davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

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 Balance : {$0.00}
Consumer complaint received 2021-12-10
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. (NV)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.
Consumer complaint received 2022-12-15
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC (LA)

On XX/XX/2022, I received a threatening call from ERC a debt collection agency for AT & T, I told them I never had an account with either XXXX of them. Caller on the phone started screaming and yelling over the phone, told me to do what I have to do. If I didnt pay them theyll make sure it will damage my credit, I disputed this transaction. And now filing a formal complaint
Consumer complaint received 2022-03-27
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MS)

ON XX/XX/2022 I mailed XXXX, XXXX, and Equifax about inaccurate information they are report to my consumer report. They have failed to provide with validation of these alleged debt. I need proof that an investigation was done. I asked for them to provide me with the following information. Who validated the alleged debt, time and date the investigation took place. and all evidence of alleged debt.
Consumer complaint received 2021-04-16
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Revolut Technologies Inc. (CA)

I am paying a yearly service for premium service on the revolut XXXX Today I needed to pay some bills and my account is locked / suspended. Since my account is suspended I can not use their service to pay bills nor can I access any of my funds. Reaching for a live rep has ben imposible to do even with premium service I am paying
Consumer complaint received 2021-12-10
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN HONDA FINANCE CORP (OH)

Almost 2 years ago I co-signed a loan for my son who was working full time. He purchased a car form Honda Financial Services. My son was listed first and I was the co-signer. During Covid XX/XX/2021, my son lost his job and failed to make payments. He deserves to have his credit lowered as a result of not paying, and I mean that. For my part, Honda NEVER reached out to me via phone, email or letter to let me know that my son was behind on his monthly payments of {$330.00}. I found out because a repo guy knocked on our door. I was horrified. I called Honda immediately and made all of my sons back payments + penalties and set up auto draw from my checking to make remaining payments. I should NOT be penalized on my credit. I was NEVER contacted!! I reached out to the reporting agencies and also directly to Honda Financial. The reporting agency said that I should immediately report this to you. Please look at my credit history. I am XXXX XXXX XXXX and have had STELLAR credit from the time i was XXXX XXXX XXXX. Never have I missed a payment on anything, ever. My credit was well into the 800 's. If i had simply gotten 1 call, I would have made good on the shortfall. I have no registered letters from Honda, I have no missed phone calls, and I guarantee that Honda doesnt even have a recorded call that they even connected with me. EVER. I reached out to them to explain both on the phone and by registered mail. I have met resistance every step of the way. This is incredibly unfair and harmful and I would like them to reverse their decision to punish me with a poor credit reporting. My son should absolutely 100 % pay the price for this. Please help me!
Consumer complaint received 2021-12-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (DE)

I have a Citi XXXX XXXX XXXX account which I used regularly and paid on time every cycle. 

On XX/XX/2021 my account was closed by the bank which I did not ask. 

I have {$3000.00} of cash rewards on the account which I verified over the Citi automatic voice phone call system ( Citi online account system refused to show any details of the account ). However, after the account was closed involuntarily, I contacted Citi but was told that I'm not able to redeem any of my rewards from the account. 

I absolutely believe it does not make any sense that my reward cash is not redeemable to me. The rewards were earned through actual purchases and payments by myself. Citi closed my account without any prior notification thus I can not possibly know when to redeem the rewards before account closing. And immediately after the account was closed the rewards cash is not redeemable, even though the phone record shows {$3000.00} rewards on the account. 

I need the company to provide reasons of closing the account and enable the redemption of my rewards cash.
Consumer complaint received 2023-10-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo banking XXXX XXXX XXXX XXXX. 
I closed my account back in XXXX  moving forward I has been getting hassle with debt people for years I found out my personal information was compromised by these people.
Consumer complaint received 2021-12-10
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: GOLDMAN SACHS BANK USA (NY)

These accounts do not belong to me. Please remove the negative items as soon as possible, because they are hurting my credit. 

XXXX 1. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft GOLDMAN SACHS BANK USA Account Number : XXXX This is not mine.
Consumer complaint received 2020-11-09
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

I tried calling the company multiple times letting them know its not me who tried to open an account Ive been with the same phone and cable company for years but they were not trying to hear me out
Consumer complaint received 2021-12-10
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (MA)

On XXXX I made 4 separate payments totaling {$150.00} dollars when combined to a user on Venmo. When I made these payments I checked the option for Venmo 's purchase protection, as these payments were to pay for a service. I did not receive the service for which I paid ; and, the seller refused a refund and blocked all attempts at communications. I therefore submitted a dispute with Venmo to reverse the charges, thinking it would be an easy resolution since I used their purchase protection option. They have, however, failed to provide any resolution and continue to evade my questions about the issue. I can not have my bank reverse the charges due to ACH regulations and the seller has blocked contact, so Venmo is the only one capable of reversing the charges. In short, I made a payment on Venmo and did not receive what I paid for, but Venmo refuses to refund the charges.
Consumer complaint received 2022-03-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (CA)

