davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-26
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 account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX : # 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 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 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 2019-09-04
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. (CA)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2020-06-06
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: PNC Bank N.A. (NJ)

I was charged about $ XXXX in fraudulent charges to my pnc credit card by XXXX ( shows up as XXXX XXXX XXXX ) I reported the charges to pnc and after 1 week was given temporary credit for these charges. However, about 6 weeks later, all of the charges reappeared labeled sale adjustment XXXX DE. The bank refuses to investigate further and I refuse to pay the bill, which including late charges and interest has now added over {$1500.00} to my bill. The original charges disputed were duplicates of real charges I made ( for example, I deposit {$100.00} to my XXXX account, Im credited only {$100.00}, but two charges for {$100.00} appear on my statement. 

In addition, XXXX has locked my account which has {$460.00} of my money in it, citing my credit card chargebacks as the reason. I can not use, access or withdraw the funds. Even though my bank ultimately did charge me the disputed amounts, XXXX  refuses to unlock my account ... so essentially, Ive been overcharged $ XXXX, penalized by XXXX for making the dispute, and even though XXXX ultimately received the disputed duplicate charges from PNC, they continue to withhold my {$460.00} .... Ive now been robbed of $ XXXX ( the duplicate charges PNC wont credit to my account ) AND robbed of {$460.00} more by XXXX  by the freezing of my account as payback for disputing the duplicate charges. Neither pnc nor XXXX will do anything further to make me whole.
Consumer complaint received 2019-09-04
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: AMERICAN EXPRESS COMPANY (NV)

I was notified when I called back on XX/XX/2019 that the case was closed and the issue was not resolved within the 10 business days as stated per the communication with the company and the information which was submitted and the cardholders terms and conditions of fraud. I am being held liable for the fraud. which the communication of the American Serve Card is Deceptive with marketing practices and state law in Nevada. After going through my statement this is why Ms. XXXX states the charges were more than the {$910.00} after locating the first date of the charges {$1400.00} correct amount and submitting the correct paper work the first time when asked by the dispute department declaration of fraud form on XX/XX/2019 - XX/XX/2019 with closed card account number XXXX. The company stated to reopen the claim and resend the information, I also asked was the delay or the claim closed because of the new card and was told no and the employee XXXX told me the general statement that the claim was denied and when I asked her to review the account information once more and preview the same claim information with the credits she said she could notice how the claim remained of the claims were denied when the start of the claims were approved without error no addition notes, accept the claim was valid for fraud for {$35.00} from the same merchant out of {$1400.00}. The company purposefully cherry picked the claims to approve even though I sent evidence showing these charges were not mine and I did not authorize the charges {$1300.00} remaining. XX/XX/2019 XXXX. The scam merchant sent me an email asking for a copy of my credit card. I did not send it. 


On XX/XX/2019 I notified American Express Serve customer service that I had received text message alerts totaling {$910.00} was made using the card at a XXXX XXXX XXXX XXXX with out my permission. I was told their was noting they could do, in my card holders agreement it states the card is protected from fraud. I have never made a claim because my card is normally secure. somehow my card was compromised and I was charged via an online portal. I contacted the merchant and no one responds. the merchant information is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX International phone number : XXXX XXXX I had the card blocked because the rep said I could not close the card to protect the remaining fund and direct deposit on the card. I notified the FTC and local police, the police department said if it did not happen in their jurisdiction there was nothing they could do because I did not have the proper information for the merchant because they are not located in the US. I did contact the FTC to and file a claim which is XXXX. I am also a vidicm of identity theft as well from XXXX and XXXX   data breaches and some other company.
Consumer complaint received 2019-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NY)

all 3 burean lowerd my credit score by iccorrectly reporting information that incorrect. Im icluding my drivers license, ssn and supporting documents. I believe because Im from another country. When I called the nade fun of my accient as if they didnt hear the words coming out my mouth
Consumer complaint received 2019-09-04
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Byrider Franchising, LLC (IL)

I traded this car in in XX/XX/2015. Ive asked them to remove it off my credit report numerous times. JBByrider told me that they did remove off my credit report said the debt is paid and I dont owe them. But every month they add some new comment to my account. I would like this off my credit report because it is messing with my score and showing up as a negative item.
Consumer complaint received 2019-09-04
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENOVA INTERNATIONAL, INC. (CA)

The creditor calls multiple times a day on an emergency line to our company 's alarm monitoring center. They have been asked to stop calling and remove the number from their call list. They responded that they " can't do that ''. When a supervisor was requested, they responded " there is not one here ''. When asked to be transferred to their supervisor 's voicemail, they responded " supervisors do not have phones at their desks ''. 
Last employee spoken to ( on XX/XX/2019 ) was " XXXX ''.
Consumer complaint received 2019-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

all 3 burean lowerd my credit score by iccorrectly reporting information that incorrect. Im icluding my drivers license, ssn and supporting documents. I believe because Im from another country. When I called the nade fun of my accient as if they didnt hear the words coming out my mouth
Consumer complaint received 2019-11-18
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: CAPITAL ONE FINANCIAL CORPORATION (CT)

