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)

On XX/XX/2016 I was looking at my Transunion credit report and noticed that they had reinserted previously deleted addresses and previous employers that were previously deleted. Transunion illegally re inserted the addresses and employment with out giving me written notification 5 days prior to re insertion. They have broken the law. 
The addresses they illegally reinserted are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX The employer they illegally reinserted was : XXXX XXXX XXXX
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. (OR)

Going back thru XXXX  my personal information was stolen from our storage unit, also a vehicle was stolen from the property with personal information, this person was caught and later released from XXXX, however he tried to purchase many vehicles in my name now all credit bureaus refused to take off inquiries with is hurting me badly, there are over 100 of them XXXX  from all 3 bureaus I have provided lots of information they have asked for, police reports and case numbers..
Consumer complaint received 2020-06-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: U.S. BANCORP (TX)

XX/XX/2020. I submitted transfer from one bank, US Bank, to XXXX XXXX. It was around 4. Within 10 minutes of the transfer, I called US Bank and they said they could not cancel it. They told me call XXXX XXXX. I called, they said they couldn't cancel it without the other banks special number. I called back, US Bank said they couldn't help me. I did the same song and dance on Saturday morning to no avail. Then, I waited all day today, Monday to let it fix itself. It didn't. I called US Bank and got 2 other assoicates. Each XXXX. Each uninterested. One was XXXX, her manager was XXXX employee number XXXX. If I call about unemployment benefits, don't have a I don't know or I don't care attitude. Find an answer. If you reference a policy, tell me what it is. Email me what happened. They did nothing. Terrible.
Consumer complaint received 2023-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

I applied for an auto loan with XXXX on XX/XX/2022, my loan was denied due to Equifax reporting an incorrect score at that time. On XX/XX/2022 I was notified of this error via letter from XXXX. 

The incorrect reporting of my credit score caused me to have to finance a car loan at a higher interest rate than I would have been able to secure with a correct credit score. Additionally, I had to pay a down payment that I would not have had to if my loan had been approved with the correct credit score. 

I am disappointed that this error was not caught earlier and that it took almost eight months for me to be notified of it.
Consumer complaint received 2015-11-13
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Residential Credit Solutions, Inc. (IL)

Residential Credit Solutions in Texas has been trying to foreclose on our mortgage. They have dragged this case through court for 5+ years and have refused us a trial modification. They also refuse to speak to me or my husband regarding our loan or options. They drag it out and drag it out and then tell us that our loan is delinquent for an excessive amount of months which has been out of our control. They also have lost the original note. We have a court date tomorrow and are going to ask for more time to appeal their decision, but do n't know if the judge will allow us more time. 

Also this is a VA loan and the VA has never tried to help us or counsel us!
Consumer complaint received 2023-01-19
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: TD BANK US HOLDING COMPANY (NC)

