davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-15
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. (KS)

I have been disputing an account on my credit profile since XX/XX/XXXX. When asked how are they verifying this item they will not respond at all via mail. This has happened multiple times. There are even times I have disputed this account and never got any feedback or results over the years. I have called and they told me the company name that is verifying the information. The court was the first company. Once I contacted the court they stated that Transunion has not reached out to them for verification and that they do not communicate nor report to the reporting agencies or 3rd parties. They then told me that XXXX is who is verifying the account. I contacted them as well and they did have a bankruptcy on there. After I disputed this it was removed. I then disputed with Transunion again and since then they are refusing to even dispute the account because it has previously been disputed. I sent them documentation from XXXX showing there is no bankruptcy. No matter what documentation I send in they say it is verified still because they are refusing to dispute it. At this point, this account has been removed from both of the other credit reporting agencies XXXX back in XXXX and XXXX this year XXXX. Transunion is refusing to even help. They refuse to look into it any time I call, they refuse to respond once I catch them lying about verification methods and that they already have documentation showing that is inaccurate, and then they hang up on me once I ask for a manager or supervisor.
Consumer complaint received 2020-06-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have a copy of my credit, there is an account that doesn't belong to me. There are also inquiries that do not belong to me. Please investigate this account and inquiries. Please delete this info from my credit profile. Send an updated copy of my credit report.
Consumer complaint received 2020-09-28
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (CA)

Walked in to open a business account in US Bank located in XXXX ca. Was recriminated by banker Banker named XXXX. Was told can not be opened and also put my personal account under a hold/freeze for no reason. Did not and do not have access to my own funds. Reason for hold unknown. There is no ppp loan or sba loans deposited in account. Contacted customer service and was told the hold has no description and was for no reason. I have served 4 years for this country and i feel I was discriminated by the employee. I am out of my own money.
Consumer complaint received 2020-06-19
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CONGRESS COLLECTION CORP (MI)

I had private college debt with Congress collection from three years ago. First they put the debt in my credit report then they started the communication. When I talked to them I arranged payment plans. But then I got unemployed then they stopped any communications with me. A month ago they put the remaining balance on my account again without sending letters or calling. I called to tell them I have a hardship and if they need proof so will provide me with the proofs so they can remove the debt from account temporarily until i would be able to maintain my payment again. I was treated horribly the agent and the manager didnt give a chance to explain myself and tell them about my situation. Recently because of vivid 19 my hours were reduced and I applied for the unemplyement. So I told I have a hardship and they need to remove the debt temporary. But no hope. They obviously were so disrespectful. They provoke me and the manager I believe her name is XXXX or XXXX didnt workout any other solutions with me didnt explain anything for. I know for a fact if I have hardship and provide them with the proofs they can remove the debt temporary from my account. But she said no I dont have a hardship and I sound like Im lying. They didnt even bother to ask why I have a hardship whats going on they didn explain anything. Two times the debt was reported to my account with any attempts of communications with me. I was treated so unfair. Both the agent and the manager didnt give me the chance to explain my situation. They just want me to pay in any way. They didnt explain what options I have to avoid the negative account on my credit report.
Consumer complaint received 2020-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

XXXX  and Transunion should not be reporting a collection/chargeoff in the amount of {$26.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I paid this account in full. At the time there was a late fee that they agreed to waive. Not only did they not waive the late fee, they charged off the account and it is harming my score. This is a violation of the Fair Debt Collection Practice guidelines as well as a FCRA violation. I have tried to contact this company and can't reach anyone or get a return call. Take a look at their reviews and you will see that this is not an isolated situation. Please remove this line item from my credit report.
Consumer complaint received 2020-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I submitted a dispute with Equifax in XX/XX/XXXX. They replied saying speak with XXXX  ( lender ) which I did. XXXX submitted the correct info to the credit bureaus as XXXX updated on the same day reporting the correct info. Equifax updated certain info correctly but is still reporting false info which I have proof of. I submitted another dispute XX/XX/XXXX and Equifax replied the item being disputed has been deleted, however, it did not delete the info I disputed because I can still view this disputed info in my Equifax profile. I've contacted Equifax again by phone today and they reported that they do not see any issues that I'm speaking about. I can not file another dispute because Equifax 's promps won't allow me to proceed. Quick overview, date of my first delinquent payment was XX/XX/XXXX. Property was foreclosed and sold in XX/XX/XXXX. Equifax is reporting payments made in XXXX, XXXX and XXXX of XXXX and 120 days past due in XX/XX/XXXX. Also, the account overview shows the account to be closed but if I view account details it shows the account status as 120 days past due. Here are screenshots proving what I'm saying and a copy of the deed of sale from this property. There was not a deficiency judgment filed so PA law states as of the date of sale I have nothing more to do with this property. Please note conflicting account status and dates on the screenshots from my profile. Screenshots taken XX/XX/XXXX
Consumer complaint received 2020-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Dear whom might be concerned, My name is " '' XXXX XXXX ". I have been trying to report about inaccurate items in my credit report over past year. However, none of the CFPB 's response has fulfilled my demand. ** Please investigate these derogatory account within the legal time frame of 30-45 days as. I will be validating all debts from these creditors and filing complaints on all parties to Transunion, XXXX, XXXX and every creditor reporting the below items ) and filing lawsuit if not done. 
**Address** XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX These address are not belong to me, please delete it immediately as they are intervening me from obtaining credit. I have enclosed proofs of my current address and driver license. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX How can there be $ XXXX  monthly payment in a closed account. DELETE IMMEDIATELY. 
XXXX HARD INQUIRY* _XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX This is unauthorized inquiry and date furnisher has violated Metro2 reporting compliance by not reporting their contact information. In accordance of " Metro 2 Compliance Violation " ( Not Including Creditor Contact Information ). This account is currently in dispute but the data furnisher has not updated the remarks on the account which is a violation of the F.C.R.A. Please delete it!!!! 
XXXX XXXX Inquiry :XX/XX/XXXX This inquiry is unauthorized and the credit bureau has violated " Metro2 Reporting Compliance " by not reporting their contact information.
Consumer complaint received 2020-09-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rozlin Financial Group, Inc. (GA)

