davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-21
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

In accordance with the Fair Credit Reporting Act, these two accounts below have violated my federally protected consumer rights to privacy and confidentiality, and fairness in the consumer market. 

Account # XXXX Account # XXXX 15 U.S.C 1681 section 602 A states that I have the right to privacy.

15 U.C.S 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an 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 adverse item of information, other than records of convictions of crimes antedates the report by more than seven 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 they person knows or has reasonable cause to believe that the information is inaccurate. 

I disputed these two accounts, and they were verified despite there being inaccuracies of date of account and address. 

One of these accounts was repeatedly re presented to cause repeated injury to my credit, an account from XXXX presented as new repeatedly in XXXX, and the consumer reporting agency allowed this. 

The agency did not furnish me with a report on the investigation on how they verified the account which in itself is another violation of my consumer rights, as per Fair Credit Reporting Act ( FCRA ). Section 611 ( a ) of the FCRA requires a CRA to conduct a reasonable reinvestigation of any item of information in a consumers file if the consumer alleges the item to be inaccurate. 

With regard to this I would seek remedy as is statutorily my right to do. This is unfair. The debt was incurred as a result of the pandemic and issues with the property and landlord, and there was considerable dispute such that it was an unfair assault on my credit to allow it to be repeatedly presented as a new debt, the original company refused to investigate the issue and assist me at a time of need. 

There must be rules on CRA allowing furnishers to attack the credit of a consumer in this way? 

I am seeking consolidation loans to assist with managing my debt and to finance my business growth to increase my income, towards buying a house etc and these erroneous statements on my credit are negatively impacting my life.
Consumer complaint received 2016-11-12
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: SECURITY FINANCE CORP (TX)

The company I am complaining about is Continental Credit at XXXX, Tx. I have been getting calls constantly at work which I am getting in trouble for and had to put a harassment report due to all the calling. The few times I have answered at work the representative is always rude and says " We need your payment now! You said you would pay where is your payment? Do you have the money now? We will go get it from you right now tell us your exact location. '' I have XXXX and with them always calling and telling me I will be sent to jail due to non payment has made me have XXXX at work which causes me to put my duties at work a side so I can calm down which takes hours. I do not appreciate this at all.
Consumer complaint received 2016-10-03
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY (GA)

This is previous case that I submitted which goes to show you that Wells Fargo was engaging I activities to block my refund because it was looking to make money and not give it away. Therefore, they violated visa policy of refunding charges for not receiving what you paid for within 60 days. I sent proof that what was done was already done and had to be done over after the company damaged my car even further to make money from me/  Please make them clear up my account .
Case number: XXXX

 



Back 



Status

   Response disputed   

WELLS FARGO BANK, NA said:
 Explanation of closure 
Please see attached response. Thank you. 
  


 Response 
Please see attached response. Thank you. 
  

What happened 

 Describe what happened so we can understand the issue... 
I went to XXXX to get an emission inspection for a XXXX Mercury Grand Marquis and a computer reset. State law requires the car to be driven before inspection w and the fact that it takes up to XXXX mile for the computer to reset and give a reading on passing or failing inspection. I had already had a diagnostic from XXXX saying that my  egr valve and spark plugs needed to be replaced which I had repaired XX/XX/XXXX and XX/XX/XXXX. Also, I bought a battery since it had a dead cell in it.  XXXX said that they had a dealer tag and would drive the XXXX miles needed to reset the computer which I was glad to pay for. Unfortunately, they did not drive the car because the odometer was the same XX/XX/XXXX as previous inspections XX/XX/XXXX. What they did do was damage my car so that they could use body parts from a Lincoln continental for repairs on my car and make  XXXX I told them that I would pick my car up, but I was 10 minutes late and XXXX threatened to leave. I quickly paid for the ticket XXXX without seeing the actual paper work because I was rushing to prevent the tow truck driver from leaving. I thought that they had driven the car, but when I went back the next day to get the repair ticket they had charged me for other services including the inspection but had not driven the car as I had requested. I told this to Wells Fargo who credited my visa debit card and a few months later charged it back . The told me that I needed a second opinion about repairs even though I gave them evidence of the previous inspection and the one done by XXXX. showing the exact same odometer readings the same on XX/XX/XXXX and a brochure from XXXX stating state law.  I gave them a letter from Sooner a car repair shop stating that driving the car had to be done in accordance to state law before inspection and they charged XXXX to  reset automobile computers on their machine.  Now my checking account is in collection with Wells Fargo who says I need a 2nd opinion to dispute a charge of not getting the services that I paid for which is a violation of the visa rules regarding purchases. I notified them the next day after I saw what I paid for on XX/XX/XXXX and paid for it on XX/XX/XXXX.
Consumer complaint received 2024-10-04
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: EQUIFAX, INC. (NY)

