davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-24
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: Lendmark Financial Services (NC)

HIS IS NNOT A DUPLICATE. I reported fraud and identity theft since XXXX to all credit reporting agencies and XX/XX/XXXX I pulled my credit reports dude to being denied a loan. 
Lendmark financial Services # XXXX XXXX Georgia placed a hard inquiry of ON XXXX XXXX XXXX On my XX/XX/XXXX XXXX credit report I recently received it is entered and recorded a hard inquiry that impacted my credit. Lendmark Financial Services # XXXX XXXX XXXX XXXX XXXX XXXX Georgia. XXXX XXXX Date of XXXX XXXX XXXX As per attached screenshots. 
I did not authorize Lendmark financial to do this inquiry.

I want Lendmark financial to disclose this hard inquiry of XXXX XXXX XXXX when I did not apply for credit or a loan on this date. 
I request production of the documents relating to this hard inquiry asap to me only XXXX XXXX XXXX XXXX XXXX XXXX nc XXXX the names of the person address and phone numbers ip address and email and etc used to obtain credit in my names. 
Thank you Lendmark financial Hopefully you can find my hard inquiry info this time as your company has denied this to to you could not identify the info
Consumer complaint received 2020-12-17
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: CITIBANK, N.A. (NH)

On XX/XX/XXXX we purchased a trip to XXXX all-inclusive through XXXX we charged {$2400.00} on our LL Bean Mastercard credit card ending in XXXX. The trip was for XX/XX/XXXX thru XX/XX/XXXX. XXXX came and the pandemic had just started to hit, we called XXXX on XX/XX/XXXX about cancelling and they told us we would lose our money if we cancelled because the hotel had already been paid but we could contact the airlines about reimbursement for the flight. We had spent {$5000.00} total on this trip, we put half on another credit card and then {$2400.00} on the LL Bean mastercard, we didn't want to lose all our money so we decided to go thru with the trip as there was no travel restrictions to XXXX at that time. We flew down on the XXXX arrived at airport where we were supposed to get a ride to the hotel and we were told that XXXX went out of business and never paid the hotel and so if we wanted to stay we had to pay a second time for this trip ( Another {$5000.00} ) we did not have that money. They brought us to the hotel and as I was arguing with the hotel, my son called and said the state department had ordered all american citizens back into the country, so we paid for the hotel that night and flew back the next day. The other credit card company refunded our money immediately when we notifed them of how we were ripped off by XXXX. However I have made numerous telephone calls and written twice to LL Bean Mastercard and they keep saying I would have to had disputed this charge within 60 days in order to get reimbursement. I asked how I could do that when the trip was more than 120 days later and they will not reimburse me. I thought Mastercard had a policy that trips are not included under the 60 day policy because people book trips a year in advance sometimes and it would mean that most people 's trips would not be covered. This was our XXXX anniversary which was ruined and since getting back, we literally spent 23 hours in XXXX, we are essential workers and have been working nonstop, we would appreciate some assistance with this. At this point the company is not even responding back to me. I have all paperwork to back this up.
Consumer complaint received 2019-09-24
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: DISCOVER BANK (FL)

In order to make payment arrangements for my past due student loans, I set up up an arrangement with Discover Student Loans to make 3 payments on each of my accounts amd once the payments are made the accounts would return current. The payments were setup for XXXX amd XX/XX/30 on XX/XX/XXXX. The payments were withdrawn from my account on for XXXX. Yet in XXXX I received notification that my loan was charged off. I was told if I made the payment by the end of the month in XXXX the loans would not be charged off but the loan was still charged off in error. Now my credit report is showing a charge off and a derogatory mark. The payments were set up for XXXX and XXXX.
Consumer complaint received 2023-04-04
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. (NC)

I have pulled my report and notice there are multiple discrepencies that need to be addressed. By law my report should be 100 % accurate and there are multiple discrepencies on my credit report.. i will attatch a copy XXXX Acct # XXXX The open date is incorrect the close date is not correct the date of last activity is incorrect and the date of last activity is incorrect. 

XXXX XXXX Acct # XXXX The opened date is not correct, The date closed in incorrect, The last date of activity is incorrect, The date last verified is incorrect, The Balance is incorrect XXXX  Acct XXXX The date of last activity is incorrect, The open date is incorrect, Date of last payment incorrect Previous Address XXXX XXXX XXXX XXXX XXXX, OH XXXX
Consumer complaint received 2023-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

i have received my credit reports today and worried to see that so many negative accounts are reporting on my credit report. I tried to contact transUnion, XXXX and XXXX through disputes to investigate my disputed accounts which are wrongly reporting on my credit report but they did not investigated well, neither they send me back investigation results. i am requesting through your portal to please forward my disputes to them as ask them to start their investigation.
Consumer complaint received 2018-08-21
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: CCS Financial Services, Inc. (UT)