RE : Complaint ID # XXXX I just received a letter from TD Card Services regarding my dispute with XXXX XXXX XXXX dated XX/XX/XXXX. 
They state the following : I opened a claim on XX/XX/XXXX in the amount of {$5800.00} XX/XX/XXXX I was issued a refund in the amount of {$290.00} and stated I did call back to dispute the whole amount of {$5800.00} and not just the {$290.00} from XX/XX/XXXX, which is on record. According to documentation I disputed the whole amount of {$5800.00} with my first phone call to TD Card Services on XX/XX/XXXX. 
TD Card Services closed the case on XX/XX/XXXX, which was after the 90 day limit. When I called they said it was a mistake and the case was re-opened. TD Card Services said I re-opened the claim when actually I did not re-open the claim, TD Card Services did as they stated to me it was due to an error on their part. 
TD Card Services again went past the 90 day limit. I received a letter ( please see attachments ) dated XX/XX/XXXX. Also please refer to Complaint ID # XXXX. 
I do believe in my opinion that because TD Card Services did not do their due-diligence and went past their deadline to recover the {$5800.00} from XXXX XXXX XXXX, which is stated in the letter addressed to me~ that they no longer have charge back rights. They are discriminating against me even though I have gone over and above of what TD Card Services has asked of me and been more then patient since XXXX regarding this dispute. I honestly thought they would back me up in this dispute as I have been with TD Card Services for many years. 
Please refer to Complaint ID # XXXX for all the documentation and notes regarding this claim. 
Spoke with a supervisor named XXXX. She said the dispute has not been closed. She had no information about the attached letter I received about it being closed. She if indeed the dispute was closed it be re-opened yet again. She also stated to me that she would be calling me back on Wednesday XX/XX/XXXX before XXXX or Thursday XX/XX/XXXX by XXXX EST with a resolution. I didnt hear back from her by said date and time. I called TD Card Services on Thursday XX/XX/XXXX at XXXX and was put on hold for XXXX minutes. Spoke with a customer service supervisor named XXXX. He could not the previous supervisors notes. He could tell if my case was re-opened as XXXX stated to me. He did however open a new case ( case # XXXX within TD Card Services. XXXX said he or XXXX would be reaching out to me on Monday XX/XX/XXXX or Tuesday XX/XX/XXXX at least with a resolution.
Consumer complaint received 2024-08-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I am writing to express my deep concern about the disputed accounts on my credit report. Despite multiple efforts to address these inaccuracies, I have yet to receive any resolution or corrective action. These errors are significantly damaging my credit file and seriously affecting my ability to live a normal life. 

The consequences of these inaccuracies have put me in a challenging position, and I urgently need your assistance to resolve this issue. I respectfully request a thorough investigation into the reporting of each disputed account. It is crucial that the necessary steps are taken to promptly update and correct my credit report. 

With your support, I hope to restore the accuracy and integrity of my credit file, allowing me to regain control over my financial well-being. I strongly urge you to give this matter your immediate attention and take swift action. Your prompt cooperation in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2016-03-23
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: FORD MOTOR CREDIT CO. (MO)

addition to complaint XXXX. 
I have XXXX viable candidates to take over the truck lease I was left with through my boyfriends death. It was a joint lease. He has passed. leaving me. Again ... XXXX people from XXXX called me but refused to give their last names or ID # or any way for me to designate who I spoke to other than " XXXX '' and " XXXX. '' They still will not provide me with the paper work my boyfriends started to remove me from the lease, they act as if it doesn ' t exist. and if it does n't that 's fine, they should n't tie my hands then by acting like XXXX is the only account holder who can transact anything, because XXXX is deceased. they will not change the address to my new address, even though this was a joint lease. so they are mailing paper work to what they know is a wrong address. they 're looking to me to pay and as their only remaining leasor, but they act as though XXXX ( XXXX ) was the only one on the lease and I have no authority to even update where the bills or correspondence go. further, they want anyone he was related to ( parents children spouses ) to sign on this 'for him. ' It was a joint lease. he is gone. I am the one left. I have someone to take this over, but they 're requiring what I find to be unlawful paperwork. if you have a joint account with someone and one person passes, it is left to the remaining person. I am going to lose this interest buyer and I can not afford this truck on my own.
Consumer complaint received 2016-01-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

BACK ON XXXX XXXX 2016 I RECEIVED A CALL FROM A LOCAL LOAN CO. WHICH THEY SAID IF I WOULD COME UP AND PAY THE LOAN OFF IT WOULD BE LESS THAN WHAT IT NORMALLY IS SO I WENET UP AND PAID IT OFF AND TRANSUNION AND XXXX AND PROBALY XXXX STILL HAVE IT ON MY CREDIT REPORT IF THESE COMPANIES DO N'T UPDATE THERE RECORDS WHY ARE THEY STILL IN BUSINESS BECAUSE THEY CAN XXXX ALOT OF PEOPLES LIFES UP THANK YOU.
Consumer complaint received 2016-11-08
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Pacific Union Financial, LLC (AZ)

