davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-09
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2023 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2023-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-25
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (TX)

XX/XX/2020 - {$920.00} -Temporary Credit of Accounts Negative Balance AS of The Day Prior to Deposit of A Stimulus Payment XX/XX/2020 - {$920.00} - Reversal of Temporary Credit Provided for Negative Balance Prior to Stimulus Payment Originally they credited me for the amount being XXXX day before the stimulus payment. Then 60 days later recharged me that amount. Which caused my account to become so overdrawn I could no longer have a checking account. 

Contacted Wells Fargo attempted on multiple occasions, asked if they could help me with that amount if I paid it in full. Gave no credit and I had to pay the balance in full in order to have a checking account again. It had since been paid in full on XX/XX/2020 and remaining balance on XX/XX/2020 During that time with my account being over drawn at a large amount I was continually charged over draft fees in the amount of XXXX dollars on XXXX XX/XX/2020, XX/XX/2020, and XX/XX/2020 for XXXX dollars each time.
Consumer complaint received 2023-01-25
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. (CA)

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXXXXXX XXXX Balance : {$5800.00}
Consumer complaint received 2023-01-25
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (GA)

I was involved in XXXX data breach and requested that multiple inquiries be removed from my account. XXXX placed a statement on my account within 24 hours and stated the investigation was completed and all inquiries belong to me. There is no way they investigated XXXX inquiries in less than a day. according to the FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items MUST be removed. I was unable to speak with anyone regarding my dispute because of the security freeze on my profile. Despite providing the correct information, I could not access anything online or via telephone.
Consumer complaint received 2023-01-25
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: ALLY FINANCIAL INC. (MD)

ALLY FINANCIAL is reporting my transactions and experiences specifically a late payment that they have posted on my consumer report. 

this company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Consumer complaint received 2022-04-29
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. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2018-10-12
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. (NC)

In XX/XX/2018 I mailed a dispute to Trans Union regarding XXXX account with a balance of {$320.00} that I never owned. I contacted XXXX, and they confirmed that there was no debt with my name within their records. I am requesting that Trans Union does their job accurately confirm this debt doesn't belong to me and that that bureau remove this debt from my credit report.
Consumer complaint received 2023-08-09
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. (TN)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : US DEPT ED Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-12-27
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. (FL)

On XX/XX/2020 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX  data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2023-08-09
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)

On XX/XX/2023 I sent in a request for an investigation into some information being reported on my consumer report. These accounts violate Title 15 USC 1681b Accuracy and fairness of credit reporting. XXXX XXXX XXXX - XXXX XXXX GA - XXXX XXXX, XXXX XXXX XXXX XXXX These accounts have never been verified by conducting a fair investigation. I never received any documentation regarding where these accounts originated. I have given you multiple opportunities to correct these matters, now I am once again requesting your organization to obey the FCRA and perform a intense investigation.
Consumer complaint received 2023-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

each time I send a dispute letter to the credit bureaus they either dont reply or they send back a letter stating they couldn't find me. Even though I provide my full name, address, and SSN #.
Consumer complaint received 2023-02-20
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: BARCLAYS BANK DELAWARE (FL)

I received an envelope in the mail, showing that a savings account was opened in my name. The letter has my name and address and shows an active account in my name, however, I have NEVER done any business with Barclays. 

I did not open this account. 

I did not request to open this account.
Consumer complaint received 2023-08-09
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. (MD)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2019-11-22
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company (NH)

I sent a written request on XX/XX/XXXX to Freedom Mortgage to please provide the payoff, the Freedom Mortgage website confirmed three days to provide the payoff with the email confirming receipt of the request received on XX/XX/XXXX. I followed up on Wednesday XX/XX/XXXX and called today, confirming that it should be completed on Monday XX/XX/XXXX. The closing is being delayed due to the lack of the required documentation. I resent all outstanding notice of errors and requests for information XX/XX/XXXX and still have not received a response on those documents that state a response is provided within 30 days with many resent twice since the original request and it is years later. 

Request for Information Request Date XX/XX/XXXX resent XX/XX/XXXX & XX/XX/XXXX XX/XX/XXXX resent XX/XX/XXXX & XX/XX/XXXX XX/XX/XXXX resent XX/XX/XXXX & XX/XX/XXXX XX/XX/XXXX resent XX/XX/XXXX & XX/XX/XXXX XX/XX/XXXX resent XX/XX/XXXX & XX/XX/XXXX Notice of Error Request Date XX/XX/XXXX & XX/XX/XXXX XX/XX/XXXX resent XX/XX/XXXX & XX/XX/XXXX XX/XX/XXXX resent XX/XX/XXXX & XX/XX/XXXX XX/XX/XXXX XXXX & support resent XX/XX/XXXX & XX/XX/XXXX XX/XX/XXXX resent XX/XX/XXXX & XX/XX/XXXX XX/XX/XXXX resent XX/XX/XXXX & XX/XX/XXXX XX/XX/XXXX resent XX/XX/XXXX & XX/XX/XXXX XX/XX/XXXX XXXX & support resent XX/XX/XXXX & XX/XX/XXXX
Consumer complaint received 2023-08-09
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)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX ; Inquiry : XXXX XXXX Inquiry Date XX/XX/2023
Consumer complaint received 2024-04-20
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A. (PA)