Credit Collection Services recently posted a collection to my credit report for a debt I do not owe. XXXX was paid and complete. I do not owe them. 
ALso you put this on my credit report without sending me a 30 day right to dispute notice!
Consumer complaint received 2023-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

On XX/XX/XXXX I mailed a letter to TransUnion disputing information about BANKRUPTCY that is listed on my credit report/profile AS XXXX XXXX XXXX PENNSYLVANIA Docket XXXX XXXX. The item is now listed as NOT SPECIFIED ON MY CREDIT PROFILE/REPORT Date Filed XX/XX/XXXX, Date Updated XX/XX/XXXX. I requested this information be removed and protected by TransUnion. I asked TransUnion to validate the information that is reported on my credit report/profile that this information was directly received/verified from the UNITED STATES BANKRUPTCY XXXX XXXX PENNSYLVANIA and given to TransUnion directly. 

TransUnion responded with the not specified showing on my credit profile as of XX/XX/XXXX
Consumer complaint received 2023-04-04
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. (IL)

I'm writing this complaint to TRANSUNION. I wrote to them about the errors in my report, including dates of last activity, dates opened, dates reported, and payment status, among other things. They claimed to have conducted a thorough investigation, despite the fact that it took them more than 30 days to finish it. However, when I reviewed my report, I found that nothing had changed. The false information is still being reported. 

Numerous times, my rights have been violated. According to 15 U.S.C. 1681, section 602 A I have the right to privacy. Section 2 of 15 U.S.C. 1681, Section 604 A. It also says that a consumer reporting agency can't give me an account unless I tell them in writing.
Consumer complaint received 2019-09-24
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC. (CA)

Company : Caine and weiner submitted a collection against myself I found out about the collection a year after when I checked my credit report. I didn't know about the collection as Mr XXXX XXXX have used harassment calls in the past which I thought the collection agency was part of his harassments. 
I called the collection agency on the XX/XX/XXXX and requested to provide an invoice in which they filed the collection againest, they have not provided any reports. 
I also sent a certified mail requesting the invoices that allowed them to file the collection against me in which they have received the mail on XX/XX/XXXX and they still have not provided any proofs. 
I requested them to remove the collection against myself and up till now they are refusing to remove it. They have submitted a collection without any proofs which violates federal laws.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I called the credit reporting agencies letting them know the inquires and accounts on my credit profile were unauthorized. I Never gave them permission or consent to report them. This Aggravated identity theft. 

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions.
Consumer complaint received 2023-04-04
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. (GA)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my right. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written consent instructions.

15 USC1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Look at the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2019-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TN)

XXXX and XXXX  have removed the inaccurate accounts on my consumer report, however, Equifax refuses. I have police reports, FTC reports and everything they need to show this information is not mine.
Consumer complaint received 2019-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NC)

I tried using eqifax online and there are questions you absolutely have to complete. I check none of the above on all of them, however they say im wrong. There isnt anything on my credit report other than medical bills and if there is its not from me. I called the company and they said I was lying and demanded I send in by mail a copy of my social and drivers liscense. Thats probably one of the most unsafe things for identity there is. I cant access my account.
Consumer complaint received 2019-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (RI)

I have no NEGATIVE items on my report anymore but some of my FICO scores ( diff versions all from Experians paid service ) will be about 100 pts lower and the Experian Ficos with lower scores will ( Experian Fico 2 vs XXXX 2 ) state there is a delinquent account yet my FICO 8 score from the same report states there are no delinquencies. When I try to drill down into the account they are stating is negative in the scoring explanation on my Experian creditworks, there is no account there. Can someone please look into this because if a lender pulls fico 8 from Experian it is only XXXX when my Experian Fico 2 and XXXX 8 are above 750. The fico 8 experian score states a delinquency while the others from experian do not. If you look at my experian credit report, there is absolutely no NEGATIVE information so I don't know why some of the Ficos provided from experian will say there is a delinquency when the reports and scores will be from the same date.
Consumer complaint received 2020-12-17
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. (GA)

On XX/XX/2020 I wrote TransUnion an dispute letter to remove inquires I did not make nor gave permission to inquire on my credit report. They did not investigate my claims and simply disregarded my letter and sent me a letter saying to respond to the companies.
Consumer complaint received 2020-12-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/2020 I deposited a check for {$1800.00} and cash in the area of about {$450.00} in the ATM at Wells Fargo XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. The ATM had a jam and asked to to approximate my deposit. After doing so it credited my account XXXX for a place holder and said it will be resolved in the following business days. After about a week of not getting contacted I reached out to and they told me no clam had been made and they they will make a claim then and told me I will need to contact the ATM department for further information. After contacting the ATM department that credited me the amount I claimed to deposit and said it will be in review for 30-90 days. XX/XX/2020 I get a letter stating that that a review was made and nothing was found. I find it odd that the ATM put a place hold on my account stating that there was a jam and I called in tell them what happened and they found nothing not even the check. I called the ATM department again on XX/XX/2020 and was told a manager will have to contact me. I happened to miss the managers call so i had to call back into the ATM department. After talking to another rep the said that the manager says the findings are final and nothing they can do. Right now Wells Fargo is a thief, the check i can get replaced but someone at Wells Fargo stole my {$450.00} dollars and I will be changing banks immediately. Please do not use Wells Fargo ATM for your safety.
Consumer complaint received 2019-09-24
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bowen & Associates Recovery, Inc (IA)