The debt was created in XXXX it has gone through several creditors. Payments were made to one but it was sold again and there is no record of that Also, it is showing on my account as a recent account a XXXX account when that isn't correct. I've asked it be removed I've disputed it through XXXX  and nothing works. They aren't recording payments properly and the debt is being treated like its new when it should have been removed from my card. This claim is also for a phone that was lost and then the company refused to replace it despite insurance. They continued to charge service fees while I had no phone. I disputed the charges and canceled my service. This needs to be removed from my account
Consumer complaint received 2022-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (MA)

TD auto finance is showing as an account that not only has a balance but that is still open and that it was included in a bankruptcy, which dropped my score XXXX points. 

I disputed it with XXXX as well as XXXX around XX/XX/XXXX and its not changing. 

I spoke with TD auto on XX/XX/XXXX spoke with XXXX who said the account shows as a total loss in TDs computers thus there should be no more reports and account was reported as closed. 

XXXX claimed the dispute was finished on XX/XX/XXXX and didnt change the information. I contacted TD again on XX/XX/XXXX and spoke with XXXX who said again the account is closed as of XXXX with TD and yet credit bureau is reporting false information with the account still open as of XX/XX/XXXX. 

I have once again disbuted this with XXXX and XXXX and they are NOT FIXING THE INACCURACIES! They are ruining my credit score and doing nothing to fix the wrong information by saying its true when the company ( TD ) clearly shows different and correct information.
Consumer complaint received 2021-12-10
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: Shellpoint Partners, LLC (CA)

XXXX point is reporting me 30-60 days late because of wrong information. 

The company Shellpoint stated they processed my XX/XX/2020 loan payment on XX/XX/2020. 

I made XX/XX/2020 payment to XXXX mortgage company on XX/XX/2020 as my bank statement shows. 

I made my XX/XX/2020 payment on XX/XX/2020 to Shellpoint as my bank records show. 

I was then placed on Forbearance XX/XX/2020. 

Shellpoint Loan History does not reflect the XX/XX/2020 payment. 
What happened to the XX/XX/2020 payment? 

What payment was 30-60 days late? 

Thank you, XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (CA)

I opened a Citi Priority Checking with {$53000.00} on XX/XX/2021 and after 150 days I should have received {$700.00} as a promotional bonus but now after 160 days I still have not received it. I filed complaint with bank on XX/XX/2021 but they rejected my complaint. I need help in this matter.
Consumer complaint received 2021-12-10
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. (NC)

I HAVE NOTICED I HAVE MANY INSTANCES OF MISINFORMATION REPORTED ABOUT ME, EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, REPORTING OF UNVERIFIABLE INFORMATION, REPORTING OF INVALID INFORMATION, FRAUDULENT REPORTING OF INFORMATION, OR REPORTING THE INFORMATION I BELIEVE IS IDENTITY THEFT. I HAVE NO KNOWLEDGE OF HOW THE MISINFORMATION STEMMING FROM THE ABOVE CAME ABOUT. I HAVE NOT AUTHORIZED ANYONE TO MISUSE OF MY PERSONAL OR FINANCIAL INFORMATION. PLEASE PHYSICALLY VERIFY ALL ACCOUNTS, DATES, NOTATIONS, BALANCES, CALCULATIONS, ACCOUNTING RECORD, WHETHER RECORDED OR NOT TO INCLUDE XXXX XXXX XXXX XXXX XXXX  PART PERSONAL IDENTIFIERS AND ALPHA NUMERIC AND ALPHA NUMERIC SOURCE CODES AND DELETE/BLOCK PERMANENTLY THE REPORTING OF ANY.
Consumer complaint received 2021-08-25
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. (MA)

I have called the company and made disputes and the information remains unchanged. My credit is set at over 101 % on my credit report and the information is false. My balance in up to date and has been. They reported the balance on XX/XX/2021 and the balance is incorrect. I have been disputing for a month and calling the company and I have received no help.
Consumer complaint received 2021-12-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (CT)

In late XX/XX/2021, i Received a letter dated XX/XX/2021 from XXXX XXXX Claiming to represent Commonwealth Financial Systems Inc. 
The letter alleged a debt which i do not owe. 
This collector is fraudulently attempting to collect debt I don't know by using coercive tactics. 
Commonwealth financial systems has reported the debt to the XXXX major credit bureaus without giving me an opportunity to respond within 30 days. 
As i file this complaint the 30 day period which is required by the law for me to respond to the letter has still not elapsed yet. 
i have already sent a letter of dispute to commonwealth financial systems inc., XXXX and XXXX and attached copies to this complaint. 
XXXX has reported this item on my credit report without diligently checking the accuracy of the information and whether the furnisher has been compliant with federal law. 

XXXX has reported this item on my credit report without diligently checking the accuracy of the information and whether the furnisher has been compliant with federal law. 

