davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I received a copy of my Transunion credit report back in XXXX. I noticed 7 account credit inquiries that I did not authorize. I immediately contacted Transunion by mail to dispute those inquiries and to have my information corrected. Transunion replied saying they would be staying on my report and fall off after 2 years. I proceeded to call them and was told to contact the companies that ran my credit. I did so and I was advised to contact Transunion for removal. I called transunion again this week on Tuesday XX/XX/XXXX and was told I had to contact the companies and that they dont dispute inquiries. I was ignored and then told that the specific overseas agent I spoke to was limited on what he could do. I asked to speak to a supervisor and was transfered to a US agent who stated was a supervisor and that I would just have to wait the two year period for them to fall off. I again told him that I had never authorized those inquiries to which he replied there was nothing he could do and disconnected the call. I proceeded to contact XXXX XXXX the CEO at Transunion by email, informing him that his agents were refusing to submit a dispute or even attempt to help me get this information corrected on Tuesday XX/XX/XXXX, and as of today have not received a response. I have researched and tried different ways to get this corrected and as of today have yet to make any progress. It is disheartening that these credit reporting agencies dictate what they want to report and we as consumers are not able to do a thing about it.
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The distress stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history. I implore you to promptly rectify my account. It feels unjust to suffer the consequences of an error for which I am not responsible.
Consumer complaint received 2023-01-07
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. (OH)

I ordered a copy of my report on XX/XX/2022 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX / Experian / XXXX has not responded/replied/answered my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete its investigation within 30 days. Please check the payment history, date open, last activity, and Status of XXXX  XXXX Account XXXX I believe it was reported in error XXXX XXXX XXXX XXXX Balance : {$13000.00}
Consumer complaint received 2020-08-01
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: TD BANK US HOLDING COMPANY (TX)

I have a loan with NORDSTROMTD and XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, and XXXX  NORDSTROMTD and XXXX. with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2023-08-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My XXXX credit card payment was sent from my credit union with the incorrect credit card account information. Bank of America was unable to locate the payment and after almost 1 month returned the payment to my credit union as being unable to be applied. I immediately resent the payment with the correct account information ( note : this is even before my credit union credited the money back to my personal account ). 

Bank of America did credit back the late payment fee and some of the interest, however they did not credit back XXXX interest in the amount of {$20.00}. I have spoken to at least 5 different people regarding the issue and they say there system is not able to credit the {$20.00} back to my account and there is nothing that can be done. I have asked to speak to supervisor and have been told none are available, one stated she did not have the ability to credit the charges, I filed an internal BofA compliant and when I followed up was told that they have no record of a compliant being logged. 

It is a point of principle that I am fighting this charge. I paid my credit card statement on time but the money was not applied to my account ( but BofA had my money all this time ) yet they still charge my {$20.00} in interest since they can not get their system to reverse the charge. 

I have asked for supervisors to call be back but none have. I would like your assistance to get this matter resolved immediately. As trivial as this sounds, it is indicative of the way Big Business deals with the small individual... I need your help to get this resolved. 

Thank you. Please do not hesitate to contact me for further details.
Consumer complaint received 2023-08-22
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Paypal Holdings, Inc (WA)

In XXXX, I couldn't get into my account ( venmo ) the phone number had been changed. When getting ahold of an agent, I tried to change my number explained I didn't recognize the number but I could not, I only had a voip number. After about 2 weeks and a couple other numbers I still wasn't able to change it. I noticed a few instantant transfers, to a card I don't recognize. Made a dispute explained how they left my account compromised due to someone's number being on my account. I won the dispute, they asked me to verify my info, remove remembered devices which there were several, change password, send in ID with selfie, and my account would be restored next day. The next day I get a email saying my account has been deactivated, and frozen 180 days. After winning the dispute and telling me it would be available the next day.
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :
Consumer complaint received 2023-08-22
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. (TX)

I was trying to buy a new car and a new home I realized I have damages on my credit report. According to 15USC 1681 law there should not be any damages on my consumer report thats a defamation to my character. 

Account for XXXX XXXX XXXX Account # : XXXX Account for XXXX XXXX Account # : XXXX Account for XXXX XXXX Account # : XXXX Account for XXXX XXXX Account XXXX XXXX XXXX Account for XXXX Account # : XXXX
Consumer complaint received 2023-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC (CA)

Jefferson capital has failed to verify the debt that they claim I owe for fingerhut I am currently paying fingerhut directly for my account and do not believe to owe them nor do I have any type of contract with them. The credit bureau has not done a formal investigation into my dispute as they do not request proper verification.
Consumer complaint received 2023-08-22
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. (NY)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any of the following items on an id theft report. Here are the following items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX ; XXXX, XXXXXXXX XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$8800.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX  ) XXXX Balance : {$940.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$420.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$420.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1400.00} ; XXXX XXXX XXXX XXXX Balance : {$840.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$400.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$710.00} ; XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$8800.00} ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX  XXXX XX/XX/XXXX. 
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-08-22
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: Experian Information Solutions Inc. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed 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 XXXX
Consumer complaint received 2020-12-12
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CHARLES SCHWAB CORPORATION, THE (CA)

