davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-04
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. (MD)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-04-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

TRANSUNION IS HAS VIOLATED MY RIGHTS AS A CONSUMER AND HAVE NOT REMOVED AN ACCOUNT THAT CAN NOT BE VERIFIED. I CAN ONLY VERIFY DEBT. AND I DO NOT VERIFY THIS DEBT.
Consumer complaint received 2021-04-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Quality Asset Recovery LLC (TX)

Debt Collection account was opened XX/XX/2021. I have not been notified of this debt by Quality Asset Recovery LLC. I sent a letter to verify and validate this debt XX/XX/2021. It was received XX/XX/2021. There was no response. I then sent a follow up letter informing them that they have failed to validate this debt with me or notify me of this debt in writing of any sort within the allotted 30 days, sent XX/XX/XXXX and was received XX/XX/XXXX. ( ALL Mail Sent by me via Certified Mail ) ( No mail or letter sent from Quality Asset Recovery to me ) Quality Asset Recovery has not notified me once or contacted me once in regards to this debt, opened now 3 months ago, which is a violation of the Fair Debt Collection Practices Act. They also failed to validate this debt when prompted within the allotted 30 days, which is also a violation of the FDCPA.
Consumer complaint received 2024-09-09
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. (NY)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I recently reviewed my credit report and noticed that this account was not reporting accurately. I had one late payment on XX/XX/year> which is simply untrue. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments. the account is - XXXXXXXX XXXX XXXX XXXX XXXX. with a credit limit of XXXX XXXX and it was opened on XXXX XXXX, XXXX this account is showing false information so I ask for an investigation on this account across all three major credit bureaus. my social security number is XXXX.
Consumer complaint received 2021-04-19
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: ALLY FINANCIAL INC. (FL)

i applied through XXXX XXXX XXXX for a loan through ally they denied me bc they told the dealer im on there fraud list and blacklist and they cant approve any loans, that officialy there denying me for another reason, but that im on a black list and and fraud list i called them and cant get any anwnsers
Consumer complaint received 2021-04-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo keeps reposting a charge that has been paid for an online order preventing me from closing my account. I placed an online order with XXXX on XX/XX/21, payment was received by XXXX on XX/XX/21, the order has shipped XX/XX/21 at XXXX pm. Wells Fargo changes the pending date every day preventing me from closing my account, the account cant be closed if theres a pending transaction. Its misappropriation of funds, XXXX has been paid for the transaction {$14.00} I receive my merchandise on the XXXX. I have withdrawn all funds from my account, direct deposit has been redirected to another account. I want nothing to do with Wells Fargo they are crooked and dishonest, underhanded.
Consumer complaint received 2021-04-19
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)

While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies.I did not authorize anyone employed by these companies to make any inquiry or view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.
Consumer complaint received 2021-04-19
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: Experian Information Solutions Inc. (CA)

While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies.I did not authorize anyone employed by these companies to make any inquiry or view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.
Consumer complaint received 2021-04-20
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: Conn's, Inc. (TX)

Mad attempts to contact creditor that I was sick with covid-19 and will be needing my payment date pushed back and I never got a hold of anyone and also sent an email but still no response then later on my credit report they said I was 30 days late and when I contacted Conn 's they told me they couldn't do nothing about it despite my attempts to get ahold of someone & I've made 2 attempts to fight the action & it comes out then appears a month later
Consumer complaint received 2021-04-19
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. (DC)

I am requesting that you delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below. 

Is it possible someone forged my name, or that you have confused me with someone else? Please check for me.
Consumer complaint received 2021-04-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NY)

Chase Bank has unjustifiably closed my account twice. They are preventing me from doing business with XXXX. 

I opened a Chase Checking account online after being told they wouldn't open an account in person because of Covid. So I opened the account and made an initial deposit of {$700.00}. I linked this account with Coinbase to make investments. I made 4 purchases {$25.00}, {$85.00}, {$90.00} and {$100.00}. Only the first two of {$25.00} and {$85.00} were processed by Chase. Chase did not process the {$90.00} and {$100.00} purchases but XXXX did. Chase then locked my account and told me I have to go to the branch and open a new account. They closed my original new account and opened a newer account in my name. They refused to process two payments of {$90.00} and {$100.00}. They transferred a balance of {$840.00} from the first account they forced me to close. There were two deposits made on that account {$700.00} and {$250.00}. There were four purchases made from the account on XXXX totalling {$300.00}. The balance should have been {$650.00}. The balance Chase transferred was {$840.00} though because they refused to process the two payments of {$90.00} and {$100.00}.

