davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-09
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)

When I call or try to log on to Transunion 's website I always get an error message to try again later. This has been going on for a little while now. I need to be able to see my credit report and score
Consumer complaint received 2023-05-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY (OH)

On XX/XX/2023 Wells Fargo received validation request letters by me, the consumer, under the authority of The Truth in Lending Act and the FDCPA disputing the debt asking for proof of the alleged debt Wells Fargo claims it is owed to them. Wells fargo failed to respond to my letter or provide any evidence of a debt within the 30 days that the TILA and FDCPA allows. This alleged debt must be fraud for the creditor has not answered any of my questions. see attached letters mailed to wells fargo.
Consumer complaint received 2023-05-09
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Aldous & Associates, PLLC (FL)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
Consumer complaint received 2020-09-24
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. (TX)

XXXX XXXX shows charged off in 2018 on my three credit reports. After the charge off XXXX XXXX shows account open and late payments on the same account. I have disputed due inaccurate information with all three credit bureaus. The bureaus refuse to remove the inaccurate information and XXXX  XXXX  refuses to remove inaccurate information for years now. This is affecting my credit score for years now. This is against the Fair credit reporting act. This company is knowingly keeping false information on my credit report.
Consumer complaint received 2023-05-09
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: EQUIFAX, INC. (GA)

You are in direct violation of the fair credit reporting act XXXX XXXX XXXXXXXX has violated several of my rights. 

15 U.S.C 1681 sec 602 A. Clearly states that I have a right to privacy.

15 U.S.C 1681 sec 602 A. Also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B. A creditor may not treat a payment on a credit card account under a open-end consumer credit plan as a late for any purpose. 

Remove these late payment and update this account immediately as you are in direct violation of several laws under the fair credit reporting act.
Consumer complaint received 2023-03-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (MA)

I sent a validation letter to this company, I asked them to provide me with the documents that say that I have an obligation to pay them, the original contract with my signature on it and they only sent me a copy of a bill which it does not prove that the debt is mine, I need this company to send me all of the documents that I asked for, I want to see the original contract that obligates me to pay them, by law I have a right to see the original contract and it must have my signature on it. Even the address on the bill that they sent me is incorrect, that is not my address. This company put a collection on my credit reports and this is affecting my credit score badly. This company has not proven to me that this debt belongs to me, in order to do that, they must provide me with the documents that I asked for.
Consumer complaint received 2016-07-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: SUNRISE CREDIT SERVICES, INC (CA)

i had to choose one of the above -- the agent did not use obscene or profane language -- just tried to use intimidation tactics- when she was asked for documentation of the underlying debt- see below I was authorized by my mother to try and settle this debt-my mother did n't remember ever getting the att alarm service this stem from- as she has had XXXX since XXXX when i asked to verify the debt XXXX at sunrise debt- said that if she gives me that information- her settlement offer will be off the table and the full amount would be due- and that she would make a note that i refused to pay the debt. i am not even the debtor- my mother is.. then i asked for a supervisor - she said she had none- i got a bit upset- may have taken a bad tone and it took much work to finally get her to let me speak to XXXX- her manager- i explained to XXXX- that her age XXXX threatened to not settle the debt -- just because I asked for something that i was legally entitled to .... the phone number for sunrise is XXXX
Consumer complaint received 2023-05-09
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following account has been paid but Transunion, XXXX, and XXXX have been reporting as follows : XXXX ACCOUNT NUMBER XXXX BALANCE - ACCOUNT OPENED ON XX/XX/XXXX REPORTED AS LATE. XXXX XXXX XXXX ACCOUNT NUMBER XXXX BALANCE {$960.00} ACCOUNT OPENED ON XX/XX/XXXX REPORTED AS COLLECTION. 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-05-26
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. (AL)

