davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-20
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

On XX/XX/XXXX, I disputed an account on my credit report ( XXXX XXXX XXXX ) to TransUnion, XXXX and XXXX. I got a response stating that this item was verified on XX/XX/XXXX. I submitted another dispute letter, XXXX XXXX XXXX, on XX/XX/XXXX stating the reasons why this account should not be reported on my credit report and to remove it immediately. I also asked for this account to be reinvestigated within XXXX days. I received a deletion for this account on XX/XX/XXXX. This account was permanently deleted off of my credit report on XX/XX/XXXX. As of today XX/XX/XXXX, this same account has reappeared on my credit report when it was previous deleted. I have had this happened to me numerous of times with other accounts I have been disputing over the months as well far as renaming the account but still using the same account number for the account that was already removed as well. Please delete this account, ( XXXX Places Apts ) from my credit report immediately.
Consumer complaint received 2022-02-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY (DE)

I called American Express on XX/XX/22 to close my account. I was told my card was canceled but future transactions would be paid. I stated that is not what I wanted. I wanted my account closed with no future transactions. They said this was not their policy and would not honor my request. 
I received a callback from XXXX, a supervisor, who again stated my account would not be closed according to my request. Future transactions would be paid.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I recently reviewed a copy of my credit report. I am in shock that I have been a victim of identity theft. I found an account on my credit report by the name of : XXXX XXXX opened XX/XX/2018. 

I have no knowledge of ever signing up for this account. The account was not opened by me at all. Please remove this account from my credit report as soon as possible. Thanks in advance! I have also attached my identity theft report as well.
Consumer complaint received 2022-02-19
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NE)

Hello, my name is XXXX XXXX and I have new and updated information about Experian XXXX XXXX XXXX. I have recently submitted a complaint about Experian along with exhibits proving inaccurate reporting on my consumer report. I have exercised my right to dispute these inaccurate reporting however I have been receiving updated notifications that Experian is still reporting inaccurate information. 

I am now exercising my rights to receive any correspondences regarding any dispute and my consumer file from Experian XXXX XXXX XXXX electronically through the CFPB and no other form. 

This is regarding any dispute sent through the CFPB as well the correspondence sent through mail that was received on XX/XX/2022. Please see attached green receipt as exhibit.
Consumer complaint received 2022-02-19
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (MD)

I had late payments on XXXX of XXXX and XXXX of XXXX due to me being hospitalized for XXXX XXXXXXXX the previous month before making it impossible for me to make the payments on time for both instances. I reached out to XXXX  XXXX bank and informed them of the situation and they said that is understandable and can remove it or stop reporting it as late but I need to file a dispute with the credit bureaus. I did this to no avail, in fact, each time I dispute it they close it with in XXXX with no seeming investigation.
Consumer complaint received 2022-10-08
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I have filed a dispute in regards to the incorrect item on my credit report, it has been over 30 days and I haven't received any investigation results.
Consumer complaint received 2022-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days 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 should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-02-20
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: Revolution Financial Inc. (OK)

XXXXXXXX XXXX mailed out a check for property damaged in a vehicle accident. It arrived during a time when I was XXXX. It was then stolen and deposited XX/XX/XXXX. I alerted them to this in XXXX of XXXX when I was released. I had contacted them to have the check sent to me and they informed me it had already been sent and paid out. Police reports were filed immediately and all documentation requested. XXXX informed me that the bank had to run an investigation and it could take up to XXXX months. It has now been almost a year and they just keep telling me the investigation hasnt been concluded. They actually asked me to stop contacting them at XXXX point and wait for them to contact me. The check was a XXXX cashiers check from XXXX XXXX in the amount of {$7800.00}. Issued on XX/XX/XXXX It was deposited into a XXXX XXXX account in XXXX XXXXXXXX on XX/XX/XXXX. Account # XXXX belonging to XXXX XXXX # XXXX. Neither XXXX, XXXX XXXX nor XXXXXXXX XXXX will give me any updates on the investigation.We have solid evidence that neither my wife nor myself cashed this check. I am submitting a complaint and formal request for an update on the investigation to each company. This investigation has been going on since XXXX of XXXX, 8 months now, and I haven't been contacted to answer questions or anything. I don't even know if an investigation is actually taking place.
Consumer complaint received 2021-07-24
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: AMERICAN HONDA FINANCE CORP (NJ)

I have previously submitted this complaint before All what happened that the dealer ignoring my complaint and Honda called me to let me know that they cant do anything to fix the problem and they said to me go after the dealer and it has nothing to do with us here in Honda financial USA.
Consumer complaint received 2022-10-07
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. (AL)

In accordance with the Fair Credit Reporting ACT, the accounts listed below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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  They have violated my rights.

