davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-17
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. (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 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 2023-08-17
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. (CA)

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 2018-04-26
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: EQUIFAX, INC. (FL)

For over a year I have been trying to get XXXX XXXX XXXX XXXX ( XXXX ) to report my car loan to Equifax. I was having problems getting a resolution with the main customer service center and I was then referred to the Office of the President to have my issue resolved. My issue was then resolved back in XX/XX/2018. Equifax has been experiencing security breeches so I constantly stay abreast of my report. I noticed once again that my car loan through XXXX XXXX XXXX XXXX ( XXXX  ) was removed again. I called to get it resolved and was told to get a copy of my report directly from Equifax to confirm. I called Equifax and they confirmed it is not on my report and I also received my report from them which was 83 pages. Indeed it is not on my report. I was told by XXXX to send a copy of the report so they can verify that it is not there. I did not feel comfortable sending my report and asked for another way. I was told there is no other way. This seems unreasonable. If they have a direct contact with Equifax I'd rather them utilize it rather than harassing me for my credit report. This is keeping my score from increasing. I keep getting bounced from person to person at XXXX and even though I ask for a supervisor I dont get one. I was only able to leave a message one time for a supervisor and that person never called me back.
Consumer complaint received 2023-08-17
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Lloyd & McDaniel, PLC (AR)

I got a call from Lloyd and McDaniel I believe in XXXX from a very rude guy name XXXX regarding some alleged debt with a credit card from XXXX XXXX. He wasnt able to prove to me that I owe this debt by proving an original contract or anything showing this debt was mine. He proceeds to tell me that he sent a wage garnishment to my employer which was an old employer and all this was sent without my knowledge. I wasnt concerned being that I didnt work with the company he said he sent he garnishment too and I didnt owe this debt. XXXX then says thats fine and he continues to push and tell me that I needed to pay {$350.00} on this debt or my wages would be garnished with my new employer. I state to him I dont owe anything why would I pay. He goes on and on saying what will happen so me I give in without knowing my rights and made this payment of {$350.00} to avoid my wages being garnished while I dispute the account with XXXX XXXX being that this isnt my debt. Even though I made that payment in XXXX, Lloyd and McDaniel still sent a wage garnishment to my new employer and my wages are being garnished. I feel that this was very wrong of them and they have gotten over on me and no telling how many other people they are lying too in order to collect money. They need to be stopped.
Consumer complaint received 2023-08-17
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: Experian Information Solutions 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 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 2022-09-22
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. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. No doubt the inclusion of this inaccurate information is a mistake on your part. The other credit reporting agencies found inaccuracies with the information listed updated without incident. You, however, seem to claim you've verified the accuracy of the information. I'm very confused. Can you please let me know how you verified this information? What methods you used, who you talked with at the company, and what day and time you talked to this person? All this information is needed for a case I'm building against all parties who are damaging my credit XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : $ XXXX Late Date XX/XX/XXXX, XXXX XXXXXXXX Date OpenedXXXX Balance : {$0.00} Late/Closed Late Date XXXX, XXXX XXXX Date XXXX Balance : $ XXXX Late Date XX/XX/XXXX
Consumer complaint received 2023-03-01
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Metacorp LLC (MO)

Yesterday myself and my family and friends recieved calls from this debt collector. In the messages left they said they were medicorp which associates with XXXX. Once i called they made me verify information before telling me they do not collect medical but they are collect from a loan. At this point i am embarrassed and upset that they tried to lie and that they contacted random people in my life
Consumer complaint received 2023-08-07
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: DHI Mortgage Company (OR)

On Friday XXXX, I asked my loan officer XXXX XXXX XXXX from DHI Mortgage to give me an updated quote for interest as the rates had gone down from that morning at which she refused to do so. Interest rates have now risen and I was blocked from being able to lock in at the lower rate. This was the second time that she refused to allow me to lock in a rate. The first time was when I asked for the rate to be locked on XXXX which she declined to do. Because of this, she is going to cost me XXXX  more in closing costs as well as monthly payments.
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/XXXX, I mailed a dispute letter to Transunion disputing the completeness and accuracy of accounts on my credit report. I recently received a response from Transunion that was issued by them in XX/XX/XXXX that they received my dispute but they would not process it because they are assuming it is from a 3rd party. I'm not sure why they think that as I am trying to fix my own credit and these inaccuracies are harming my ability to obtain credit. I am demanding that XXXX do its job and conduct a proper investigation on the accounts I am trying to dispute. I have attached the letters along with my Driver 's license and proof of address.
Consumer complaint received 2024-04-22
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FISERV INC. (CA)

