davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-26
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. (IL)

transunion removed 3 inquirys from my record but heres some that they should of removed but didnt please reveiw these XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 these are result of fraud and should be removed
Consumer complaint received 2022-12-27
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. (NJ)

I'm XXXX XXXX, and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
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 XXXXXXXX XX/XX/XXXX
Consumer complaint received 2020-03-04
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: WEBSTER BANK, NATIONAL ASSOCIATION (TX)

I have an XXXX Savings account with Webster Bank AKA " XXXX XXXX '' that I have been trying to close since XX/XX/XXXX. 

I have called 4 times. Given 4 different answers on how to close this account and do a roll over to another XXXX Plan. Today I talked to XXXX XXXX about the 3 different mystery fees since XX/XX/XXXX to XXXX   XXXX and the how to close my account. She refused to refund the fees and then told me there will be a closing fee on top of all the other fees I have paid! 

In conjunction with my own attempts to roll over this account I have attempted to roll over the XXXX Savings account to XXXX XXXX and they have received no response after 3 weeks trying to roll over this account. XXXX XXXX with XXXX XXXX informed me they have received no information from XXXX XXXX. However they show online they have sent information to them 3 weeks ago. 

In the meant time XXXX XXXX has charged me 3 separate fees totaling {$8.00} since XX/XX/XXXX! 

I believe XXXX XXXX has as standard business practice to hassle and delay closures of accounts in order to extract more fees from customers who want to leave. I have found them to be extremely disorganized and manual intensive which just magnifies the problem. 

Attached you will find account history showing the 3 fees charged since XX/XX/XXXX from XXXX XXXX. 

Also you will find a screen shot from XXXX XXXX showing the status of a request sent XX/XX/XXXX to XXXX XXXX which is still pending response from XXXX XXXX to roll over my XXXX Savings Account. 

Please help me.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

A letter requesting verification and or removal of incorrect information was sent to Experian on XX/XX/XXXX, which was met with an email on XX/XX/XXXX stating they believed the request was not approved or initiated by me. That the request was not to be actioned on, and that encouraged me to only submit a request of this nature or dispute via their online portal or by phone. With no option to confirm my identity and/or verify that the request was authorized. Another letter informing them that the letter requesting this information was in-fact approved and sent by me was sent on XX/XX/XXXX. This was met with the same email as received on XX/XX/XXXX informing me that the request was not going to be actioned on. This is obviously a stalling tactic to drive the consumer to not submit a request like this in writing or via a medium they have control over, or at worst drive a consumer to such frustration that they no long pursue the request further.
Consumer complaint received 2020-03-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (OH)

Purchased XXXX phones over 12 years ago. The promo was if not happy with the phones or service return them both within 14 days & their would be no fees or charges, which is what I did. And I have been getting a bill ever since. A friend of a friend recently worked for XXXX XXXX & was stealing customers info phones & money for which they were prosecuted, Im sure my personal info was used but I dont know to what extent. Shortly after that thats when I started getting bills from creditor. 22 years later & how did they know my whereabouts. I notified XXXX  XXXX & all the credit bureaus to no orvail to let them know this bill was not correct & should have been taken off my credit report years ago. Now I get a bill that the bill the claim was {$150.00} is now {$63.00} ( REALLY ) thus collection agency Convergent Outsourcing needs to find out from XXXX XXXX how long ago was this supposed bill created,? & the circumstances around the bill. I dont owe & Im tired of explaining this I want this off my credit report immediately.
Consumer complaint received 2019-02-15
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (OH)