15 U.S.C 1681 Section 602A states that I have the right to privacy 15 U.S.C 1681 Section 604A Section : It also states a consumer protection agency can not furnish an account without my written instructions 15 U.S.C 1681 c ( a ) ( 5 ) -- 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 2022-02-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC (CA)

In XXXX of 2021 NCA was added to my credit file. I was not notified of this collection. The first time I heard of this account was when I seen it on my credit file in XX/XX/2021. I have contacted NCA with regards to removing this collection from my file or sending me validation of this account and as of today, I have not received anything in writing from NCA.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2022-01-30
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. (MI)

I HAVE CONTACTED TRANSUNION ON 4 DIFFERENCE OCCASIONS AND HAVE SENT AND CONTIUE TO SEND DOCUMENTATION FOR INQUIRES THAT ARE NOT MINE! THEY CONTINUE TO GIV EME TH ERUN AROUOND WITH NO ASSISTANCE. I WAS TOLD TOLD TO COMPLETE THIS REPORT WHICH I HAVE AND SENT IT IN, 5 TIMES AND TH EWLATEST BEING CERTIFIED. THEY HAVE YET TO RESPOND AND I HAVE SEVERAL CONFIRMATIONS SHOWING THAT THIS WAS RECEIVED.
Consumer complaint received 2022-02-19
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: CITIZENS FINANCIAL GROUP, INC. (MN)

- I had a checking account and savings account from XXXX Bank. Sometime in XXXX, XXXX announced that it will no longer serve me and that my accounts will be transferred to Citizens Bank. I did not want to have an account with Citizens Banks, so I called XXXX and let them know. The XXXX representative responding my call ensured that my accounts will not be transferred, as long as I close those accounts before the transfer in XX/XX/XXXX. - I closed both my checking and savings account with XXXX on XX/XX/XXXX, and double-checked with the XXXX representative whether my accounts are closed for sure, and whether I should worry about my account information being transferred to Citizens Bank XXXX The representative ensured that my accounts are closed, and that the account transfers to Citizens bank will not happen. Yet, I received a credit card and a debit card from Citizens bank by mail in XX/XX/XXXX. I called multiple times to XXXX in XX/XX/XXXX to complain : the XXXX representative still insisted that, because my accounts are closed, Citizens can not open my account, and that I should contact Citizens bank because my problem is with Citizens bank. I protested that it is XXXXXXXX 's fault because XXXX sent my information without my consent, but all XXXX representatives I talked to repeated a similar line of answers and refused to issue any written confirmation of what they were saying to me over the phone. I now seek what I can do against this unauthorized transfer of my account information and the opening of accounts. - When I closed my checking and savings account with XXXX on XX/XX/XXXX, I attempted to close my credit card account with XXXX. The representative said the credit card account will not be a part of the transition to Citizens Bank, so I told the representative I will keep the credit card. Now, because I was unhappy with what XXXX and Citizens were doing with my personal information, I decided to close my credit card account with XXXX. When I called XXXX on XX/XX/XXXX, to close the credit card account, the XXXX representative said, unlike what the XXXX rep told me on XXXX call, my credit card was to be transferred to Citizens Bank from the beginning, and now XXXX can not close my credit card account because it is now transferred to Citizens. I demanded that XXXX check their record of my call with the representative on XX/XX/XXXX, the representative answering my call on XX/XX/XXXX, stated she does not have the authority to check the recording nor has the phone number to call to check. - I have made recordings with XXXX customer representatives, which can be provided upon request ( did not attach due to size )
Consumer complaint received 2022-02-19
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. (IL)

In XX/XX/XXXX I reached out to Transunion about incorrect /disputed info on my report regarding the dollar amount of my student loans and received this Confirmation File number XXXX I sent and expressed /conveyed that the following a ) XXXX in Private student loans made by XXXX were discharged in XXXX and those papers were previously sent to you b ) XXXX in XXXX loans had previously been paid prior to XXXX however they were included on that XXXX consolidation which is the year you show as the loans being open and reported to. 

