davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

On XX/XX/2021 I settled a debt with XXXX cell phone company. The debt was paid in full and the account is still reported as unpaid on my credit report. 

I disputed the account on all three credit bureaus and provided proof that the account was paid in full, and the debt is still reported as unpaid. I have sent verification to XXXX and three credit reporting bureaus, but they have not investigated my dispute or acted upon it. 

Per 15 U.S.C. 1681i, the creditor has a duty to investigate my account, there was no investigation performed. The credit bureaus also did not correct the account when I provided proof the account was paid in full.
Consumer complaint received 2022-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I did not authorize nor consent to the following inquiries being furnished on my consumer report. 

Transunion XXXX ) XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX ) XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-08-28
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. (CA)

On XX/XX/2021 I settled a debt with XXXX cell phone company. The debt was paid in full and the account is still reported as unpaid on my credit report. 

I disputed the account on all three credit bureaus and provided proof that the account was paid in full, and the debt is still reported as unpaid. I have sent verification to XXXX and three credit reporting bureaus, but they have not investigated my dispute or acted upon it. 

Per 15 U.S.C. 1681i, the creditor has a duty to investigate my account, there was no investigation performed. The credit bureaus also did not correct the account when I provided proof the account was paid in full.
Consumer complaint received 2019-09-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Bureau Systems, Inc., Paducah, KY Branch (MS)

XXXX XXXX XXXX were explains why I has to return their portable due to XXXX and was not working anymore. I voluntary turn the building in to them.They got me owing {$510.00}  on XX/XX/2017. They continued running this on my credit.
Consumer complaint received 2024-02-01
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: Experian Information Solutions Inc. (FL)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

EQUIFAX IS IN VIOLATION Equifax has XXXX XXXX XXXX as being opened since XX/XX/2016 but the payment history for each month of 2016 is MISSING. 

The full payment history has been provided to them and is provided here. Provide the complete payment history for this account or delete entire account.
Consumer complaint received 2019-07-15
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: DISCOVER BANK (VA)

Discover Card continues to harass me even though they know I have no ability to provide any payment and have threatened a lawsuit against me. I was recently diagnosed with XXXX  and additional mental illnesses and are stating to me that collecting the balance on my card is more important than the value of my life. I do not have a source of income. I am unable to work, am under XXXX XXXX XXXX   care and have been admitted in to the hospital on XXXX  watch. The company does not care if I commit suicide due to their harassment. A call lasting 1 hour and 40 minutes today ended up in the creditor hanging up on me while I was hysterical due to my mental state.
Consumer complaint received 2022-08-28
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. (PA)

In accordance with the fair credit reporting act. XXXX account XXXX, XXXX XXXX XXXX Violated my rights Federal Protected consumer rights 15.U.S.C 1681 section states i have the right to privacy.

15 U.S.C 1681 Section 604 A section 2 : states. Its also states consumer reporting agencies can not furnish account without my written instructions.

15 U.S.C 1681c [ a } [ 5 } Second states no consumer report agency may make any consumer reporting containing any of the following items of information any other adverse items of important. Any other items of In accordance with the fair credit reporting act. The list below has Below has violated my Federal Protected consumer rights To privacy and confidentiality under 15 USC 1681 rights. 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 a consumer reporting agency if the person knows or has reasonable cause to believe that the information is accurate
Consumer complaint received 2019-05-06
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc. (MA)

I had filed several disputes regarding My transactions involving XXXX accessories pl for XXXX XXXX XXXX XXXX XXXX  XXXX XXXX for XXXX XXXX for XXXX and XXXX XXXX and XXXX  card is refusing to provide me a provisional credit
Consumer complaint received 2019-07-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (NJ)

I sent the following information request in XX/XX/XXXXof this year via certified mail and have received no response from JP Morgan Chase. I included her detailed information as well as my own in the original letter : My mother, XXXX XXXX passed away, due to a sudden illness in XX/XX/2017. I am the executor of the estate and would like to close out her checking account. The last entry in her ledger was in the amount of {$23.00} on XX/XX/17. I believe I have enclosed the necessary documentation for the estate. The account number is unavailable, she did all of her billing through an old computer that used XXXX. Please let me know if you require any additional information. Please forward a check for the balance to the address detailed below.
Consumer complaint received 2023-07-18
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)

I submitted a letter to the Credit Bureaus to delete these suspicious inquiries. I think you have not validated these inquiries in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

XXXX XXXX XX/XX/XXXXXXXX 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
Consumer complaint received 2021-04-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (TX)

I would like to submit another complaint regarding my taxes. After Flagstar acknowledged that they were wrong in paying my taxes, which are deferred due to XXXX, they sent me a demand letter via XXXX. In this demand letter they stated I have 30 days from the date of this letter to pay {$35000.00} in back taxes. This is ridiculous! How do they expect someone, who is XXXX to come up with this type of money? I have attached all correspondence for your review.
Consumer complaint received 2019-01-06
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Big City Finance, LLLP (TX)