XXXX with Bowen & Associates ( XXXX ) has called multiple times to all the phone numbers under my phone line looking for someone who is not me and has also text a phone number under my phone line during his collection practices. He has threatened legal action, is abusive in language and when asked to not call again, stated he does not have to comply and will continue to call me. He advised he does not need to comply with a verbal cease. XXXX also admitted to why he was calling which is a direct violation of the FDCPA while doing skip tracing. He has violated multiple FDCPA regulations with his harassing and abusive collection tactics that are clearly not working in his favor.
Consumer complaint received 2020-06-07
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (TX)

I tried to get quotes for refinance with Quicken on XX/XX/XXXX from a person names XXXX XXXX. 
I had asked if they would provide an improved pricing for bringing in a few mortgages. He reassured me, on a recorded line, that they would absolutely provide additional discounts for bringing in a few mortgages, and I only need to start the application and he needs to run a credit check. 
After providing all the information I discovered that I was lied to and in fact there was no discount on the mortgage rate and there was never an intention to provide an additional discount for refinancing multiple mortgages. 
I tried to resolve this with Quicken leadership however they failed to acknowledge what was done. They refused to provide me with a recording of the calls even though they acknowledged that they were recorded. 
They are clearly covering up for this fraudulent act and are refusing to take responsibility for this. 
Especially since XXXX lenders need to be honest and upfront with their customers and not lie just to " hook them '' to get mortgages from them. 
What happened with this guy XXXX was clear fraud just to get me to apply with quicken so he can get his commission.
Consumer complaint received 2019-09-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (FL)

I have been a Chase customer for approximately 5 years. I had a checking, savings, business account, custodial account and one credit card. The slate credit card did not offer the benefits the other cards offered and they would not lower the interest rate. I have never been late on a payment and recently paid the card off in full. My payment history with ALL my accounts is 100 %. My utilization was low. I was approved for the Southwest Airlines card and freedom card which would have allowed me to close the higher interest cards I used to build credit. I will be traveling in the future and the Freedom card offered 0 interest and rewards the Southwest card offered airline miles. 2 days after activating my cards and meeting the limit Chase encourages its customer to spend to get the rewards offered, ALL 3 of the cards were closed including the slate card which I have had since 2017 when my credit was not as good as it is now. There was no prior notice and this will negatively impact the credit I have worked so hard to build over the past several years. What changed in 2 weeks time? Why was I approved and then shut down as soon as I activated my card and made a charge. If anything they should have denied my application and then I would have just had an inquiry not 3 closed accounts. I have made arrangements to pay each card in full by the due date. I even asked them to close my slate and lower my limit. They would not budge on the decision.
Consumer complaint received 2019-09-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

1. On today, XXXX XXXX, 2019, I attempted to file a dispute online and was directed to contact Bank of America disputes department at XXXX XXXX XXXX. 

2. I spoke with XXXX, who stated he could not process my dispute until I returned the item to the merchant. 

3. I asked for his ID and he said he has no ID to provide. He said it's private for internal use. 

4. I ask for supervisor, saying I'd prefer to speak with someone who can provide an ID #. 

5. The supervisor, XXXX, says she has no ID ; no supervisors have ID at Bank of America. 

6. XXXX says there is no one higher up with whom to speak, no one with an ID with whom to speak at Bank of America. 

7. For a large company like Bank of America, with hundreds if not thousands of agents, it is unacceptable to not have ID # s for agents that customers can use as a reference in future conversations. XXXX admitted he was not the only XXXX in Texas, which was his call center location, which means that if the call is not recorded and I say I spoke with XXXX, I would be told there are multiple Cesars and no way to verify with whom I spoke. 

8. If internal ID # s are private for some reason, then Bank of America can come up with a second ID # for external use for each agent.
Consumer complaint received 2023-07-27
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. (FL)

There are accounts listed on my consumer report that have originated from identity theft. I did not provide written authorization, including a wet signature, for these accounts to be included in my consumer report. I have recently communicated with your organization regarding this matter and I am hereby requesting that these accounts be promptly blocked and removed from my report. The inclusion of these unauthorized items has caused significant emotional and financial distress, as they inaccurately reflect my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action. The presence of these fraudulent items on my credit record has hindered my ability to achieve my financial goals, such as purchasing a home and meeting the needs of my family.