davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-02
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/2022 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 I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.
Consumer complaint received 2018-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc. (FL)

Last Thursday or Friday I contacted Experian because I felt I was being charged for services I was not getting ie : 3 reports not just 1. 

After very long conversation I was more confused then when I called and the rep couldn't even figure it out. A supervisor who refused to speak with me just told her to take me to the site to find the terms. In reviewing the site together neither one of us could find the answers. 

So basically they could not confirm what I should be getting for what I was paying. I explained that because I felt I was being overcharged and they would not help me I would file a complaint with the BBB, which I did. 

I got a message from the BBB earlier today saying the complaint had been sent to Experian. Several hours later I got an email with Experian telling me they had cancelled my account. Seriously?? 

I called and they refuse to tell me why. They confirm it was cancelled internally and not by me. How can they do this when I have been paying for a service and even been overcharged. 

I now have concerns as they are in control of my credit. This feels like retaliation.
Consumer complaint received 2018-07-24
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (NY)

My daughter attended XXXX XXXX XXXX XXXX for only 1 year in XX/XX/XXXX to XX/XX/XXXX. In XX/XX/XXXX, she returned back to New York due to physical health issues and stress. She has not returned to the school and officially left in XX/XX/XXXX. During the process of enrollment, it was understood that her loan which should belong to her and accepted the responsibility for it is under my name and I'm a senior. I no longer need any more schooling since I have a XXXX   In XXXX XXXX let alone one such as this one which costs more than I make a year. However, the estimates that XXXX are stating from XXXX are completely inaccurate and the information provided to them regarding Social Security numbers, birthdates, etc. are not correct and someone had been using my information to take out a loan to attend in XX/XX/XXXX for the Fall Semester when my daughter had not even returned to attend. I was also tricked by the school and XXXX into taking these loans for this school in which I was so robbed of XXXX dollars due to fraud committed by the school in regards to their housing situation which my daughter was almost homeless because of this. Since, then my credit has been getting damaged due to this loan which does not belong to me and prior to this my credit was fine and without issues. Now to even get in touch with these people are impossible since they don't really feel the need to help the people they are promptly ripping off with their outrageous loan estimates. Their customer service is the absolute worse and I've tried several times to get them to send me statements about what is owed, hard copy ones in the mail and I waited for a good month. Nothing! They don't send anything proving this debt or the extent of it for one. The other is when I called they had my SSI number attached to my daughter 's instead of hers which was a glaring error that led me to not only file a complaint with my New York State Attorney General, as well as seek legal counsel and contacted XXXX and XXXX to put my account on alert for fraud. I believe firmly that my personal information was misused to obtain these loans and get more money from the loan holder, XXXX. This company is a fraud and something has to be done about them because no matter what I try or do, they just won't cooperate. I report the fraud on the account and they continue to purpetrate it to the fullest extent which are similar tactics that XXXX XXXX XXXX did a decade ago before they got caught and had to pay restitution for it. They refuse to send statement in the mail ( and I don't mean emails ) I want hard copies, they refuse to help me in anyway and they don't care my well being. I want to get rid of this loan once and for all and most assuredly to another loan servicer that would most likely help me get out of it due to these legal issues. It is not right that a person of my age is in a position such as this and I do not deserve to be.
Consumer complaint received 2022-03-02
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I did not consent, nor benefit from or authorize any of the following Accounts : BANK OF AMERICA - Account # : XXXX - {$1100.00}
Consumer complaint received 2021-02-12
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: Convergent Resources, Inc. (AZ)

XXXX, I had identity theft and told XXXX what happened because everything was done online and my social security card, birth certificate and my D.L was stolen and somebody bought phones and lines in my name so I told XXXX and filled out there claim and they contacted me back and said we investigated and we are dropping this, however I have cleaned up my credit and even settled for less for things that are not mine and than XXXX shows up 3 years later saying I owe them XXXX which I thought was taken care of, so now there is a 3 month old bill that is really 3 years ago so it looks really bad on my report. I explained to XXXX 3 times and they keep saying is its denied because XXXX says its validated. I contacted XXXX and they said they were investigating but I don't trust anybody anymore I need this deleted or I will settle for less just to clear this but the date is not right. It docent take 3 years to put a report in that should be suspicious to the credit agency. also I need help so that nobody puts anything else on my report I need action taken because I still have inquires that are coming up like 45 and they are incorrect, XXXX, XXXX  and XXXX  said they would take care of these but its not happening. I have worked so hard to get this better, I pay my car almost double payments for 1 year at 28 percent and I need to refinance but I can't and I also have two credit cards that have never been late but I can't apply for new correct, my husband and I are trying to open a business and we can't if we don't get approved because they check credit so please assist me and ask the credit agencies to please properly investigate and take these inquires off. I got a car, they said there would only be 1 ding well there are way more than that and all the new ones except like 3 are not mine because I am scared to apply. I would never apply for XXXX XXXX ever again, or XXXX  or XXXX, these credit cards charge annual fees. Please help me Thanks
Consumer complaint received 2022-06-14
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. (NY)

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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account # XXXX All these accounts 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 with 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 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 2020-07-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (OH)

Notice for Proof of Claim Account : ARS ACCOUNT RESOLUTION XXXX XXXX To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX Id XXXX. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.
Consumer complaint received 2024-05-02
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