X/XX/17 .  I went to   XXXX   XXXX   XXXX   and they pulled my credit for a payday loan. I got a alert from credit reporting agency that they informed me i had a inquiry on my credit report. Then  two  weeks lat er  X/XX/17  I went b ack to the branch and rewrite my contract and i got another alert stating that   XXXX   XXXX   XXXX   did another credit inquiry. I do n't like this idea at all .It affecte d my credit score. I was n' t informed that they would do this to my credit. I did n't see any signs in the building stating they pull credit. I called the home office in TN and they could n't answer my question. They took my name and said they will have someone to call me. I 'm thinking as a PAYDAY LOAN why would they pull my credit if they ask you for a blank check, pay stubs, bank statements, proof of address, social security card and Driver license. I do n't like how they do business here. Please help me get this resolve. Thank You In advance
Consumer complaint received 2023-05-09
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I called XXXX XXXX numerous times to get a credit card i never applied for removed. I went into a bank branch at XXXX XXXX XXXX XXXX to replace a damaged debit card and was told that due to our commercial account being in good standing we were pre approved for a XXXX line of business credit. They had me fill out a form and came back and told me i was denied. I thought pre approved meant no credit check. The bank teller named XXXX ( who is no longer employed by XXXX XXXX ) informed me that i was approved for a XXXX credit card instead. I turned down the credit card flat and she informed me that the account was already opened. This is i believe a bait and switch. Anyway i refused the card. They apparently mailed out a card to someone and claimed that it was used by me. I do not have their card nor have i ever accepted the card. They opened it without my permission, admittedly closed it to a XXXX balance and opened a second card and issued it to god knows where and whom. I filed a complaint under the class action XXXX vs XXXX for which a settlement check was sent to me for XXXX something dollars. XXXX XXXX refuses to abide by the settlement and continues to dispute my dispute with the credit agencies that i do not owe them anything. Instead they have me listed as owing them over XXXX XXXX dollars. Please help as this has been ruining my credit for the last 5 to 7 years.
Consumer complaint received 2023-10-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: NEW YORK COMMUNITY BANCORP INC (CA)

I have received three notices about hazard insurance coverage for my home. I have maintained adequate insurance coverage for the life of my home ownership and more importantly, the duration of the loan which I entered into in XXXX  I submitted insurance coverage information when I received the loan. 

My mortgage was bought and sold multiple times. I have not once had an issue with a bank requesting additional insurance information. 

Once the loan was sold to flagstar bank, I have received multiple notices requesting insurance coverage information that the other banks already has access to. Included in the notice was a threat to automatically sell me insurance coverage that may be significantly more expensive and may not provide as much coverage as insurance that I would purchase on my own. 

I submitted the information requested using their methods and I continued to receiver these notices. The practice is predatory and confusing. I have no doubt many consumers have paid overpriced insurance that was not needed.
Consumer complaint received 2021-05-10
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MS)

On XXXX/XXXX/2021 I mailed a letter requesting an investigation about questionable accounts showing on my credit report. It has been almost two months and I still haven't received any results of an investigation.
Consumer complaint received 2023-05-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

i pulled my credit report recently and notice unauthorized inquiries from the following companies. 

XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX
Consumer complaint received 2022-01-08
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. (CO)

Today CITI employee asked for SSN, I protested and he corrected last 4, I don't believe this was a mistake! XX/XX/XXXX a {$100.00} XXXX XXXX XXXX was stolen immediately after it was insured, it took me until XX/XX/XXXX to realize after I checked with XXXX who gave me a fraud case number and explained it is an inside job, I shared with CIT Thank You Points person who stated the points would be returned to my Thank You Points account, they have not and in the last year over 50 calls, emails, chat and 'how we doing " responses have been ignored. I am failing to get help from their customer service, I believe Citi are deliberately blocking these points because they are about to collapse, I have also noticed that there are thousands of missing points. I need your help. I have been a customer for almost 10 years, I pay my card off each month, I'm a reliable and patient consumer, but this is it, I don't trust them I need your help. Thank you, XXXX
Consumer complaint received 2023-05-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bull City Financial Solutions, Inc (TX)

This company and several before it have tried collecting a debt of XXXX XXXX I tried several years ago to verify this debt with the original creditor duke energy. They have no record. I have gotten this account removed several times and it just changes hands and hits my credit over and over again as a new debt. I have called recently to XXXX XXXX ( XXXX ), again no record of debt. I do not owe this money and have never owed this money. I disputed last month because it hit my report again but I notice my social was wrong, so I called XXXX and you know what happened? They changed the social! What kind of XXXX is this? Are credit bureaus and debt collectors working together now?
Consumer complaint received 2023-05-09
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. (VA)

Law offices XXXX placed a medical debt on my report, i sent a certified letter requesting full validation of debt which i havent received. As well as the debt to be validated before reporting on my credit report which they are reporting to all 3 bureaus with out my consent or validation of debt as requested.
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2019-04-12
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. (MI)