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 2024-10-05
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: EQUIFAX, INC. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2017-02-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (CA)

Hello, I purchased XXXX phones from XXXX : I was originally with XXXX Bought XXXX new phones and switched to XXXX and ported my numbers Returned the phones to XXXX because the service was not good in our area - returned within the 2 week time period. 
Bought XXXX new phones with XXXX, had number ported back In XX/XX/XXXX I received a collections notice from XXXX in the amount of {$1300.00}. I called XXXX and spoke with a rep ( got bounced around quite a bit ). Finally got to someone in collections. I explained the situation to them. He did see in his system that the devices were returned and numbers ported out. He gave me a case number and said the resolution date would be XX/XX/XXXX. 

On XX/XX/XXXX I received a collections notice from a different collections company regarding the same amount as above. Called XXXX back today XX/XX/XXXX and they said I have to go back to XXXX and have them make a note in their system that the devices were returned and ported back. The XXXX rep said there was no notes in their system showing my prior conversation with customer service. I asked to speak to a supervisor and they had me on hold for 35 minutes - the phone mysteriously hung up.
Consumer complaint received 2021-04-01
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. (TX)

In XX/XX/XXXX, I charged airline tickets using my Chase Sapphire Reserve XXXX to fly on XXXX XXXX in late XXXX and XXXX XX/XX/XXXX. XXXX offered to give me points ( flight credit ) after the flights were cancelled due to COVID19. I accepted this offer since the flights were non refundable. However, in XX/XX/XXXX, XXXX XXXX contacted us to let us know that they have cancelled service to the US indefinitely ( possibly permanently ). I immediately reached out to them for a refund, which they denied. They claimed I could use the points while in XXXX, but I do not live in XXXX. I filed an appeal with them, which they again denied, claiming that they had earlier offered me a refund, which is completely false. To be clear, XXXX XXXX has never offered me a refund. Recently, XXXX sent out communications prohibiting the use of points to travel on their airline through the end of XXXX. So, their original position that I could use the points is simply not true. At any rate, XXXX has been unjustly enriched by the {$5000.00} they have received from me for services they have no intention to provide at any reasonable time. 

At the same time I pursued a refund through XXXX, ( XX/XX/XXXX ) I reached out to Chase and filed a claim to have the charges reversed, as I paid for a service that I never received. I informed Chase that XXXX has defrauded me of my hard-earned money. Chase refuses to intervene on my behalf despite my long-standing status as a Chase card holder. I pay my Chase credit bill in full every month, and have done so for years. Chases position is that the charges took place too long ago for them to assist. This is an unreasonable position, as I purchased those tickets as early as possible to secure a reasonable fare for international travel. For a family of XXXX, waiting to the last minute to book flights would be cost-prohibitive. By their reasoning, anytime after XX/XX/XXXX would have been too late for them to intervene, even though the travel dates were later in the year. 