On XX/XX/XXXX, I received a phone call from Pacific Union Financial Services at XXXX. The gentlemen I spoke to on the phone stated they ( Pacific Union ) had not received my XX/XX/2016 payment. I explained to him that I made the payment on XXXX. I was at work and I could n't go find my email confirmation. He reassured me that they had not received the payment. So I scheduled another draft out of my checking account in the amount of {$1000.00}. I told him I would call back later to so they could investigate and see what happened to my payment. I called back the same day XX/XX/XXXX at XXXX and spoke to XXXX and tried to explain to her that I made the payment on XX/XX/XXXX and she stated she could n't find a payment. I asked to speak to a supervisor and she told me no one was available. She told me she would have XXXX or XXXX ( supervisors ) call me back to look into my payment. As of XX/XX/XXXX I have not heard back from Union Pacific Financial, XXXX or XXXX. I found the email confirmation of my payment. They have reported a delinquent payment to the credit bureaus. My account is not delinquent and I have the payment confirmation.
Consumer complaint received 2015-09-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

The agency does not have my balance and limit accurate on my credit cards through XXXX XXXX XXXX XXXX XXXX is $ XXXX and balance is below $ XXXX XXXX XXXX XXXX balance is {$9300.00} NOT $ XXXXThe inaccurate limit is causing my ratios to be high when they are really not. Disputed but still not updated. The agency MUST report inaccurate information correct? I feel no one even read my dispute or even my request.
Consumer complaint received 2016-09-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Millennium Credit Consultants Inc. (MN)

This company fails to respond to me on inaccurate items on my credit report. Listed as in collections. 
I am writing to have a debt removed from my credit report as I believe the Fair Debt Collection Practices Act, Section 809 ( b ) : Validating Debts has been violated. I have emailed, called and wrote numerous letters without response or verification of this debt. Please remove this debt as it is only listed on my XXXX credit report.
Consumer complaint received 2016-04-11
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Paypal Holdings, Inc (NY)

Paypal.com in conjunction with a XXXX online order opened a " Line of credit '' in my former name XXXX XXXX XXXX billing me as Paypal Credit. The fees are high, as is the interest rate and as of XXXX/XXXX/XXXX I owe over {$100.00} on a purchase of {$41.00} made XXXX/XXXX/XXXX. 
The first customer service rep at Paypal told me that they do not have my SS # or birthday. Now a few days later, they say that they do. The advertising on the XXXX website for the paypal card is deceptive. 
Your agency nailed paypal for doing this with credit cards in XXXX XXXX according to XXXX Today. Now it appears they have found a way around the issues they were brought to court for and are issuing lines of credit instead. 
I have no paperwork from paypal stating the terms and conditions.
Consumer complaint received 2023-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SANTANDER HOLDINGS USA, INC. (FL)

In accordance with the fair credit reporting act this XXXX Santander consumer usa has violated my rights under 15usc1681 section 602 states I have the right to privacy. 15usc1681 section 604 a section 2 it also states the consumer reporting agency can not furnish an account without my written instructions. Under 15usc1666 b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2015-04-01
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

i requested a report from transunion and was sent to their site and was instructed to try their product and could cancel at any time as i understood at no cost when i call to cancel i was told there would be a XXXX charge to my credit card i hope that someone will contact the company and stop this from happening again i was supposed to get a XXXX report this is a complete ripoff thank you
Consumer complaint received 2016-10-06
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: EQUIFAX, INC. (MA)

I had an Equifax credit reporting product. " Equifax Credit Watch Gold. '' I did not want to re-up for the year because they are terrible, but they charged my credit card after the year expired without telling me that I would be charged. In addition, the cost went from XXXX to XXXX, they did not tell me the price would increase. 
I spoke with a person named XXXX in XXXX and he told me that he would only give me a partial refund of {$110.00}. they are charging me for a month because I did not cancel before they charged my credit card the {$120.00}. which is better than nothing, but still fraudulent. XXXX said that they sent me an email that he price was going to increase, but I promise you that they did not. 
Equifax is a terrible product. They never send me any reports on ANYTHING EVER. All Equifax did was take my money.
Consumer complaint received 2016-09-20
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

