davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-17
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. (LA)

n accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXXXXXX, 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
Consumer complaint received 2020-09-23
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. (NY)

After purchasing a copy of my credit report, I was able to locate a series of negative accounts, that are preventing me from moving forward with my financing. With this in mind, I decided to contact the credit reporting agencies, to have them help investigate these events.

I understand that, the credit reporting agencies, have been granted a " relax enforcement standard '' from the CFPB to allow them to either delay, or not respond to my dispute request. However, according to section 1681i of the FCRA, the credit reporting agency, are bind by law, to respond within the highlighted time frame to avoid a possible civil case against them. This is in compliance with section 616, and 617 of the FCRA. It has been more than 45 days since, I requested these items to be properly investigated. I have yet to received anything back from them.
Consumer complaint received 2022-08-17
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. (LA)

I've tried to get these issues fixed on more than one occasion. I've also sent a complaint to my local Senator 's office because I'm not getting any results. What's most upsetting is, that I've sacrificed my life for this country, and now a XXXX Veteran is being treated unfairly in my country. I asked for an investigation that was not thoroughly completed. I sent letters out on XX/XX/2022 ; XX/XX/2022, and XX/XX/2022, to XXXX, TransUnion, and XXXX. Here is my tracking XXXX ; XXXX ; XXXX. However, the credit bureaus said they completed the investigation and everything was 100 % accurate.

According to the law 15 U.S. Code 1681a- Definitions ; rules of construction The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who did they talk to? 

How did they complete this investigation?
Consumer complaint received 2018-08-27
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo Home Mortgage took an additional payment out of my checking account without authorization from me. When i requested the refund, they refunded the money to someone else account. This cause me to have several NSF fees and caused issues with my employer ( XXXX XXXX XXXX ) as we are held to high standards as it pertains to our personal life. Wells Fargo continued to ignore the issue and eventually refunded a portion of the NSF fees. When i asked for a letter from them showing that it was their error, they just completely blew me off. After repeated calls I finally got a copy of a letter a month later. They never refunded the remaining NSF fees.
Consumer complaint received 2023-03-09
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. (NV)

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX  XXXX Balance : {$150.00} ; XXXX XXXX XXXX Balance : {$32000.00} ; XXXX XXXX XXXX XXXX Balance : {$260000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX.
Consumer complaint received 2022-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

There are inquiries on my credit report, that do not belong to me and are deemed fraud. These accounts do not belong to me. I have reached out to XXXX, Experian and XXXX to rectify the fraud accounts. These fraud accounts are hindered me and I need them removed asap. Below are the accounts which are fraudulent. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-17
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Exeter Finance, LLC. (MD)

I traded in my vehicle on my loan for another used vehicle and switched financing companies. Exeter is still showing my old car, my old loan balance, and stating I have a payment due at the end of the month. Upon calling multiple times, I was met with resistance and told I need to call my new lender, which I did, and they said it is Exeter 's responsibility to get a hold of my new lender to get this resolved yet no one at Exeter willing to help fix this.
Consumer complaint received 2021-07-15
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: Prosper Marketplace, Inc. (CA)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2021-07-15
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: JPMORGAN CHASE & CO. (CA)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.
Consumer complaint received 2023-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NV)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here are the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NV XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX NV XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX {$3300.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NV XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2019-06-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (OH)

Navient Student loans : I have been unable to figure out why, when I make an overpayment, my due date is not advanced when I direct it to be. I have gotten several different answers, including from customer service management, none of which make sense to me. An example : In XX/XX/2019, my amount due for that month was {$0.00} on XX/XX/XXXX, because I had made an overpayment already to advance this to XX/XX/XXXX. In XXXX, I made a full payment anyway, distributed as per federal requirements, and had instructed them to advance the due date. Despite this, my due date was not advanced, and remained XX/XX/XXXX. What Navient is saying is that, despite having a {$0.00} balance in a given month, I would have to pay two full monthly payments anyway, in order to advance the due date by one month. This makes no sense, as both payments would already be overpayments.This has happened to me repeatedly over the past two years. I have contacted them numerous times ( for which I was given different explanations and told it was fixed ), and it took a year ( and me directly emailing their CEO ) in order to get the above explanation ; which I still don't think makes any sense.
Consumer complaint received 2018-12-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Certegy Holdings, LLC (MI)

Tuesday, XX/XX/2018 On attempting to pay for an item at Michigan 's XXXX XXXX XXXX in XXXX on XX/XX/2018, Monday, my check was declined. No explanation was given. 

