davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-07
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. (AZ)

After sending multiple letters to the credit bureaus, I have not received any response from them nor seen any changes from my report. The negative items which I have been disputing still appear on my credit report. This is clearly a violation to the Federal Law. Per FCRA section 605b, Credit Reporting Agencies are required to remove/block any accounts listed on an identity theft report. I have attached some documents to assist in the blocking of the erroneous information which are being posted on my report. 
XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX ) Balance XXXX {$630.00} XXXX XXXX XXXX ( Original XXXX : XXXX XXXX XXXX XXXXXXXX ) Balance : {$3000.00}
Consumer complaint received 2022-07-07
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. (TX)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX, XXXX, 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 an account without my written instructions
Consumer complaint received 2022-07-07
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: TRUIST FINANCIAL CORPORATION (NC)

XXXX was closed in 2012 and a Letter of Satisfaction was never sent to the county Register of Deeds. A request has been made ( over 60 days ago ) and another XXXX 45 days ago requesting letter to be sent and no response as of today.
Consumer complaint received 2017-06-02
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (GA)

On   XXXX   XXXX   XXXX     I had a repair service billed to my credit card for {$310.00}, in which I made a payment on  XXXX  of {$53.00}. I did not see another bill until the end of  XXXX  (  XX/XX/XXXX statement ). I noticed a {$27.00} late fee and did n't understand why. I called  Well Fargo o n   XX/XX/XXXX a bout the bill and was informed that I had a bill (  XXXX   )  prior to the bill I had received. After a few minutes of discussing the missing bill, the  CSR indic ated that she would waived  XXXX  credit  XXXX  the charge as a courtesy on  XXXX  and sent me a copy of the missing bill for my records. Since the payment was {$80.00}, I sent in the differ ence ( {$53.00} )  on  XXXX  to complete paying the amount due. On the next bi ll (  XX/XX/XXXX  ), I now  see a {$37.00} late fee. I am confused again since I have been making multiple payments on my card. So I called again on XX/XX/XXXX  to inquire what was going on and I was told that the credit was not applied against what I had to pay but against the balance. I argued that that was n't what I was told and that in the conversation, the  CSR di d not indicate that I still had to paid {$80.00}. The CSR I was talking with would not remove the charge because they had remove the prior late fee. I asked to talk with a supervisor and while I can not remember whether it occurred in that conversation or whether the supervisor call back, I was able to talk to a supervisor and explain my case, emphasising that if I had received the missing bill, the first late fee would not had occurred AND that I was n't aware and I was n't told that the waived fee would n't count as a payment, I should n't be penalized for the  CSR not being clear and I do n't work at the bank so my understanding of amount be credited to my account and Well Fargo ( seem ) to   be different. The supervisor indicated that the fee would be waived but the credit  may not show up for up to 2 cycl es. I continued to make payments and paid off the amount owed. When I did n't see the problem corrected, I called back on  XXXX  and was back at square  one. I do n't have a problem with the bank making money but not by taking advantage of the customer. This has now seriously affected my credit score and other credit accounts.   <P/> I can see if I was acting in bad faith, but I tried to be proactive in handling issues with my accounts.
Consumer complaint received 2015-07-16
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: National Arbitration Forum (AZ)

I 've not had any written communication from this company. I have received two calls that do n't say it 's debt collection but that 's implied. They do n't say who they 're calling for. Here 's the transcription of the messages left from the two calls. 

XXXX/XXXX/15 XXXXHello, this is XXXX. We have some papers in your name and address that 's??? an investigation. They require your immediate attention. We need a return call back to me so that we can report to you 've been quoted in compliant in our investigation. Our office number is XXXX XXXX ) XXXX Please reference file number???? when calling. Have a good day. 