TransUnion Credit Bureau is in violation Of Section 609 of the Fair credit reporting Act. 
Unverified accounts are being reported on my credit profile. They are suppose to verify my signature on al accounts submitted by creditors according to this act.
Consumer complaint received 2016-03-19
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (CA)

On are around XXXX/XXXX/XXXX I filed a dispute with Equifax Credit Agency ( ( Exhibit XXXX ) that were mail by certified mail ( Exhibit XXXX ). On or around XXXX XXXX, XXXX I send another letter certified to Equifax ( Exhibit XXXX ) informing them what the FCRA say about what suppose to happen if they did n't complete the dispute process in 30 days ( Exhibit XXXX ). As of this 21 day of XXXX XXXX I have not received any thing from Equifax. I will mail all supporting documents
Consumer complaint received 2016-05-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I received a written letter from XXXX XXXX XXXX , XXXX regarding an account. The written letter offered the option of " 1 payment of {$970.00} '' after which my account would be considered " Settled in Full '' once the payment is successfully posted. ( Please see attached letter ) When I proceeded with the payment, the prompts promised " You should receive in 5 business days a confirmation letter, at the mailing address indicated on the previous page, reciting the terms of your payments and confirming your authorization. '' I paid the {$970.00} ( please see attached section bank statement noting payment to XXXX XXXX XXXX , XXXX ) and not only have I not received this letter, but XXXX is still reporting my account as OPEN and " Seriously past due date / assigned to attorney, collection agency, or credit grantor ''. ( See attached Credit Report excerpt ) Their statement was misleading.
Consumer complaint received 2016-01-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (GA)

after disputing the tax lien from my file the bueraus keep deleting it and putting it back on without ANY type of noticfication or validation, i have sent in all of my identity theift police reports and i have asked them to block this from my file
Consumer complaint received 2015-06-18
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Paypal Holdings, Inc (TX)

When Paypal took over Bill Me Later, I was not notified and they let me charge XXXX dollars over my limit without ever notifying me the account was taken over by them and I had gone over my limit. When I found out, and I can not remember when or how, someone had already stolen XXXX dollars from my checking acct. That was refunded but they refused to do anything about the overage of credit. The reputable credit card companies would not let have let you do this. Paypal paid the other fraudulent charges also and they even sounded fraudulent ( which was the thing ) .When I complained, about the credit they had given me without my knowledge they closed he virtual account, and now I have no access to any documents to either Bill Me later Or Paypal. to know when this happened and how much and when I went over. Now I am paying thousands of dollars of interest on goods purchased that I can not send back.. I am also XXXX after 34 years and will have difficulty paying back. They called this am and told me I did no pay last month 's bill which I have been paying them over the phone. I will check on that so I paid up through XXXX. If I check my statement and I have paid it, I will complain about that. It would not be impossible to have missed it due to XXXX but I again told them I did n't get my statement. It really made angry. I believe they are dishonest.
Consumer complaint received 2016-12-19
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: FRESNO CREDIT BUREAU (CA)

To whom it may concern, I was planning on buying my first home i had checked my credit and seen that I have XXXX accounts that does not belong to me. I do not know if it 's a mixed credit file or if someone has been using my info, But what I do know is that these accounts on my credit file does not belong to me. XXXX of the accounts are Fresno Credit Bureau XXXX XXXX XXXX XXXX XXXX. On XXXX/XXXX/2016 I filed a police report with my local police station and filed an FTC Affidavit with the Federal Trade Commision. I then sent all that info plus some supporting documents to the credit bureaus and the creditors of the accounts. After waiting 30 days I received an response from the XXXX credit bureaus that they concluded that my claim was frivolous. In accordance with Section 623 FCRA, 15 U.S.C. XX/XX/XXXXS - 2 of the Fair Credit Reporting Act, 15 U.S.C. XX/XX/XXXXg ( e ) section 623 ( a ) ( 6 ), If a Furnisher learns that it has furnished inaccurate information due to identity theft, It must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information Section XXXX XXXX XXXX XXXX XXXX XXXX. 

When any furnisher of information is notified pursuant to the procedures set forth in XXXX XXXX that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section XXXX XXXX XXXX)