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

Late payments were due to other causes beyond my control. I opened a new credit card account XXXX XXXX XXXX in XX/XX/XXXX. They forced me to merge this account with my existing XXXX XXXX XXXX account in XX/XX/XXXX and they deleted my autopay. I added bank account again on XX/XX/XXXX after the account merger was complete for setting up autopay. However, I was unable to set up autopay because of issues with XXXX online payment system. On XX/XX/XXXX, I realized that XXXX had reported my account to Credit Bureaus for missed payment, when the mistake was solely of XXXX. During the last three months, they have failed to communicate with me via email or text or phone about setting up payment on their faulty system, because of which I can not set up autopay. During the conversation on XX/XX/XXXX, XXXX financial customer service helped me set up the autopay, which I was unable to do so before. The payment was processed on XX/XX/XXXX and the account is current now. 

Required Resolution : remove late payment from my credit history as it was due to mistake from XXXX XXXX. 

Sincerely, XXXX XXXX.
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This is my other endeavor to tell 3 CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 


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
Consumer complaint received 2023-09-27
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

During the pandemic unfortunately I was robbed, and beaten until I was unconsciously. They stole my bag with all my belong such as Bank of America debit card, necklace, money and etc .... I filed a police report with XXXX XXXX case number ( XXXX. I found out they have also cleaned my account. They took all my money.
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please remove these items ASAP. Thank you, 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 XXXXXX/XX/XXXX
Consumer complaint received 2022-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I CHECKED MY CREDIT REPORT AND NOTICED INQUIRIES THAT DONT BELONG TO ME. I MAILED DOCUMENTS TO THE BURAEU 'S SEVERAL TIMES. THEY KEEP SAY IS FACTUAL. I TOLD THEM IT'S FRAUD AND THEY WANT REMOVE THEM.
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

TransUnion has two accounts using my social security number and personal private consumer information under a name that is not mine. It is inaccurate and has caused delays in my personal life and business. I have called and requested TransUnion to delete the inaccurate information but they persist to have two accounts one in my name XXXX XXXX XXXX XXXX and another in a different name as in a XXXX XXXX XXXX. I have not given permission for anyone to use my Estate Trust name for personal consumer reporting. I am the beneficiary of the XXXX XXXX XXXX XXXX XXXX XXXX registered in Wyoming jurisdiction and also in California and Nevada as Exempt Corporations. They have two sides of my social security number under multiple names and I have called multiple times and ask for them to delete the inaccurate information according to 15 U.S.C. 1681a and 15 USC 6801. They have slandered and discredited my name and reputation. I have spoken to several of their employees and their response is that they can not verify me, as they report inaccurate information using my private social security number and birthdate. Please delete that second account that contradicts my name XXXX XXXX XXXX XXXX and not any Aka or also known as or former names this is damning. The two accounts have created multiple lawsuits against my property in another persons name and the attachments show I'm not a party to the matters none the less the attempts were made due to the inaccurate information recorded and It appears that TransUnion got this information and made it consumer public record by way of XXXX XXXX XXXX whom filed the fraudulent company 's with malicious intent.
Consumer complaint received 2022-01-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (CT)

XX/XX/2022 ( or XX/XX/2022 per Barclay 's ) - called to request a check for the credit balance on file of roughly {$2800.00} +/- and was told it would be processed after five days due to a payment that had just been made and to allow 7-10 days after that. Then XX/XX/2022 ( or XX/XX/2022 per Barclay 's ) - called to inquire about the check for the credit balance, now at {$2600.00}, and they said it had not been processed and again to allow 7-10 business days to receive it. And now on XX/XX/2022 - called to inquire about the check for the credit balance, now at {$2500.00}, and again it had not been processed and to allow 7-10 business days again for receipt. 
I closed the account and was assured by a manager that the check is now being processed, after 42 minutes on the phone call. This is unacceptable!!
Consumer complaint received 2023-11-04
Product: Vehicle loan or lease — Loan
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: TRUIST FINANCIAL CORPORATION (AZ)

XX/XX/XXXX - Car loan was paid off in full to Truist Bank XX/XX/XXXX - Loan was transferred to XXXX XXXX ( according to bank ) XX/XX/XXXX- Not having received my title, I tried accessing my account and discovered I could no longer access. I then called the bank to inquire about when I was going to receive my title, and was told they would create a case number and to check back in a week. XXXX weeks later, I called back and was told they were still working on it and they provided a case # and to call back in a week. 

