davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (FL)

I have already issued a complaint about the same company Experian. Now this about an unauthorized Fraud Alert placed on my credit bureau. They have since removed the removed the fraud alert and have now placed an unauthorized freeze on my credit report. I am about to loose my rate lock on my mortgage application because of them and this will unecessesarily cost me several thousands of dollars. I really feel as if this organization has purposely set out to delay or stop me from obtaining a mortgage loan.XXXX : void ( 0 ) ;
Consumer complaint received 2019-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I requested that Equifax through the FCRA send me documents bearing my signature that lets me know that what they are reporting is accurate, THEY NEVER SENT this information that I requested, instead they continue to send letter avoiding my requests. I also requested through the FCRA that they send to me the method of verification that they used, my letter was plain and simple I as that they please supply me with the description of procedures they used in determining the accuracy and completeness of the information, the name of their employee who verified the information, and the name of the person you spoke to at the creditors location, their telephone number, address and the CONTRACT WITH MY SIGNATURE. 

Equifax refused to supply me my request and sent the attached response. I have sent over several letter to them requesting this information because THIS IS WITHIN MY RIGHTS AND IT IS IN ACCORDANCE WITH THE FCRA. 

I NOW WANT TO GO TO THE NEWS MEDIA TO SHOW ALL THE LETTERS AND COMPLAINTS THAT I HAVE SENT AND HAVE NOT RECEIVED ANY JUSTICE. 

THEY ARE IN CLEAR VIOLATION OF THE LAW AND MUST BE HELP ACCOUNTABLE FOR NOT ABIDING BY THE LAWS, AND AS A GOVERNING BODY THE CONSUMER FINANCE PROCTION AGENCY NEEDS TO HOLD THEM ACCOUNTABLE, THIS IS WHY YOU WERE ESTABILSHIED
Consumer complaint received 2019-04-25
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. ()

I have a student loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX  XXXX XXXX and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, TransUnion, and XXXX   XXXX XXXX with no successful resolution. XXXX, TransUnion, and XXXX only reporting me under same account number 8 different accounts with multiple 90, 120 days late payments. There was an error on their part. I was never 90, 120 days late.
Consumer complaint received 2018-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

The US Postal Service errors on an individual Change of Address ( COE ) for one member at a household address by applying the COE to other member ( s ) of the same household address. The US Postal Service reports the erroneous change of address to a bank and/or credit card company, who changes their records for the erroneous person.
The bank ( XXXX XXXX ) then informs the Credit Reporting companies of the change of address of the erroneous person.

The bank also informs the Credit Reporting companies of the change of address of a second erroneous person. This second person is on the account with the first erroneous person but was not reported by the US Postal Service as having a change of address.

The Credit Reporting companies effect an erroneous change of address for two people.

There is a potential for ID theft!
Consumer complaint received 2017-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I sent dispute letters to Trans Union,  XXXX  and  XXXX . TransUnion and  XXXX  put an initial fraud alert on my credit report without my permission, against my will, and without my knowledge. My dispute letters did not indicate any type of fraud ; this action was done by TransUnion and  XXXX  unsolicited. I called TransUnion but was hung up on/disconnected six different times.I tried to call   XXXX   but can not reach a human being. I need the fraud alert that I did not request to be removed from my TransUnion and  XXXX  credit reports. I believe this may be the reporting agencys ' new tactic to avoid handling disputes from consumers.
Consumer complaint received 2019-07-02
Product: Credit card or prepaid 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: CAPITAL ONE FINANCIAL CORPORATION (MA)

On my Capital One Venture One card there are plenty of charges from some foreign countries. These days there seems to be no way to contact Capital One regarding to these issues. Only contact method provided is by phone and I have been on hold forever.
Consumer complaint received 2019-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Convergent Resources, Inc. (GA)

I am writing in regards to the following information that appears on my consumer report : Account Number or other information to identify account : Account Name : XXXX XXXX Account # XXXX Date Opened XX/XX/2018 Balance {$650.00} CONTACT INFORMATION XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Explanation of item being disputed : I entered into the cellular service agreement in XX/XX/2018, I was advised to not incur new debt, and returned the device XX/XX/2018. 

The XXXX Service Agreement indicates the following policy : I acknowledge that I was provided an opportunity to review my completed Installment Loan Agreement ( ILA ), including 24 monthly payments and my right to cancel within 14 days. 