Capital One is making it hard for me to dispute transactions with my Credit Card. I am experiencing extended hold times for several hours. The customer service agents arent available. The phones do not work and the agents can not hear my voice. The quality of service for the phone call is seriously degraded. The process to dispute is confusing and results are sometimes unfair to the credit card holder. Further the reasons for the results are not given.
Consumer complaint received 2018-11-21
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. (IN)

In XX/XX/XXXX I settled and closed a credit card with XXXX XXXX that had a high balance of {$1600.00}. Subsequent to accepting a settlement offer XXXX has been and continues to report a high balance of {$13000.00}. Obviously since this is 12 times the original high balance it is a HUGE negative on my credit reports with all 3 companies ( XXXX, Experian & XXXX  ). I have disputed this many times, sent in copy of the last statement and called to no avail. HELP!! it is just wrong that XXXX is doing this and need your kind assistance to get it corrected. 

Am attaching a copy of the last XXXX statement upon which a settlement was negotiated and also a copy of Experian dispute results from XXXX.
Consumer complaint received 2023-03-26
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. (LA)

In accordance with the Fair Credit Reporting Act. The List of Accounts in my letter has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 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 or 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 cosumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccuarate.
Consumer complaint received 2023-03-26
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)

Please see inquiries below I don't recognize and I will also include a FTC report attach. 

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 2019-09-04
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. (CA)

I have incorrect accounts showing on my credit report for all 3 credit bureaus and I have individually disputed online and in physical letters to all 3 multiple times asking for them to verify proof of the various debts and they have not ever sent me back any verification. I have requested multiple times based on the laws and each time they just say its accurate with no proof given to me and leave the accounts on. I should not have these accounts still listed on my credit reports.
Consumer complaint received 2019-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

Since XX/XX/2019, I have been trying to freeze my credit report and obtain a copy of my credit report. I have called every week for several weeks and have attempted to order my credit report by phone, as well as two attempts to obtain my credit report and ask for a credit freeze online. None of my attempts have been successful, no one has contacted me regarding my requests, no credit reports have been sent to me, and no credit freeze has been initiated or verified that one is being processed. I would like a full credit freeze on XXXX, Experian, and XXXX, as well as a comprehensive credit report from all three credit reporting agencies and I would like your help in obtaining these requests.
Consumer complaint received 2018-11-21
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. (MD)

I am writing about the bad experience I had at the XXXX XXXX XXXX Dealership located at XXXX XXXX XXXX XXXX, XXXX XXXX, MD XXXX ; On XX/XX/2018. 


While at work, I received a credit monitoring alert that my credit was ran at XXXX XXXX XXXX XXXX, XXXX XXXX, MD XXXX location around XXXX XXXX XXXX XXXX XXXX. I notified the salesman of this error and he ask the Manger, XXXX if this was done. She said yes, and they would correct it. However, I would have not known of this egregious error if I have not been alerted. I call the dealership requesting an at fault letter : XXXX, dealership manager on duty said that one would be sent, but never received. That was on XX/XX/2018. Thats really concerning. She violated the Federal Fair Credit  Report Act, by running my credit without my permission. They were very unconcerned with trying to correct this very important and urgent issue. 

Second complaint with XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX, MD XXXX. My wife and I purchased two vehicles, one in XXXX and the other in XXXX. The vehicle purchased in XXXX, according to XXXX XXXX, they never received the payoff from XXXX. Because of this, my wife and I credit have been affected. Were both employees of the XXXX XXXX  and maintaining good credit is a must due to our security clearances. We have worked with a different manager at the dealership, which has been more helpful than the last. My wife and I are seeking punitive damages for these reprehensible acts. I have buyer remorse. This has taken a lot out of my already busy schedule to address this. 


Since we were recommended by a friend who said that XXXX XXXX XXXX always had a good reputation, thought youd like to know you just lost a potential customer because of these poor business practices.
Consumer complaint received 2019-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

This complaint is about suspected fraud activity on my Bank Of America debit card which I had no part in doing. The date reported was on XX/XX/2019 which is my birthday. I was home all day. A week and a half before this on XX/XX/2019 I lost my Bank Of America debit card and my drivers license which I suspect was at the gym. I went out of state for a couple weeks to New York so I had no idea because I was not using my debit card. My birthday was XX/XX/2019 and I came back home. I had no part in this issue. The original charge off amount is XXXX $ I had no part in taking this money out of Bank Of America.
Consumer complaint received 2019-09-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: American First Finance, Inc. (MI)

