davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-07
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

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 2023-04-07
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. (FL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2024-03-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

n accordance with the FCRA, the following accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts must be removed immediately, ( 1 XXXX XXXX XXXX XXXX, ( 2 ) XXXX XXXX XXXX. 15 USC 1681Section, 602 ( a ), states I have the right to privacy, 15 USC 1681, Section 604 A2, also states that a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681 c ( 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. Lastly, 15 USC 1681 s-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 in accurate.
Consumer complaint received 2020-12-16
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: EQUIFAX, INC. (MA)

Dear Credit Bureau / XXXXXXXX XXXX XXXX XXXX  Account # XXXX Im still shocked that you continue to report this above auto loan account into my credit, and you failed to truthfully verify & investigate this account thoroughly. I just include a screenshot below that shows several inconsistencies, misleading, incomplete information on it. Its my understanding that the consumer laws clearly state that information on individual credit reports needs to be reported 100 % accurate and it needs to be 100 % verifiable. As you can see the information below, its not 100 % of either and its reporting misleading and incomplete information. Therefore, its impossible that you verified. Actually, XXXX deleted it immediately from my credit because of these several violations that I pointed out below and I demand that you DELETE it from my credit as well. Its causing this account to illegally re-aged, which is a violation under the provisions of FCRA, and therefore, it can not be reported on my credit report. For example, The HIGH CREDIT BALANCE is different between the 2 credit reporting agencies ; one reports {$9300.00}, and the other {$4300.00}. Its my understanding that the HIGH BALANCE on the charge-off account needs to be higher than the actual balance but not in this case and it needs to be reported. Again, this account is in violation of my consumer rights and it needs to be removed from my credit report. It unverifiable and its reporting incorrect, inaccurate, misleading, and incomplete information. Its completely inconsistent!
Consumer complaint received 2020-12-16
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. (NC)

Equifax refuses to update my XXXX XXXX credit card balance to {$0.00} owed. They continue to report that I have a {$330.00} balance, when XXXX XXXX and XX/XX/XXXX updated this account to report a {$0.00} balance owed some time ago. I have made numerous requests for Equifax to make the appropriate correction, but they refuse to do so. The account number for this phantom account is XXXX.
Consumer complaint received 2019-05-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION ()

my complaint is that I am buying shares from a company in XXXX ( XXXX ) and I live in XXXX. the bank is in XXXX. 

I have called many times to complain that they are stopping the payment through my XXXX account to buy the stock. it is anywhere from 10 to sometimes as much as 300. 

I have called them over 20 times since starting to buy the shares ( almost XXXX ). and many times they stopped the payment to the XXXX account. or even sent emails notices that there is a security problem in my account ( XXXX-XXXX-XXXX ) and now today I get still another email that there is a security concern with my credit card. I called them still again and I told her I did not want to speak to people just going over a scrip but to a manager. She put me on hold and no one ever came back on line and it 'timed out '. 

This is unusual for this but I know they have clients all over the world. so, why is this such a Hugh problem for them to correct?!?!?!? 

I have called every time and still the problem exists. the USAA bank in XXXX XXXX is not really doing anything for my problem. with more than 15 times calling over a few months is just to much to take now.
Consumer complaint received 2020-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Caliber Home Loans, Inc. (NY)

I have sent an RFI to Caliber on XX/XX/2020 to which I got only a partial response. I did get a payment history which seemed confusing and I had sent a second letter to Caliber on XX/XX/2020 questioning some of the charges which seem to be questionable and don't add up. I will attach the letter I sent to Caliber along with the payment history which I am questioning. So far I got no response and the continued reporting of erroneous data is detrimental to me. 

Other issues of reporting are as follows : The full 7 year payment history is not listed High balance of {$250.00} is not accurate Date of first delinquency is not listed
Consumer complaint received 2019-05-08
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: CNG FINANCIAL CORPORATION (AR)

I was contacted by a company called XXXX and was told I had a " summons '' and if I didn't pay $ 900+ a judgement was to be entered against me. I asked for what and where. I was told it was a " payday loan '' from 7 yrs ago, that I had STOPPED paying. I asked further about non-existent summons, told them I live in Arkansas and " payday loans '' are illegal. I was told it was from a XXXX  XXXX XXXX but they could not tell me where. They had at least the last 4 digits of my social security number. I also contacted XXXX  XXXX XXXX after looking them up online and was told the had no record of me having any loan from any of their locations. It was either a scam or someone has used my identity. The number I have for this XXXX is XXXX. My name is XXXX XXXX as and can be contacted by XXXX, or XXXX Thank you for your time and attention.
Consumer complaint received 2019-05-08
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. (CA)