A few days ago XXXX reported a remark to the credit bureaus regarding an account that was paid in XXXX of this year. How can they remark on a closed account? First they reported incorrect information on my credit report about the payments I made and the amount of time they were supposedly late. I have proof that I made payments and that the amount I paid was more than what they listed on my credit report.
Consumer complaint received 2019-08-29
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. (NY)

XXXX - XXXX XXXX # XXXX is reporting a balance that should not be there. I returned this car back in XX/XX/2016 and I should not have any missed payments or a balance after that. I have no legal obligation to pay this and there should not be a balance.
Consumer complaint received 2017-01-21
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BANK OF HAWAII CORPORATION (HI)

I applied for a car loan with Bank of Hawaii in XX/XX/2016. I decide to check my credit report to see if the loan was reported to the credit bureaus ( building my credit ). Upon me checking I notice the amount reported was different than the amount I signed my contract for. So I got on the phone to contact someone from Bank of Hawaii to see why my balance was different from what was agreed to in my loan contract. As soon as I started explaining I was told this always happens and I just need to file a dispute with the credit bureau. After filing a dispute with XXXX the amount adjusted was still wrong as reported by Bank of Hawaii and higher even with my payment I had submitted. I called BOH again to see if I can get a breakdown of my payments sent to me up to final payment and was told no. So I decide to file another dispute to see if I can get the balance reported corrected via XXXX. Again the amount reported came back wrong and my credit score took a dip down on both reports. Last week Bank of Hawaii finally reported the correct amount to both credit bureau that was on the contract I signed. But this time when they reported it, my payments made were not reported and my credit score took another dip down. I call Bank of Hawaii today to see if we can get this fixed where its shows what I received via my loan statement as up to date. And again I was told that I will need to file a dispute via the credit bureaus.
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FIRST HORIZON BANK (NC)

First Horizon has falsely claimed to repossess a vehicle from me and claims a balance of {$2900.00} was written off and closed. Since XXXX  this false information has impacted my credit significantly in a negative manner. Ive shown proof of this company over charging the monthly car payment since they took over the original bank that financed the vehicle ( XXXX XXXX XXXX  ). Ive never been late on a payment and my vehicle was never repossessed. First Horizon claims to have zero statements or documentation of proving that their information is correct yet refuses to correct information reported on my credit.
Consumer complaint received 2019-10-09
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. (PA)

Trans Union To Whom it May Concern, Upon doing a recent review of my credit report. Ive noticed that their are inaccuracies with the Department of Education. XXXX account number ( XXXX**** ) and account number ( XXXX**** ) ( XXXX**** ) has Discrepancy in the balance, account number, date open, date closed, account rating, creditor type, payment status, last payment, account type, payment frequency. Not to mention the inaccuracy of the payment history. Please also tell me how an account can be current if the account is closed. 
XXXX and XXXX are reporting different from what you are reporting. If this is the same account being reported by the same creditor, how are these numbers and other verbiage different? 

Because of this apparent neglect, and ensuring that everything on my account is accurate, consistent and up to date. Please delete this account immediately because of the negligence from the original creditor to the credit bureau and in inaccurate information that is supplied. 

I have enclosed a screenshot for your viewing pleasure. Please see all of the highlighted sections that I have outlined for you. 

Thank You XXXX XXXX
Consumer complaint received 2022-01-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (KY)

( Enhanced Recovery Company ) at ( XXXX XXXX XXXX  XXXX XXXX XXXX FL XXXX ) has been sending me collection notices in the amount of ( {$130.00} ) the collection opened XX/XX/2021 has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Consumer complaint received 2023-05-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (MI)

My taxes were deposited into my Chime account a few months ago. After I have access to my card for a while, I was about to make purchase. One morning I woke up for my daughters birthday party to make a purchase and the app said good bye upon trying to open up my app. I received an email on my SPAM folder that my account was on hold. After calling chime they gave me the reverie email. Review sent me over the documentation. I sent over ALL of the documentation that I had access to aside from the card that was connected to my account during the hacking simply because I have no ownership over that card. I sent over those documents multiples times. Chime closes my account ( after they told me I could get my funds in 30 days via check ) they then tell me because I havent completed the verification process ( with the card that was put onto my account ) I am ineligible for a check. Thats my TAX money. Im not working right now and I have a XXXX XXXX XXXX who Im raising. Im late on bills and short on food. This is literally the ONLY money that I have. Every representative that Ive spoken to has given me different answers as to when I can have my funds back, they have escalated my case and theirs still been the same outcome.