davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

called them to credit freeze lifted, thier website would not work. After answering all thier questions he then asked about who owns real estate in new york. Having not lived in new york after XXXX years i said i dont know. he then said i have to answer the question. i then asked for a XXXX and he said no. so i said ok im filing a complaint he said go ahead and here we are. this is a horrible way to have help as far as im concerned. 
thank you for you time in this matter.
Consumer complaint received 2022-05-30
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: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX - XXXX XXXX  : XXXX, has violated my rights. 

XXXX XXXX XXXX  : XXXX, has violated my rights. 

XXXX XXXX XXXX  : XXXX, has violated my rights. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX ) : XXXX, has violated my rights. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) : XXXX, has violated my rights. 

XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX 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 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-03-26
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. (TN)

I purchased a vehicle. XXXX XXXX was the lender. XXXX XXXX repossessed my vehicle even though I sent in my payment. Now they sent a check of a little over 4k dollars. XXXX XXXX will not remove this from my credit report. My husband was the primary signer on the account, therefore, I feel this item should be deleted from the credit report. In addition according to the letter, we ( I ) received from XXXX XXXX I have the option of seeing an attorney to pursue legal action against XXXX XXXX. All I want is for them to remove this item from my credit report and remove from my husbands ', XXXX XXXX XXXX, credit report and I will not pursue action against them. This has made my credit score go down. I lost a job paying over 75,000 per year. Not only that I have tried to work with them to get this item removed/deleted from our credit file. All three credit reporting agencies tell me it is up to the creditor to remove and how they report to the credit bureaus. This is XXXX XXXX mistake and I nor my husband should have to pay the penalty of their mistake by making our credit scores go down. All we want is for XXXX XXXX to delete the item from our credit reports. Thank you
Consumer complaint received 2017-07-26
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. (CA)

I recently found very questionable items on my credit report which I didnt recognize. After consulting with my legal counsel, I was advised first to notify the credit bureau to get this matter resolved. My first letter was sent to them last XX/XX/XXXX which includeds all the list of errors on my report and I was under the impression that a proper investigation would be conducted to resolve the matter. More than 30 days had passed and no proper investigation done by the bureau. All I receive is an obvious computer generated generic response letter. I thought after Attorney General XXXX XXXX 's actions XX/XX/XXXX, this credit reporting company would comply with the settlement. According to this link :XX/XX/XXXX. A copy of the settlement was published in this link publicly : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-13
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. (FL)

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

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

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 2022-05-30
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have carefully reviewed my credit report in Transunion. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be corrected immediately or I will file for litigation. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-30
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

I have disputed this XXXX XXXX XXXX and it has not been corrected. The account is still reporting wrong on my credit report but it is already closed. The account has been closed however, the account payment status is 30 days late. The account payment status CAN NOT be 30 days late on an account that has been closed. The account status is wrong and should be closed. Now, I want you to correct this misinformation on my file XXXX XXXX XXXX XXXX
Consumer complaint received 2017-07-26
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (CA)