I have a mortgage with XXXX/XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX/XXXX XXXX and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, Equifax, XXXX, and XXXX/XXXX XXXX   with no successful resolution. XXXX, XXXX, and Equifax reporting me 150 days late payments. There was an error on their part. I was never 150 days late.
Consumer complaint received 2019-05-08
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. (CA)

I have a mortgage with XXXX/XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX/XXXX XXXX and  they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, TransUnion, and XXXX/XXXX XXXX with no successful resolution. XXXX, TransUnion, and XXXX  reporting me 150 days late payments. There was an error on their part. I was never 150 days late.
Consumer complaint received 2019-05-08
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 (NC)

Back in 2012, my {$200.00} XXXX Secured Credit Card was still open and was fraudulently used and allowed to soar past {$420.00} high limit. While the company gave me back my security deposit ( with no interest I might add ), they said I had to pay the balance in full or otherwise it would be reported as a collection on my credit report. Capital One should be fined for this type of activity for conveying a threat to a customer and forcing them to make payments on purchases they did not make and refuse to send any supporting documentation with my signature. I should be refunded with full restitution of any money over {$200.00} plus interest plus damages to my credit for years and having to pay higher interest rates due to their inaction and non-compliance with federal financial rules and regulations. 

Important Note : The President of the University without notice decided that no further personal mail would be allowed through the University mail system. I was a new hire and went to my superior to inform him I was still living in a motel and could not change the address to the motel as it sometimes changed based on pricing. This caused a dilemma.
Consumer complaint received 2019-05-08
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. (MO)

As a Missourian in concert with the state law one has the right to bring civil action against anyone including a consumer reporting agency, inwhom improperly obtain access to a file knowingly misuses file data, or fails to correct inaccurate file data. My instant issue here is that I have sent a demand to all of the 3 major credit reporting agencies to either provide me with physical documentation of these unknown and unauthorized accounts reporting on my credit file or to block, remove and/or delete these items immediately Pursuant to FCRA 611 ( a ), and the FCRA. 

Accounts 1 ) XXXX XXXX {$4500.00} 2 ) XXXX  XXXX XXXX {$30.00} 3 ) XXXX   XXXX XXXX {$680.00} 4 ) XXXX  {$72.00} 5 ) XXXX {$71.00} 6 ) XXXX XXXX   XXXX  XXXX 7 ) XXXX XXXX XXXX {$140.00} 8 ) XXXX XXXX XXXX   {$5600.00} 9 ) XXXX XXXX {$2800.00} Please remove all the about accounts from my credit data file.
Consumer complaint received 2023-08-25
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Westlake Services, LLC (TN)

Purchase and sign for a XXXX XXXX XXXX  XXXX on XX/XX/XXXX with XXXX XXXX XXXX XXXX and Westlake financial. XXXX weeks later I was told by Dealership that my contract fell through because I couldn't be verified. I was already verified with fiance company on XX/XX/XXXX. Dealership stated that I need to find someone else to fiance after he ran my credit through another company. I eventually found a company to fiance but the price went from XXXX to XXXX. I refuse to fiance XXXX because the price advertised was XXXX. In the process the truck broke down and I paid for repairs and I told company this. On the XX/XX/XXXX Dealership stated I need to bring truck in until things are resolved. I ask about down payment he stated that fiance company has money and that they will refund the payment. I need help nothing makes since about this deal
Consumer complaint received 2019-10-02
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (FL)

They have dragged the remodification process out for over XXXX   years. They was always a missing document or piece of information requested. By the time Id receive notice, other forms expire and wed have to start over. I was recently denied remod again due to paperwork. They have changed their phone system to where you need an extension to speak with someone to resolve this issue. I have no extension and can not move forward, the call drops.
Consumer complaint received 2023-06-13
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: EQUIFAX, INC. (GA)

I have previously disputed US BKPT CT XXXX XXXXXXXX / XXXX # XXXX < with you and in response you verified the item as accurate stating that you have verified the information with the court. I contacted the court and their response is enclosed. It is clear they do not report to you or any credit bureau for that matter ; therefore your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately.
Consumer complaint received 2019-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MA)

