davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Recently, I did an investigation on my credit report and found an Inquiry on there to be inaccurate. Under 15 U.S. Code 1681e ( B ) Accuracy of report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverified information ( A ) In general if, any reinvestigation under paragraph ( 1 ) of information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified by the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation and ( ii ) promptly notify the furnisher of that information and the information has been modified or deleted from the file of the consumer. Please removed the following item from my credit report, immediately INQUIRY XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-09-11
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. (PA)

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 XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-09-11
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)

My name is XXXX XXXX and I'm not filing this claim in the 3rd person. I am a living woman who's privacy rights have been violated. The accounts listed below have reporting to my personal reports and has had a negative affect on my life extremely reducing the ability obtain any credit in my name. 

Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : Sure, heres the list with all the credit bureau names removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have asked these companies to validate and send proof that these accounts belong to me with contracts I signed in wet signatures. So far, they have not done this.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2020-04-24
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: Santander Consumer USA Holdings Inc. (TX)

On several occasions I have filed a dispute with XXXX. I am afraid this company is too large to actually do a thorough and fair investigation. Credit reporting bureaus like XXXX  claim they are here to help consumers with their credit reports by offering various services, while the company has proven to exploit our information to hackers and do lack luster investigations that seem biased in favor of the debt collector. 

I have filed a claim with XXXX  over an auto loan with Santander from XXXX. The problem with this auto loan is that I got behind on my payments due to multiple set backs. The first set back in which Santander USA was fully aware of was be being wrongly terminated and actively engaged in a discrimination lawsuit against a previous employer. 

Then Hurricane Harvey hit XXXX, Texas in XXXX affecting my residence and vehicle. FEMA inspector determined my vehicle to have damage, and scheduled an appointment with a mechanic to estimate repair costs. Although I made Santander aware of this, they still chose to reposess the vehicle before the 90 period that they claimed we had before a vehicle was reposessed. What type of company would prey on a Natural Disaster Victim and Discrimination Victim. 

XXXX  removed Santander from my credit report after their investigation. But after 3 attempts to dispute it on XXXX  they have yet to remove it and refuse to acknowledge XXXX  investigation making their investigation negligent. 

XXXX  caused all my data to be breached after i trusted their services, and yet they cant even give me an honest removal of Santander from my credit report. I am eventually going to seek legal guidance if this isnt resolved. This crooked scam system they have going needs to be thoroughly investigated.
Consumer complaint received 2020-04-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (CA)

In the beginning of XXXX between XXXX and XXXX, I sent payment to my XXXX Mastercard using XXXX bill pay. Then when I received a notification that my payment was late I checked my account and noticed my payment went into an old store credit card for XXXX XXXX use only. I did not owe anything on that the XXXX store  card. I called the credit card services to fix the payment and asked why it was processed that way, and they let me know it was a glitch and they would adjust it. I received a statement from them with the comments that it was adjusted, however, they still charged me a XXXX   dollar late fee. Again, the following months when I would pay my XXXX mastercard, the payment would keep going to the old XXXX credit card. The representatives said they would said a letter to the credit bureau and let them know that it was an error and it would not affect my credit. Months later it continued to happen and I started getting collection calls in XXXX. I asked the company for the statements that would proved to me that I swiped a XXXX store  card and the date I " spent '' the {$200.00} dollars they claim I owed them and I would pay it with no hesitation. What I got from the company was that the they could not get me the statements. When I tried to log into my account to retrieve them, the statements had to be requested via email so they were no longer available online. I kept explaining to them that this is fraud and that I do not have a XXXX store card, that I only have a XXXX mastercard which I always pay on time. They told me they would look into it, but i kept getting different collectors calling me about paying this amount. This is fraud and I would like for it to be investigated. I do not owe XXXX/XXXX any amount of money. My account is with XXXX Mastercard. No where on the statements I was able to locate did it show that I used the card for a purchase.
Consumer complaint received 2019-02-06
Product: Mortgage — Conventional home mortgage
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Shellpoint Partners, LLC (FL)