I took my new account information and tried to link it to XXXX again. XXXX wouldn't accept the new info. I got an error message saying " you tried too many times and the account is locked. '' This was after one time linking the information. So I went to sign on to my Chase online account and I was locked out again. I called customer care again and they are saying this always happens. This is protocol. I know this is not protocol and Chase is discriminating against me. They are preventing me from doing business and making investments with XXXX. In the process they are harassing me and stressing me out. The Branch workers blame the Customer care line workers. Customer care line workers blame the Branch workers and I don't get to use my account like every other Chase customer does. Its discrimination and its a violation of my rights to make these purchases and do business in this manner.
Consumer complaint received 2021-04-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (VA)

I sent my application for an update on my PSLF application which was sent in XX/XX/XXXX. I have contacted them 3 times since then and they keep saying they are still investigating whether or not my employer qualifies. My employer is the Fed Government. It was when I initially applied in XXXX and was approved. I have done my research and my employer, The Internal Revenue Service, absolutely qualifies per any of the recent rules. So this reason is not legitimate. I have filed a complaint with them and still have not gotten an acknowledgement of the issue or even of my complaint. 

I want to take legal action. I know that my servicer got in trouble recently for wrongly denying XXXX and had to reverse their actions. Now, it seems their strategy is to just keep customers waiting indefinitely which is the same the as denying. 

Thank you.
Consumer complaint received 2021-04-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (NY)

Hello my name is XXXX XXXX I inherited XXXX XXXX XXXX XXXX Alabama XXXX in XXXX because of the passing of my godmother. Since XXXX I have been trying to send information explaining the passing of my godmother and that I am now the executor-of the estate. I have sent my drivers license the death certificate and the executor paperwork every time I call I get either they didnt receive it or they received it but they are working on the paperwork. This has been going on since XXXX. Please help me the mortgage is behind 7 months and I am trying to get a forbearance for this home but if I cant get information I cant apply for it.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I'm sending this complaint to inform AGAIN to the XXXX credit bureaus that I was a victim of Identity Theft. It seems the XXXX credit bureaus doesn't care at all that I want to dispute unauthorized items that are reportedon my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX KINGS XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX  XXXX XXXX : {$0.00}
Consumer complaint received 2021-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have many accounts reporting that I was late on the account and never was. I have tried time and time again with the companys and I have had no success. They are all false reports on my credit and I need help getting them removed. 
XXXX  XXXX XXXX  laXXXX XXXX XXXX  account XXXX was late on XXXX, XXXX and XXXX of XXXX. I was not XXXX XXXX XXXX  of account XXXX was late on XXXX, XXXX, XXXX, XX/XX/XXXX. I was not late. 
XXXX XXXX XXXX account XXXX was lat on XXXX, XXXX, XX/XX/XXXX. I was not XXXX XXXX XXXX  account XXXX was late on XXXX, XXXX and XXXX are all false XXXX  XXXX auto loan account of XXXX was late on XXXX, XXXX and XXXX of XXXX was false Department of education account unkown was late on XXXX, XXXX, XXXX and XXXX of XXXX is false as well Also many hard inquires were filed and need to be removed that I did not authorize. 
XXXX XXXX XXXX XXXX XXXX card XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX card XXXX
Consumer complaint received 2021-04-20
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY (PA)

I have an account with TD Retail Card Services for a Raymour and Flanigan Store purchase. I made all my payments, one payment I made early, the card company applied this separate payment to the principal on the card and refuses to apply it as a payment because it was early. I literally paid this company early and they reported it to my credit as being late because of they way it was applied. I have tried disputing this, and calling them, I even had a representative agree that this was wrong but they could do nothing about it. I believe the reason for this was because it was an interest free credit purchase, so if they can call it late and apply my payment like this the terms are no longer interest free and they can start charging me fees on top of the interest. I need help, I want my payment applied correctly as a PAYMENT and not principal only and this removed from my three credit reports. A company should not be allowed to do this to consumer 's. Also, I requested that the company close my account, and they still have not closed it and reported as closed to the credit bureaus. I even submitted a dispute and they denied reporting as closed. I need help getting this company to do the right thing. I have bank records as proof of this payment and email proof of my request to close this account.
Consumer complaint received 2021-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

1I have been trying to resolve a matter with the credit bureaus about some issues on my report. On my report there are 7 accounts that are past the 7 years stats they are as listed. 

