davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-17
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have sent investigation and dispute letters on the following dates : XX/XX/XXXX, and XX/XX/XXXX Not only have they not performed any investigation into these items like I requested, but they have not sent me any investigation results by mail. This is a DIRECT VIOLATION OF MY RIGHTS! I have tried to be nice, and respectful, but the bureaus have ignored my requests to investigate these accounts that are reporting incorrect information on my credit reports. The following items should be removed from reporting to my file immediately because they have not investigated them in the time allowed by the FCRA laws.
Consumer complaint received 2021-06-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (VA)

On XX/XX/2021 I filed an dispute with Chime Bank ( Claim # XXXX ) about an unauthorized charge that was done with my Checking account for {$3300.00} from XXXX XXXX XXXX. I had a total of {$820.00} in my checking account when this took place and over {$2300.00} in my savings account when this took place. This unauthorized purchase but my checking account in - {$2500.00} dollars balance so I was unable to pay any of my bills, ( rent, car note, utilities, cell phone, etc ). Not only was I Not awarded a procredit during the entire investigation, but I wasn't giving an answer of determination until XX/XX/2021, I wasn't explain why my claim was denied, I had no assist to the money in my savings account, and after emailing and calling numerous of times when giving the denial verdict on XX/XX/2021 i received an email stating ym account would be closed in 10 Days. So i called Customer service and asked why would my account be closed and they insured me it was an mistake and it wouldn't be closed, then in 10 Days my accounts was closed. I no longer have assist to it and I never received or know what happen to the money in my savings account. This was the worst experience i ever had with a bank and was handled very unprofessional. I got behind on all of bills and was almost evicted out of apartment due to Banking with Chime.
Consumer complaint received 2021-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Onity Group Inc. (GA)

I LOOKED AT MY CREDIT REPORT TODAY, AND XXXX SHOWS FROM THE MORTGAGE COMPANY, PHH MY LAST PAYMENT WAS MADE ON XX/XX/2021 WHEN IN FACT THE LAST PAYMENT OF {$1900.00} WAS MADE ON XX/XX/2021. THE DATE OF THE UPDATE ON TRANSUNION IS XX/XX/2021. PLEASE HAVE PHH UPDATE ALL CREDIT REPORTS TO REFLECT MY XXXX  PAYMENT.
Consumer complaint received 2021-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

I am submitting a complaint against Experian to the CFPB due to their failure to adequately respond to my dispute attempts regarding inaccurate items on my credit report. On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I submitted disputes to Experian using their Document Upload Form, requesting an investigation into the inaccuracies. Additionally, I disputed incorrect personal information listed on my credit report. 

Despite my repeated attempts to dispute these inaccuracies, I have not received any response from Experian regarding the investigation results. This lack of response is a direct violation of my rights under the Fair Credit Reporting Act. 

Under the FCRA, credit bureaus like Experian are required to conduct a reasonable reinvestigation when a consumer disputes the completeness or accuracy of any information in their file. Experian 's failure to respond and conduct a reasonable investigation upon receipt of my disputes demonstrates their disregard for their obligations under the FCRA.
Consumer complaint received 2021-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

Corrected wrong account with XXXX Monday XXXX XXXX XXXX Paid XX/XX/XXXX not reflected. Tell me 30 days while I am held XXXX with a credit score of XXXX 2 Learn more XXXX Data XX/XX/2021 XXXX XXXX XXXX and debt to income wrong. XXXX sent a alleged repaired report which was NOT and still wrong and all three continue to have outdated and wrong information they provide to third parties and you the CFPB do nothing! Meanwhile held XXXX because updating not real time impacting our ability to borrow and causing usurious rates.
Consumer complaint received 2021-06-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION (CT)