Filed today XX/XX/XXXX Transaction id for the disputes XXXX XX/XX/XXXX and the XXXX was the transaction for XXXX  and XXXX XXXX XXXX XXXX XXXX XXXX California XXXX XXXX XXXX is the card number The merchants name is XXXX  Please give me my temporary credit this is crazy what happened i didnt authorize these something happened
Consumer complaint received 2023-08-17
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. (LA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-08-17
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. (WI)

I am writing to lodge a formal complaint against XXXX XXXX XXXX for their consistent and egregious violation of my consumer protection rights. Their disconcerting pattern of presenting resolutions and subsequently failing to enforce them has severely undermined my confidence in their ethical conduct and commitment to regulatory compliance. 

Issue at Hand Account Details : Principal Name on the Account : XXXX XXXX Severe Impact on Credit Profile : The gravity of the situation can not be overstated. XXXX XXXX 's repeated negligence and disregard for my consumer protection rights have directly contributed to a precipitous decline in my credit profile. What was once a stable credit score of XXXX has plummeted below XXXX due to their actions. This adverse impact compromises my financial standing and casts doubt on XXXX XXXX 's commitment to consumer rights and regulatory adherence. 

Pattern of Broken Promises and Credit Consequences : Throughout this ordeal, XXXX XXXX 's pattern of proposing resolutions, only to renege on their commitments, has inflicted irreparable harm. This sequence of events has not only revealed negligence but has also underscored the severity of their inability to fulfill their obligations, resulting in the compromised state of my credit profile. 

Possible Violations Potential Violation of Fair Credit Reporting Act ( FCRA ) : The sustained presence of erroneous and detrimental data on my credit profile, despite their proposed resolutions, could constitute a violation of FCRA Section 623 ( a ) ( 8 ), which mandates the prompt correction or removal of inaccurate information from consumer reports.

Potential Violation of Consumer Financial Protection Act ( CFPA ) : The persistent pattern of proposing resolutions without subsequent enforcement, combined with negligence in upholding cease and desist orders, might constitute a violation of CFPA Section 1036, which prohibits practices that are deceptive, unfair, or abusive.
Consumer complaint received 2022-12-20
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (TX)

Turned off auto pay with various vendors but continued to be assessed overdraft fees to the point that the account was closed. Some items with low dollar amounts were declined for payment but other items with substantial amounts were covered and assessed the overdraft charge.
Consumer complaint received 2023-02-15
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: MOHELA (AL)

I am in the public service loan forgiveness program and my loan was transferred to Mohela and they are taking over XXXX to process documents. I have contacted cutomer service repeatedly with no help. Something needs to be done. I am at XXXX payments with the forebarence months that they put me in due to covid as I was in repayment. I can not get to proccess the paperwork to send to the XXXX XXXX XXXX  department. Please help.
Consumer complaint received 2023-01-30
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: Bread Financial Holdings, Inc. (NY)

I was working with a credit coach in order to pay off my credit card bills and to increase my credit score. My credit coach informed me that although my XXXX XXXX credit card is paid off something is reporting on XXXX which is affecting my credit score. 

XXXX XXXX account paid off and it seems as if a balance is still reporting on XXXX which is impacting my credit score.
Consumer complaint received 2024-04-01
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. (PA)

My name is XXXX XXXX XXXX and this personal statement is being written by me. By the Fair Credit Reporting Act ( FCRA ), the accounts listed in this report should not be furnished on my reports. According to FCRA section 604F, prohibits a person/company from using or obtaining a comsumer report unless the consumer uses the report, and it is obtained for a purpose for which the consumer report is authorized to be furnished. FCRA section 1681-S states, that a company/person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing the information is inaccurate. Lastly, 15 USC 1681-4 consumer report agencies have to resume having a vital role in assembling and reevaluating consumer credit periods there is a major need to ensure that reporting agencies exercise their grave responsibility with respect for the consumers right to privacy. I demand the removal of these accounts : XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-23
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: Bread Financial Holdings, Inc. (CA)

Comenity Bank XXXX XXXX processed a hard inquiry on my credit report on XXXX XXXX. This was done without my knowledge, permission, or consent. When asked for the reason of the inquiry, they stated it was for " account assessment ''. They refuse to remove the hard inquiry from my account, despite the fact that this was done without any reason, and for no purpose. Again, this was done without my permission and consent.
Consumer complaint received 2021-03-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (MD)