I had a pre-approval for a home loan through the GA XXXX XXXX  but my realtor refused to show me houses in certain neighborhoods and the loans office would not submit my application to the GA XXXX XXXX even though I completed everything asked of me to qualify. the loan officer told me by letter and email to complete actions that caused my credit score to drop below the guidelines. I sent him proof of me completing the requested actions and he then denied my loan and never submitted the application to the GAXXXX XXXX for down payment assistance for healthcare workers and low income families. He did not offer me all available options. And sold my information cause my social security number And credit report to be leaked on the dark web. 
XX/XX/2020
Consumer complaint received 2023-05-18
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. (IA)

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX NEGATIVE ACCOUNTS : XXXX XXXX XXXX XXXX  # XXXX XXXX {$1900.00} XXXX XXXX XXXX # XXXX XXXX {$0.00} XX/XX/XXXX XXXX  XXXX XXXX XXXX # XXXX XXXX {$3700.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX {$1900.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX BAL {$2100.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$29000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX {$330.00} XX/XX/XXXX Also please immediately remove the unknown names and unknown addresses that I listed on my FTC identity theft report that I have attached... Thank you
Consumer complaint received 2023-03-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (FL)

I legally changed my name in XXXX, however, despite going into the branch and having the name change processed. The name was updated on my end, I was reissued a new card. However, Chase continued to send me mailings in the old name. 

After struggling to get any support, I finally emailed Chase Executive team on Monday, XX/XX/XXXX to ensure the name was updated on all of their ancillary systems. I received a call from XXXX on Friday, XX/XX/XXXX informing me the changes were made. 

While traveling from XXXX  to XXXX XXXX, XXXX  I was unable to access the account via the web. Upon calling, I learned the account had been closed by Chase. I was traveling with no access to a working debit card or funds. I went to a branch in XXXX XXXX, but was advised a temporary card could not be issued and they were unable to revert the changes made in error. 

- At this time Chase does not know why my debit card was closed - At this time Chase does not know why the associated debit card and web account was closed - There is no option to provide a temporary card ( per the Branch Manager in XXXX XXXX and per XXXX ) - I was advised the cancellation of my card can not be reversed - I was advised that my card ending in XXXX does not show in Chase 's history as a valid account, and as such you are unable to revert the changes that were done in error. The card was used the week of contact with Chase. 
- I am being told nobody knows what happened and to expect a response by Friday, XX/XX/XXXX - I was told the name was correctly updated and should reflect in 1 - 2 billing cycles. However, I have a hard time believing this. Where would the changes reflect if my association to the account was removed by Chase? 
- I was left in XXXX XXXX with no access to my debit card and/or funds. I was forced to use a credit card.
Consumer complaint received 2023-01-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (FL)

I closed an American Express XXXX from XXXX 4 years ago with a XXXX balance. 2 months ago, I submitted a payment to another credit card using " bill pay '' option at my bank institution but submitted the payment XXXX XXXX XXXX  to the closed account by mistake. 

I have contacted customer service on more than ten occasions. They can not " find '' the account and hence can not revert the payment to the payor, even providing the transaction number provided by the bank institution.
Consumer complaint received 2022-12-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Lewis, McDonnell & Associates (LA)

After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with the account listed under Lewis McDonnell and Associates and validation was requested as this is an account that I did not recognize. The credit even threatened to sue me. I reviewed my credit report again on XX/XX/XXXX and the account continues to be reflected on my credit report and I have not received any correspondence from the creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed. After reviewing again on XX/XX/XXXX there have been no updates and the account is still reflecting on my report. I do not believe this account belongs to me nor do I believe that the creditor has authorization to access the account not authorization to attempt to collect in the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all the information is correct.
Consumer complaint received 2020-09-28
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AMERICAN HONDA FINANCE CORP (VA)