In XXXX and XXXX I set up a payment transaction from Peoples United Bank checking account as I have for years to pay for a car loan installment and to pay IRS for taxes I owed. The bank did not put both transactions through. It could have resulted in late fee and negative report to the credit bureau. The IRS payment never went through and resulted in fact that the tax I owed was not paid by the due date. This was the banks error. Could have been deliberate, nobody knows. Both companies did not receive payment that was set up online.
Consumer complaint received 2021-06-17
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2021-06-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: United PanAm Financial Corp. (PA)

I purchased a used truck that was financed through a loan company United Auto Credit, the dealership is XXXX XXXX XXXX XXXX XXXX XXXX XXXX. After purchasing the vehicle I sent my first payment on time as per our contract. About 10 days later I began receiving calls from the dealership saying that I missed my payment and that they were repossessing my truck. I called the bank and they said that the money order was damaged and they could not cash it, so I told them I had the receipt and would apply for a refund and forward it to the loan company, which I completed. Now I received a letter from the PA DOT that my check bounced and my plate and or license will be suspended on XXXX XXXX if check is not made good. Rewind, the check the dealership submitted to Pen dot was only given to hold the truck from being sold to someone else according to XXXX  at the dealership, but after the mix-up with the money order, the dealership claimed right to repossess the vehicle because of a contract with loan company that if missed my first payment, they get to repossess the vehicle in question. I called the bank and they told me about the money order mishap and that the dealership had no right to repossess the vehicle. So fast forward and the dealership gets angry and alters the check to match the fees for title, plate and taxes and submits the check to Penn dot even though the loan company said that these fees were included in the Auto loan contract originally but this is where we stand today without the ability to freely drive the vehicle I purchased.
Consumer complaint received 2021-06-17
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: TRUIST FINANCIAL CORPORATION (VA)

I feel that BB & T intentionally applies debits to my account before they apply my credits. I was told when I call that there pending charges for today ( XX/XX/21 ) would be processed at XXXX XXXX XXXX but my paychecks which are also scheduled to be applied to my loan overnight tonight would not be applied until after XXXX. In my opinion this causes consumers to be hit with overdraft fees. I noticed today that my automatic payments have already been applied as pending charges this morning and my account is overdrawn. Those charges are not scheduled to come out until overnight tonight when my check is scheduled to go through. I called the bank and I was told that they would apply my check first and then debits and there would not be fees. The next breath I was told there could be fees applied. I do not feel that their customer service representatives are clear on how automatic deposits are handled on Thursday evenings in connection with how debits are applied on Thursday evenings. The only way to prevent {$140.00} worth of overdraft fees is to come up with {$340.00} before XXXX.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I have conducted a thorough UCC-11 '' search with the Texas secretary of state UCC Filing office, which has revealed that there are no, such as " no record of such a secured transaction exists under my name, '' " the debt has been satisfied as per filing number XXXX dated XX/XX/XXXX, '' or " the secured transaction was erroneously reported under my name ''. The accounts in question are -XXXX  XXXX - Account Number : # XXXX - Reported Balance : {$8900.00} -XXXX XXXX XXXX XXXXAccount Number : XXXX. 
Reported balance : {$780.00} XXXXXXXX XXXX XXXX -Account Number : # XXXX Reported Balance : {$3000.00} Despite Numerous written requests, the unverified items still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly. You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. By the Fair Credit Reporting Act these Creditors have Violated my rights under Title 15 U.S.C 1681 602 States I have Right to Privacy Title 15 U.S.C Section 604 ( a ) Section 2, it also States a Consumer Reporting Agency can not Furnish an Account without my Written Instructions Under Title 15 U.S.C 1666 ( b ) ( a ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2015-07-08
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC. (GA)

I am a victim of identity theft and now I have over XXXX inquiries on my credit report.Equifax violated my security freeze and released my credit information to companies that requested it. There should have been controls in place to prevent Equifax from aiding the identity thief into having my credit ran over XXXX times. I have disputed this with Equifax several times and they have taken the stance that its too much work for them and they are taking no action. They have not bothered to investigate the nature of my dispute. This is having detrimental damage to my credit score. They refer me back to the creditor and the creditor refers me back to Equifax. Equifax released the information and they need to fix this.
Consumer complaint received 2021-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (TX)