Both XXXX and XXXX and Commonwealth Financial Systems are in gross violation of my rights.
Consumer complaint received 2021-12-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC (FL)

I just find out that I have credit on my credit report that never ever have no business with those companies call XXXX  XXXX and also XXXX XXXX XXXX XXXX XXXX XXXX the service was start from XX/XX/XXXX to XX/XX/XXXX they account number for XXXX XXXXXXXX is Account number : XXXX Account : XXXX. 
Please please help remove this company in my credit report and also the account number for XXXX XXXX XXXX
Consumer complaint received 2021-08-25
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. (MA)

I have called the company and made disputes and the information remains unchanged. My credit is set at over 101 % on my credit report and the information is false. My balance in up to date and has been. They reported the balance on XX/XX/2021 and the balance is incorrect. I have been disputing for a month and calling the company and I have received no help.
Consumer complaint received 2022-03-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION (WA)

Dear CFPB and XXXX, On XXXX XXXX and XXXX XXXX, I performed a balance transfer through the RBFCU online in which I saw a promo offer of 0 % balance transfer. I understood that RBFCU was offering a balance transfer of 0 % in which there is no charge for the balance transfer and the transfer will be subject to the normal billing grace period. 

During the transfer, I did click on the terms and no where in the offer or terms which states that the balance will be subject to interest before the normal billing or grace period. It is normal that other financial institute display terms and conditions before you can click submit. In the RBFCU process, there was none such display of terms and conditions. 

So, when I submitted my balance transfer, I expected that no interest or balance transfer charge will occur. Instead I was charged an interest very shortly after my balance transfer as my billing statement closed on XXXX XXXX. 

As part of my complain, I enclosed screenshot of the RBFCU balance transfer process vs. XXXX XXXX. the XXXX XXXX clearly shows and make a customer aware of the rate and how to avoid interest charge. While the XXXX clearly lacks it and therefore, falsely mislead a customer. This is not acceptable. 

Thank you.
Consumer complaint received 2024-03-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I think FCRA 605B requires us to remove any incorrect accounts from my credit report. Could you please check the documents? Some of the listed accounts are inaccurate, and it's making me feel uneasy.
Consumer complaint received 2024-03-07
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. (TX)

I recently perused a copy of my credit history. It said that the credit request originated from the credit inquiries listed below. However, I did not provide my consent for these questions to be asked. In response, I'm writing to contest these inquiries and ask that it be removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-10
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. (IL)

On XX/XX/2021 I contacted Experian about a account that appears on my credit report. XXXX XXXX XXXX XXXX. I asked the representative when is this account due to come off my credit report he told me I asked can the account be removed using the early exclusion rule The representative put my on hold for a while and told me that the early exclusion was granted and the account would be removed. After logging in a few days later and seeing that the account was still there i called Experian back i spoke to a rep who could not help me so I spoke with a supervisor by the name of XXXX. He informed me regardless of what I was told the previous day that the account would not be removed. I explained to XXXX this account has been on my credit report illegally for almost 7 years and Experian is the only agency reporting this account. And that i was hoping that Experian would atleast stick to there word and remove this account using the early exclusion rule.
Consumer complaint received 2021-12-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: KEYCORP (NY)

I was scammed by scammers pretending to be my electric company. They tricked me into sending {$490.00} with threats to my business and account info. Neither XXXX or Key Bank will reverse the charge claiming I authorized it. Key bank uses a link to XXXX in its mobile app connected to my account so while I was tricked I assumed my money would be protected through these services.
Consumer complaint received 2019-08-06
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I have received multiple calls per day, every day, with no voice messages left from Portfolio Recovery Services. I have e-mailed them ( PRACustomerCare@portfoliorecovery.com ) two separate requests asking that all calls to my cellphone be ceased and that all business they may have with me be handled through standard US mail.
Consumer complaint received 2022-03-27
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. (OH)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2021-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Please confirm the information shown in thIS collection accounts. The unverified accounts listed below are still reporting on my credit report in violation of Federal Law. This account is still open. I am no longer indebted to this company or its practices. 


XXXX XXXX
Consumer complaint received 2021-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

Several attempts to challenge the correctness and completeness of only 3 items on credit bureaus have been corrected/deleted to no avail as required by FCRA. XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX on all bureaus.
Consumer complaint received 2021-12-10
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. (FL)

Be advised that the companies and companies date listed below obtained my consumer report without my authorization or permissible purpose under the FCRA. I have called Transunion to resolve this issue with one of their Fraud experts and they have directed me to the lenders who pulled my file and I have no need to contact any lender that did not provide me any credit and I did NOT give them permission to pull my credit so by law they must remove these fraudulent inquiries from my file immediately. 

XXXX XX/XX/2020 XXXX- XX/XX/2020 XXXX XXXX- XX/XX/2020 XXXX- XXXX XXXX XXXX- XX/XX/2020 XXXX XXXX XXXX