I have been trying to get my Mortgage company starts reporting my payment history to all credit bureaus for a long time. I was told to send in a letter stating that I want them to start reporting to all credit bureaus, I did that on XX/XX/XXXX. Prior to that I have been calling and asking them. I didn't think I have to do that. My loan was sold to them on XX/XX/XXXX. When my old mortgage company closed due to a new company, my score dropped XXXX points. I did not ask for this sale but it happened. I have been calling to see why they have not reported. I was told they did but they have not. I do not like getting the runaround. I received a call from one of the managers for two days ago, I was told that I have to call all credit bureaus to do an investigation, only XXXX  did that and not the other two. I was told that my mortgage have to start reporting because they have no record of this account. When I apply for something I tell they I pay a Mortgage and it is not on my credit report, They think that I am lying. I think a business should conduct themselves as a respectable business when this type of situation happens. I did not ask for this sale anyway. Why do I have to suffer because of them not reporting? If they are reporting, why any of the bureaus have this information. That is pretty strange. Please start reporting my payment history. Please and thank you.
Consumer complaint received 2020-04-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I normally make payments on time but missed one payment on XX/XX/2020 due to the COVID-19 situation. I called Capital One and asked that the Late Fee of {$25.00} be removed from my account due to the circumstances and that normally I make payments on time. I was told that the Late Fee will be taken off my balance but I would have to pay an extra {$20.00} due to an increased balance. None of the reps. could explain exactly how they calculated this extra {$20.00} other than to say that my balance increased resulting in this extra amount needing to be paid. In addition, the reps. told me if this extra {$20.00} is not paid by the due date, I will incur another late fee, despite the fact that I just enrolled in a Special Assistance Program to waive Late Fees. Conveniently for Capital One, this Program doesn't take effect for 1-2 billing cycles. These are nefarious business practices. Capital One has found a way to recoup their Late Fee by tacking on an extra {$20.00} fee but claiming that they remove the Late Fee from your balance.
Consumer complaint received 2020-04-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: PNC Bank N.A. (PA)

I had {$200.00} deposited in a XXXX XXXX savings from my tax refund. However every time I try to link it to my pnc bank account, pnc sends me a code, I enter the code, and I get a msg saying XXXX XXXX is having trouble with pnc allowing customers to connect their accounts.

I called pnc XX/XX/20, she said make sure you are signed up for online banking and to try after XXXX. Still doesn't work.
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 — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I noticed that I have an account on my credit which is not the original creditor. Also this company is in many violations under law code 15 U.S Code 1681. 

Date : XX/XX/19 Two amounts showing inaccurate {$6700.00} {$6800.00}
Consumer complaint received 2020-04-25
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: Experian Information Solutions Inc. (PA)

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint and contacted the police department and obtained a police report # XXXX following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX, XXXX
Consumer complaint received 2024-10-05
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: U.S. BANCORP (CA)

U.S Bank has taking my money without a trace. I had total of {$280.00} and I did made some purchases some charges being charged all late and over time i check my account is at XXXX and I have not made any additional purchases. It goes days that i dont check my bank account it goes from XXXX to XXXX to XXXX without me noticing. I want a resoulution and get my funds back. I had to take my money out of bank because of the suspicious money of mine disappearing and things are not adding up
Consumer complaint received 2024-10-04
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (CO)

Ive asked to send my letter for the claim for the 2020 incident Ive been asking them to resend it since XXXX and they just keep telling me they sent it and it willl take XXXX  days! I wont be able to file the complaint if they keep doing this I believe there is a deadline!
Consumer complaint received 2024-10-03
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (CA)

Subject : Dispute Regarding Interest Charges on account To whom it may concern, I hope this email finds you well. I am writing to formally dispute the interest charges applied to my Zales XXXX Credit Card account, Account # XXXX, for the billing period of XX/XX/XXXX to XX/XX/XXXX. 

Upon reviewing my account statement, I noticed an unexpected interest charge of {$850.00} that was applied on XX/XX/XXXX. I believe this charge in incorrect for the following reasons : 1. I have consistently made timely payments in the amount of {$250.00} and adhered to the agreed-upon terms of my account. I have 2 plans which consist of the first XXXX with the amount of {$3000.00} ( Expiring XX/XX/XXXX ) and the second plan {$1200.00} ( Expiring XX/XX/XXXX ). I have set-up monthly payment of {$250.00} which is more than the minimum required payment. 
2. I have made recent purchase plan last XX/XX/XXXX ( second plan ) with the amount of {$1200.00} that should be expiring in 12 months. They have set-up their own payment allocation without my consent. They have allocated my monthly payment of {$250.00} mostly on the new purchase which was originally allocated on the first plan. 
3. I have called customer care to dispute the charge and even spoke to Supervisor XXXX  ( ID # XXXX ) about the issue but refused to reverse the charge even though I mentioned that will be reported to consumer bureau. 

Given this information, I kindly ask for a thorough review of my account & the removal of the interest charge in question. Please provide me with a written response outlining the conclusion of your investigation. 

I appreciate your prompt attention to this matter and look forward to resolving it soon. Feel free to contact me at ( XXXX ) XXXX or email me at XXXX if you need further information. 