What confounded me was the fact that I was able to complete a purchase with a check approximately one hour previously, at the Michigan 's XXXX XXXX XXXX in XXXX Michigan. 

I immediately contacted my financial institution and was told there was nothing wrong with my checking account ( as expected ). I have excellent credit and certainly had the funds to cover the check, so I went online to inquiry from the company that XXXX XXXX uses to certify check information : https : //www.askcertegy.com/CheckSearch.jsp After entering my complete information, it said it could not find the check!? Upon further investigation, I find that I'm not the only person whose check was rejected without warrant. 

https : //www.consumeraffairs.com/finance/certegy.html Here is the information that was provided on my receipt after purchasing the item with my credit card ( which was approved ) : " DEAR XXXXXXXX XXXX CUSTOMER : We are sorry that your check could not be authorized. This decision was based, in whole or in part, on infor mation provided by Certegy Check Services. Inc. Pursuant to the Fair Credit Reporting Act. you have a r ight to a f ree copy of your file ( i.e. Consumer Report ) from Certegy for a period of ( 60 ) days following the date you receive this notice and you also have the right to dispute the accuracy or completeness of any i n f o rma t i o n i n t h e fi l e. I n i t s r o l e as a consumer reporting agency.

Certegy did not make the decision not to authorize your check and is unable to provide you with the specific reasons why this action was taken.

However, in its role as an author ization service for our company.

Certegy can provide information to y o u. To r e c e i v e t h i s i n f o rma t i o n o r to obtain a copy of your file, please cal1 : Certegy Customer Care Line at : XXXX o r w r i t e XXXX XXXX XXXX XXXX. FL XXXX THANK YOU FOR SHOPPING AT XXXXXXXX XXXX! 

Please investigate this company " CERTEGY '' Thank you
Consumer complaint received 2019-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TN)

There are several address on my credit report that I have never lived at. I don't think it really is hurting me but I would like for them to be removed. XXXX XXXX, XXXX, OH XXXX,XXXX XXXX XXXX XXXX , XXXX  , TN XXXX,XXXX XXXX XXXX XXXX , XXXX, TN XXXX,XXXX XXXX XXXX XXXX , XXXX, TN XXXX. My current address has always been XXXX XXXX XXXX XXXX XXXX, TN XXXX.
Consumer complaint received 2021-07-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (FL)

I dispute this account information that XXXX has on my created report and they refused to take it off I have not had any insure with XXXX. they say I do. my son with the same name as mine had progressive. they keep saying it's mine. I called them and asked for the paperwork with the signature page they told me they don't have it and refused to send me what they have You have 100 % left to pay on this collection. I am XXXX XXXX XXXX not XXXX XXXX XXXX or the 1st Balance {$170.00} Highest Balance {$170.00} Opened XX/XX/2019 ( 2 yrs, 6 mos ) Account status Open Type -- Responsibility Individual Remarks Consumer disputes this account information Original Creditor Name XXXX
Consumer complaint received 2020-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CO)

I sent a letter to the credit bureaus on XX/XX/2020 to remove the following incorect addresses and incorrect names from my credit report. I have not received any mail back from them and I have proof of mailing. It has been over 30 days, I demand that the following information be deleted : XXXX Incorrect Names : XXXX, XXXX, XXXX XXXX, XXXX, XXXX  XXXX, XXXX, XXXX  Incorrect Addresses : XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX  Incorrect Names : XXXX XXXX XXXX XXXX Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX Equifax Incorrect Names : XXXX XXXX XXXX Equifax Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX Proof of mailing to bureaus and proof of identification is attached
Consumer complaint received 2019-08-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch (MS)

XX/XX/2018 a purchase was made at XXXX XXXX in XXXX  Louisiana in the amount of $XXXX. The account used was my daughter's checking account number, but my name was listed as if it was my account. The bank, XXXX of MS, detected fraudulent activity on the account and contacted my daughter and stopped payment and closed the account. I received notification from collection agency and went to my local bank and the officer at the bank called the company and explained to them that I was not on the account that was used. I am continuously getting phone calls and currently unable to write a check anywhere that XXXX  is used. I have submitted all documentation that they have asked for. A police report was filed by my daughter. This was never my account. I have never been to XXXX LA or purchased anything from XXXX XXXX.
Consumer complaint received 2018-09-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (CA)

