davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SD)

Transunion gives out 2 different credit scores, one to the lenders who make inquiries and the other to XXXX XXXX. 
I recently tried to apply for a credit card and they indicated that my credit score was to low. 
But when I checked on XXXX XXXX was score was higher, I am in the process of getting my scores back up and not getting approved for credit building cards is not helping much. 
I also have asked for a removal of the collection accounts by XXXX XXXX  due to in fact they no longer own the loan and is being handled by XXXX XXXX, but to this date they have failed to do so.
Consumer complaint received 2020-04-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (OH)

I deposited a {$800.00} check to Chase from my XXXX  husbands XXXX checking account on XX/XX/20. It cleared on XX/XX/20. Chase will not clear the check for 15 days. 

Chase has consistently been putting extremely long holds on my XXXX  spouses checks to me. They have tied up {$1500.00} for 15 days just this week alone. Now we are late with rent. 

I called Chase and held for 2 hours and spoke to XXXX at XXXX. I also sent images of the cleared deposits to chase via secure messaging. 

XXXX refused to call XXXX with me in a conference call with XXXX to confirm the check cleared because she does not know how to do her job and interact with a XXXX  XXXX person through an XXXX. She said we could go out in the middle of a pandemic to a branch or just wait. She refused to call XXXX with all parties sitting right there trying to explain to her how to confirm a check cleared. 

Our lease is up for renewal and we are already late with our rent. We dont need XXXX   like XXXX who dont know how to do their job absolutely destroying our finances. 

I want the hold on the cleared check released and a courtesy of {$100.00} for the rent late fees they are causing. 

This was XXXX XXXX Whatsoever you do to the least of these you do to me. Shame on Chase.
Consumer complaint received 2020-04-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (NJ)

I never wanted or asked this company to take over my loan. I have a lot to say. For the record the previous cfpb complaint did nothing to address my issues and as they cotninue to bill me prop preservation costs when they are needless, they are against NJ law, and they know or SHOULD know i am in my home i am preparing to head to court. This company has a bad record. I know these little mom and pops like XXXX try to get away with things. And Fay is no exception. While my loan was transferring i sent a bunch of certified mail requesting personal service. I have gotten no response, no statement of account as I requested from Ms XXXX. Who by the way has not returned any of my phone calls. XX/XX/XXXX you billed me a property preservation cost no one came here, NJ has just asked all these fees to cease and i know this is a needless and legally questionable fee that banks bill even when they know i am in the home. Especially given i am not getting the help i call and write for this is questionable more than that despite what may be in the loan agreement, you know or should know i am in the home and i will not pay the fees. I know my rights, the case laws and court decisions regarding this issue. I received a letter not a phone call from Ms XXXX which i requested asking for info I have given to XXXX XXXX for a loan deferral. You keep billing me needless legally questionable property preservation fees when they are not necessary but no one has gotten back to me except XXXX XXXX who does not call me when i ask him to. I asked to make a payment from Ms XXXX she never called me with an update or to take my payment. I ask to be called at a certain time. 
you can fight me on the fees but if need be i will sue in small claims court with case law in hand. No inspections needed you know i am here you know because i have written called and no one responds. No one was here XXXX nor is there a reason legally viable to ccome here. there is no give me info i need to complete my review which i do not have. I asked to be called after XXXX XXXX  eastern so i can pay the mortgage only. 
this company has a rep of taking advantage of peole i see that it wont happen to me. 
i want my review to go forward. period. i will pay no fees. No communication which is required by law BEFORE an inspection occured. I also need cease and desist on my account. I will never pay any fees NJ has called for banks to cooperate during this time i need to know if this bank or whatever you are is on board. I will pay no fees. i will take you to court before i do. No answer like its in the loan will address this. I AM IN THE HOME YOU KNOW WHAT AS SUCH NO NEED FOR INSPECTIONS FURTHER I CALL AND WRITE AND GET NO RESPONSE AS TO WHAT IS NEEDED TO FINISH REVIEW WELLS STARTED. STOP THE LEGALLY QUESTIONABLE INSPECTIONS I KNOW MY RIGHTS AND WILL GO TO END OF EARTH TO PROTECT THEM
Consumer complaint received 2020-03-29
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. (AR)

PLEASE RE-INSERT MY TWO CREDIT Cards ending in XXXX and XXXX back into my credit files at EPERIAN, XXXX XXXX AND XXXX.
Consumer complaint received 2020-04-10
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: VW Credit, Inc (NJ)