XXXX/XXXX/15 XXXXThis is the final courtesy call from XXXX XXXX XXXX before reporting that you 've been uncooperative in the investigation against you.??? hear from either yourself or your legal representation today we 'll be left with no recourse other then to report your noncompliance in this issue to the proper jurisdiction. Our office number is XXXX XXXX ) XXXX Please reference file number????. Thanks, we look forward your prompt response.
Consumer complaint received 2023-07-02
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. (TX)

On XX/XX/2023 I send a dispute letters to XXXX and Transunion about an account named XXXX XXXX XXXX # XXXX asking to provide a contract with my signature on it that proves that Im doing business with them and they have failed to provide any documents. This two credit bureaus are violating my rights and laws as a consumer and they need to be hold accountable to the extent of the laws. Picture proof of the letters, affidavit of identity and proof of the letters been certified are going to be provided as an attachment. 

According to 15 USC 1681 Section 602 A States I have the right to privacy According to 15 USC 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions According to 15 USC 1681b ( 1 ) The credit bureaus do NOT have no written permission According to 15 USC 1681s-2 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 2017-06-02
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. (OH)

I was doing an annual credit report update and the credit bureau Experian refused to delete information on the report in the form of old addresses that were ov er 7 and 10 years old.  They said they could keep the information on my report indefinitely and I could never have it removed. I requested  XXXX  to delete the old addresses and they did. I am waiting for the written summary update from them. Experian also authorized a credit report from my  XXXX  bank 3 times on the same date and I have never applied for credit or loans. This happened in   XXXX   around the time I opened the account. The last bureau would not release the report online due to answers to the ID verification of which I answered correctly. I strongly feel that Experian abused the laws on reporting and releasing information. I also have reason to believe that due to the ID verification questions on the  third bureau rep ort resulting in the bureaus denial of my annual report online that there has been illegal activity in the for of credit cards and loans being applied for using my name and SSN. I need further information on how to investigate these matters.
Consumer complaint received 2016-04-01
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: HUNTINGTON NATIONAL BANK, THE (OH)

I stopped at our local Huntington Bank in XXXX OH. to get information about a construction mortgage loan. They took my information and XXXX XXXX XXXX called me. I told him we currently own property that I 've corrected the drainage, cleared the trees and installed the driveway. He stated that they could not provide a loan because that 's considered preconstruction. I have done everything to what the country Building Department has wanted. I 've pulled the permits had the inspections and everything passed. So, how can a bank supercede a county building inspector? He was more concerned about my land, that I own, than modeling a loan. How is this fair? I feel discriminated against for upgrading my property. What lending laws did I break?
Consumer complaint received 2019-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I initially co-signed a loan for my son in XX/XX/2015. That car was eventually totaled in an accident. When my son bought a new car from the same dealer, the dealer submitted my credit information without my consent or signature. ( account # XXXX ) When my son missed a payment late last year, it negatively impacted my credit score. I filed a dispute early this year which was rejected by BOA. I contacted them directly back in XX/XX/XXXX, and they admitted that the dealer fraudulently entered my credit info, and that they'd call back in a few days and have it removed from my credit history. I've never received a return call, and the negative information still appears on my credit bureau. I called and after a 30 minute hold, I was just told by a supervisor ( XXXX XXXX ) that it's still being investigated and that he'd submit the complaint again, but there's not much more he can do.
Consumer complaint received 2019-08-02
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)

This the letter I wrote on XX/XX/XXXX after multiple phone calls with customer service. I just got off the phone on XX/XX/XXXX & was told that they have by the end of the day to complete this. They knew I was closing on a refinance but didn't care. I have taken this issue up originally back in XX/XX/2017, but they didn't correct the issue back then either. It is not fair that I have to take a higher interest rate, pay thousands of dollars more in interest because this company refused to correct their mistake. 

I am writing this letter because I am purchasing a new home, I was told that the 30 days late & 60 days late are still reporting on my credit report for dates XX/XX/2017 30 day late & XX/XX/2017 60  days late. 