I had been paying on a deferred-interest balance at 0 % interest that was set to expire on XX/XX/2024. As of my XX/XX/XXXX statement, I had a balance of {$970.00} due by XX/XX/XXXX in order to avoid interest of 19.99 %. 
On XX/XX/XXXX, I initiated a deferred-interest offer for 0.99 % interest. 
On XX/XX/XXXX, I made a payment of {$500.00}. The minimum payment due was {$20.00}. 
On XX/XX/XXXX, I made a payment of {$520.00}. The minimum payment due was {$27.00}. 
The credit card company applied most of these payments to the new deferred-interest offer. I meant to pay off the XXXX expiration offer and put a {$45.00} payment toward the new offer. 
It is hard for me to track all this using just their statements, because they make absolutely no sense to me, so I have my own records to track these expenses. 
On XX/XX/2024, I looked at my XX/XX/XXXX credit card statement to verify that the XXXX expiration offer was paid in full and much to my surprise, it wasn't. I looked on their website for information and found information regarding reallocation of payments. It said to chat with their XXXX XXXX so I interacted with their XXXX XXXX and got nowhere. I tried again the next day and managed to chat with a person. She tried so hard to help me but the system did not allow her to reallocate the payments nor remove the interest. She gave me the customer service phone number because she couldn't help and explained that they would be able to help me. 
I immediately called and spoke with a customer service representative and she couldn't do anything for me either. She explained that the system is programmed for application of payments and that there is nothing to be done. She also told me that I needed to make a payment of {$450.00} in order to pay the 0 % offer in full because now it is 19.99 % and it is the offer with the higher interest and payments will be applied to it first. 
However, they are not in full compliance with the Credit Card Act. This rule stipulates, among other things, that in the two billing cycles before a deferred-interest offer expires, the issuer must apply any amount paid over the minimum payment to the deferred-interest balance first to pay it off so that interest is not charged. That didn't happen with this company. 
The credit card company is Citi XXXX XXXX.
Consumer complaint received 2023-06-29
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. (OH)

I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Consumer complaint received 2023-01-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I have disputed the accounts below on at least 3 occasions via certified mail. On each occasion I asked that the credit reporting agencies show me the methods used to verify the information as accurate. I also have the right to request that they produce the original contract from the original merchant with my wet signature. This is a crutial step in authenticating the debts. By law a collection agency that is authorized to collect on a debt must possess the original contract from the original merchant, with my wet signature in the debt verification process, under the FCRA 609/611 provisions. If said contract can not be produced, I may take legal action against the collection company, which may result in compensation to me, under 15 US code 1681 I. As a credit reporting agency, it is their duty to ensure the credit reporting laws are upheld. Once again, I need Transunion to provide me with the original contract and their methods of verifying the debt as accurate. 

XXXX XXXX XXXX XXXX .... 

XXXX XXXX XXXX XXXX .... 

XXXX XXXX XXXX .... 

XXXX XXXX XXXX
Consumer complaint received 2023-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NY)

To, EQUIFAX. I never applied for these accounts, Pleas delete these inquiries. 
XXXX XXXX XXXX. XX/XX/2022 XXXX XXXX. XXXX XXXX XX/XX/2022 XXXX XXXX XXXX. XX/XX/2022 THANK YOU.
Consumer complaint received 2015-12-08
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting — 
Company: NATIONSTAR MORTGAGE LLC (CA)

To whom it may concern, I am to receive A XXXX time {$5000.00} XXXX XXXX credit on my 6 year anniversary date which was 2 months ago. XXXX transferred my loan in XXXX 2015 to Nationstar. XXXX had me submit all the appropriate paperwork to them in regard to the incentive payment. Nationstar told me I would be getting the {$5000.00} in XXXX 2015. 
No credit has been given by Nationstar to date. They do n't seem to be able to tell me anything but they are still researching this matter. I cant seem to get anywhere and I 'm very frustrated. They place me on hold for an hour every time I call and it is a waste of time.
Consumer complaint received 2023-06-29
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: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MN)

Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the Equifax breach Identity theft. My information was also impacted by the Equifax data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.
Consumer complaint received 2024-04-20
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Upgrade, Inc. (SD)

Due date is the XXXX of month. loan on autopay. they pull funds 2-3 days BEFORE the due date when on automatic payments. excuse is oh its the weekend. XXXX due date is a MONDAY yet they still pulled the funds the XXXX. UDAAP issue
Consumer complaint received 2024-04-20
Product: Prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc. (OR)

Purchased card and discovered after purchased it had been used. There were no obvious signs of use. Called company to report the fraudulent use of their card. They have done nothing to make us whole despite numerous attempts to work with them.