A XXXX weeks ago I requested credit limit increase on my Capital One credit card and was denied for the following reason : there is a legal action pending against me. I called Capital One XXXX  to find out where they received that information from and I was advised they contacted XXXX to furnish the information off of which they made their decision. Since there is no legal action pending against me I got really concerned and contacted XXXX. XXXX confirmed that my report did not contain such information. I called back Capital One XXXX  and XXXX contacted their XXXX, their XXXX  contacted their supervisor, their supervisor contacted supervisor 's supervisor and an XXXX based agent answered me to provide my XXXX report together with the letter I received from Capital One to them so they could take a look and verify that information. I faxed all the required information and on XX/XX/year> I received an online documents to call the customer service as the written correspondence they received could not be fulfilled. I contacted the CS again and was transferred from XXXX place to another till a lady picked up the phone and advised me that there was nothing she could do to help me. I even asked for the copy of the report XXXX provided to them but she classically refused to provide that information to me. So the letter they provided to call their XXXX  was just another way to win time and dismiss me thinking the customer will drop his saga. The information they claimed to have used to make a decision` is absolutely false and they need to clear their records as their unsubstantiated date may become public without any base which can hurt me in any credit dealing I might have in future.
Consumer complaint received 2022-03-02
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: Experian Information Solutions Inc. (TN)

On XX/XX/2022 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 I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-04-24
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. (TX)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2019-10-18
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ERC (LA)

After checking my report I found Inaccurate information about XXXX XXXX XXXX this account was entered in my bankruptcy in XXXX .please remove from files on my credit report.. Enhanced Recovery Company XX/XX/XXXX and the latest filing was XX/XX/XXXX
Consumer complaint received 2022-07-22
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax data breach/identity theft and may have got into the hands of the wrong person.
Consumer complaint received 2022-03-02
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (TN)

The dealership ( XXXX XXXX XXXX XXXX XXXX ) had me put down a 100 % refundable deposit of {$500.00} in order to " hold '' a vehicle while I decided whether or not I wanted to purchase it. When I decided I didn't want to purchase, the dealer tried to hold the {$500.00} in ransom for me to come in and explain WHY I didn't want the vehicle. I told them to refund it -- and they said they would, but only if I came in and told them why. I explained why over the phone and through text -- and they ignored me moving forward. I asked for the refund -- they ignored me. So I disputed the charge with the credit card company. They didn't ask me a single question- instead they just denied the dispute stating that I did not answer their questions. When I tried to call in and ask WHAT questions -- USAA subsequently could not tell me what questions weren't answered. BUT -- told me that because I ALREADY disputed it -- I couldn't dispute it again. 

I did not purchase a vehicle. The deposit was 100 % refundable. But somehow I cant get the money form the dealer OR my credit card company.
Consumer complaint received 2022-03-02
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BROKER SOLUTIONS, INC. (CA)

I applied for PMI Reduction with New American funding. I paid {$150.00} to them for the appraisal of my property. However they denied me the PMI reduction on the grounds that the value of my priperty is {$570000.00}. I reviewed the appraisal report and found several inconsistencies and errors. Meanwhile the value of my property on the company 's own website shows {$670000.00} and on XXXX it showed {$660000.00}. I called the appraiser to inquire about the strange and out-of-the-ordinary value shown on his report. He made it clear to me that when he submitted his first report, the New American Finding representative impressed on him to make changes before he would accept the report. He was given specific property addresses to use to undervalue my property. This, I believe is fraudulent, unprofessional, unlawful and unacceptable. 

I contacted New American to provide me with the original appraisal report but they refused and indicated that they never had contact with the appraiser. They indicated that XXXX XXXX reviews the appraisals and approves them for New American. However, when I contacted XXXX XXXX on XX/XX/2022 ( XXXX XXXX. XXXX ) and they categorically denied and indicated that it is New American Finding that does the appraisal review and makes decisions on PMI.
Consumer complaint received 2022-03-02
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The EXPERIAN Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX
Consumer complaint received 2022-03-02
Product: Credit card or prepaid card — Store credit 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: WELLS FARGO & COMPANY (IL)

I purchased furniture from XXXX 's XXXX XXXX on XX/XX/XXXX that I have never received. The furniture was supposed to be delivered on XX/XX/XXXX. It never came. A new delivery date was rescheduled without consulting me for XX/XX/XXXX and again nothing came. Then I was given a XX/XX/XXXX delivery date and again nothing. I was rescheduled again for XX/XX/XXXX and if you are following the predictable trend nothing was received. I was then given a XX/XX/XXXX date and then days before that date arrived I was notified that the product will be out of stock until late XXXX. Since I have been waiting for this furniture for several months and I don't know if or when I will receive it, I can not continue to pay for this furniture. I will not be sending any more payments towards this furniture until someone at XXXX 's XXXX XXXX takes leadership and ownership of this issue and resolve it. I have attempted to resolve this issue with store XXXX named XXXX and customer service supervisor XXXX. I explained to both of them you can not set a delivery date without consulting me first because the item needs to be delivered when I am home. XXXX has been less than helpful and XXXX has tried but so far he has not been successful. I also do not find customer service at Wells Fargo to be helpful, friendly, or customer focused. So far I have not had the best experience trying to communicate with Wells Fargo so given all of the challenges I am having I thought it was best to write my concerns out in the form of a complaint because the listening skills experienced so far at Wells Fargo has only added to the problems. I have found both XXXX 's XXXX XXXX and Wells Fargo to be unreasonable. XXXX 's XXXX XXXX is not communicating with me effectively nor are they making a real effort to deliver the furniture to me. Wells Fargo has started billing me when I haven't received the product yet and customer service has been lacking.
Consumer complaint received 2022-03-02
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

On XX/XX/2022 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 I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.