I am writing this letter in regards to late payment reported by Loan depot my current mortgage company it was for the month of month of XXXX 2017.. On XXXX XXXX, 2017 Loan depot LLC, branch in the XXXX XXXX XXXX, CA called me because I qualified to refinance, my FHA Line of credit.
I agreed to refinance because the new loan was with same mortgage company Loan Depot and we started paperwork, the loan number was XXXX. During the refinance process I was dealing with XXXX XXXX he was processing loan. I asked XXXX XXXX  if I should continue making payments on my current loan.
XXXX XXXX was going to ask supervisor if I needed to make a payment for XXXX. Manager calls me back in regards to payment. I was told hold on wait until they got a payoff amount.
I did not receive anything in mail. I was under the impression that my loan was approved.
I would still be in good standing, because I would have made a payment on time for XXXX. I did not receive a written letter from Loan Depot LLC until XXXX XXXX, 2017 that loan was denied on XXXX XXXX, 2017. That was unethical on their part, the letter should have been mailed earlier.
Consumer complaint received 2017-07-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I would like to reopen a disputed transaction that Bank of America considered as resolved. It is about my recent dispute transaction with XXXX ( Claim ID:XXXX ). XXXX took out {$100.00} from my account without my authorization because their ticket buyer claimed that I sold invalid tickets. XXXX emailed me about this and asked me to obtain every proof that I can get from the venue itself, as well as my proof of purchase. I replied to their email right away and gave them everything they asked for ; however, the venue was not able to give me ticket scans. I sent XXXX all my chat conversations, and they have decided to take out the money from my account without giving me proof that their buyer was telling the truth. I am furious that Bank of America allowed XXXX to take out money from my account without my authorization. During the dispute process, XXXX sent them data and information about the transaction, and sent them user agreements from their website. As quote on quote stated on their user agreement : " If you fail to respond to this email and or to take any other actions required by XXXX to investigate the invalid ticket claim, you may be charged an amount equal to 55 % of the cost of the original tickets. In addition to the invalid ticket charge described in the paragraph above. A respnse constitutes an acknowledgment of our request and bonafide the effort to investigate the clain and obtain documentation. HOWEVER, FAILING TO RESPOND, AND NOT BEING ABLE TO PROVIDE DOCUMENTATION ARE NOT THE SAME. WE UNDERSTAND THAT EVERY TEAM AND VENUE IS DIFFERENT, AND THERE MAY BE CASES WHERE YOU CAN NOT OBTAIN DOCUMENTATION TO ASSIST IN THE INVESTIGATION. IN THESE CASES, WE 'LL WORK WITH YU AND USE YOUR HISTORY WITH US, SPECIFICALLY YOUR INVALID TICKET CLAIM RATE TO DETERMINE THE RESOLUTION. '' XXXX in no way worked with me on this when I emailed them and asked them for proof that the buyer was not lying and was not able to use my tickets. They did not reply back after they have already taken out the money from my account. I used their chat option to be able to talk to a representative, and I told the chat agent that I have a clean selling history with them and asked them to reconsider their decision, but they refused to give me that and they blocked me from using their website. Bank of America overlooked this on the documentation that XXXX sent them, and I still do not understand why Bank of America considered this as resolved when nothing has been resolved. XXXX refused to work with me even though their user agreement states that they will work with sellers when it comes to special cases like mines.
Consumer complaint received 2019-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

The credit bureaus are taking too long to complete my credit investigations. I submitted requests back on XX/XX/XXXX, and I have yet to receive my completed investigation results.
Consumer complaint received 2019-03-26
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. (TX)

I trusted the credit reporting agency to do a proper investigation on this debt that does not belong to me and it failed by reporting is as verfied and belonging to me. This is false. I have not have a XXXX   account in at least 10yrs. just by that alone statue of limitations of accounts in default is 7yrs so why is this account being validated as mine. Furthermore I do not nor have I ever owed XXXX  any money. We were reassigned military duty stations and needed to close the account due to reception in the new location now being supported by XXXX. there would have been a balance for early cancellation but we were released free and clear because of the lack of reception being verifed by XXXX. It seems the collection companies are just on the hunt for something to collect and the credit reporting companies are assisting by poorly validating debts to consumers. This is an outrage. I have worked very hard to establish good credit to allow some random company to ruin my credit by reporting a completely false debt to my reports.
Consumer complaint received 2022-05-30
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Amsher Collection Services, Inc. (OH)

I sent a pay to delete letter on XX/XX/22 to Amsher Collection Services. It is now XX/XX/22 and I have not heard anything back. This collections is hurting my credit and I am doing my best To handle the situation
Consumer complaint received 2023-07-27
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: BARCLAYS BANK DELAWARE (NJ)

I have more than a month I submitted by fax a dispute case number ( XXXX ) to Barclays Financing Mastercard, for {$9000.00} that I used with the card ending on XXXX to paid a tutoring service that never was rendered and at the end I realized was a fraud, I already reported to the FTC and also I sent to the Bank Barclays many faxes with all the documentation involved and necessary, as the emails I sent to the company requesting the services, Barclays contact me two weeks ago to do the investigations and I let them know the reasons and they just let me know that investigation will continue, after that I keep calling and there is not a phone number I can get contact with someone and explain me what is happening, after that the amount in dispute still on the account with all the interests while on my first letter I requested to be corrected on my statements since the amount is in dispute and also as a card member I have the right to be refunded for any fraud carried out on my account plus any interest I paid. No just didn't get my statements corrected Barclays also closed the account without explanation.
Consumer complaint received 2023-04-19
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. (WA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

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 XXXXXX/XX/XXXX
Consumer complaint received 2022-01-25
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: TRANSWORLD SYSTEMS INC (AZ)

Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4.
Consumer complaint received 2017-08-23
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I have asked Portfolio Recovery to only contact me by mail. I have also informed them that I do not believe the debt is owed by me and would like to research if they mailed me the information. These harassing calls have continued for over 4 years. The calls come from different numbers every time. The most recent call was XXXX XXXX, 2017 at XXXX XXXX. They continue to call 3-5 times per week. They are rude and very aggressive. They will also immediately call back from a different number.
Consumer complaint received 2022-05-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (NE)

I have attempted to dispute the adverse account they claim I owe to XXXX from XXXX in the amount of {$130.00}. I have disputed this a minimum of 3 times through XXXX. They responded with a billing statement from XXXX to verify the debt. Their responses from XX/XX/XXXX and XX/XX/XXXX do not verify that I owe the alleged debt. 