Thank you for your assistance. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Meridian Financial Services, Inc. (NY)

I signed with XXXX XXXX in 2011. At the initial presentation, they make it so that you feel extremely pressured to stay there and eventually sign a contract with them. They dont let you leave to think about the purchase. They tell you once you leave, the offer is not valid. They make you feel like you have to make a decision right then and there without any kind of time to think. I truthfully thought I understood all of the terms because I was going based off of what the representative was stating. Originally, they told me they were taking my old timeshare as part of the new contract, however, that did not happen. The maintenance fees have also continuously increase and that was never presented to me, which would have been necessary in order for me to make a wise financial decision. I feel completely lied to and I know this was absolutely misrepresented to me. I have reached out for over a year in regard to all of these circumstances and have been blatantly ignored. Now instead of assisting me with my already previous concerns, they gave my account an additional two companies- XXXX  and Meridian Financial Services . Both of which have ruined my credit rating. Meridian Financial Services is NOT an attorneys office, it is an office who is trying to receive money from me. I have never signed a contract with Meridian Financial,  nor XXXX for that matter. I have requested the original contract to be sent showing that I never gave authorization to Meridian nor XXXX to obtain my information. I had sent a cease and desist letter to both companies and still was contacted afterwards.
Consumer complaint received 2024-10-04
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Confusing or missing disclosures — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

XXXX XXXX XXXX XXXX and XXXX XXXX XXXX several time to complete the my insurance claim and I have been unsuccessful and I am at a lost because I have not received an itemized list and cost of the repairs as to the cost to repair my home and I am at a disadvantage because I not able to occupied my home or rent my home out and I am continuing to pay my mortgage and I am not able to afford to do the repairs.
Consumer complaint received 2020-04-25
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. (PA)

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint and contacted the police department and obtained a police report # XXXX following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX, XXXX
Consumer complaint received 2024-10-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I'm not sure exact date but I have tried many times to get my bank to return the money to me but they haven't responded. I even have a police detective working on the case. Trying to help me with this cryptoscam. I transferred around {$75000.00} worth of my money to this person that scammed me. It's all in attachment.
Consumer complaint received 2020-04-23
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: FREEDOM FINANCIAL NETWORK (VA)

I engaged with Freedom Debt Relief in XX/XX/XXXX, which was the due date of my first monthly deposit of {$220.00}. It is now XXXX XXXX, 18 months later. 
I was told that this amount was sufficient to begin negotiation with the five credit card companies that I turned over. No worries about legal notices as they would have their legal representatives, which I was paying per month and did not realize, handle any suits. 
My impression was that they would contact each creditor, explain that I was making an effort to pay the debt by submitting {$220.00}. per month and they would make arrangements with these companies. 
In the 18 months I only received XXXX call regarding a settlement offer, which was to XXXX  XXXX XXXX. I agreed to the settlement not realizing that they would be paying them more per month than what I was submitting. My second big mistake. 
In XX/XX/XXXX, I received the first of two XXXX. I called to find out if they were in negotiations with either of these companies. " Of course. We will represent you in XXXX. '' Well, I called the companies and neither of them had ever spoken with Freedom. The largest of the two had just received information from Freedom the day before I called, XX/XX/XXXX. I called Freedom back and the response " They all say that. '' On XX/XX/XXXX the legal representatives for Freedom contacted me to let me know if I still wanted them to represent me in court I would need to pay XXXX XXXX+ more to Freedom. I have been living on {$100.00} per month for the last 18 months so have no idea where that extra monthly would come from. They had no alternative but to stop representation. 
My total debt in XX/XX/XXXX was {$14000.00}. The total submitted in 18 months- {$6500.00}. The settlement with XXXX  XXXX XXXX was {$3000.00}. Where did the difference of {$3500.00} go? 
Today I contacted both law offices handling the two suits to discuss my options. One with a total of XXXX+ agreed to settle the account for {$3000.00}. The other with a total of $ XXXX+ agree to settle for {$3800.00}. Just what has Freedom been doing for 18 months? 
I have until XX/XX/XXXX to settle these accounts. 
Freedom has not done their due diligence nor have they ever been helpful. Going into this I had excellent credit and only went this route to try and stay out of court. Now my credit is in the dumps and I'm looking at having 5 accounts in court, the possibility of loosing my house and automobile if I can not find assistance from family. The legal representatives even suggested bankruptcy, which isn't possible as the court would require me to sell my house. 
I am going to try to make these settlements on my own but am holding Freedom accountable to me for the same amount.