davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-30
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)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2022-11-01
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: EQUIFAX, INC. (GA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-11-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-01-02
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: Shellpoint Partners, LLC (TX)

On XX/XX/XXXX I called XXXX XXXX to inquire about refinance options, the call was dropped before I could tell them my husband lost his job due to covid and I immediately got an alert from experian that XXXX XXXX pulled our credit and a mortgage application was started without our authorization. I immediately called Mr. XXXX back and filed a complaint, he acknowledged the illegal pull but has failed to fix it. I've called XXXX XXXX 15 times to fix this. I kept being told it will update from university on XX/XX/2021, but it has not!
Consumer complaint received 2021-08-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE (IN)

I have a Frontier credit card through Barclay Card. When I applied for the card online it was indicated that there would be no annual fee for the first year. I saw that I was charged for a {$79.00} fee. 

I called the first time after originally seeing the charge and they said it would be refunded after I met the intro offer which also came with XXXX bonus miles. 

I called a second time after it had not been refunded and they informed me that the fee would be returned at the end of the calendar year. I thought about this and decided that this was not the original agreement and I didn't think it was fair to charge me and keep the funds for 1 year before returning the fee. 

Today I called a 3rd time and they told me that this had been escalated and that I was not eligible for the annual fee to be waived for the first year. I informed them that I would escalated this complaint through an outside agency as I did not agree with this and opened the card with the understanding that I would not be charged an annual fee the first year.
Consumer complaint received 2022-11-01
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: Experian Information Solutions Inc. (FL)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-02
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MidAmerica Mortgage Inc (OK)

We received a letter stating that our mortgage loan was being sold to XXXX XXXX XXXX from XXXX on XX/XX/2019. Our welcome letter from XXXXXXXX XXXX XXXX was dated XX/XX/2019. I was suppose to make my first payment on XX/XX/2019 but when I tried the payment was returned to me. I tried to call multiple times with wait times over 30 minutes. I finally got to speak with a real person and they informed me that my loan wasn't in the system yet and my payment wouldn't be due until XX/XX/2019. Tried to pay two different times in XXXX and both payments were returned to me. I tried to mail a check on XX/XX/XXXX and they mailed a check back to me. I called again and they said I still wasn't in the system yet and they couldn't take my payment until my loan was in the system. I finally got my payment of {$1000.00} to go through on XX/XX/XXXX by paying on their website. I was a month behind, so in XXXX I made two payments of {$2100.00} to bring my loan current. They never added the payment to my account, so my loan has been behind since it has been sold. I have provided bank statements three or four times to their cash department. They informed me that the bank statements weren't enough, so asked for me to get a letter from my bank stating that the payments had cleared. I provided this letter to them and they still haven't fixed my account. A month after my account was sold to them, my payments were raised even though my house insurance went down. When I called about this they didn't have an explanation for me and said someone would get back with me after looking into my account to find out why. This has been going on for over a year now. We have had several investigations opened on our account and they will close the investigation with no contact to us and nothing being corrected. My credit score took a huge hit because they reported that we haven't made payments on our loan even after providing all documents they have requested to prove we have made our payments. On top of them losing the payment, they didn't pay my property taxes last year and we received a letter from our County Treasurer saying a lien was put against our house. They did correct that issue after I had to send in lots of documents proving a lien was put against the house.
Consumer complaint received 2023-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

I was going through my credit report and notice some wrong information on all 3 credit reporting agencies ( XXXX, XXXX, and EQUIFAX ) that I am requesting that they are investigated and removed. Wrong addresses and phone numbers that were never mind, I have filed a police report with the XXXX Police Department for possible identity theft and put a freeze on my accounts.
Consumer complaint received 2021-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (FL)

Applying to Equifax for my free credit report ( initiated at XXXX XXXX XXXX ) Equifax requires me to file a paper form saying " Online Delivery Unavailable ''. 

It has been my experience that the credit reporting companies are repeatedly requiring me to " jump through hoops '' to get my free credit reports when they have no valid reason for the extra steps. I have seen this multiple times with the big credit reporting companies.
Consumer complaint received 2021-08-30
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FISERV INC. (MD)

