolutions ( could n't even get through to anyone ), I reached out to XXXX via XXXX. Two different individuals responded back to me advising that they would check into this issue and give me a call. It 's been at least a month or so now and nothing has been done.
Consumer complaint received 2019-05-30
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: EQUIFAX, INC. (LA)

There is a paid collection listed on my report from Equifax with XXXX XXXX as the original creditor for {$140.00}. I never sent the payment to the collection agency ( XXXX XXXX XXXX ), I paid XXXX XXXX. XXXX XXXX sent me a letter stating that the account was pulled back from the collection agency by them and that the collection agency can no longer report it. I sent proof of the payment and the letter to Equifax, along with the other two bureaus in the form of a dispute letter. XXXX  and XXXX deleted the account. Equifax did not. 

The FCRA states that information reported must be accurate and complete ; updated and verifiable. It also provides a dispute mechanism initiated by the consumer through the consumer reporting agency and through the furnisher of information. 

As detailed above, I have disputed the information for the referenced account, with both XXXX XXXX XXXX and Equifax directly. I have exhausted all recourses provided for resolution of erroneous information and still the information remains on my Equifax consumer report. The FCRA provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as violations of its provisions. 

It is evident that the information reported can not be verifed because the payment was not made to XXXX XXXX XXXX, and therefore must be deleted as required.
Consumer complaint received 2019-06-01
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

I had an equity loan with Citizens Bank. I paid it off through a refinance in XXXX of 2018. I started receiving bills after the closing saying I owed a balance. I went to my branch in XXXX Mass and was told they owed me {$220.00} and that they would send me a check and close the account. I kept getting bills. I went back to the branch two more times and was absolutely assured the problem was taken care of. I stopped receiving bills. A year later I received a new bill for {$120.00} and a {$20.00} past due charge. I called the home equity department and and was told I need to pay the fee even though they acknowledged I didn't owe it and the error was theirs. They offered to wave the {$20.00} late fee. I am very unhappy with the deceit and lack of taking responsibility hiding behind " the rules ''
Consumer complaint received 2024-11-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.