The attached letter to Wells Fargo explains the problem in detail. When this letter was sent to Wells Fargo, it was initially ignored. It was sent again, with help from a local news station, and this time I received a response from the bank stating that they will never refund me any money from this.
Consumer complaint received 2018-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (TN)

I have attempted to get my free annual credit report from Equifax, repeatedly. When I attempt to request it be mailed to me, they require information used when I created an account with them, online, almost 20 years ago. When I attempt to update log in information so I can access my report, I can not locate this option. I attempted to request a digital copy, but though the request went through, their " download '' link seemed disabled. I tried again on a different device and received an error saying digital format was unavailable. When I tried to file a dispute, they requested verification of identity, but all of the questions/situations offered were unfamiliar to me, then I received an error stating the information I entered didn't match their information. 
I have attempted, numerous times since creating initial account, to request a copy of my report, and have hit a brick wall every time. I feel they are intentionally making the process such that the average person can only complete it once ... EVER, using the logic that if you were able to complete it once, no matter how long ago, they fulfilled their requirement to issue a free credit report as required by law. Please look into and resolve this issue.
Consumer complaint received 2018-12-22
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT ACCEPTANCE CORPORATION (AZ)

i was called by a person who passed herself off to be a medical person or close relative that my wife thought she was. than the woman wouldn't give her or me any information until i said who i was. she than said the information was being recorded. she stated that i owed XXXX and that it was in collections. i told her i don't owe that much and that the bankruptcy trustee paid them XXXX she refused to accept the amount i said i would try to pay and she refused to listen to me and said something like she didn't half too. she told me to have a blessed day and hung up.
Consumer complaint received 2020-02-05
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: EQUIFAX, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$500.00} I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2016 with a credit limit of {$500.00} -This is not my account.
Consumer complaint received 2019-01-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (FL)

My husband and I obtained a mortgage as co borrowers. he was later diagnosed with XXXX. when he passed away I made the mistake of furnishing a death cert. the account then changed to the estate of my husband.

In 2018 I paid off the mortgage with an escrow balance. the balance was sent to me in the name of THE ESTATE OF ... .I CAN NOT CASH THE ESCROW REFUND. I am told I have to open up probate in order to cash the check ...

II have tried several times to fix this, I hired an attorney to try and straighten this out. since I am co borrower the title goes to me. the lender never contacted me about the attorneys letter and the return of the check. the lender never voided the returned check, and will only issue a check in the estate of my husband.

I am told I have to open probate for one check. everything else was put in my name because he knew he was going to lose his fight with XXXX.

Is there anything I can do? I need help. being a widow is bad enough on social security without having to take care of things like this.

the lender was supposed to pay the property taxes out of escrow and did not. forcing me to take money I dont have out of pocked to pay the property taxes on time. this is a hardship. please help
Consumer complaint received 2019-01-14
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. (FL)

Transuion XXXX and XXXX have dropped my fios score by 8 points I have never had a late payment, balances have been reduced was 138 now 130, no new inquires, tried to reach all 3 with disputes, all will not answer, hing changed in my credit report, please help
Consumer complaint received 2018-08-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC (NJ)

I have asked this company to very the debt with a dispute letter sent on XX/XX/XXXX of this year as this is not owed. They have not responded and I would like this entry on my XXXX credit report deleted.
Consumer complaint received 2021-07-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (MA)

I have been a customer of Chase 's Southwest 's Rapid Rewards Plus credit card for over 5 years. When I initially signed up, the benefits were great and owners of the card had the benfit of reaping rewards when booking through southwest and using the card while flying with them, it was worth the annual fee of {$69.00}. 

Over the years the rewards have been pared back, and it has become the card with the least amount of features in the product line. I have called Chase multiple times because I do not want to stay with a card that has an annual fee, and I requested a product change. 

Chase has told me that, even though they service the card, you can not leave a " partner product line '' which southwest counts as. I am trapped in the Southwest product line and there is no card option that has no annual fee. I feel cheated and that my only option is to close my account, which has my longest credit history, and will result to a massive hit to my credit score. This will impact my ability to buy a home, get a better credit card and if I keep the card over the next 10 years, and not spend a dime : I will owe {$690.00} in annual card fees, unable to leave. That isn't right and they say they " can't '' move to another product.