To Whom It May Concern, We purchased two mattresses from XXXX XXXX and they placed the Financing through American First Finance. Shortly after the Mattresses were delivered we moved my Mom to a home. We contacted XXXX XXXX over 25 times to return the mattress. No one contacted us back. We walked into XXXX XXXX to get assistance. They said that American First Finance had to arrange for the mattress to be returned. This going around in circles went on for two months. Then AFF said they don't take returns, They said XXXX XXXX had to pick up the mattress. We were paying {$70.00} week to AFF. We stopped making payments to get someone to help us. We finally got a Lady to help us. It took from XX/XX/XXXX until the very end of XX/XX/XXXX to get help. It took 30 days for them to find someone to come and get the mattress. They advised we had to donate the mattress and they arranged everything. The Company came and picked up the mattress. We called the day the mattress was picked up. They said they were working with the finance department to see what could be done. In the mean time they put this on my Husbands credit report as a delinquent account after they have financially XXXX us. We paid them {$1200.00} so far and they will settle the account for {$450.00}. The mattress we kept was {$990.00}. I have 100 hours on calls trying to get resolution. This is highway robbery and financial XXXX. 6 months of pure XXXX. The two mattresses were {$1900.00}. We returned one and they are still charging us {$1600.00} for one mattress and 6 months of XXXX plus they damaged my credit.
Consumer complaint received 2019-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Since XX/XX/2019, I have been trying to freeze my credit report and obtain a copy of my credit report. I have called every week for several weeks and have attempted to order my credit report by phone, as well as two attempts to obtain my credit report and ask for a credit freeze online. None of my attempts have been successful, no one has contacted me regarding my requests, no credit reports have been sent to me, and no credit freeze has been initiated or verified that one is being processed. I would like a full credit freeze on XXXX, XXXX, and TransUnion, as well as a comprehensive credit report from all three credit reporting agencies and I would like your help in obtaining these requests.
Consumer complaint received 2019-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MI)

I just got my updated annual credit report and there was a credit pull from XXXX XXXX in May of 2018 that I didn't authorize. I called the XXXX XXXX number on the credit report from Experian and they said they had limited ability to see my credit report. the lady kept saying it was a hold on my credit and I said, " No, it was a hard inquiry into my credit. '' She said that the department I called couldn't do anything. 
I called Experian then and they said I had to call the company. I told them that I had and they were no help. He said there was nothing he could do. Someone has to be able to do something.
Consumer complaint received 2019-09-04
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: REGIONS FINANCIAL CORPORATION (FL)

Last month Regions Loan XXXX # The modification was approved. The documents were printed with my ex-husbands name on them. Had to be redrafted. My home is in XXXX and im working interim in XXXX New docs XXXX out to my XXXX address and i returned immediately with notary however one page had an additional extra witness signature required that the notary here in XXXX stated was not necessary. Hence the documents were denied and a second set was set back to my home in XXXX and i was waiting on them in XXXX  the same address that they had just sent them. I was then told to download the XX/XX/30 docs from XXXX. I did and later that evening received an email that my deadline was last Friday the XXXX. 

Tuesday XXXX after over 20 calls and email unreturned i left two voicemails. Many disconnects on their line and no one at any of the three extensions that i had. 

Today i made my payment on time and submitted the corrected documents with a copy of my divorce decree a third submission. As of XXXX pst i was told that underwriting was not going to accept my modification paperwork. 

I am filing a complaint in a few minutes when the supervisor XXXX XXXX returns my call. 
I have never had regions successfully return a phone call so im very concerned that nothing will happen My home has equity and my loan is 300,000 plus.
Consumer complaint received 2019-09-04
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)

I have incorrect accounts showing on my credit report for all 3 credit bureaus and I have individually disputed online and in physical letters to all 3 multiple times asking for them to verify proof of the various debts and they have not ever sent me back any verification. I have requested multiple times based on the laws and each time they just say its accurate with no proof given to me and leave the accounts on. I should not have these accounts still listed on my credit reports.
Consumer complaint received 2018-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (MD)

According to section 609 of the Fair Credit Reporting Act ALL information that is reported to credit reporting agencies must be 100 % ACCURATE. Inaccurate and incorrect information has been reported. 
An incomplete account number is posted. 
There are missing fields of monthly data from XX/XX/XXXX, XXXX of the balance, scheduled payments, past due and remarks. 
Incorrect date of last payment differs the summary states XX/XX/XXXX, the last payment was made XX/XX/XXXX. 
Late payments fees was applied to the account after the account was closed. 

I sent a notice of dispute on XX/XX/XXXX via certified mail, company received a letter of disputed on XX/XX/XXXX, I then sent another XX/XX/XXXX asking them to delete this account off of the Credit Report for inaccurate information and failure to provide me with viable evidence bearing my signature. I still had not heard anything in response to my request.