I returned the device within the 14 day window ( 7 days from purchase ), and therefore ended the service contract. See attached 1 ) service agreement indicating the policy above, 2 ) bank statement indicating my credit from XXXX XXXX, 3 ) and return receipt from XXXX XXXX. I do not owe the amount and would like the entry removed from my credit reports and no further collection action to occur by XXXX or Convergent Outsourcing. When I contacted XXXX, they've written it off to Convergent Outsourcing ; I have provided them the same information and disputed this with XXXX and XXXX. I am attempting to rebuild my credit after a bankruptcy, but when I called I was just told " this isn't in my bankruptcy. '' I made it clear I was not saying it was. The phone was returned within the return period outlined on the contract. The have continued collection efforts.
Consumer complaint received 2019-07-02
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. (OH)

XXXX XXXX financed my car for 72 mos 6 months from payoff they repoed my car, all payments were up to date and i continued to make payments. the bank said I owed XXXX dollars immediately due and told me the car was paid off. the balance was for insurance etc. fact is I still owed XXXX worth of payments at XXXX per month. and the car was not paid off apparently when they found their error I got my car back no charge, They never did explain to my they made a mistake. But they still put on my credit report I`m late driving my score over 75 points. I`m still making my payments and they still report them late? the same way I have done for 65 payments. Also A credit card XXXX reports me as not paying my card even though I have never used it and did not want it the charges are fees and interest on the fees and the bank that the card is on also reports me a non pay I have never used the card and never wanted the card and thats why my credit score has fallen more than 75 points.
Consumer complaint received 2019-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

On XX/XX/19 I disputed this account with Equifax because it reporting inaccurate information. Equifax has " updated '' the account but has not corrected the inaccurate information. 
XXXX. XXXX XXXX XXXX Account Number : XXXX This is a closed account that is still reporting a monthly payment. I have reached out to Equifax numerous of times concerning this inaccuracy.
Consumer complaint received 2019-07-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (WA)

American Express advertised no membership fee for military. I then applied, selected the drop down box for military because I am XXXX XXXX, and was informed I was approved. I later recieved the card and subsequently a statement showing a {$550.00} 'membership fee. ' I contacted them afterwards and was told they would initiate a Servicemembers Civil Relief Act inquiry for me that would delete the fee. The {$550.00} charge reappeared again the following month and I again contacted American Express and they said I needed to submit 'verification ' documents, so I subsequently submitted my activation orders. The fee then appeared again on my next statement so I contacted them again and they opened another SCRA inquiry. Eventually, they were able to confirm my XXXX XXXX status and waived the membership fee. However, they did a credit reporting that I missed two payments for that fee they eventually waived. So, while they ultimately did give me 'SCRA status ' and waived the late fees, they refused to address their credit reporting of 'missed payment ' ( for jot paying fee ). My credit score took a 100 point drop as a result.
Consumer complaint received 2019-03-27
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: Risecredit, LLC (KS)

I wrote the company and told them this inquiry is not mine and I was a victim of ID theft. They told me to supply a police report, which I did. Once I did they would not accept it because it did not list them as a creditor -- they are NOT a creditor - it's an inquiry I am trying to remove and there is NO PLACE for a CREDITOR on the police report. I told them this is what they asked for and this is what they got. They refuse to proceed further.
Consumer complaint received 2019-07-02
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (IN)

I am currently enrolled in XXXX XXXX XXXX. During this period, the credit card company has changed my personal information on my account to family members. I have seen my phone number changed to my father in laws as well as XXXX of my sisters when I havent given them any of these numbers or authorized them to call them. They call multiple times a week. I have informed them I have been enrolled and they have said they havent been willing to notate my account to stop these calls. XXXX XXXX  XXXX has attempted to send them power of attorney to stop this and the company says they wont accept it until they are ready to settle.
Consumer complaint received 2019-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.
Consumer complaint received 2019-03-27
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: Rocket Mortgage, LLC (MA)

I had asked XXXX XXXX for a quote for rates on a home equity loan. I received a call from multiple companies and from Quicken Loans. Quicken loans decided to access my credit file without really asking me if it was ok to pull my credit. At no point in time I decided to enter in a loan application with them and when I received an alert from my credit monitoring services I found out that they had gone thru a third party vendor to pull my credit to just quote me rates. I find this to be illegal and deceiving. My credit score dropped significantly because of their inquiry. The sales person name was XXXX, and the supervisors that I spoke to at quicken loans were XXXX XXXX & XXXX XXXX. They both said that they did not have to ask me directly if it was ok to pull my credit. they said that it was assumed that I wanted to proceed when I requested the information for rates.
Consumer complaint received 2019-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/2019 I requested Transunion provide me with the method of verification for the accounts with XXXX XXXX XXXX XXXX # XXXX, # XXXX. All Transunion did was send results saying they updated the account. They never provided me with the method of verification showing how they have the right to report this account 100 % legally. 