Volkwagen Credit , Inc and Volkswagen USA have failed to create contingency practices to recover vehicles that are at the end of their lease during the COVID-19 pandemic. Their failure to do such has created unnecessary and unfair situations for their customers. VW is requiring customers to incur additional expeneses in terms of insurance coverage and a per day fee charged by VW Credit , Inc. The additional expenses are due to my fault as a customer as I followed the proper procedure set forth by VW. VW has not made any effort to offer reimbursement for the increased insurance expenses. During this time when jobs and incomes are at risk, the additional expenses can put my family at risk of financial harm.
Consumer complaint received 2020-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This letter is a follow up to my original letter dated regarding an inaccuracy in your credit reporting, regarding the entry being reported under XXXX   XXXX XXXX. 
By not replying in a timely manner to my initial letter on you have not only violated federal law, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately.
Consumer complaint received 2024-03-18
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-12-20
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: Experian Information Solutions Inc. (FL)

I sent letters to XXXX, Experian and XXXX on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 33 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Consumer complaint received 2020-04-10
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: Experian Information Solutions Inc. (CA)

ITS BEEN 60 DAYS NO RESPONSE AND ALL 3 BUREAUS ARE DISREGARDING THE LAW BY NOT RESPONDING TO CONSUMERS DISPUTES AND HOPEFULLY THIS WILL BE THE LAST TIME THEY DO THAT.
Consumer complaint received 2022-09-15
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: Bread Financial Holdings, Inc. (FL)

XX/XX/XXXX Attention : XXXX, XXXX, XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX, and XXXXXXXX XXXX. My name is XXXX XXXX I was born XX/XX/XXXX. There are several accounts on my credit report that I did not open. These accounts were open prior to me reaching the age of XXXXyears old. Each time they are disputed on my credit report, or I call your agencies you refuse to remove them. I did not open these accounts, nor did I charge the products on these accounts. I was underage at the time. I am also XXXX  with an XXXX  XXXX and XXXX XXXX I read at a XXXX XXXX XXXX often needing assistance from others to complete paperwork. Please remove those accounts from my credit report immediately. I did not open these accounts nor charged any products on these accounts. These accounts remain on my credit report as bad debts or closed accounts and should be removed in their entirety. 
Accounts XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Thank you XXXX XXXX XXXX XXXX XXXX, XXXX, Florida, XXXX ( XXXX ) XXXX
Consumer complaint received 2020-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. ()

I used to have XXXX  back in XX/XX/2014which have been paid and closed that year, i would like this information to be removed from my report since there is no problem with that account, and i am having very hard times getting credit or loan from other companies, i kindly ask XXXX  XXXX XXXX to help me in my hard situation. Account number was. : XXXX XXXX XXXX XXXX
Consumer complaint received 2020-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (VA)

This letter is in response to your recent claim that XXXX XXXX, has verified that the account they are reporting under my name is accurate. 
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.
Consumer complaint received 2022-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

There are mutliple credit inquires that I didn't authorize. The same inquires were sent several times on multiple dates. 
XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX IXXXX 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 2020-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. ()

I used to have XXXX  back in XX/XX/2014which have been paid and closed that year, i would like this information to be removed from my report since there is no problem with that account, and i am having very hard times getting credit or loan from other companies, i kindly ask XXXX  XXXX XXXX to help me in my hard situation. Account number was. : XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (CA)

Early this year on XX/XX/2020 I went to XXXX XXXX XXXX  XXXX  in XXXX XXXX and spent {$600.00} on one room and an additional {$600.00} for a second room all purchased using my Citi Prestige card. When I arrived to the hotel they treated my friends and I very poorly and thus decided to stay elsewhere. Before leaving, I spoke to the manager of the hotel, XXXX, and told her that we would not be staying at the hotel and to please cancel the hotel reservation and she confirmed that she will cancel the reservation. I took her number down as well. 

When I checked my Citi credit card statement the XXXX XXXX charge was not reversed and then I asked Citi to dispute the charge. I found out on XX/XX/2020 that the XXXX XXXX charge has been placed back on my card. Citi said that the merchant responded to my complaint, but when I opened the documents associated with this " response '', the response came from XXXX and it did not come from the original merchant which is XXXX XXXX. This was apparent for both open disputes where the merchant that responded was XXXX. 

Again, XXXX is NOT the merchant - XXXX XXXX IS the merchant. The dates the amount spent and merchants DO NOT align. 

What XXXX did is fraud and I need Citi to reverse the charges on the card and Citi needs to have their documents properly in place. 

I will attach all the recent documents from my Citibank account that reflects Citi 's two letters to me ( one for each case ) and the two attached incorrect merchant responses ( one for each case ).
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

To whom it my concern, I am writing to update/correct my personal information on file with your company. 