On XX/XX/XXXX I've submitted CFPB complaint # XXXX against American Honda Finance Co. ( AHFC ) which reported me to the credit monitoring agencies on XX/XX/XXXX as having a " major delinquency '' for me not paying them {$100.00} without ever sending me a bill or any other form of notification about it. I found out about this fact only on XX/XX/XXXX from a credit report sent to me by my financial institution where I'm trying to refinance my mortgage. Since then I've tried to mitigate the issue with AHFC via numerous telephone conversations where their representatives have admitted having a wrong house number for my address, which is not true because I have a letter from AHFC accompanying a title of purchase by me from them previously leased vehicle dated XX/XX/XXXX with my correct address. This is a classical case of AHFC practicing " parking the small debt with a debt collector and reporting a consumer to the credit agency without expending resources to contact a targeted consumer who'll find out about the debt only when doing some activity requiring a credit report. When on XX/XX/XXXX first contacting AHFC via telephone about this matter I was transferred without a warning to a collection agent who initially didn't clearly identify herself but collected all my personally identifiable information. Only at the end of the conversation I found out that who she was. I asked her why didn't her collection agency never send me a bill which was reported to them according to the credit report on XX/XX/XXXX. She said that they had a wrong house number for my address on their files. How is this my fault? After this phone call I received a first ever letter ( attached ) dated XX/XX/XXXX from this debt collection agency called XXXX XXXX, XXXX ( XXXX ) demanding for me to pay {$100.00} where the Original Creditor is AHFC, without any explanation what I was billed for. I have not received a bill explaining the {$100.00} charge from either company to this date. I did contact XXXX via telephone, left a voicemail identifying myself, stating the issue and asking to call me back. No one has called me back.
Consumer complaint received 2020-06-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (NY)

I have a copy of my credit, there is an account that doesn't belong to me. There are also inquiries that do not belong to me. Please investigate this account and inquiries. Please delete this info from my credit profile. Send an updated copy of my credit report.
Consumer complaint received 2020-09-28
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Fidelity National Financial, Inc (TX)

The complaint is in reference to the title company : XXXX XXXX XXXX XXXX XXXX Texas , XXXX. 
Our loan was set to disperse XX/XX/2020 and due to the negligence of the title company our pay off was not calculated correctly. The payoff was shorts funds to pay off the loan entirely. The original lender reached out and spoke to the title company advising them it was short and that they needed to contact us and see how we wanted to proceed in paying the difference. We never heard from XXXX XXXX XXXX. The original lender emailed my husband on XX/XX/XXXX advising that the payoff was short and requested how we would like to proceed. After checking documents and confirming that the payoff was not calculated properly we were now looking at additional fees due to XXXX XXXX not completing their work appropriately. 
I have called XXXX XXXX ( XXXX ) numerous times and can not get in touch with a live person and have requested callbacks ; I have still yet to receive a callback. I have also sent emails ( XXXX ) requesting a call to discuss this error and request compensation and an explanation why we were not contacted and why our funding did not occur when it was scheduled. They have completely ignored and disregarded what has happened. 
Having worked in the mortgage industry for many years this is absolutely unacceptable and should never have happened. The lack of responsiveness and following of procedures is appalling.
Consumer complaint received 2020-06-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC (CA)

I closed my internet account with XXXX in XXXX of 2020 in person at a XXXX   store and paid my outstanding balance in full. Three months later, I received a letter from a debt collection agency ( MRS Associates of XXXX XXXX, NJ ) informing me that I owed XXXX  {$50.00}. I had received NO notification, via email, phone, or mail, directly from XXXX  about this debt, which I do not in fact owe. They referred the matter directly to a collections agency, exposing me to harassment and sharing my social security number without my consent.
Consumer complaint received 2020-09-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc. (MA)

Dear XXXX ; I'm not quite sure what's taken so long, but it's been more than 60-90 days that i request your company and credit bureaus to look into this but for some reason, I haven't received any correspondence about this account. It's impossible that this collection was investigated and we're going into 3-5 months and I haven't received anything. It continues to report in violations and it continues to illegally re-aged. It's incomplete, inaccurate, and obsolete. I'm really shocked by the way that you're handling this situation and I would rather not spend or waste anyone 's time, and would rather want this deleted from my credit report. Not even the account status was updated if it was indeed looked at.
Consumer complaint received 2020-09-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A. (NY)

my credit limit for best buy card is XXXX now is almost XXXX, i haven't be available to pay cause the pandemia .they have been charging me late fees and reporting missing payments to my credit report.
Consumer complaint received 2024-02-14
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (NC)

I have been trying to use the American Express gift card since this morning to which it will not allow me to use the mobile gift anywhere. I called several times, which they stated they fixed it and should take 30 minutes. I asked what was done for future reference and they would not say. I reached out 2 more times which the second time they told me that I needed to reload it to different apps which I have done. The last time I told them I would report this and they stated to go into a store which the point of the online gift card was to use online, they then told me to try again, and at this point I stated I will report as no solution was provided.