Experian doesnt want to delete the XXXX XXXX account on my credit report. I was told by them that the information was verified with the original creditor and that is completely false because I contacted the original creditor myself and they arent reporting anything to Experian, the account was sold to a company called XXXX XXXX and I also contacted them and they sent me a letter saying the same thing, they are not reporting anything to Experian. I want Experian to tell me who did they verify the information with because I am sure it wasnt non of these creditors, XXXX  deleted the XXXX account without any problems, I told them what was going on and they deleted the account. I want this account deleted because it is not being reported accurately and there is no creditor reporting it. I would also like the phone number of the person that Experian contacted to verify the information and also the name of the person that they verified the information with.
Consumer complaint received 2019-10-02
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. (IL)

received a letter from XXXX denying my increase request due to too many inquiries. to my knowledge i have 3 inquiries over a 2 YEAR period. i'm pretty sure thats NOT too many. so i try to get my report from equifax. i fill out all of their information, select the option for free report due to increase denial, submit and get the error i can not get my free report and i have to call equifax. this is a LOAD of XXXX. if the site doesnt work take it down. if i wanted to sit on the phone with their " customer service '' for an hour i would have done that to begin with. there was NO reason to deny my report request.
Consumer complaint received 2019-05-08
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PHH Mortgage Services Corporation (FL)

Spent 1/2 hour on the line with PHH Mortgage and my new lender XXXX XXXX XXXX and after EXHAUSTIVE verification that it was me, they STILL refused to share required information. They demanded the request be made IN WRITING and require 7-10 business days to authorize the communication with the new lender. Spoke to XXXX employee ID XXXX and then to supervisor XXXX employee ID XXXX who stated loans for properties in Iowa, North Carolina, Vermont, or Texas, Home Equity Lines of Credit or HUD loans needed to submit requests in writing. My loan fall under NONE of these categories.
Consumer complaint received 2019-10-02
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: AMERICAN EXPRESS COMPANY (PA)

After waiting for almost three months now from my first complaint on XX/XX/2019, the membership reward points transfer to airline still does not work for my American Express account, as I tried today, XX/XX/2019. 

I did apply for a new Platinum XXXX XXXX card on XX/XX/2019, but that was a month and a half ago from now. American Express claimed that this was the reason that caused a delay on my Membership Rewards review in their response to my second complaint on XX/XX/2019. But I have paid all the spending in full, fulfilled the spending requirement for the card opening bonus, and also paid the annual fee in full. 

I do not understand why this is taking so long, and what American Express is reviewing. I requested American Express to provide me with information that I can help them to understand my spending and the estimated review end date in my second review I submitted on XX/XX/2019, but they failed to provide me with such information I requested in their response. 

I have been a loyal American Express customer. But since their response without helpful information to my second complaint, I have switched to use other card providers more than American Express cards. As I mentioned in previous complaints, I have been planning for a vacation, and reward tickets go out of stock fast. If this frustration continues, I will reconsider if American Express cards suit my credit card needs.
Consumer complaint received 2019-10-02
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. ()

I have a XXXX Credit Card. I had a non-interest promotion. I was paying more than the Minimum Payment and was not aware that payments would need to call every single payment in and ask them to allocate them to the designated promotion. I speak English and understand it with certain limitations. I prefer to have documentation in XXXX when it comes to terms and conditions. I received an email advising that my Balance and increased due to an expired promotion. When I tried to asked to see if promotion bal. could be allocated to the promotion since payments were being made over the minimum and I was not explained the allocation process. and there is no way to directly allocate payments to promotion online. I was simply told there was nothing they could do because it was expired and I will have to pay the balance. I asked to speak to a manager and the manager told me that terms for allocation process are given to customer when they sign up for the promotion that it was my responsibility to make the payment as agreed, and simply it was my fault for not reading the fine print. My son who works for a credit card company tried to call and advised to them the terms are misleading since on statements it does not advised that when getting closer to the expiration of a promotion notifications are not advised in detail to how to avoid this or explains to a customer the process. I became ill and had to be hospitalized for over 3 months starting back in XXXX of 2019. When I was discharged from the hospital I had called all my credit cards, mortgage, and they were able to removed late fees and int. charges during the period of time I was hospitalized. however this credit card told me that they had already waived 1 late fee in the past 12months and that they were not able to help in anyway they told me that I would be forced to pay the fees and int. and that they would not adj. the minimum payment prior to the time in the hospital. We are now in XXXX and I have a Balance that has increased with fees and int. and an increase to the minimum payment that as a retired senior citizen I am not able to pay.
Consumer complaint received 2023-07-06
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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.