Please Update my address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please update my name : XXXX XXXX  XXXX only social security number is : XXXX My only correct date of birth is : XXXX My only employer is : XXXX XXXX XXXX XXXX  I do not wish to have any telephone number on my report. Please remove all the other addresses off my report as they are not deliverable to me by the U.S. post office and they are not reportable as per the FCRA, since they are inaccurate. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-01-20
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. (GA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts, inaccurate address and inquiries I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts, inaccurate address and inquiries : XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX , MI XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX, XXXX XXXX Balance : {$0.00}, XXXXXXXX XXXX  XXXX Balance : {$10000.00}, XXXXXXXX XXXX XX/XX/XXXX, XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX
Consumer complaint received 2021-03-17
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. (TX)

This debt is being reported in my credit report in Error. 
I had direct communication with XXXX stating that the amount of XXXX being reported was an error and was removed from my account.
Consumer complaint received 2020-04-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Conn's, Inc. (TX)

On XX/XX/2020, I received a washer and dryer from Conns. After coming home from work I noticed scratches and a dent at the bottom of the dryer. I contacted the store immediately and was told to contact the customer service number. After I submitted a request online, I was offered a {$69.00} deduction for the damages, however, I received nothing in writing. I also notified the store and the customer service department that the {$100.00} admin fee was not on the contract that was made available for me to sign on line. I was unable to retrieve a copy of the contract that I signed. The fee was added after the contract was signed. I informed the store manager that I wanted to return the appliances due to the damaged dryer and the {$100.00} hidden admin fee that was not disclosed upon signing the contract. I was told by the store manager that I had to pay the restocking fee before he had the appliances picked up. He tried to force me to pay the restocking fee yet the appliance was damaged. A few days later, the washer began pouring water from underneath which flooded my entire laundry room, dining room and garage. The appliances are not 14 days old. I returned the appliance to the store and the manager stated that I could not return the appliances to the store and that I owe because its a voluntary repossession. The appliances are damaged and the store is still trying to force me to keep them. The manager laughed and was unprofessional as I was explaining my issues to him and his staff members. I waited a week to receive some type of resolve with no phone call. I called customer care at the home office store and have not received a response. The appliances have been returned to conns on XX/XX/20. I have pictures as well.
Consumer complaint received 2021-03-17
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: Sequium Asset Solutions, LLC (TX)

This debt is being reported in my credit report in Error. 
I had direct communication with XXXX stating that the amount of XXXX being reported was an error and was removed from my account.
Consumer complaint received 2020-04-10
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. (NE)

Company : Equifax Issue : They have my credit information mixing with another person. 
Steps taken : I have called and talked to 3 different representatives and received 3 different stories. 
Was initially asked to fax in my driver 's license, social security card, and cover sheet with summary of issue. Sent on XXXX after conversation on XX/XX/XXXX. Was told to wait 2 business days and call back to get status update. Called on XXXX, spoke to XXXX ( a second rep ) and was told to call back after 5-7 days of original call, nothing had been received, noted or recorded at that time.Called XX/XX/XXXX and spoke to XXXX, a 3rd rep, and was told that they are not receiving any faxes and would now have to mail it in and should expect to follow up in 30 days. She also said she " found my file ''. I asked if i could get any information as to a file number or any information I can use to expedite future calls, she said there is no information like that. 
I tried to get this fixed 4 years ago and went as far as to mail in my DL, SS, and another credit report. They said they never received any of that information. 
They refuse to notate anything and tell me that they can't do anything until they receive the information that i have sent to them on multiple occasions. 
I need resolution to this as it is affecting my ability to finance. I have no issues with either of the other two reporting agencies.
Consumer complaint received 2020-04-10
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. (AR)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX XXXX XXXX XXXX {$920.00} COLLECTIONS XXXX {$220.00}
Consumer complaint received 2023-02-28
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)

Okay XXXX XXXX I notice that their was fradulents account that is showing fradulent so I sent Transunion a FTC report about this account that are not mines. I been asking them to investigate on this account but they are not investigating correctly so I got in contact with the company XXXX XXXXXXXX XXXX and they told me that the address that they got on file is not my address it a California address and I never stayed in California I stay in XXXX XXXX so I ask them can they send me a copy of the contract and they did somebody open this account in my name in California so I sent XXXX a copy of my current lease and also a copy of the FTC report and they email me back and said that they do see the address is listed from California and they agree with me to remove it. But I been trying to get transunion to investigate and they keep dispute and redisputing this inaccurate account which is showing fradulent all im asking is for Transunion to remove the account from my credit report I got the letter from XXXX agreeing for the account to be removed it is listed with the Cfpb please remove this account or I will get my lawyer involved