davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-21
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. (TX)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2023-02-20
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. (IL)

Loan was forgiven and removed in XXXX now its new as counts open saying XXXX all are incorrect there was never any late payment history Ive lost XXXX  points in 3 DAYS from XXXX they say its verified but hasnt produced and proof
Consumer complaint received 2021-04-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY (NJ)

Hello, Thank you for taking the time to read this. 

One of my credit cards, issued by TD Bank, seems to " forget '' sending a bill about once a year. I am a meticulous payor, I pay all our bills on time and in full, as evidenced by our XXXX credit scores. The reason why I am reaching out to you today is my concern that is TD is attempting to game consumers by simply not sending paper bills about once a year and cash in on interest fees, late fees, etc. We have different accounts with TD for many years and the experience has been overall satisfactory, however the credit card division leaves a lot to be desired. If what I suspect is true, I can't be the only consumer experiencing this. This is the second year this has happened, and it results in about {$100.00} of fees. 

I hope that you can investigate this type of suspected fraud. 

XXXX XXXX, XXXX XXXX
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SUNCOAST CREDIT UNION (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2021-04-16
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. (CA)

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be investigated
Consumer complaint received 2021-04-16
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. (CA)

This is my second complaint against the bureaus. They are being ticky tacky about things so I guess I will be to. Since they want want to specific disputes I guess I will list all of them kind of stupid since they already know them .Here the list they wanted 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 All of these are over 7 years old and need to be remove from my credit reports. I dont know what other information they could possibly want at this point.
Consumer complaint received 2017-05-15
Product: Debt collection — Auto debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Security Credit Services, LLC (VA)

Security Credit Services  ( Original Creditor :   XXXX   XXXX   XXXX    )    XXXX   XXXX   XXXX   XXXX   XXXX  , MS  XXXX  - {$9800.00} This was  Auto Loan  with another company by the name of   XXXX   XXXX   XXXX  . Upon me trying to make my credit situation better I had no idea what this company  (   Se  curity Credit Services  ) was because this is not the original creditor. I disputed this debt and now they are listing it as if its a new debt noted   XXXX   due me disputing it. This is a old debt from   XXXX   ; by law they have to go by the date it originally defaulted with the creditor. I was never told that this account was being sold off to another company. This is really disappointing when I am truly trying my best to better my credit situation.
Consumer complaint received 2024-03-21
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: 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 2 out of 3 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 account : XXXX XXXX - XXXX
Consumer complaint received 2022-01-31
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. (DC)

My name is XXXX XXXX. I pulled my credit report and notice some accounts reported inaccurately on my report. I already send multiple letters to the creditors and credit bureaus regarding the inaccurate reporting on my report for the past months and haven't received any response from them. I never gave you any written consent to report anything on my consumer report, and they haven't responded in over 30 days.
Consumer complaint received 2023-02-02
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Avant Holding Company, Inc. (VA)

Payment process is intentionally difficult in order to charge fees. I paid my monthly loan payment before the due date in XXXX, but my payment was not applied toward the monthly payment because I received a notification that my auto draft payment was unsuccessful. I called customer service and was assured that my account was current, I would not be charged any fees, and further auto draft attempts would cease- this was not true, I was charged a fee by avant, though no payment was late, and I was charged a fee by my bank for their attempts to draft an additional payment. For the month of XXXX, again I manually paid my monthly bill, and it did not automatically credit my payment toward the bill for XXXX, instead my account still wanted an additional payment. I called customer service where they had to manually apply the payment I made toward my bill, lest I incur another fee- after the change to my account was made by customer service, there was an erroneous fee that did not appear before, I attempted to contact customer service again, but was repeatedly hung up and unable to gather any information.
Consumer complaint received 2021-04-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (NJ)

My all americanexpress accounts were closed on XX/XX/2021 by Amex per the business decision, no appeal is allowed and my XXXX XXXX rewards points can not be redeemed. I have been using Amex for almost 10 years, without any bad record, spent a lot every year, really want to get my rewards back.
Consumer complaint received 2021-04-17
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL (CA)