I have reached out over the past two days and requested Citibank to reapply my previous payments to the promotional balance on my account. I specifically set up my payments to be enough to pay off my promotional balances. In addition I had a previous balance that I believed to have had paid off and they still charged me hundreds in interest. When I set this card up, I was told my payments would go to first the minimum payment owed on any balances on accrual. Then additional funds would be applied to my Promotional balance. This was a lie, and a lie to obtain additional funds XXXX. When I noticed the issue, I requested reapplication of the funds and a review of my account. They responded with a 8 step payment processing order. Which after I reviewed appears to have direct violations in relation to Reg Z as well as the Card Act. I continued to request and even offered to inform them of where within the regulations they were violating. The response I received again was that they are in accordance with the law. They then provided me steps on how to change how my payments are applied and those steps were inaccurate. These steps were part of an automated response and falsely informed me as a client the steps to take to have my payments applied correctly. When I pushed back and explained that there automated response was not only wrong but also a system XXXX issue given it provided and disclosed information. They came back and apologized for the miscommunication and told me to call a number. I understand they are regulated by the OCC however, I  hope the CFPB could do something to assist me.
Consumer complaint received 2023-05-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$4900.00} ; XXXX XXXXXXXX Balance : {$6200.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1500.00} XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-03-04
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: EQUIFAX, INC. (WV)

To whom it may concern : On XX/XX/2020 a call was received from a XXXX XXXX XXXX  regarding FHA Streamline Loan. After discussing terms with XXXX XXXX at XXXX XXXX we were re-assured this would NOT be a hard inquiry on our credit. So, it was to our surprise to find one on our credit from this company. We NEVER authorized a hard inquiry as we have been comparing and considering our options to find what company best fits our needs. We have spoken with a number of companies and, this is the first that has caused this inquiry to impact our credit. Im demanding this inquiry be researched as it was not authorized and XXXX was dishonest about what he was doing. A number of times we asked & expressed a clearly that we didn't want a hard inquiry on our credit. There were attempts to call him and request a correction of his error. We have been unsuccessful. We XXXX, and attempted to talk with XXXX 's employer at XXXX XXXX directly. Unfortunately, weve not heard back from them either. We are asking credit agencies to remove this inquiry immediately.
Consumer complaint received 2021-09-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NC)

I seen a Article on XXXX  XXXX XXXX XXXX backhoe loader for {$13000.00}. So the seller told me that she have someone to handle this transaction for her. She told me that it's no need for he to be involved. Because she hired a XXXX XXXX to handle everything concerning the sell between me and the seller. She told me that XXXX XXXX are going to send a ESCROW AGREEMENT to sign. XXXX XXXX told me they only accept wire transfer only. I ask them does this {$13000.00} include the Shipping as well. I did my wire transfer on XX/XX/XXXX. XXXX XXXX told once the wire clear. They will ship the XXXX XXXX XXXX and will be there on XXXX/XXXX/XXXX. So I waiting for the XXXX XXXX  XXXX on XX/XX/XXXX I call XXXX XXXX ask them where is the XXXX XXXX  XXXX. XXXX XXXX told me that they had other heavy Equipment to be deliver they had a problem with one of the deliver. So XXXX XXXX change the deliver date on XX/XX/XXXX. So waiting again for the XXXX XXXX XXXX. I tried calling them to ask them about the XXXX XXXX XXXX no one would answer my call. So call my bank about this my bank open a Claim # XXXX to call the wire transfer bank on my behalf to attempt recovery the funds.
Consumer complaint received 2019-02-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NY)

A few months ago I made a purchase on XXXX for {$350.00}. The actual purchase date was on XX/XX/2019. I made the purchase using my Citbank Double Cash Credit Card. I later see that Citibank charged me a " cash advance fee '' which I immediately disputed because there was no such cash advance. At the time Citi had told me it had something to do with how the XXXX merchant processed the payment. I had stated that I made purchases regularly through XXXX using the same card and never had such an issue. I also stated that I had authorized a payment for the purchase but never authorized any cash advances. To be 100 % clear used a Credit Card to make the purchase and not XXXX. I reached out to both XXXX and XXXX and they directed me back to Citibank because Citi is the company that actually charged the fee. The XXXX seller apparently withdrew his money through his XXXX account which I do not find unusual. If the seller happens to withdraw cash through XXXX I am not even sure how that would be tied to my credit card? The cash advance fee sat pending until XX/XX/2019 at which point I was charged the {$17.00} cash advance fee and also an additional interest fee. I have called Citibank and they claim there is nothing they can do. They can clearly reverse a fee that THEY have charged.
Consumer complaint received 2022-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have only one phone number As I look on my XXXX, transunion and XXXX I see unknown phones that doesnt belong to me the only phone number tha should be listed is XXXX
Consumer complaint received 2022-12-27
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. (GA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-01-09
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)