XX/XX/XXXX - I received an Affidavit By XXXX  XXXX XXXX from Truist Bank, signed by the bank and witnessed by a Notary Public, confirming the lien was satisfied. I called the bank to ask about the title and they told me the process was stuck at Arizona Department of Motor Vehicles but to call back in 14 days. 

XX/XX/XXXX - I called the bank to ask status of the title and they assured me someone was working on it and to call back. I tried getting a contact name so I could call directly. They provided a first name, but could not give me the last name because of policy. They also told me they had no direct numbers to the people I had worked with before. 

XX/XX/XXXX - Called bank to get status, they advised it was still stuck at AZ DMV, told me to call back on XX/XX/XXXX. 

XX/XX/XXXX - Called back to get status, bank advised they were still working on it. I requested to speak to a supervisor. They gave me a the supervisors first name and told me they would call back. The supervisor called me back but the call dropped and I was not able to talk to her. She left me a voice mail, explaining they opened a new case number and that I should call back within XXXX days. By coincidence, I checked my mail and found another notarized document from XXXX, dated XX/XX/XXXX. This time it was entitled, XXXX XXXX Texas XXXX XXXX, but the vehicle description was wrong, the XXXX had an extra digit, the title number was different, preparer was different. I called the bank back to tell them about the XXXX conflicting Affidavits, and advised I wanted to file a complaint the story Im getting is inconsistent. They told me that they would file a complaint for me ( another case number ). 

Ive never made a late payment and paid my loan in full. I learned that I should be receiving my title XXXX days after loan is paid off and its been almost 6 months and I still dont have it. Im going to file another complaint with XXXX also because I feel this is wrong and am worried I may never get my title.
Consumer complaint received 2023-09-04
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. (LA)

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 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 2023-11-04
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. (CA)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2023-03-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FirstPoint Collection Resources (MD)

I contacted this company in the month of XXXX. I spoke with one of the debt agents regarding the debt that appeared on my credit report just this year. I asked if she could send the information regarding the debt through mail and she stated that they cant send any letters through mail or email regarding the debt and I would not be receiving a letter.
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (LA)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : 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
Consumer complaint received 2023-01-05
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. (FL)

This is XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts will be updated or corrected immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-31
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. (CA)

I went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. XXXX XXXX XXXX {$900.00} XXXX XXXX {$460.00} XXXX/XXXX XXXX {$420.00} XXXX XXXX XXXX {$11000.00} XXXX  XXXX XXXX XXXX {$140.00} XXXX XXXX {$500.00} XXXX XXXX XXXX {$28000.00} XXXX XXXX XXXX XXXX XXXX {$3300.00} XXXX XXXX {$900.00}
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : 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
Consumer complaint received 2023-06-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP (CA)

I am writing to express my deep dissatisfaction with the service and lack of information provided by US Bank and travel insurance department regarding my recent claim for flight ticket reimbursement. I believe that the handling of my case was highly unprofessional and did not meet the expected standards of customer service. 

On XX/XX/2023, I made a payment of {$690.00} for flight tickets scheduled for an XX/XX/XXXX trip to XXXX XXXX. Unfortunately, on XX/XX/XXXX, my child fell ill and developed a fever. Realizing that we would be unable to travel, I promptly contacted US Bank customer service on the same day to inquire about travel insurance coverage. Regrettably, I was transferred multiple times, and none of the representatives I spoke to were able to provide clear information regarding the policy or the necessary steps for filing a claim. After enduring this frustrating experience for two hours, I reluctantly gave up. 

As my child 's condition did not improve by XX/XX/XXXX, we were unable to make the trip, resulting in the cancellation of our tickets. Determined to pursue my claim, I made another attempt to contact your travel insurance department and was eventually transferred to a phone number associated with Visa. However, all I reached was a message box, where I left a detailed message explaining my situation. 

On XX/XX/2023, I missed a call from the visa insurance company. Upon returning the call, I encountered the same message box and received no call back despite leaving my contact information. Frustrated by the lack of response, I took it upon myself to follow up on my case after a week had passed. It was only then that I managed to find a link online to file my claim. However, my claim was subsequently denied due to the absence of a doctor 's statement. 