The reason that this was reporting late, is when I paid online, I made a double payment by accident.I called to correct the problem. When I asked to reverse one of the payments, XXXX XXXX  canceled both payments & sent me a refund check. By the time, I knew that this had happened, it made my account look like I was missing two payments, even though I made the actual payments once I figured out what had taken place. I had called several times on this in the past and was assured that both late payments would be removed from my mortgage rating. 
I am asking XXXX XXXX  once & for all to please remove the 2 late payments, so my credit score will go back to where it was supposed to be in the high 760s. I have never been late on any account. My new home is supposed to close on XX/XX/XXXX, so I am requesting a rush on this. I appreciate your help in this situation.
Consumer complaint received 2022-12-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (NY)

The XXXX XXXX XXXXXXXX XXXX XXXX  I have called XXXX  times since XX/XX/2022. XXXX XXXX switched banks in XX/XX/2022 and as a result they removed my autopay which I had always used. When I realized it I immediately paid the bill in full on XX/XX/XXXXXXXX XXXX. XXXX XXXX XXXX said they would remove interest and late fee. I had called on XX/XX/XXXX, XX/XX/XXXX. Each time told fees and interest would be removed. Called today, XX/XX/2022 spoke to XXXX XXXX XXXX XXXX XXXX 

XXXX stated that the XXXX XXXX error is because they credited the old account ending in XXXX not the new one ending in XXXX. As a result of XXXX XXXXXXXX 's error, I have received XXXX  phone calls early in the morning and late in the evening for XXXX in which no one wanted to help me they only wanted me to pay the bill which was made up of only late fees and interest.. 

My XXXX XXXX with all XXXX agencies has gone down over XXXX points. 
I have had to make countless calls to XXXX XXXX and have spent over XXXX XXXX on the phone. Presently, I have been on the phone over XXXX XXXX XXXX XXXX with XXXX XXXX. 

I need IMMEDATELY FOR XXXX XXXX TO CONTACT THE XXXX XXXX  and remove their errors XXXX. I AM TOLD I HAVE TO WAIT UNTI XX/XX/XXXX for XXXX XXXX TO contact the XXXX XXXX. I WANT MY CREDIT REPORT UPDATED XXXX. I SHOULD NOT HAVE TO WAIT. THEY ARE RUINING MY CREDIT BECAUSE OF THEIR MULTIPLE ERRORS. I WANT MY XXXX XXXX RETURNED TO MY SCORE PRIOR TO OLD XXXX NOT FIXING THIS AND ALLOWING MY XXXX XXXX TO BE AFFECTED!
Consumer complaint received 2022-07-07
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: Experian Information Solutions Inc. (GA)

I was confused about some reporting on my credit reports among the 3 bureaus. None of it was consistent so I sent letters to the original creditor, and I copied all three bureaus with my concerns. 

XXXX responded by removing missed payments from my report, but LOWERING MY SCORE XXXX points! Experian responded by denying the dispute although I asked for clarification from my original creditor, not the debt holder. 

I also sent a letter asking that all addresses and phone numbers be removed from my report, and that has yet to happen. The addresses and phone numbers I do not recognize, and I provided my updated information. 

Upon further investigation, I learned that the reporting is NOT Metro 2 compliant. Which explains my confusion.
Consumer complaint received 2022-07-07
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. (TX)

After reviewing my Credit Reports on XX/XX/2022 ; I noticed for the second time deficiencies of reporting and inaccurate information on my credit reports in violation of the Fair Credit Reporting Act Section 611 ( 15 USC 1681 I ) and lawful compliant reporting standards ( see attached notice ). Please report ONLY my legal First and last NAME. I request you remove REMOVE previous address listed : XXXX FM XXXX XXXX XXXX XXXX XXXX, TX XXXX ; I do not live here nor have I ever resided at this address ( See attached Federal Trade Commission Complaint Report ) Additionally I respectfully request a proper investigation of XXXX ACCT # XXXX on TransUnion Credit Report XXXX XXXX Acct # XXXX " XXXX XXXX days LATE ''/ I AM NEVER LATE!!! And all mentioned Inquires enclosed on Identity theft report. Im concerned my personal information may have been breached in XXXX data breach. I HERE NOW EXERCISE my consumer RIGHTS to DEMAND that ONLY FACTUALLY PERFECT TRUE CORRECT VERIFIED VALIDATED CLAIMS that are CERTIFIED COMPLIANTLY be REPORTED. SINCERE THANKS FOR YOUR TIME AND ATTENTION.
Consumer complaint received 2022-07-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc. (NJ)