XXXX XXXX - XXXX The above mentioned account is being reported as an unpaid charge-off on my credit report. After several statements and confusing correspondence I do not believe that this account is accurately being portrayed on my credit report. I have strong reason to believe that some of the information that is being reported on my credit report is inaccurate. So to clarify the accuracy of the reporting of this account I am formally requesting the following : TO PLEASE REMOVE THE ACCOUNT FROM ALL OF MY CREDIT REPORTS.
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

I trust this communication finds you well. I am writing to express my deep dissatisfaction and ongoing concern regarding the multitude of attempts to rectify the presence of fraudulent items on my credit file. Despite my numerous submissions, supporting documentation, and repeated efforts to address this matter, the fraudulent items persist, causing significant distress and financial harm. 

I initially reported the fraudulent activities and promptly followed your established dispute resolution procedures, including providing necessary documentation and filing a police report. However, it is disheartening to note that, despite my commitment to cooperating with your process, the fraudulent items continue to tarnish my credit history. 

Enclosed with this letter, you will find copies of all my previous dispute letters, supporting documentation, and relevant correspondence submitted during my repeated attempts to rectify this situation. The continued presence of these fraudulent items on my credit report is not only a violation of my rights under the Fair Credit Reporting Act ( FCRA ) but also severely impacts my financial well-being. 

I urge you to conduct a thorough and expedited review of my case and take immediate action to remove the fraudulent items from my credit file. The prolonged resolution of this matter is causing undue stress and adversely affecting my ability to secure credit on fair terms. 

I kindly request that you provide regular updates on the progress of the investigation and a timeline for the resolution of this issue. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX Balance Owed : {$6800.00} XXXX XXXX XXXX XXXX Balance Owed : {$11000.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$10000.00} XXXX XXXX XXXX Balance Owed : {$29000.00} XXXX XXXX XXXX Balance Owed : XXXX XXXX XX/XX/202XXXX XXXX XXXX  XXXX XXXX Balance Owed : {$11000.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$6800.00} XXXX XXXX XXXXXXXX Balance Owed : {$10000.00} XXXX XXXX XXXX Balance Owed : {$29000.00} XXXX XXXX XXXX Balance Owed : XXXX.
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within four business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. 
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 XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-07
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

My credit report is reporting XXXX XXXX  incorrectly reporting late payments inaccurately i sent this to XXXX and equifax and have yet to see the inaccuracy deleted or updated, this is dragging my credit score down. i need this deleted as soon as possible its unfair. its an inaccurate reporting.
Consumer complaint received 2023-12-28
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: EQUIFAX, INC. (FL)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-01-09
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)

THE ACCOUNT FOR XXXX XXXX XXXX STILL REMAINS ON MY CREDIT REPORT. THE ACCOUNT NUMBER IS : XXXX. THIS ACCOUNT MANAGED TO GET REMOVED OFF OF XXXX, YET XXXX NOR TRANSUNION HAS DONE ANYTHING ABOUT THIS MATTER. I KNOW THAT I HAVE EVERY RIGHT TO DISPUTE ANY NEGATIVE INFO ON MY CREDIT REPORTS AS PER MY KNOWLEDGE.AS PER THE FCRA, ACCOUNTS ARE SUPPOSED TO GET REMOVED AS LONG AS THEY'RE NOT VERIFIABLE, ACCURATE, NOR COMPLETE.
Consumer complaint received 2023-05-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

It appears that my credit with you has been compromised. I was going through my records & noticed many files 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 are found to be opened 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 ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these items belong to me, I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified, please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXXXXXX Balance : {$14000.00}, XXXX XXXXXXXX Balance : {$12000.00}, XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$21000.00}, XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$14000.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-03-04
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NY)

Misleading over the conversion of a mortgage in New York State. At the very end of the conversation a point fee went up from {$400.00} to {$3400.00}. I was a die hard USAA member. Brutal experience