I opened a account with ( XXXX ) XXXX XXXX ( Original creditor ) back in XX/XX/16. I was told my bill by sales rep that my bill would be would be {$160.00}. per month give or take a dollar. Got my first bill which was over {$400.00}. Went back to store spoke with the same guy and he stated its high due to being prorated, so I paid him cash. I asked if my next bill would be what he originally quoted he stated yes. So I get the next bill and it was even higher. Went back to the store and was told he was no longer there I tried many times to resolve this issue and wanted to return the 2 phones and was told that they could not do that. Paid my bill and left. I tried to get the main MGR on the phone and was repeatedly told he was in a meeting. I went to an actual XXXX store in XXXX, MD and was told that they could only help if I brought the plan through them and that the store I dealt with was a franchise and would have to deal with them. I closed my account on or about XX/XX/16. Checked my credit a few months later and saw that they put it on as a collection. Every time I get this resolved it pops back up again.The 2nd one is Jefferson Capitol Systems was the next, then now its XXXX XXXX XXXX XXXX. 
It keeps getting sold and sold and I have explained it till I was blue in the face. I cant seem to win. I have only the above ( Jefferson Capitol on my credit but I am sure XXXX will pop up soon.. I am trying to get this removed but to no avail. Jefferson keeps stating that they are the original creditor and restarting the battle all over. Any help is appreciated.
Consumer complaint received 2024-04-01
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. (IL)

I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.
Consumer complaint received 2023-08-17
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. (SC)

Dear Sir/Madam, I hope this letter finds you well. I am writing to request the removal of certain inquiries from my credit report. I have recently reviewed my credit report, and I noticed several inquiries that do not reflect my current credit activity accurately. I kindly request your assistance in deleting these inquiries from my credit report for good. 
Below, I have provided the necessary details regarding the inquiries that I would like to be removed : 1. Inquiry Dates : [ XX/XX/XXXX ] [ XX/XX/XXXX ] [ XX/XX/XXXX [ XX/XX/XXXX ] [ XX/XX/XXXX ] [ XX/XX/XXXX ] [ XX/XX/XXXX ] 1 understand that inquiries may remain on my credit report for a certain period of time, typically two years. However, I believe these inquiries were made without my consent or knowledge. Therefore, I kindly request that you investigate the legitimacy of these inquiries and remove them from my credit report permanently. 
As a responsible and diligent consumer, I have always strived to maintain a good credit history, and inaccurate inquiries can have a negative impact on my creditworthiness. I have attached copies of supporting documents, such as bank statements or correspondence, to prove that I did not authorize these inquiries. 
1 kindly ask you to initiate an investigation into these inquiries and take the necessary steps to ensure their deletion from my credit report. Additionally, I request tha provide me with a written confirmation once the inquiries have been removed. 
Please note that according to the Fair Credit Reporting Act ( FCRA ), it is your responsibility as a credit bureau to ensure the accuracy and fairness of the information contained in credit reports. I appreciate your attention to this matter and your commitment to upholding the FCRA guidelines. 
1 would like to express my gratitude for your prompt attention to this matter. If you require any additional information or documentation, please do not hesitate to contact me at the phone number or email address provided above. I look forward to a swift resolution of this issue. 
Thank you for your cooperation. 
Sincerely, [ XXXX XXXX ]
Consumer complaint received 2023-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Upstart Holdings, Inc. (NC)

Final payment on loan with automatic payments was never taken and I was unaware that there was a remainder left on the loan and it went delinquent Auto payments were made on time in amount of {$830.00} for entire term of loan Remainder amount of {$72.00} was never drafted from my account or added to last payment
Consumer complaint received 2021-03-18
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. (AZ)

I received an email alert from the credit bureaus reflecting that my credit score had dramatically decreased due to an account status change on my XXXX credit card. 
to my astonishment my credit report was suddenly reflecting 30 day late payment history for 5 months in a row. I sent XXXX a certified letter on XX/XX/XXXX to request that they investigate the situation. I was told that my payments were considered late when I was enrolled in a workout program the year prior. I was offered to enroll in this program to reduce the monthly minimum payments for of 5 months to stay on track I was diligent in adhering to my agreement and always paid all my payments on time since my credit card was opened back in XXXX. .I was never informed or provided with any type of notice or disclosure concerning this matter. this is simply unfair business practices. I have requested that XXXX remove the late payment history as a courtesy and they declined. 
there needs to be accountability with creditors. consumers are being damaged by their actions. I affirm I was never late on my payments so my account history should be adjusted to reflect on time payments.
Consumer complaint received 2023-08-17
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. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.