I applied online and I was approved for {$970.00}. I have started to pay back the loan on a biweekly basis in the amount of {$300.00} I can not afford this payment. As well by the time I done I will have paid {$4000.00} for a {$970.00} loan. I think the finance charges are absurd! Please review my loan for accuracy. Also, confirm that they are licensed in the State of Texas. I want this loan voided and fees adjusted. I want the initial payments refunded.
Consumer complaint received 2019-01-06
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)

The creidit Bureau companies have not sent verification of thr accounts and they only responded back as verified. Information has to be provided to me as the consumer and they have not. Bills do not verify nor validate a debt ; therefore the accounts listed below need to be deleted from all 3 major credit bureaus immediately. The credit Bureau companies are in strict violation of the law and I'm attempting to give them 1 last chance to comply. They have the burden of proof to prove the debts are mine and if they cant show just cause they must delete.
Consumer complaint received 2019-07-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (OH)

on XX/XX/XXXX, me and my wifes, wallet and purse was stolen after we were done shopping, we reported to all of our banks, the missing cards and I have been working to get a new id, all of my other banks have returned funds and closed the associated cases as fraud did occur. USAA on the other hand decided that since our information was stolen that we should be liable for all the transactions. since I have filed the claim no one from USAA has spoken to me or my wife. I did call back on XX/XX/XXXX after receiving the denial letter and was told that someone from the claims department would contact me back.I did ask for a second review and still have not heard anything back from them. at this point I have attempted to escalate and they still have denied me. I need someone to review USAA policies and procedures for fraud as this is no way to treat a veteran, and it appears by other reviews on the internet they do the same thing to other vets.
Consumer complaint received 2019-07-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (CA)

Unauthorized Quickpay transaction of XXXX on Chase account made Wednesday XX/XX/XXXX through cosigner 's account. I filed a fraud report on XX/XX/XXXX. 

Unauthorized transaction happened on cosigner 's side, Chase closed case and mailed a notification on update. Called to open the case again on XXXX XXXX. Was told by Chase that they have a policy that anyone under cosigner can file a report on behalf of that account. Was told case is opened again. 

XXXX XXXX. No updates on report. Called Chase and was told that the case was closed yet again because cosigner needs to be the one to report it. However, no information was received this time around in regards as to what happened with the report. 

Terrible communication with Chase and been told different answers. Not helpful at all in regards to the dispute.
Consumer complaint received 2019-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

1. I have requested XXXX XXXX to remove old accounts from my credit reports. 

History : In XXXX I purchased 2 properties through XXXX XXXX. Those loans were transferred to XXXX then to XXXX XXXX. Payments were made to XXXX and XXXX reported them late or not made at all. Then XXXX XXXX created new accounts and posted those to my credit without removing the old. Late payments were no longer reported. My insurance and other records were showing I have a first and a second loan on both my properties which is incorrect. There is no second loan, only the two accounts for each property. 

XXXX : In a 5 hour phone conversation with 8 XXXX XXXX mortgage people I was able to get the second mortgage removed with my insurance company. The nice lady I finally spoke to at XXXX XXXX said my loans were in two different XXXX XXXX data bases. 

Anytime I applied for credit the issue of having a first and a second were coming up resulting in higher interest rates for credit. 

This is a XXXX XXXX problem the credit bureaus should have the permission from XXXX XXXX to fix or change. 

I believe there would be no consequence to XXXX XXXX to remove the old accounts since the duplicate reporting was due to them having my loans in two different data bases. 

I will appreciate any effort to resolve this. 

Thank you sincerely.
Consumer complaint received 2019-01-06
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: HYUNDAI CAPITAL AMERICA (FL)

This is a follow up complaint to XXXX and, in spite of agreeing with this complaint, XXXX XXXX continues its harassment, intimidation, and incorrect billing. 

To pick up where we left off on XX/XX/XXXX. On XX/XX/XXXX I received a letter from XXXX XXXX offering to settle the ( incorrect ) bill for {$1300.00} or 80 % of what they claimed. There was no mention of CFPB complaint. 

On XX/XX/XXXX I was informed by XXXX XXXX that they processed my claim on behalf of XXXX XXXX XXXX and was paying {$1000.00} to XXXX XXXX XXXX. I sent the balance of {$280.00} along with a letter requesting a full, complete, and accurate statement. I further demanded that any derogatory information sent to credit bureaus be rescinded. 

On XX/XX/XXXX I received a letter from XXXX confirming payment of {$1000.00}. 

Instead of granting my request of XX/XX/XXXX on XX/XX/XXXX I received a letter dated XX/XX/XXXX from a debt collector, XXXX XXXX XXXX, claiming on behalf of XXXX XXXX XXXX and addtional {$330.00}. 

I replied to this letter stating the account is paid in full. 