As soon as XXXX suspended service to the US, I contacted Chase for assistance as the terms of service from XXXX changed. I am no longer able to get the service that I paid for. On the basis that XXXX has fraudulently withheld my money and denied my valid claims, Chase has the ability to intervene on my behalf. They have declined to do so. To be clear, I enjoy travel, and I pay Chase a large annual fee every year to have this particular card because they have lead me to believe that they will intervene in just this type of circumstance. They will not and have not. My husband wants me to cancel my Chase card for just this reason.
Consumer complaint received 2016-11-19
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Platinum Holdings Group, LLC (WA)

My place of employment received a call from a XXXX from Worldwide Recoveries , LLC, telling my secretary that I was going to be served legal papers at work that day unless I called them back. I called, and XXXX never disclosed that it was a call from a debt collector at any point during the conversation. He proceeded to inform me that I had allegedly taken out a loan from XXXX ( which is not licensed to loan in WA, where I live ) for {$400.00}, which is now somehow {$1100.00}. I told him I was not aware of this and demanded verification of the debt. He then told me I was just trying to stall and that I would be served papers that day at work and sued and my wages garnished if I did n't pay immediately, because " it 's really easy to get wage garnishment in Washington ''. A few days later, I got a " settlement offer '' letter in the mail. This letter claims that I authorized a payment to be taken from my bank account ( I never authorized anything, nor did I give them my baking information ) and the letter claims that if payment is n't made they 'll revoke their " offer ''. They did not send verification of the debt, nor did they provide their professional license number to collect in Washington State as I requested. They are using illegal collection tactics : Calling me at work after they 've been told not to, disclosing information to my employer, threatening to show up at my work to serve me immediately, threatening to garnish my wages without notice and calling me repeatedly to harass, intimidate and threaten me, and sending a letter saying they are taking money from my account which I never authorized. They continue to call after a cease and desist letter was sent to them, and after I requested a verification of the debt - by law, they can not contact me again until they have done so.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2015-12-17
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Conn's, Inc. (TX)

Please see complaint nos. XXXX, XXXX and XXXX. THIS IS NOT MY DEBT. CONN'S HAS KNOWN IT IS NOT MY DEBT FOR OVER A YEAR YET CONTINUES TO TRY AND ILLEGALLY COLLECT ON IT. THEY SAY THEY CAN'T FIND AN ACCOUNT ON ME. IF THEY WOULD ACTUALLY LOOK AT THE DOCUMENTS I HAVE PROVIDED MORE THAN ONCE, THEY WOULD SEE THAT THEY JUST RECENTLY RESOLD THIS DEBT ONCE AGAIN TO ONE OF THEIR MANY COLLECTION AGENCIES - WHICH WAS ILLEGAL BECAUSE 1) THE FIRST COLLECTION AGENCY THEY SOLD IT TO WAS UNABLE TO VALIDATE THE DEBT AND REMOVED IT FROM MY CREDIT LISTINGS OVER A YEAR AGO; AND 2) THEY RESOLD THE INVALIDATED DEBT TO ANOTHER DEBT COLLECTOR AFTER BEING PUT ON WRITTEN NOTICE THAT ALL COLLECTION ACTIVITY MUST CEASE UNDER FEDERAL LAW UNTIL THE ACCOUNT HAS BEEN VALIDATED. THEY ARE BREAKING THE LAW AND VIOLATING MY RIGHTS. I DEMAND THAT SOMETHING BE DONE.
Consumer complaint received 2017-03-25
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (NC)

CostCo made a change from XXXX to Citibank Visa credit cards. I did not authorize their sending a card to me and when on arrived I did not activate it. I was just billed {$55.00} on the card for membership renewal which I did not authorize. The bill will be removed, however in cancelling the card which I never authorized my credit rating ( FICO score XXXX ) will take a hit.
Consumer complaint received 2021-04-01
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC (IN)

This is in reference to prior complaint : XXXX, Acct # XXXX Mortgagor ( s ) : XXXX XXXX Property Address : XXXX XXXX XXXX XXXX , XXXX, TN XXXX I was informed by a letter in response from my last complaint by XXXX XXXX of XXXX XXXX Team with Selene Finance that a check for the amount of {$1700.00} was wire transferred to XXXX back on XX/XX/2021 with a check # of XXXX. 

