davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Transunion Rental Solutions company aka Transunion Rental Solutions has caused me problems since XX/XX/XXXX when I was attempting to verify my identity with the NMLS, whom they contracted with to run my credit and identity. I have called and written for months. Their solutions was to mail me a copy of my credit report from their other company Trans Union Credit Bureau. I have reviewed my written report and it is fine. These are two seperate operating entities and the Transunion Rental Services asks questions verbally and you must pass to proceed. I took the test of questions over 40 times and never passed due to the fact the information they asked me about was clearly for someone else. All of the confirmation of addresses and phone numbers were for someone in AL. Then they wanted to know if people such as deceased husband, his deceased mother lived in Texas. I continually said no since they were dead for over 20 years. No one responded to my many calls, not addressed the inaccurate information they had. Today I tried to call TU and they wanted to confirm my identity and again they used verbal questions about the same AL information. I want this corrected. I have not rented a place to live since XXXX. Please help. Do not accept their bogus answers they are looking into the problem or are reviewing the issue. I want a statement they have reviewed my TU Rental Solutions account info and corrected and don't send me my credit report from TU I have it.
Consumer complaint received 2023-08-10
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: EQUIFAX, INC. (CA)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.
Consumer complaint received 2023-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I want to make it clear that I am genuinely serious about taking legal action against your company if necessary. I have diligently sent multiple certified letters requesting the removal of inaccurate information from my file, which have unfortunately been ignored. It is crucial to understand that making false threats of a lawsuit is a crime, and I assure you that my intention to pursue legal action is sincere and justified.
Consumer complaint received 2022-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

I XXXX XXXX XXXX, natural person, living person is giving written instructions to Experian to remove and cease furnishing any and all reporting activities in regards to the accounts above.
Consumer complaint received 2023-08-10
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. (PA)

To whom it may concern, Im writing to address a concerning issue regarding my credit report. It has come to my attention that an Hard inquiry from XXXX XXXX has been listed on my report without my authorization, and upon reviewing the matter, I believe that XXXX has not adequately investigated this inquiry. 
I request an immediate removal of the unauthorized inquiry from my credit report, and a thorough investigation to rectify this violation of my rights. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-08-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

For the record, there was no response and negative information is being erroneously included on my report, as I have advised you on two separate occasions, more than 45 days and again 5 days ago The investigation took longer than 50 days. This is a Direct Violation of Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( a ) As you are well aware, federal laws requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ) I am maintaining a careful record of my communications with you on this matter, for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp, No. 95-6445 ( C.D. Cal Nov. 14, 1995 ), you will be liable for your willful non-compliance. Please Remove All Fraudulent accounts as I have no knowledge of these accounts due to the XXXX XXXX XXXX Identity theft. All is being investigated by the FTC I am also keeping the companies listed below informed for your willful non-compliance : CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX  CC : State Senate CC : Federal Deposit Insurance Corporation CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints
Consumer complaint received 2017-09-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (IL)

I am Contacting youll in need of desperate help.I recently just tried to get me a credit card through XXXX XXXX XXXX but I got denied because there are some credit cards open in my name which I have no knowledge of I am currently a victim of fraud since about XXXX or maybe even XXXX it started off when my mom got evicted and all of our stuff was locked In the house every since than my life has been a living XXXX I am a young mother trying to build credit so I can move further in life to better me and my child but there are so many things holding me back due to this fraudulent activity..The banks the company has notified me about are XXXX XXXX and XXXX I am so lost at this moment because I never even had a account XXXX  would have been my first step of bettering my credit! Im not sure what year these accounts were I just need answers and see how to keep moving forward
Consumer complaint received 2023-08-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

I applied for a Bank of America credit card on XX/XX/XXXX to initiate balance transfer from my XXXX XXXX XXXX and was immediately approved by Bank of America. 
After getting approved for the Bank of America credit card, I set up the mobile banking app. A couple days later, on XX/XX/XXXX, I tried signing into the Bank of America mobile banking app and it wouldn't let me proceed, stating that my account was flagged for fraud, which came as a surprise since I didn't have the physical card yet and had yet to even utilize the account, nor had my balance transfer been initiated. When I called their customer service phone number, they wouldn't provide me with any information and said that I have to visit a physical branch location to resolve the issue. I was finally able to schedule an appointment and visit a branch location on XX/XX/XXXX, where the only issue was that they needed two forms of my ID to verify I was the one applying for an account - it would have been incredibly helpful if they could have disclosed this over the phone and prevented all the stress. After presenting my ID 's to them, my mobile account was unlocked, but the balance transfer still had not been initiated. 
Due to the delay in the balance transfer, I decided to take funds from my personal savings account and instead paid off the balance I was trying to transfer that was on my XXXX XXXX XXXX. I paid off this balance in full on my XXXX XXXX  on XX/XX/XXXX. I called Bank of America to advise them to cancel the balance transfer since I already made the payment and they advised me that that wouldn't be possible since the transaction was pending, they advised me to then contact XXXX to see if they would be able to cancel the transaction on their end. I called XXXX, and they were not able to cancel the transaction either. The Bank of America balance transfer was FINALLY initiated on XX/XX/XXXX and I was charged a balance transfer fee of 3 %. Since then I have called Bank of America several times asking for the transfer fee to be waived since it was an inaccurate charge and they denied my dispute of having the fee removing, and have further stated there is nothing they can do about it. For the 3 % fee, I was charged {$420.00} that was wrongfully taken from me and I did all that I could to prevent this from happening. I have paid off the entirety of the balance that Bank of America transferred ( which they shouldn't have transferred as it caused XXXX to have to write me a check for that amount ). However, I have not paid for the balance transfer fee of {$420.00} as I feel I do not owe this amount and I desperately need help getting these funds back.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (TX)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-19
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