I have contacted XXXX about this attempt by this debt collector to collect an alleged debt and they do not have a record of it. XXXX was able to confirm and provide info about my past policies which had termed in XXXX and XXXX. Yet, they continue to report this debt with out validating it per 15 U.S. Code 1692g - Validation of debts. This inaccurate reporting of an account that has not been validated as mine has caused me harm in mental stress trying to get it resolved as well as limiting my ability to get credit on fair terms. XXXX has not done their due diligence either as they have simply parroted the information Caine & Weiner have supplied as being verified due to their apparent business relationship. I demand that this is removed from any and all credit reports created, held, and/or maintained by any and all credit reporting agencies this adverse, unvalidated information has been reported to.
Consumer complaint received 2019-03-26
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Convergent Resources, Inc. (OK)

XXXX at Convergent has been repeatedly calling my husband while he is at school and work. My husband recieves multiple phone calls a day, from the same gentleman. I asked for not to call my job regarding personal matters. I was assured that they would remove my work number from the list. Today, I recieved an email from a secretary stating please call XXXX with a number.
Consumer complaint received 2019-11-25
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. (GA)

I have had a security freeze and fraud alert placed on my account since XX/XX/2019 after a fraudulent account was opened on my credit report. Since the freeze, I have continued to receive alerts for fraudulent accounts and specifically, rental screenings that are being completed by Transunion XXXX XXXX XXXX. On XX/XX/2019 I told the company that the inquiry was fraudulent when an applicant attempted to apply for a community in Florida. I have since received 2 more inquiries and Im told by transunion that theres nothing I can do to stop their rental screening process, despite explaining that I have no intentions of applying to any rental communities in the foreseeable future. Even after disputing, the company will not remove the inquires.
Consumer complaint received 2019-03-26
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with renewal
Company: BANK OF THE WEST (CA)

I opened a 12 month CD account for {$60000.00} at the XXXX XXXX Branch of Bank of the West at XXXX XXXX XXXX XXXX, XXXX, CA XXXX in XXXX of XXXX. It renewed itself in XXXX. On XX/XX/XXXX, the maturity date and the first day the grace period, I phoned the bank and spoke to someone who identified himself as the manager. I told him I did not want the CD to renew for another 12 month term. He told me that in order to prevent the CD from renewing I would have to appear in person or send the bank a notarized letter. 

In my CD contract with Bank of the West it says, '' All automatically renewing CDs with terms of 32 days or longer have a 10 calendar day 'grace period ' following the maturity date of the CD when you can withdraw funds or make changes to the CD without an early withdrawal penalty. '' Nowhere does the contract state that one must appear in person or, if not in person, provide a notarized letter of intent during the grace period. 

Further, Bank of the West 's internet advertising states mobile banking customers are allowed to make : External transfers move money from Bank of the West accounts to accounts at other banks. 

I am a mobile banking customer and was not offered either of these options. I was leaving that day for a 2 month trip to XXXX.I was in XXXX and on a boat for the entire grace period. I found it impossible to present a notarized letter. 

I believe that Bank of the West uses this unfair, possibly illegal, practice to retain customer 's money for as long as possible. They offer a teaser promotional interest rate on CDs. When the CDs mature, they are renewed at a significantly lower rate. Then if the customer can not appear in person at the bank or can not get a notarized letter, they charge extreme penalties to withdraw the money.
Consumer complaint received 2015-04-16
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC (MD)

I applied for the loan. When I asked them if the {$500.00} fee was a XXXX time fee they said yes it was a XXXX time fee. They asked for my credit card information so they could take out payments. they charged me {$500.00} for my XXXX payment on XXXX XXXX and recharged me {$500.00}. The person I spoke to never said that they were going to charge that monthly till the loan was paid off with their montly fees. If I would have known that I would not have taken the loan. for them to take out payments was XXXX think to take back {$1500.00} which would have been the {$1000.00} loan and the {$500.00} finance fee, but they are chargeing {$500.00}. I found that part out after I called them back after the first tofindo out why the loan had not gone down any and why there was another {$500.00}.
Consumer complaint received 2023-02-19
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. (MD)

The following accounts are on my personal credit report but do not belong to me and need to be removed immediately from my credit report. 

XXXX XXXX XXXX  XXXX XXXX account # XXXX XXXXl XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX