davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-26
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. (IN)

All Credit Bureau reporting companies including Transunion, XXXX and XXXX are not doing the public fair service. They make up false statements about a persons ability to pay back the unsecured loans. The Banks offer all kinds of credit when you dont have anything borrowed and then squeeze the door shut and blame it on the Credit Unions. If you know anything about the Mortgage Backed Securities fraud during XX/XX/XXXX-XX/XX/XXXX Financial crisis the CREDIT AGENCIES FALSLEY RATED THESE SECURITIES. So the same thing is happening to consumers and I want an thourogh investigation into this practice. XXXX XXXX XXXX is responsible for some of my anger and have opened up an investigation of their own underwriting practices # XXXX where I tell them that I have a $ XXXX/ month income with a current Credit Card debt with payments of approxiamately $ XXXX/ Month and when asking for a credit limit they come back with false excuses on how they can not even temporialy raise my credit limit. 

This in itself is FRAUDULENT and UNETHICAL. 

Please call them on my behalf.
Consumer complaint received 2021-02-16
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (AZ)

I entered a wire transfer online with CitiBank to transfer from my savings into an investment account with another institution. After 24 hours the wire was not processed and CitiBank sent me an email that they needed more information. I called and was on the phone with an agent for nearly an hour while she attempted to get the wire " authorized ''. She eventually said that it was now under review and would take 12 to 24 hours. I spoke to a supervisor and he also was unable to expedite or provide any explanation. After 24 hours ( 2 full business days later ) and still no further explanation or completion of the wire, and now into a weekend, I cancelled the wire online. The balance in my account now shows fully available online, however the CitiBank online site will not let me transfer my funds either into another CitiBank account of my own ( Checking ) nor through any other means. I have never had a financial institution hold a wire let alone take more than an hour to process, nor have I ever experienced blatantly holding funds and not releasing them without any explanation.
Consumer complaint received 2018-05-26
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. (MO)

I recently checked my credit report and found collections inwhich I do not have any knowledge of and since then been trying to remove such information. And in accordance with the FCRA, such accounts needs to be verified by physical documentation and if not then the accounts should be removed. The following accounts are XXXX XXXX XXXX, XXXX XXXX, 3xs on my XXXX, and XXXX XXXX
Consumer complaint received 2021-02-16
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: Block, Inc. (MD)

On XXXX XXXX my Cash app account was hacked and {$630.00} was stolen from me. I emailed cash app several times and on XX/XX/2021 cash app sent an email that this issue had been resolved and the $ XXXXwas credited back to my cash app account. Cash app credited this money to my old cash app account which was hacked. On XXXX XXXX I attempted to log into my cash app account and was unable to. I have sent cash app several emails asking for help to log into my account. Every representative that has responded back is not giving a resolution to the problem. I have asked Cash app to forward the credit to send the credit to my new cash app account or mail the credit to me in the form of a check.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (SC)

I attempted to obtain a car loan through my bank, however, they were unable to pull my credit file and states the Equifax score showed XXXX, and nothing was listed on my credit file. I was able to see my credit score on Myequifax however, I was also unable to obtain my credit report. I called Equifax and was informed by a representative that I needed to send in documentation ( SSN and Driver 's license ) with my request. It was never made clear what I was even requesting nor could the representative advise me what the request should say. After overnighting the documents to them, XXXX week later they still say that have not received the documentation. Although, I have verified everything possible regarding my account, they still are unable to provide any information or assistance. They have not even been able to tell me when this will be corrected. I was told it was an error in Equifax 's " back end system '' of which only a special team would be able to fix. However, it is effecting me, the consumer. This has to be illegal. Why are we using Equifax if their systems are this flawed? This is an inconvenience and still my situation has not been handled by Equifax. So, I nor my bank is able to pull my Equifax credit file.
Consumer complaint received 2018-05-26
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: Credit Karma (MA)

On XX/XX/XXXX I paid off my loan down to a zero balance. I repeatedly asked the CS rep was this all I owed, she double checked and said yes. Since then, I've been going back and forth with the XXXX XXXX XXXX XXXX about my credit report. The listed on my report that I owed {$1.00}, when in fact, it is paid off. I disputed it with all 3 credit bureaus, who then reported that it was in fact paid off according to XXXX, who informed me of the same thing. The very next month, the XXXX went back and posted that I owed {$1.00}. I disputed it again, and again the changes it to a XXXX   balance, but refuses to mark the account as paid off. Instead they have the " current status '' as in collections. It needs to read paid as a current status. My next step is to hire an attorney if you can not correct this. Thank you.
Consumer complaint received 2023-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I had a name change a decade ago, which I can provide documentation for - I have a court document. Before this time, I was able to take out student loans, and since then, I have been able to open a couple of chequing accounts.

However, one of the three credit unions believes that I don't exist, in that they will not provision a credit score to my financial institution during my current mortgage search process ( this being a first-time mortgage- if I could actually get one! ). None of them will verify my identity, so I can not receive my annual credit report.

So, I don't exist, and I can't take out a mortgage, or even get a credit card - and I work for a credit card company! Anything that shows up on my account for the past 10 years should be fraudulent, because I haven't even been able to use my credit for my own purposes. But I can't use my credit, and I can't even monitor my credit. 

Listen : I have the better part of a XXXX dollars in my XXXX, but I can't get a {$200.00} credit line on a credit card. 

Every couple of years, I try to resolve this, whether by contacting my financial institution for help or calling the credit agency 's call center directly. On my most recent attempt, in addition to things like phone calls, I was mailed an envelope with a security code. But because I lived in an area with significant flooding, the roads into my city were closed for several days around the time the code would have arrived. My code ended up arriving 14 days late- which is the duration of time the code would have been valid for. The same minute I retrieved it from my mail, I went to my desk to enter it, but it was too late. 

I don't know what else to do. I just want two things that every citizen deserves. I want my credit report, because I want to manage any fraudulent activity on my account. And I want to have a credit score - any credit score will do.
Consumer complaint received 2023-04-26
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: Experian Information Solutions Inc. (WV)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have submitted a dispute to the 3 credit companies threw XXXX XXXX. I was a victim of identity theft. I have addresses I was not associated with on my credit profile places of employment, collection accounts, and bank accounts all that were not associated with me. I have provided all the paper work and proper documentation and legal information pertaining to my situation and how its affected my credit from fraudulent. Once the disputes were all finalized the addresses and fraudulent accounts were removed and put my credit score to XXXX. XXXX and XXXX removed some of the fraudulent accounts but left some and etc. Im sending the proper dispute to have these items that were not related to me removed and COMPLETELY fixed this has ruined me financially.
Consumer complaint received 2023-04-26
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: EQUIFAX, INC. (NY)

I submitted several disputes about the same issue. I sent disputes XX/XX/2023, XX/XX/2023. I either receive no response or the error isnt fixed. This is so frustrating, theyre are violating my rights and reporting inaccurate and unverified information.
Consumer complaint received 2023-04-26
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: JPMORGAN CHASE & CO. (NC)

i was never late on my accounts i have dispute several time on these account and charge off account is reporting on me as well i have dispute these account several time
Consumer complaint received 2023-05-08
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. (PA)

In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 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 XXXX5 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than XXXX ( XXXX ) years. 15 USC 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 reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-04-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (OH)

I have a credit card account with Discover and I had deselected autopay in their app on the XXXX of XXXX of this year. The beginning of XXXX I am charged again, so I go back into the app to deselect autopay and find that I can not so I assume that I misremembered and logged in online through my browser. The option to unenroll from autopay displays in the browser so I deselect it and save changes and assume that everything is done. I truly believed I had misremembered due to stress. I had 8 years experience with being lied to and misdirected as of last year, I won't let anyone treat me like XXXX had ever again, and I spend 4 days ruminating about if I actually misremembered or was I remembering correctly. XXXX I am charged again, but this time I know I've unenrolled! I log into the app, no option to unenroll displays but instead a link to a help article and I am frustrated. I delete my financial institutions from the Discover app, and call customer service. The representative can only see when I've logged into the system, and dates are missing, and I request to have my call transfered to a tech dept or similar as the issue with autopay is not a user error and I need those funds back to file in court against the company that over-charged my Discover card! My call is disconnected after the person I am transferred to confirms my account and identity. I had been allowed a refund, which has posted to my account, but I know others who have had similar functionality issues with financial institution digital access portals, and do not trust Discover to take me seriously. Please help.
Consumer complaint received 2023-05-08
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

They have not included the following statement on my report. 
. 
XXXX XXXX/account number XXXX. 

They have misrepresented the facts. Only after complaint to CFPB have they been sending regularly the statements to keep me in the loop. This should not be a derogatory mark on my record.
Consumer complaint received 2021-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

To whom it may concern This is in regards to XXXX the who will be known as the " original creditor ''. The original creditor before transferring my loans to XXXX has five reporting accounts on my reporrt. These accounts a riddled with error and mistakes. Keep in mind that these account come from the same original creditor there are several mistake you will see in the documents that i have attached to this complaint Some of the errors or reporting an account with two different loan numbers that originally have two different loan amounts. Reporting no balance when this is one and reporting a {$0.00} balance when there isn't one. Also the High balance is incorrect with All three credit bureaus reporting different amount.

Lastly i am apart of a Class Action Law Suite where XXXX has pushed me into a bad loan repayment program and as a result of the pandemic i was unable to maintain payments. They marked me late and that reflected on my credit report before the loan was transferred to XXXX.
Consumer complaint received 2021-05-31
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Auto Now Financial Services, Inc., Phoenix, AZ Branch (AZ)

THIS IS NOT A DUPLICATE PLEASE TAKE THIS MATTER SERIOUS! Like to inform this is my second time disputing the inaccurate payment history reporting on my credit report, and the response that Customer Care Manager XXXX gave me Prove that they did a reckless investigation of this dispute nor fail to view my attached documents. I quote an important part of manager XXXX response which CFPB have documented, He SAID " XXXX account was reported in XX/XX/XXXX as a new loan from XXXX, and NOT that his first payment was due in XX/XX/XXXX. Our records accurately indicated XXXX first payment was due on XX/XX/XXXX ". 

I attached proof that XXXX credit report, indeed say I made a payment on XX/XX/XXXX. Which is a clear error on the Creditors AUTO NOW or XXXX CRA. As I repeat Manager said my first payment was due XX/XX/XXXX. That is a huge gap from XX/XX/XXXX to XX/XX/XXXX. 

I will attach the response of Manager XXXX from Auto Now & the account payment history of this matter. This is a clear violation under the FCRA this account is not accurate & also doing a reckless investigation of the XXXX CRA or Auto Now or BOTH. 

The Status Date on this account Report XX/XX/XXXX I recall disputing this account memoirs times on CFPB, Certified Mail To XXXX & Auto Now this tell me this account actually has never been disputed since it been closed which is a MAJOR violation. You can't verify this account as accurate with out actually updating the status date. so if every dispute I sent in about this account never really been investigate I will count that as a violation. which I attended to collect on.
Consumer complaint received 2021-05-31
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. (CA)

I xxxx xxxxxx the natural person who is currently of age of majority would like to validate the information listed above is accurate and herby would like to address several violations that have occurred between the creditor and Experian in violation 15 U. S. C 1681c Requirements relating to information contained in consumer reports States Information excluded from consumer reports except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : Fact, ( 1 ) Cases under title 11 of the United States Code or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years.

Facts, 15 U.S.C 1692c Communication in connection with debt collection ( a ) Communication with the consumer generally without the prior consent of the consumer given directly to the debt collector or the express permission pf a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of a debt- Fact, The Fair Debt Collection Practice was established to stop the abusive, deceptive and unfair debt collection practice by many debt collectors.

I the consumer demands the ceasing of communication as stated in 15 U.S.C 1692c ( 3 ) ( C ) with all parties involved and for the related information to be removed from my report due to Experian has willfully violated several of my rights I am requesting for all related information to be removed. 

I received a copy of my credit report and found the following item ( s ) to be in error : 1. The following information is outdated. I would like it removed from my credit history report Chapter XXXX Bankruptcy XXXX XXXX : xxxxxxxxxxx Please remove this inaccurate information from my credit report. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Consumer complaint received 2018-05-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (OH)

Ally XXXX I called XX/XX/XXXX to get a 2 month Deferral I changed jobs and it got us behind. Deferral was granted after paying 1 payment {$450.00} that day and speaking to XXXX XXXX ( the car is in XXXX name so they needed to speak with him ) I wanted to set up automatic payments but rep said I cant until the deferral is processed. Then a month later when logging on to pay my payment it said we were behind. This was XX/XX/XXXX spoke to 3 reps that morning one of which said he could fix the problem and just do a 2 month deferral now due to the mix up and began the process and then realized he would have to talk to XXXX due to the loan being in his name I tried several times to get him on the line and got disconnected then when I called back twice no one could help me. I had to go into work. Called back later that night with XXXX still XX/XX/XXXX and spoke to a supervisor XXXX # XXXX explained she said that there was only a 1 month extension I advised that was the problem it should have been 2 months per conversation XX/XX/XXXX. Advises I want the calls pulled and reviewed from XX/XX/XXXX and the morning of XX/XX/XXXX and I want this resolved. Was told will take a few days and that she ( XXXX XXXX will call me back XX/XX/XXXX and she will put a DNC on my account til resolved. She never called back and collection calls continued on account. XX/XX/XXXX called and was told no supervisor avail to talk to me will have someone call me. XX/XX/XXXX was on hold over an hour with no one coming on line to check on me then told that they have other people to talk to no supervisor can talk to me today will need to call back tomorrow. XX/XX/XXXX called and talked to XXXX XXXX who said that it is under investigation and that he cant do anything for me but will have XXXX call me back. Advised him that she had never called me back he said he cant do anything because she opened the complaint. XX/XX/XXXX no phone call from XXXX Did receive a message from someone couldnt make it out on recording called and was told that I have to speak with XXXX he is the one who called me but he isnt there now. Will tell him I called and have him call me tomorrow. XX/XX/XXXX rep again knows nothing, nothing noted on account and no one avail to talk to and will have XXXX call me at XXXX tomorrow morning. XX/XX/XXXX no call back. XX/XX/XXXX rep said that XXXX is not there asked what time he comes in rep said doesnt know she said she will check and see if he is there? Came back to line and said he is not avail not there until XXXX. Advised I have a job and work full time I need to speak to someone now that can handle this she put me on hold and came back and said that there isnt a supervisor to speak with they all have other calls to take. Advised thats ok I will be filing a complaint and calling an attorney tired of dealing with this