It is clear that XXXX XXXX XXXX is attempting to bully me into paying additional money in spite of their offer of XX/XX/XXXX. It should further be noted that the lease was paid through XX/XX/XXXX.
Consumer complaint received 2021-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX is climbing I owe them money that I do not owe them I never opened up or used or applied for a XXXX XXXX credit card or account I did not buy anything from XXXX I have reported this to them numerous times they have yet to take it off my credit report or resolve it I am in the process of hiring a lawyer and also getting a lie detector test to prove that this debt is not mine once I prove this I will take it to court and get XXXX XXXX to pay my court cost and the cost for my lie detector test this is the only way I know to do get them to take this off my credit report and resolve this
Consumer complaint received 2019-01-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: New Century Financial Services, Inc. (NJ)

I am XXXX years old living alone on social security. I learned Judgment XXXX issued against me. I tired to make payments but unable to pay rent, buy food or cover my XXXX XXXX XXXX, medicine and had to stop. These high payments toward the Judgment made it impossible for me to pay for medication that is over {$1000.00} per pill. 

Without correcting the reporting of this Judgment the sale of my deceased brother 's estate is prevented. That property ; XXXX XXXX XXXX XXXX NJ. fell into disrepair and is in bank Short Sale. 

It must close Title so the outstanding mortgage debt will be discharged. If not - it goes to Sheriff 's Sale. Its mortgage debt will liquidate the value of my deceased brother 's home at XXXX XXXX XXXX. XXXX, NJ and there will be nothing left to help settle the judgment since this property has equity and I have nothing. 

I tried to ask New Century Financial Services to help correct the report but they do not answer my requests. I contacted their law firm XXXX and XXXX but found my letters were never answered since they closed business. The Estate 's real estate broker discovered the name of their new firm but they have not answered. 

A credit disaster can be stopped if they release only XXXX XXXX XXXX from the Judgment so its not sold at Sheriff Sale. Sheriff Sale takes away all the remaining estate 's value in XXXX XXXX XXXX. XXXX NJ. Judgment XXXX needs to be specifically placed against it alone. 

Credit reporting has to show its released from XXXX XXXX XXXX XXXX NJ and specifically..record Judgement XXXX on XXXX XXXX XXXX. XXXX NJ. 

My brother XXXX XXXX. I am the only heir and struggling to complete a short sale to avoid a deficiency judgment against what is left in the Estate. 

The only thing of value I have is what will come from the sale of XXXX XXXX XXXX. XXXX NJ. I won't be able to make any payments on the XXXX if the short sale fails and a deficiency judgment is placed on XXXX XXXX XXXX. XXXX the remaining value of that property will be lost. 

I want to settle what is owed on the judgement but without New Century Financial Services cooperation in updating the  reporting with a specific property lien, I have no prospect of having any money in the future to make a settlement of payments of the judgment.
Consumer complaint received 2021-04-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (CA)

On XX/XX/XXXX i called Sychrony bank/XXXX because i was unable to access my account. They advised that i had called in claiming the account was open via fraud and i didnt open my account. They closed my account. However i never called and every time i call in they only ask for my name and then claim its verified. The company said because it wasnt fraud because the person called in with all of my account info. they refuse to investigate to as its not their issue and i cant listen to the call to confirm its who it is. This is the 2nd time that someone was able to make fraudulent claims/charges on this account in less than 3 months. They wont let me speak to a manager. I have been given zero documentation on this.
Consumer complaint received 2023-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am a natural person, I am a living being. I have rights under 15 USC 1681.

TransUnion is governed by 15 USC 1681, and they are NOT the original creditor of XXXX XXXX, this can not be so. XXXX XXXX has violated my rights numerous times by alleging that a debt of {$1400.00} USD is owed that has already been disputed and deleted from my credit report, this can not be so. 

TransUnion has fraudulently double backed and reported a debt that has already been DISPUTED and DELETED from my credit report before, and it is now reappearing after such actions, this can not be so! 

I have not supplied proof under doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 

I am hereby demanding that this derrogatory/invalid account be REMOVED from my credit report. According to 15 USC 1681 : I have the right to privacy and I did not give TransUnion the right to furnish this account.
Consumer complaint received 2020-12-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: WELLS FARGO & COMPANY (FL)

I had a Wells Fargo Secure Card account open up in XXXX I went through a Financial Hardship loss my job and miss two payments in XX/XX/XXXX and XX/XX/XXXX. It would help me immensely if I could have the two late payments removed thats affecting my credit report.
Consumer complaint received 2019-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MI)

There was incorrect information reported on my credit report. There were two separate loans from XXXX XXXX around {$160000.00} worth of debt. That affects all of my previous loans that were taken out due to income to debt ratio for loans that did not belong to me. Therefore interest rates higher and potentially declined for loans.
Consumer complaint received 2019-01-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: HSBC NORTH AMERICA HOLDINGS INC. (CT)

In XX/XX/XXXX I applied for an HSBC checking account and it was rejected because they " could not verify my identity ''. I thought I might have made an error in the application so I reapplied several times and each time I was rejected for the same reason. 
I am XXXX years old, retired and lived in Ct for 50 years.Prior to retirement I held several uS Security clearances. My credit score is about 800. 
I supplied HSBC with my drivers license info as well as info on an account at XXXX XXXX I have asked them many times what the issue is and get no answer