The ice maker on my refrigerator was broken. I called XXXX XXXX XXXX. The technician arrived. He told me the engine that runs the ice maker needed to be replaced and offered the XXXX Warranty Plan for a reduced price, I agreed. The plan covered a maximum of 5 appliances. I have other appliances in the house, so it made sense. During the visit, the tech wanted to send information to my smart phone. I do not send important information through my phone and told him if he would send to my email, I could access on my PC. ( I am working from home ). He ordered the part ; I gave him a check for {$630.00} and the technician left. After he left, I viewed on my email two service alerts for two dishwashers. Like most people I only have one, and the receipts were for brands I do not own, XXXX and XXXX, I own XXXX. Also, there was an email receipt for the order of an ice cabinet '' not the " ice maker engine '' that I was told I needed. Also, as I moved through the legitimate receipt, there are also two more receipts for the dishwashers, that I do not own ; charge {$0.00} for both. I was charged {$410.00} for labor, {$200.00} for the ice cabinet and {$12.00} for repair costs a total of {$630.00}. This, I assume was the price of the warranty. Although the tech was at my home for over one-half hour, he did not look or evaluate my XXXX dishwasher XXXX As I looked at my emails, and did not see the " ice maker engine '' on the receipt, but the cabinet that houses the ice, which I did not need, but no ice maker. I thought something was fishy going on. I immediately called XXXX Home Services and cancelled the warranty. The associate told me I had to call the next day because the techs ' information would not be downloaded in the system until 24 hours had passed. I called the next day and cancelled and put a stop payment on my check. Which I believed I could resolve that day. I have tried many times to pay for the services rendered, but to no avail and to return the ice cabinet. I was met with representative after representative telling me I will get a bill in the mail and a return sticker. Now, on XX/XX/XXXX I get a letter from a collection agency stating the transaction could not be processed, and reasonable steps would be taken to secure payment. I am accountable for the " ice cabinet '', priced {$200.00} and the service to my home, but the {$410.00} for labor, which was the discounted price of the warranty, when no one looked at my dishwashers that do not exist is absurd! I believe I am not the only one to fall for this tactic. The main objective is for the technicians to sell the warranty plan. And they go to deceptive lengths to do so. This is now on my credit report. I will pay the {$630.00}, but I would like an adjustment for the labor charge and to have this stain off my reports.
Consumer complaint received 2021-01-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am XXXX XXXX XXXX. I just moved from XXXX XXXX where I've lived for 71 years to XXXX XXXX. I have banked with great credit and no problems for decades with a regional New Jersey bank. When I applied for an account at Bank of America online I initiated a {$250.00} online ACH transfer to fund the account. I got an account number online. I ordered an ATM card and checks. A few days later, my new account was shut down because of a 'deposit check ' based on a report. When I called the reporting agency, XXXX XXXX XXXX, they explained my deposit score was low because my old bank was not a part of their system. They didn't have any banking information on me so their was no data, just a few inquiries at the time I tried to open the account. I spent hours on the phone and in the Bank of America branch offices, as instructed, trying to get this straightened out but in the end, I left since the branch could not open my account and the Bank of American system would not accept my XXXX XXXX drivers license.
Consumer complaint received 2022-11-01
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX ACCOUNT # XXXXXXXX XXXX  ACCOUNT XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1666B A billing error 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-12-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AZ)

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXXXXXX Balance : - XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$990.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

in searching for credit score for refinacing I was decieved into signing for credit montering that I did not want and thus have been billed {$26.00} a month since XXXX.
Consumer complaint received 2021-08-30
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. (FL)

Hello, Ive been trying to reach the different Bureaus by letter letting them know wich information its incorrect on my Credit report since a few months ago, I havent received an answer, and at this point I just feel they are not going to cooperate with me, As I understand the Law says they are suppose to answer me and I feel they are preventing me from my right to know of what is going on with my credit report.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

This letter serves as a formal notice and demand for immediate action regarding multiple inaccuracies on my credit report, which you have negligently allowed to tarnish my financial reputation. Under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ) and 623 ( 15 U.S.C. 1681s-2 ), I am exercising my right to challenge and demand the correction of these inaccuracies posthaste. I XXXX XXXX XXXX have listed below the item being disputed : XXXX  which is a Student Loan which has never been past due but yet has been reported past due and impacted my credit score.
Consumer complaint received 2021-08-30
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. (PA)

Fact, the failure of a consumer to dispute the validity of a debt may not be construed by any court as admission of liability by the consumer. This was written by congress under the FDCPA, 15 USC 1692g. Only I, XXXX XXXX, who is the consumer can validate these alleged debts. Therefore, under the provisions of the Fair Credit Reporting Act and the Gramm-Leach-Blilely Act, I hereby opt-out of the reporting of these invalidated and inaccurate accounts below. Therefore, if your company continues to report these invalidated and inaccurate accounts you will be in violation of both the FCRA and the Gramm-Leach-Blilely Act. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX Please also provide the signed proof that I, XXXX XXXX, gave your company to include ANY information to my consumer report. So the failure to provide me with the requested proof of the signed consent that I allegedly gave to your company makes you in violation of my rights under the FCRA. Also, each time your company attempts to illegally sell or furnish my information to other agencies or affiliates without my consent you are violating my rights and individual privacy as said so by XXXX under both the FDCPA and FCRA, therefore I demand that the inaccurate accounts above be deleted as soon as possible. 

I have provided all of my personal documents needed to process my dispute and locate me in your system. 

Please send me an updated copy of my credit report showing the deletion of these inaccurate accounts.
Consumer complaint received 2021-01-02
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. (CA)

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. And it has been 60 days later I have not received a response yet. I also sent another letter on XXXX And still nothing! I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or will file for litigation due to high stress from this horrible experience, this isn't right! My information was also impacted by the XXXX  data breach and may have gotten into the hands of the wrong person. 

I feel that these accounts are adversely affecting my credit report and costing me XXXX of dollars in interest every year. This is not a regular dispute I have filed a complaint with the federal trade commission and better business bureau because to my knowledge I do not recall any of these accounts. I need this problem fixed ASAP I will not wait another 50 days to receive no response because clearly you all are ignoring me.
Consumer complaint received 2021-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Transunion did not cancel my subscription leading to ~9month of charges for services that was not used. In total, it amounts to {$250.00} of charges that I was not notified around. Tried to cancel several times over the phone and told it was cancelled but the charges continue to happen.
Consumer complaint received 2021-01-02
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. (TN)

In XX/XX/2019, my FICO score was reported to my bank - XXXX XXXX XXXX as " XXXX. '' Since, that time, though I've paid off several accounts, that were " Never reported late, '' Transunion has repeatedly reported that my FICO has been impacted by delinquencies, high loan to income ratios, and pass due amounts - NONE OF WHICH IS TRUE!! As a result, my latest score reported by Transunion is XXXX - This is 31 pts lower than just over three months ago!!
Consumer complaint received 2024-06-17
Product: Debt collection — Auto debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Premier Auto Credit (AZ)

I was a victim of identy theft and this debt was opened in my name without them doing any proper research on job etc. They made no attempt to legally sell me a vehicle. Especially not having anything correct. I reached out about this debt filed a identity theft etc.. Then they keep reporting this as a current debt damaging my credit with this false report.