XX/XX/2020 I filed a partial bankruptcy on XX/XX/2020 it was dismissed. I have contacted XXXX and XXXX and XXXX. Requested that they validate where they are getting this information from and delete it off my credit. This was a public record which was dismissed and never given to them by the courts. I havent sent multiple letters asking for the item to be deleted from my credit only for them to continue to keep it on my credit. I can not move forward for my children sake with something on my credit that should not be..Please HELP!!!
Consumer complaint received 2023-07-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (TX)

It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late.
Consumer complaint received 2021-06-17
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nelnet, Inc. (TX)

Firstmark has stated to me in various calls and letters that they now own one of my student loans. I have requested debt verification on XX/XX/2021 via certified mail. The company has failed to verify the debt with me and has now made my account delinquent on my credit report.
Consumer complaint received 2021-06-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY (NY)

In 2020, upon receiving a points incentive XXXX XXXX points XXXX to renew my American Express Platinum card for a {$550.00} annual fee, I agreed to renew my card for another year. 

This year, I tried to cancel the card but American Express told me I would have to return the points given last year if I cancelled it. The reason given is that the condition of receiving the points was that if I were to cancel before the year was up, I had to return the points - the representative calculated that because I agreed to renew the card on XX/XX/XXXX, I had to cancel my card on XX/XX/XXXX in order to not have to return the points. HOWEVER, I was told that I have to cancel my card PRIOR to XX/XX/XXXX, i.e. by XX/XX/XXXX, in order NOT to be charged the {$550.00} annual fee, as that was the deadline I had to cancel the card and not be charged for the annual fee. So this difference of ONE DAY, due to some kind of technicality in calculating the days, is making me unable to cancel my card without the penalty of having to return the XXXX points I was given for renewal ( and I've already spent the points ) and I think this is unconscionable and a way of forcing card holders to keep renewing a card that they no longer wish to renew.
Consumer complaint received 2021-06-17
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. (NJ)

HELLO, I WOULD LIKE TO INQUIRE ON A MAJOR ISSUE I AM CURRENT EXPERIENCING AT THE MOMENT WITH TRYING TO RECTIFY INACCURATE, INCOMPLETE AND DEROGATORY INFORMATION REGARDING CERTAIN NEGATIVE ITEMS ( ACCOUNTS ), STILL REPORTING ON MY CREDIT REPORT. I HAVE BEEN ATTEMPTING TO CORRECT THE IMPERFECTIONS ON MY CREDIT REPORT MORE OR LESS AROUND XXXX OF 2019. NEITHER OF THE THREE CREDIT BUREAUS HAVE PERFORMED A FULLY ANALYZED INVESTIGATION, ALL OF THE COLLECTION ACCOUNTS ON MY CREDIT REPORT DO NOT PERTAIN TO ME AND I AM NOT LIABLE FOR ANY DEBT WHAT SO EVER. PLEASE HELP MY INVESTIGATE THE REASON WHY THE NEGATIVE HISTORY IS STILL REFLECTING. XXXX XXXX WAS NEVER REMOVED OFF OF NEITHER CREDIT BUREAUS, WHEN I STRICTLY ADVISED THEM THAT I AM NOT LIABLE FOR ANY DEBT WITH THEM, THE NEGATIVE HISTORY IS COMPLETELY INACCURATE. XXXX XXXX IS ANOTHER ACCOUNT THAT I AM NOT AWARE OF EITHER. PLEASE ASSIST ME WITH THIS MATTER, I'D GREATLY APPRECIATE IT.
Consumer complaint received 2021-06-17
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. (NJ)