I find it implausible and beyond comprehension that you have completed your investigation regarding the validity of the actual dollar amount on my student loans being reported from XXXX and reflective of XXXX. 


As XXXX my student loan servicer and previous Student loan services along with the Department of Education have not fully. completed their investigation. 

Please note that I sent you and all parties a summary synopsis of canceled checks from XXXX and a prior tax return which show student loans having been paid for tax year XXXX which indicated {$2000.00} in payments. I used XXXX as a base year of payments and suggested that it be applied to years XXXX ( some not all my Cashed Student loan checks from those years were sent you ) That is about XXXX years @ XXXX which equates $ XXXX x XXXX for a total $ XXXX have been previously paid prior to XXXX. 

You also received the information that I sent to the loan servicers along with their investigation emails referencing my dispute and claims numbers from XXXX and the Department of Education. 

All you had to do was reference / review those reference numbers and review my supporting documents I had sent. 


So, you could fully conduct your investigation ( your initial correspondence said you would be reaching out to the loan servicers who were responsible for reporting that information to you ) So once again please explain how you have completed your investigation and found no change to my loan balance when all the other parties who are involved and report said information to you have not completed their investigation? 


It is PREPOSTEROUS, dare I say LUDACRIS and downright DISINGENUOUS that you have completed your investigations Once again I would like to know how you decided there was no material change in the amount after I had provided supporting documentation of approximately $ XXXX in payments previously paid prior to XXXX and XXXX discharged in XXXX. 

I do find it extremely interesting that when you conduct an investigation all you do is send a letter showing ones current credit obligations but you. DON'T provide any supporting documentation to substantiate or support your findings.
Consumer complaint received 2022-01-30
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: JPMORGAN CHASE & CO. (KY)

On XX/XX/2022 I received inquiries letter from Chase, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX 's which I did not applied for any of these credit card and I am not sure where these inquiries derived from.
Consumer complaint received 2022-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

The injuries and inaccurities remain on my credit unverified. XXXX continue to provide and furnish all of these inquiries on my credit profile under my social security number. I have proof of USPS priority postages that my disputes was indeed signed for. XXXX continue to ask for proof of identity when I sent them a utility bill, ID, and a copy of my social because they demanded I turn these forms over to verify the account. I now they are committing fraud on behalf of my social security number. The inquiries is still unmarked or disputed to this day. Please Remove Now.
Consumer complaint received 2022-02-19
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: Experian Information Solutions Inc. (MI)

The list of inquiries is unknown and erroneous. The inquiries were pulled without my knowledge. Please be noted that I have sent out letters prior to this complaint to Experian and to the companies for them to investigate. However, there was no response from either of the parties and this is terribly causing my credit. Have these following accounts removed accordingly.
Consumer complaint received 2022-10-07
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days 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 should 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 breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-05-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc. (UT)

On XX/XX/2019 I receive a call from GM financial that my payment is late. It cant be Im on auto pay. This is the third time I have put my account on auto payment and GM has taken it off without my consent only to charge me a late fee and ruining my reputation. I noticed there are a lot of complaints for the same thing from others. In this short space I can not site each law that has been broken but Ill be happy to list each on in our suit if it becomes necessary. I will not be defrauded by this company any longer
Consumer complaint received 2024-03-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc. (CA)

CashApp closed my account simply because I filed a complaint with Consumer Finance Protection Bureau ( CFPB ). I did not reach out to CashApp after filing the complaint and the closure of my account came 8 days after filing the report. I believe this is an unfair treatment and my account was wrongfully closed. I will attach a screenshot of the email saying they have closed my account. I also want whoever reading this that the sole reason is because I filed this complaint that my account on CashApp has been closed.
Consumer complaint received 2022-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AL)

The auto loan accounts are displaying inaccurate and inconsistent information. Some credit bureaus are reporting late payments and others are reporting current. The car loans were paid off in XX/XX/XXXX and XX/XX/XXXX. The accounts are paid off and they are closed, resulting in an inaccurate credit report.
Consumer complaint received 2022-02-19
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Today at XXXX XXXX, Yesterday at XXXX XXXX Every day. yet another phone call about a debt collection. The company is Portfolio Recovery XXXX. I answered and asked politely to not be contacted through my phone number anymore months ago. My phone number is on the do not call registery. I would like compensation from lawsuit