I am filing this complaint today because after speaking to XXXX on 3 occasions since then, within a 9 day period of the response and supposed wire transfer. Selene Finance continues to hold my funds illegally since XX/XX/2021.
Consumer complaint received 2023-11-20
Product: Credit 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 (PA)

Weve been having continual fraud on our account with the Bank of America card. Whenever we notice a transaction is not ours, we let them know. While some transactions have been refunded, we have {$4000.00} that have not been refunded. Bank of America is disputing legitimate transactions which is causing us problems with our vendors. Despite telling them that the {$4000.00} isnt ours, they keep denying the claim.
Consumer complaint received 2018-08-22
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. (TN)

It has been over 120 days, since XX/XX/2018, where I have sent in my first round of dispute letters by certified mail ( i.d . theft affidavit and police report ) for the credit bureaus to remove the fraudulent information from my credit report in violation of 15 U.S.C. 1681. 
This is my second time disputing these fraudulent accounts by certified mail ( affidavit of truth and facts ), since XX/XX/2018, on contacting the bureaus, and since then, I still havent had any results on the fraudulent information being deleted from my report. The credir bureaus are required under the FCRA to have properly verified that an account listed on my credit report is mine by having a copy of the original application. 
On XX/XX/2018 I certified mailed a second written request for the bureaus to remove the still remainding fraudulent accounts that are on my report. The bureaus have not provided me with a copy of the original documentation that they have on file. Under 609 and 611 ( a ) ( 1 ) ( A ) of the FCRA, the credit bureaus are required to promptly delete  all information which can not be verified. 
Under section 617, the law is very clear as to the civil liability and the remedy available to me for " negligent noncompliance '' These bureaus have had over 120 days to complete these actions.
Consumer complaint received 2023-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (VA)

Equifax is reporting incorrect information on my credit report in addition to reporting to Third parties. If I call by phone, the agent ask you to go through and identification process. I was asked to send a picture ID of your driver 's license. I asked for an alternate way. You are asked a series of questions, many of which do not make sense. Such as name a recent or past credit card account and what were your monthly payments? I explain to the agent it was not a good question because credit card accounts are payments are based on balance not monthly payments. If I miss a question, I am not authorized and can not move forward. If I call by phone and provide my information it always says it can not be verified, even though I am providing the information that they have on file. 

I wish to report that the address listed on my credit report on XXXX XXXX is not an active or authorized mailing address. I have never used it as a mailing address. It is to be removed. 

I have not received any usable feedback for my first complaint. Equifax sent me something stating I need to send them a picture of my driver 's license for them to authenticate me.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

I have derogatory marks on my credit that has been paid for on a consolidation thats hasnt been removed from my account for XXXX recent credit cards and inquiries that may need to be removed in order to get to the next step planned for funding
Consumer complaint received 2023-08-14
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.
Consumer complaint received 2018-08-22
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Jim Bottin Enterprises, Inc (IN)

I have a letter from my insurance company from XX/XX/2018 which states that I am medically XXXX  which prohibits me to use the gym facilities. I called on XX/XX/18 to cancel my membership and the rude managers, XXXX and XXXX said that other people use our facilities that have XXXX , so we could freeze your account if youd like. They wanted a note from a doctor that states my personal medical condition and I am not comfortable giving them that sensitive information. My insurance company works in conjunction with all of my physicians so why isnt the letter from my insurance who got the information from my physicians enough to cancel my membership?
Consumer complaint received 2018-08-22
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. (IN)

I have made several requests for EXPERIAN to verify information they are reporting on my behalf to others on my report. In my written requests for this information I requested them to send me a copy of the information they used to verify the information they are reporting is valid. I requested contact information be sent to me for all debt they have indicated is valid. I ask to have the info verified or removed. EXPERIAN has failed to properly verify the info or its accuracy and provide me with the documents they have used to verify the debt but have sent me responses saying they have verified the debt and it is valid. I sent them several requests in writing in regards to the accounts I will list below. I sent the request both online as well as via mail on the following dates XX/XX/2018, XX/XX/2018, and XX/XX/18. The accounts I am listing are either reporting incorrectly or they DO NOT BELONG to me at all. I have requested them to properly report information on my credit report but they have failed to do so and have refused to do so which is a direct violation of my rights. 
Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Kentucky XXXX XXXX XXXX XXXX XXXX Bankruptcy Court XXXX XXXX XXXX