XXXX XXXX XXXX XXXX Co {$96.00} XXXX XXXX Co {$310.00} XXXX XXXX Co {$140.00} XXXX XXXX Co {$630.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are on all three credit Bureaus. I want them remove
Consumer complaint received 2021-04-19
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: DISCOVER BANK (MD)

On XX/XX/XXXX, I placed an order on XXXX in the amount of {$120.00}. 

On XX/XX/XXXX, the tracking information showed that the delivery was signed for by XXXX XXXX, and documents obtained from the post office confirm that. This individual is not an authorized recipient for the intended delivery address, and the handwritten delivery address under the signature is substantially different than the delivery address that was provided to XXXX. ( See attachment-1 ) On XX/XX/XXXX, documents provided by XXXX supporting the validity of the charge confirm that the package was improperly re-routed to an incorrect address, and that it was signed for by XXXX XXXX ( See attachment-2 ) Because my original dispute was on the grounds that the item was not delivered, I believe that these two documents are sufficient proof that the package was not delivered to the intended recipient.
Consumer complaint received 2024-09-10
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. (MD)

The deletion or suspension of accounts stemming from a data breach or unauthorized inquiries is governed by the FCRA Section 605B, which addresses the blocking of information resulting from fraud or data breaches [ 15 U.S.C. 1681c-2 ], as well as the FCRA Section 604, which outlines permissible purposes of consumer reports [ 15 U.S.C. 1681b ].

I am writing to formally dispute the accounts referenced in my consumer credit report, which have arisen due to data breaches or fraud. I kindly request verifiable evidence containing my signature or electronic signature. This letter represents my personal request, and I urge careful consideration. These actions were undertaken without proper validation or original documentation from the reporting companies, constituting a violation of my consumer rights under the Fair Credit Reporting Act, specifically Section 605B [ 15 U.S.C. 1681c-2 ] and Section 604 [ 15 U.S.C. 1681b ].

Your agency is in violation!

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 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 the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I recently sent a dispute letter to XXXX  and XXXX XXXXn XX/XX/2021, now it's XX/XX/XXXX and I have still not received any investigation results from either of the three Bureaus. The reason I'm filing this complaint against them is that Federal Law requires them to respond within 30 days yet they have failed to respond. earlier to comply with these Federal Regulations by credit reporting agencies are investigated by the Federal Trade Commission.
Consumer complaint received 2021-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have been disputing this account with Transunion for a year now. Every time it comes back as date updated. I have wasted an entire year never getting any results. 
Last payment was made on XX/XX/2019. 
It also says 30 days late on XX/XX/2019 and XX/XX/2019. How can this be? This is in violation, please remove from my credit report. 
XXXX  has already removed this negative tradeline due to errors.
Consumer complaint received 2021-04-19
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (IL)

We paid are lease off and paid the buyout for the vehicle and have called several times so we can get the odometer statement and tax document for il so we can get the title each time they said they will both fax them and mail them and I still have recieved nothing
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MA)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-04-19
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)

I received a copy of my credit repot and noticed multiple fraudulent charges. few years ago while driving working on the road I misplaced my wallet.these accounts are stopping me from obtaining credit.
Consumer complaint received 2021-04-20
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (TX)

after submitting complaint - i have noticed that i was given a XXXX monetary relief - that does not take care of all the other charges still leaving my account negative. this is not right .... overdraft charges of over XXXX and all i get is XXXX relief after banking with wells fargo for over 5 years - and i have tried to make arrangements with bank with no success. several phone calls - and emails and no success.
Consumer complaint received 2021-04-19
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: CITIBANK, N.A. (CA)

I ordered on XX/XX/2021 a patio door at Home Depot in XXXX California and I paid {$1900.00} Dlls. 

Company has not installed the patio door yet and I have been calling the company several times without success. I went three times to the store and the Manager told me that the patio door was re order. 
I went again to the store because they never call me again and I have been waiting for long time. The other employee XXXX XXXX check the status of my order and told me that in their system shows that never was re order. 
I need my money credit back because I have been paying with interest something that I do not have it.