I believe I was the victim of false promises made by Charles Schwab and its partner XXXX Loans. If not willful, it was due to willful negligence. 
In summer of XXXX I wanted to refinance and replace a HELOC on my personal residence. I did a lot of research of many programs. At Charles Schwab on XX/XX/XXXX, I was referred to Mr. XXXX XXXX and he told me I could refinance my house and obtain a " piggyback '' HELOC for {>= $1,000,000} ( based on the equity in my house ) at very favorable terms ( 3 % APR, no fees ). Based on what he told me, I chose to refinance with Charles Schwab via their loan partner XXXX XXXX ; the loan closed XX/XX/XXXX. During the refi process, I repeatedly asked when I could discuss the piggyback HELOC and was told to wait until closing. Just prior to closing time I asked again and was told, for the fist time, that my refinance did not qualify for the piggyback HELOC, or for that matter any HELOC due to the type of my refi. No mention of this was made by Mr. XXXX and a Charles Schwab representative later acknowledged he did not properly inform me of the terms of the offer. 

I've attached an e-mail from Mr. XXXX where he informs me of details of the HELOC offerings but does not mention any restrictions and does not inform me that my refi type doesn't qualify me. I've also attached a copy of the Schwab web page where they describe their HELOC products with no mention of the restrictions that later prevented me from obtaining the piggyback HELOC.
Consumer complaint received 2023-08-22
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)

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 2023-08-22
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. (MD)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these ITEMS ( A ). It is not permissible to fail to validate these reporting ITEMS as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX DC XXXX XXXX XXXXXXXX Balance : {$13000.00} XXXX XXXXXXXX Balance : {$13000.00} XXXX XXXX ( Original Creditor : 01   XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$2500.00}
Consumer complaint received 2023-08-22
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: EQUIFAX, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed 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 XXXX
Consumer complaint received 2024-04-02
Product: Credit reporting 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. (NJ)

DEAR XXXX XXXX  XXXX This is to bring to your notice that my credit report shows an inquiry from your company, which I do not understand. As far as I know you are not permitted to inquire about any of my debt amounts without my authorization. 

The presence of such items on my credit report is likely to affect my credit worthiness and hamper my chances of acquiring new credit. Therefore, I request that you remove this inquiry from my credit report immediately. 

Please forward a written document stating that you have accepted my request. 

I am expecting an early response from you.
Consumer complaint received 2021-02-15
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. (FL)

This account reported by XXXX XXXX is involved in litigation I have not supplied proof under the doctrine of estoppel by silence. Engelhardt v. Gravens ( mo ) 281 SW 715, 719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.
Consumer complaint received 2018-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (CA)

I have made multiple calls from XX/XX/2018 and submitted documents and each time I've been told by a CSR that the incident is still under review, but that they will escalate this incident to a supervisor.

Federal Law requires that you provide mechanisms to ensure that each item in our report actually belong to us. In addition, we have provided you with additional documents and information shows differently. This information is, once again, included below. Therefore if the reported items are inaccurate, misleading or incomplete ; you may have violated the Federal Law.

Also, we requested this investigation on XX/XX/2018 and now it is almost 90days. This also violates the 60 days period to complete the inquiry. I expect you to conclude this investigation immediately. If you have any questions, please let me know.
Consumer complaint received 2023-08-22
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Grain Technology, Inc. (IL)

Account # XXXX XXXX XXXX XXXX Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to you today in hopes of resolving a critical issue I am currently facing with a financial institution, Grain. Their recent action, or rather lack thereof, has negatively impacted my financial profile, and I am finding it difficult to rectify this situation without your valuable assistance. 

Several months ago, I had a charge-off on my account with Grain. After numerous discussions and negotiations, we mutually agreed that upon receipt of my payment, they would delete this charge-off from my credit profiles. I promptly made the payment as agreed and was under the impression that this matter was resolved. 

However, I was recently made aware that this charge-off remains on my credit reports. Despite my numerous attempts to communicate with Grain and sort out this issue, I have been met with unresponsiveness and a lack of cooperation. This is causing significant strain on my personal finances and overall credit health, as the presence of the charge-off continues to negatively impact my credit score.

I kindly request the Consumer Financial Protection Bureau 's help in this matter. I am seeking your intervention to compel Grain to honor our agreement and remove the charge-off from my credit profiles. I have attached all relevant documents, including our agreement and proof of payment. 

I understand the Bureau 's commitment to ensuring fair treatment for consumers in the financial marketplace. As such, I am hopeful that with your intervention, this matter can be resolved promptly and fairly. 

I appreciate your time and consideration in this matter. Please feel free to contact me at your earliest convenience if you require additional information or documentation. 

Thank you for your assistance in this matter. 

Ive attached files of my interaction with grain.