Account opened XX/XX/XXXX with XXXX XXXX for a residential address in XXXX, TX. I do not nor have I ever lived it Texas. I am a born and raised New Jersey resident. I was made aware of this account by receiving a collections notice from Online Information Services for {$800.00}. The notice I received was sent to my actual address where I moved in to on XX/XX/XXXX. They require me to submit this and a police report before they even attempt to take action and removing this from my name and declaring it as fraud. I have already disputed this account with XXXX. I will next have to go and file a police report.
Consumer complaint received 2022-07-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: HSBC NORTH AMERICA HOLDINGS INC. (NJ)

Dear cfpb, I have an HSBC joint checking account with my son which has been incorrectly charged {$50.00} of fees on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Each month I rang up and raised the issue with the bank and each time they refunded the incorrect fee and assured me they had fixed the error in their system causing the problem. 

I raised a complaint each time and I was told that the problem had been resolved. Clearly this is not the case. 

I am writing to cfpb after 4 months of trying to get this issue resolved, as I hope that HSBC might take a complaint more seriously if it comes from cfpb, as they clearly are not taking their own customers complaints seriously at all. 

I am hoping a simple nudge from cfpb might get HSBC to fix the error in their system. 

All they need to do is correctly tag all my accounts as a premier accounts, which they are and this would resolve the issue. 

best wishes
Consumer complaint received 2019-06-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CMI Group, Inc. (GA)

I have no idea who Credit Management is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. Credit Management is indicating that an account with the account number XXXX was opened with their company in XX/XX/2018. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. I have sent a request to Credit Management and demanded a CERTIFICATE OF ASSESSMENT and other information, but they have chosen not to reply. I sent a request to Credit Management via certified mail XXXX XXXX XXXX XXXX XXXX. 

When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity. 

2. Provide signed verification of each transaction that is part of the alleged cumulative debt. 

3. Provide the contract or other instrument through which [ Alleged Creditor } authorized Credit Management as third-party collection agent.

4. Provide a true and correct copy of the instrument by which [ Credit Management } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ). 

5. Provide the delegation of authority from the Director of the Office of Management Budget to Credit Management, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ).

6. Provide the Certified Assessment Certificate.

Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ). 
* Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency XXXX CRA ). 
* Failure to provide an Opt Out Notice. 
* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice. 
XXXX Sharing Non Public Information ( NPI ) without providing an Opt Out Notice
Consumer complaint received 2024-04-03
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (TX)

In XXXX I noticed that my balance was too high and I know for a fact I was involved in several data breaches and I had been traveling internationally. I mad a complaint with the FTC about possible identity theft. 

There are two accounts ending in XXXX and XXXX I sent a letter to Chase at the end of XXXX. They received my letter because they sent me a response dated XX/XX/XXXX but only mentioned account XXXX. 

I received a 60 day late payment on my personal credit report about account ending XXXX which is a business card. In the letter they said they could not find the transaction I mentioned but that was a vague response. I called their offices as well and spoke to agent who did not give me much information I said I would call back at a later time. 

The process is difficult trying to sort out a billing issue and now I've been denied a credit application ( adverse action ) because of a 60 day late payment which is a false statement. 

I believe this very unfair as the Fair credit billing act says they can not charge me any interest or late fees for 60 days but they did as you can see on the statements. 

Even though it is a business card they either are not required to follow the FCBA so then it should also not be a negative mark on my personal credit card or either dthey do need to comply with the FCBA and the FCRA. 

I still want a master file to find where the charges are are that do not belong to me. 

I have always paid on time my bills with Chase so this situation has created alot of stress and they have been uncooperative.
Consumer complaint received 2022-07-07
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. (MI)

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX  XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX 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 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.