To Whom it May Concern : On XX/XX/2020 I went to XXXX to redeem a voucher for a plane ticket. The website is very outdated and they do not make it clear where you are supposed to enter the voucher number. I got to the part, where I had to enter my credit card number and I entered my bank of america credit card number because it wouldn't let me progress to the next screen otherwise. After I hit next, the website crashed and I thought that I did not think the purchase had gone through. I did not receive any emails of any kind regarding a ticket I had purchased. The next day, I saw that the charge had hit my bank of america account. I immediately tried to get in contact with XXXX in order to cancel the ticket and get my money back. Getting hold of them turned out to be very difficult. I reached out many times via chat and was told each time there was nothing they could do via online chat. I called several times, and the phone would ring for hours without anyone ever answering the phone call. I have a screenshot of a phone I placed on XX/XX/2020 for over XXXX hours. No matter how long I waited no one would answer the phone. I even went to the airport to try and resolve this issue and they said I had to call. I did not use the plane ticket nor did I even get a confirmation that I had purchased a plane ticket. They need to refund me this money and improve their customer service. The fact that no one answers the phone is ridiculous. Please reimburse me the full account. I have been a client of yours for over 20 years and have never had any of these types of issues. 

Thank you!
Consumer complaint received 2017-09-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (NY)

This letter is a complaint against Nation Star ( Mr. Copper ) they took upon them self to pay off our taxes with out our consent or any notification what so ever. We were not behind on our taxes and we were paying them as they were due so I was skocked when I went to pay my taxes on XXXX XXXX and the clerk said they were paid in full. 

Nation Star created an escrow account and now they want that money upfront for the taxes that they paid, for what ever reason they they paid them in the first place. Now when we pay our monthly mortgage it seems that our payment is not being recorded because they want this escrow account paid in full. We continue to pay our mortgage monthly. Our monthly payments have not been applied to our loan and we do not know what to do, please help us in anyway possible.
Consumer complaint received 2022-03-21
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Mercedes Benz Financial Services (CA)

I have 3 car loans that reported me late the first one XXXX XXXX was reported late on XXXX and XX/XX/21. 
The 2nd one Mercedes reported me late XX/XX/21, XX/XX/21 and XX/XX/21 on XXXX and XX/XX/21, XX/XX/21 and XX/XX/21 with XXXX. 
These lates are not accurate, I have sent them letters about this problem already. I had to close my account due to fraud that the auto payments were being made from and we notified the creditor and they agreed to give us time to transfer everything over, but they still reported me late anyway. I had the funds in my account and there is no reason why I wouldn't make the payments on time. I am a XXXX and am constantly traveling so I have a manager that handles paying my accounts. How these are reporting is not correct and inconsistent. Due to the Cares act I am asking that you please have them remove these lates reporting that were not my fault. 
I also have a collection from XXXX XXXX XXXX from an ambulance company that does not belong to me showing on XXXX only. Please have them remove this as I have sent several letters on this matter too.
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

In XXXX XXXX, I filed for Chapter XXXX Bankruptcy. My bk was XXXX. Upon checking my credit report, I discovered that Experian is reporting information on my report that is a violation of the FCRA and Bankruptcy Code by listing XXXX accounts, on the summary page of my credit report, that I included in my chapter XXXX bk as " NEGATIVE '' or " LATE PAYMENTS. '' The creditor is supposed to discharge the accounts but they are not supposed to tell the credit bureau that it is a XXXX account. XXXX accounts can NOT be late-ever. 

Section XXXX of the FCRA requires credit bureaus " to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' It is not reasonable to label an account that has been XXXX in a bankruptcy as " bad debt of late '' if the account was open and not XXXX off prior to consumer filing bankruptcy. Such designation is inaccurate, misleading because it would indicate that the creditor had written off the account at the time of bankruptcy when it had not in fact done so. 

NEGATIVE REPORTING ON A XXXX DEBT IS A VIOLATION OF THE PERMANENT INJUNCTION OF MY DISCHARGE. They have interfered with me being approved for credit. They have interfered with me being approved for credit. I feel that I am being punished by the credit bureau and creditor for a difficult decision what was unavoidable. 