While I understand that my claim was denied in accordance with the policy, I fail to comprehend why US Bank and the travel insurance department failed to provide clear information regarding the policy for over ten days. It is disheartening to see that your institution denied a customer 's claim based on a seemingly undisclosed policy. As a loyal customer, I expected transparency and prompt assistance in understanding the terms and conditions of the insurance coverage. 

I kindly request a thorough investigation into this matter and a reconsideration of my claim based on the circumstances outlined above. Additionally, I urge us bank to review your customer service protocols and ensure that the representatives possess the necessary knowledge and resources to handle inquiries related to travel insurance. It is imperative that customers feel supported and informed when seeking assistance in situations like mine.
Consumer complaint received 2018-04-16
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)

Experian has reluctantly failed to remove what appears on a credit report as the following : XXXX XXXX XXXX XXXX, first, this item was for the recipient, not the payee, second, it is a violation of law to expose this information on credit reports, due to the information given in the report, someone who is not familiar with procedure in NY, may misinterpret the information and use it incorrectly for example, applying for employment. 

A party named XXXX at your firm was reluctant to give his full name, I want an investigation at XXXX as to why I can not obtain employee ID potentially in case of pending litigation? 

The order was a court order XXXX, if it is not removed due to privacy, I will be forced to open a case in a high court that will hear the case or to seek assistance with our Attorney General in NY. 

Please have XXXX telephone the originator of the complaint immediately.
Consumer complaint received 2020-05-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (CA)

I have been paying on my student loans for over 20 years. I have been a full time XXXX   for over 20 years. After being denied consideration for the Public Loan Forgiveness Program by fedloan servicing, I applied for the TEPLFP on XX/XX/XXXX. In XX/XX/XXXX, I was denied based on having XX/XX/XXXX qualifying payments. I reapplied in XX/XX/XXXX and was told by a representative of fedloan serving that I should definitely qualify. Today, I received an email from fedloan servicing that I do not qualify for TEPLFP because they have changed their qualificationsfrom 12 qualifying payments to 120 qualifying payments ( same as PLFP ). I had applied for a program, and I feel they should honor the terms of the program I applies for. I have never been delinquent on my student loans for the entire time I've had them, which is over 20 years. My payments are currently {$760.00} per month. I have gotten my hopes up for student loan relief numerous times just to find out that I don't qualify base on some small detail or because the qualifications suddenly changed.
Consumer complaint received 2018-04-16
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. (NY)

XXXX has reluctantly failed to remove what appears on a credit report as the following : XXXX XXXX XXXX XXXX first, this item was for the recipient, not the payee, second, it is a violation of law to expose this information on credit reports, due to the information given in the report, someone who is not familiar with procedure in NY, may misinterpret the information and use it incorrectly for example, applying for employment.

A party named XXXX at your firm was reluctant to give his full name, I want an investigation at XXXX as to why I can not obtain employee ID potentially in case of pending litigation?

The order was a court order XXXX, if it is not removed due to privacy, I will be forced to open a case in a high court that will hear the case or to seek assistance with our Attorney General in NY.

Please have XXXX telephone the originator of the complaint immediately.
Consumer complaint received 2018-04-16
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC (VA)

On XX/XX/2017 I was approved, online for a {$500.00} loan. The interest on the loan is 650.4843 % I have already made 8 payments with a total INTEREST charge of {$1100.00} I did make one additional principal payment of {$100.00} on the loan when I saw that the balance of the loan had not been reduced any. I live in the state of Virginia and have learned that this company is violating usury laws of Virginia where the maximum interest rate on such a loan is limited to 12 %
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NV)

I filed my first complaint to XXXX XXXX Department on XX/XX/XXXXXXXX  ( complaint number # XXXX ) listing all inaccurate personal information, inaccurate account information. ( an inaccurate credit report was sent to me still displaying the wrong information/ inaccurate account information, also some information that I never gave my permission to be given out to other entities. 
I filed my second complaint on XX/XX/XXXX ( sent registered mail ( omb # XXXX ) listing all inaccurate personal information, inaccurate account information. I never received any resolutions in response to my complaints. ( My current credit report currently is being published with inaccurate personal as well as multiply inaccurate account information.