Back in XXXX of XXXX, I got a small loan of {$1500.00} from CareCredit to pay for my XXXX to help XXXX XXXX XXXX. I was told it was a low interest credit card for paying medical expenses. On XX/XX/XXXX, I was charged {$400.00} as an " interest payment ''. I called CareCredit to get this resolved because I assumed it was a mistake. I spoke with 3 different people and they all claim the {$400.00} fee was due to a promotion that I was unaware of when I signed up. Apparently I was supposed to pay the entire loan in 1 year in full. Nobody had told me about this promotion, if I was aware of this, I would have paid off the whole thing in full without a problem. Nobody at the company was willing to help resolve this issue. I'm really hoping an agency can help me resolve this.
Consumer complaint received 2021-04-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (CT)

I was offered a payment in the amount of {$3700.00} by XXXX XXXX with Wells Fargo Remediation in XXXX of XXXX, a check was supposedly sent, intercepted by another party and cashed in my name. An affidavit was filled out in re, investigated, funds returned to Wells Fargo. A replacement check was then sent, supposedly, around XXXX or XXXX of XXXX. I moved in XXXX of XXXX, anything sent to old address would not be received, this was detailed in prior complaints about this matter .... Wells Fargo reps replied by stating they were given verified address, apparently refuse to investigate. They have not shown anything stating what address they were provided, no proof I am aware of. Having said that, their reply appears to be bogus and an attempt to avoid addressing issue. Further, they have reported both payments to IRS, I was sent a XXXX form for each payment, neither received. IRS will audit my returns as payments were not reported on them, this will cause additional taxes and interest owed. Also, a mediation payment amount of {$500.00} was not received, also sent to old address. Wells Fargo reps attempted to refer to an agreement of this amount which they claim was sent to old address, signed by myself when it was in fact not. I moved on XX/XX/XXXX, mail is forwarded and no payments from Wells Fargo received or any agreements.
Consumer complaint received 2021-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I have disputed the findings and the company agreed to put the account in good standing as of XXXX XX/XX/2021 and to report to the credit agencies. It has been a month and a half without the credit agencies removing the negative remarks ...
Consumer complaint received 2018-07-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

CAPTOL 1 TRANFERREDMY LOAN TO XXXX XXXX. THEY INITIAED THE TRANSFER. CHARGED ME {$5500.00} AND XXXX XXXX  CHARGED me XXXX dollars to close the loan I did not request
Consumer complaint received 2021-04-17
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. (TX)

I have disputed the findings and the company agreed to put the account in good standing as of XXXX XX/XX/2021 and to report to the credit agencies. It has been a month and a half without the credit agencies removing the negative remarks ...
Consumer complaint received 2019-08-22
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION (NV)

On or about XX/XX/XXXX, I filed for a Pre-Approval VA Home Loan with Navy Federal Credit Union which was approved to start the home loan process. The amount was for approximately {$330000.00} to {$360000.00}, with a deposit or XXXX for approximately {$110000.00} to {$120000.00} from my recent home being sold on XX/XX/XXXX. During the process the loan was denied because of a Chapter XXXX Bankruptcy over 16 years for visa credit card for approximately {$2500.00}. They included the Bankruptcy, poor credit performance with them, delinquent past or present credit obligations with others, time since most recent account openings is too short, length of time revolving accounts have been established, too many accounts with balances and length of time accounts have been established. This was and old debt and was no longer showing on all three major credit bureaus creditors use for approving credit. 
Again one of the reasons is from retaliation and grudge from the Chapter XXXX Bankruptcy against Navy Federal Credit Union Visa Credit Card debt of about {$2500.00} on or about XX/XX/XXXX. The bankruptcy was removed and deleted on or about XX/XX/XXXX. To become a member again about XX/XX/XXXXor XX/XX/XXXX. I had to pay the former debt and/or provide the evidence I filed bankruptcy. I provided the required bankruptcy documents to become a member again, however I thought from the former being in default or not being abled to pay from financial hardship, unemployed and a previous divorce the debt would be forgiven and not held or used against me. I do not know why and for what reasons the credit union keep such old information to still use against their customers or members. 
I have an excellent credit score of XXXX, paid my debts on time with no late or missed payments. All of their false, negative views and opinions are false. 
I am being retaliated because of the past debt and bankruptcy decades ago and the Federal Bankruptcy Laws ( NFCU ) is  breaking and is illegal. My XXXX from being a XXXX veteran, ethnicity and/or race, family status of having a child under XXXX years old, being the single provider to my wife and son and my income from the Department of Defense via the Department of Veterans Affairs Benefits Administration and Social Security Administration. 
This is a Violation of my Civil Rights and Federal Laws. I feel and believe why should I have to go through a fair resolution to the issues and they do not have to abide by the U. S. Federal Statues and Laws. Their webpage site and online accounts for members do state they forgive previous debts for their credit cards and different loan programs. I am being singled out because of my race, XXXX, income sources, family status and others, when they are given loans out to other members from the same conditions and all these documents should be surrendered by the credit union. I do not know how to attach documents and/or uploads. I request a fax number or mailing address or email address.
Consumer complaint received 2022-01-31
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. (MD)