HELLO, I WOULD LIKE TO INQUIRE ON A MAJOR ISSUE I AM CURRENT EXPERIENCING AT THE MOMENT WITH TRYING TO RECTIFY INACCURATE, INCOMPLETE AND DEROGATORY INFORMATION REGARDING CERTAIN NEGATIVE ITEMS ( ACCOUNTS ), STILL REPORTING ON MY CREDIT REPORT. I HAVE BEEN ATTEMPTING TO CORRECT THE IMPERFECTIONS ON MY CREDIT REPORT MORE OR LESS AROUND XXXX OF 2019. NEITHER OF THE THREE CREDIT BUREAUS HAVE PERFORMED A FULLY ANALYZED INVESTIGATION, ALL OF THE COLLECTION ACCOUNTS ON MY CREDIT REPORT DO NOT PERTAIN TO ME AND I AM NOT LIABLE FOR ANY DEBT WHAT SO EVER. PLEASE HELP MY INVESTIGATE THE REASON WHY THE NEGATIVE HISTORY IS STILL REFLECTING. XXXX XXXX WAS NEVER REMOVED OFF OF NEITHER CREDIT BUREAUS, WHEN I STRICTLY ADVISED THEM THAT I AM NOT LIABLE FOR ANY DEBT WITH THEM, THE NEGATIVE HISTORY IS COMPLETELY INACCURATE. XXXX XXXX IS ANOTHER ACCOUNT THAT I AM NOT AWARE OF EITHER. PLEASE ASSIST ME WITH THIS MATTER, I'D GREATLY APPRECIATE IT.
Consumer complaint received 2021-06-17
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. (MI)

15 USC 1681b and 12 CFR 1022.3h 6 accounts I did not give consent to have attached to me please delete them it's a XXXX dollar violation for each one
Consumer complaint received 2021-06-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: PNC Bank N.A. (IL)

On or about XX/XX/2021 a representative for said bank established left a voice message to the tune of XXXX when clearly parted with XXXX on my account name. I keep complaint and the representative never returns my calls. I want it to be clear my name on the count and parted check read XXXX not XXXX and when that little representative reaches out to me needs to respect that. In addition if I choose which is my choice and they must agree to my choice to return to said bank establish it is whatever my valid if represents and I tell what name should be on my account still remember ing what's on my state valid. And said bank needs to put back the require minimum deposit to open said establish bank that said establish bank had no other reason to close the account other than my bum man like appearances. Be sure they force the said establish bank close. 
.and said bank established need not correspond to my houston XXXX Texas ADDRESS any further It doesn't exists.
Consumer complaint received 2021-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

Equifax changed my first and middle name without a request from me or my permission. I have never changed my name nor do I use aliases. They had a data breach in 2017 which appears to have resulted in mixing my file with another consumer 's file. I first found out when I had to pay a double deposit to rent an apartment, something I've never had to do. Following this, I requested a copy of my credit report that included this other consumer 's SSN, date of birth and first name. His debt with XXXX XXXX still presently shows on my Equifax credit profile for {$250.00}. I confirmed the debt belongs to this person with both XXXX XXXX aka Spectrum XXXX my current cable/internet provider ) and the collection agency holding the debt, XXXX. XXXX confirmed the debt showing and the name are from Alabama, a place I've never lived. I've called Equifax on more than 40 occasions to correct their records without any assistance and repeatedly refusing me information about when the changes occurred and how. They've also told me a creditor can change my bureau information without my consent, which I think shouldn't be allowed, especially since they refuse to disclose who did it and when. On my last call with them, one of their agents confirmed having a copy of my SSN card and and TX license on file since 2017 but refusing to use them to correct my name in their system. The debt in this person 's name has resulted in higher interest rates and paying more for credit. They've also not correctly handled the disputes for the erroneous debt showing on my credit. Whenever XXXX attempts to correct the information, they encounter the name issue and assume accuracy. I'm at my wits end. Equifax is the only bureau showing my name this way. Consequently, my score with Equifax is 20 points lower than all other bureaus.
Consumer complaint received 2021-06-17
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: BARCLAYS BANK DELAWARE (CA)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.