Under the NOTES section of my credit report, Experian added derogatory notations about my address for which I never gave them permission to do add. They have damaged my credit report with reporting XXXX accounts as LATE PAYMENT AND they furthered added insult to injury by reporting my address, that I have used for over 7 years, as a " high risk '' address. '' I do not understand WHY this company feels so free to report ANYTHING on my account without fear of repercussions. These blatant VIOLATIONS MUST STOP.
Consumer complaint received 2017-09-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (IA)

I opened a XXXX XXXX XXXX with XXXX with the offer that I can get XXXX XXXX XXXX points with a net spending of XXXX within the first three months. After I reach the spending threshold and the 8-week waiting period, the bonus was not credited. I used on-line chat to talk with XXXX representative, and got confirmed that I had met the requirement for the advertised bonus. After another two-month wait, the points has n't arrived and I have n't received any updates from XXXX.
Consumer complaint received 2017-09-12
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: EQUIFAX, INC. (GA)

My private credit information was accessed in the Equifax security breach discovered by the company on XXXX XXXX, XXXX. This causes me to be vulnerable to identity theft and creates significant anxiety. I filed a complaint with Equifax on XXXX XXXX XXXX, at which I time I registered for identity protection services through TrustedID Premier.
Consumer complaint received 2022-06-19
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

I have deposited the check with Wells Fargo Bank in the amount of {$4700.00} on XX/XX/22 to the second alternative account I opened around XX/XX/22. Prior to this check deposit I also deposited cash to the same account. A few days later I received the letter stating that the check 's full balance will be available to me only XX/XX/22 citing " new account ''. On XX/XX/22 I immediately called Wells Fargo saying that there is no fraud or falsehood involved since I had already deposited a hefty cash sum to the same account and demanded the release of my money before XXXX-I connected my credit cards for the scheduled auto pay. The complaint was logged, but the deposit remained frozen. On XX/XX/22 I called Wells Fargo again asking to release my funds. I was connected to the escalated service department, to the agent by the name of XXXX. That said XXXX refused to provide his identification number and said that this is the bank 's usual practice to hold money for the so called " new account ' for more than 6 business days and hung up on me! In fact Wells Fargo has been holding my money for eight ( 8 ) business days!!!! Please take into consideration that the officer who opened my account did NOT say anything about these restrictions of a " new account ''. Wells Fargo put me in this frustratingly absurd situation where I should ask for my own money to be available to me?! And meanwhile should I suspect Wells Fargo using my money for its own purpose?!
Consumer complaint received 2023-08-10
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. (TX)

I ordered a XXXX XXXX XXXX XXXX XXXX XXXX XXXX as I was nearing the end of my XXXX XXXX XXXX XXXX  contract. The equipment for XXXX XXXX was delivered a couple of days later ( after XXXX ) with self install instructions. I wasnt able to complete the install myself, and I hadnt scheduled XXXX XXXX XXXX  to disconnect until new service was installed & functioning properly. Rather than waiting for a technician to eventually install the new services for an additional charge, I decided and renewed XXXX XXXX XXXX services ( as always, paying more than I should for only a little bit of actual services ). I called the next morning, spoke to several people in several departments at XXXX XXXX & arranged the return of ALL equipment. This was later verified, all equipment was received. I was told repeatedly that all equipment was received & that I would not be ncharged ( since no service was ever received ). A few weeks later, I received a bill! I repeated that entire process as described above, AT LEAST 3 times by the XXXX of XXXX! At the end of XXXX, I repeated this process AGAIN, with less patience than usual and stopped receiving billsonly because it had been turned over to a collection agency ( XXXX XXXX )! This then began to show past due/ unpaid on my credit report. Ive since filed XXXX disputes about XXXX XXXX XXXX XXXX XXXX through my Experian app, and called XXXX XXXX AGAIN. I had a lengthy conversations about this- XXXX months after I was assured that it would not be a problem. On XX/XX/XXXX, I was assured this would be completely retracted & I should expect full resolution by XX/XX/XXXX. This was supposed to DELETED from their system & corrected in every credit reporting agencys system, as well. Its been close to a year and I am still spending hours every month trying to resolve something I never owedand its still a problem? I should not have to pay for something I dont owe, nor should I have to pay someone else to fix something that should never have been a problem to begin with. I dont know what to do? Hire an attorney and pay them to prove I dont owe it? Sadly, this is just ONE of the accounts on my credit report, that arent my responsibility and I do not owe.
Consumer complaint received 2021-02-17
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC. (CA)

Loan provided was for {$3800.00}, total loan payment is close to {$12000.00}. I already paid {$4800.00}, I called the company in XXXX to discuss a pay off amount, which I was willing to do by paying an additional {$1500.00} to close the account. They refused and told me the only payoff amount is the full loan amount including the interests, which is about {$7900.00}