My name is XXXX XXXX. I pulled my credit report and notice some accounts reported inaccurately on my report. I already send multiple letters to the creditors and credit bureaus regarding the inaccurate reporting on my report for the past months and haven't received any response from them. I never gave you any written consent to report anything on my consumer report, and they haven't responded in over 30 days.
Consumer complaint received 2021-04-17
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. (IN)

I submitted a dispute letter to the 3 credit bureaus informing that an account is reporting that I have no knowledge of and I am a victim of identity theft. This account, XXXX XXXX XXXX continues to report on my credit report causing harm to my credit score.
Consumer complaint received 2023-07-07
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2022-01-31
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. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
Account XXXX : XXXX This Account is inaccurate and seeking litigation please delete it once 2. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
Account XXXX : XXXX This Account is inaccurate and seeking litigation please delete it once
Consumer complaint received 2021-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX I have requested several times to REMOVE my credit freeze from my file. I am looking to buy a car and they can't pull my file because of the freeze/block/Fraud alert on my file please remove it at once!! My XXXX XXXX and SS XXXX. I have attached my bank SS Card and DL for proof of ID
Consumer complaint received 2021-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX I have requested several times to REMOVE my credit freeze from my file. I am looking to buy a car and they can't pull my file because of the freeze/block/Fraud alert on my file please remove it at once!! My XXXX XXXX and SS XXXX. I have attached my bank SS Card and DL for proof of ID
Consumer complaint received 2022-05-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Experian Information Solutions Inc. (PA)

I am writing to delete the following information in my file. The items I need to delete are listed in the report. I am a victim of identity theft. I ask that the item be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal trade commission 's identity theft affidavit.
Consumer complaint received 2021-04-17
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Collection Bureau, Inc. (OH)

The collections agency United Collections Bureau located in XXXX, OH attempted to collect a debt I didnt recognize. They sent paperwork to me on XX/XX/2021 and I sent them a debt verification letter on XX/XX/2021. They validated the debt on XX/XX/2021 and sent me the paperwork. I did not receive the paperwork until XX/XX/2021. This is a violation of my rights under the FCRA and I sent a follow-up dispute letter. The debt validation was not valid since it lacked the original contact from the creditor XXXX XXXX XXXX. I also realized that they provided no proof that I had to pay their collections agency. For some reason the representative XXXX XXXX also misread the dispute letter I send and assumed I did not want to be contacted by mail. This was not true and I received a letter claiming this when I sent my last dispute letter on XX/XX/2021. I specifically said they needed to close my debt file if they could not prove that they own the debt in question let alone have the right to collect it. I will attach the documentation I have.
Consumer complaint received 2021-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX I have requested several times to REMOVE my credit freeze from my file. I am looking to buy a car and they can't pull my file because of the freeze/block/Fraud alert on my file please remove it at once!! My XXXX XXXX and SS XXXX. I have attached my bank SS Card and DL for proof of ID