I even reached out to XXXX XXXX XXXX XXXX regarding both accounts and requested a contract with my signature and documents to ensure the information is being reported 100 % legally and accurately. XXXX XXXX XXXX XXXX did not provide me with anything. Clearly they didnt have anything to verify the debt. So how was Transunion able to verify the debt. Well they did not. They are violating the FCRA by continuing to reporting unverified accounts.
Consumer complaint received 2019-07-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My debit card was stolen on XX/XX/2019 and I didnt find out until XX/XX/2019 because I checked my balance and there were unauthorized transactions made. 
The following transaction were XX/XX/2019 {$20.00} at a XXXX XXXX XX/XX/2019 {$200.00} at a XXXX XXXX  XX/XX/2019 {$210.00} at a XXXX   XXXX Once I found out about the unauthorized transactions I called the card company and cancelled my card. I then called and made a dispute to get my money back but My refund was denied because there wasnt sufficient evidence when I made the dispute. They then told me they would send me a letter in the mail In 7-10 business days saying why my dispute was denied and in the mail would be more forms to dispute the denial of my refund, but I never got a letter in the mail even after almost a month. I tried calling again, the company is still telling me that there are no new updates and the dispute team has been working on it but its been almost 4 month since I filed a dispute and I still havent received my refund for the unauthorized transactions.
Consumer complaint received 2023-03-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA (CT)

I have an Apple card that was restricted after using it out of state. When I try to get in contact with the car company, I was told theres nothing they can do. They had me verify my identity and Ill change my account password, but there was still nothing they could do to help.
Consumer complaint received 2019-09-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY (MA)

I had deposited a XXXX check into my Wells Fargo account and they refused me access with my own money and they are Completely rude they took my money from my account without authorization and they Stated they wanted to speak when Im more able to speak correctly
Consumer complaint received 2018-04-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (WA)

This all happened from the past 4 weeks and is still going on. I am having a major problem with my Citi simplicity credit card and I have been through absolute XXXX with their customer service for hours and hours and days and days and I just can't take this anymore. I have made a lot of payments on my card to get rid of the cash advance fees but I have now had my card blocked because they said I have 2 returned check fees and a failed debit payment. When I looked on the statement I saw that they indeed received those payments from me with a confirmation number on the exact same days that they gave me those fees. The money has been taken from my bank account and they have put a hold on XXXX XXXX $ payments all while giving me those return check fees. After fighting with them for so long I finally started to make progress as they were going to remove those fees and put my money back on the card as well as I was promised by multiple people that since I went through all of this for no reason that they were going to give me XXXX dollars worth of credits because of how badly I was treated. This was all promised to me from managers. It has now been a week and they put XXXX on my card which I went to go use and they declined it and took it right back. I was so upset that I was promised all of this for everything they put me through and received nothing. In fact I did get a woman that thought she put me on hold and actually mocked me to her co workers in whiny voice completely making fun of me and are just playing games with me now and I have bad XXXX and XXXX problems as it is and this whole mess is making me sick. The funny thing is that yes I have to have consent from them to record the phone call but I do not have to have the consent when I am placed on hold for long periods of time. Well it just so happens that I didn't fact get the woman who placed me on hold mocking me when she thought she put me on hold and that is a serious problem and I am going to discuss this with my lawyer. Citi has really screwed me over and now I get mocked for wanting what is owed to me so please let me know if there is anymore of a blatant disrespect and disregard for a customer and a complete showing of defamation of character and I will be talking to my lawyer about the way I have been treated.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (AZ)

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-07-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I was a victim of fraud and my case was denied and Bank of America is refusing to refund the money. I reported the fraud to the Bank of America XXXX XXXX XXXX within 24 hours of the fraud commencement. I spoke with XXXX. ( you said no name ) The case involves a juvenile who is my XXXX XXXX XXXX daughter who was threatened and intimidated by online organized theft network based on going police investigation pending Case number for the checks fraud for the amount {$9600.00}. 
Based on Banking laws, the bank shall be liable and not the account holder. 
Please inquire and let me know final Bank of America decision in order to know the next step. At this point, I want to avoid taking the case to the Federal Reserve to judge in this matter. 
Sincerely
Consumer complaint received 2019-07-02
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Santander Consumer USA Holdings Inc. (MD)

Santander Consumer USA has been subjected me to illicit and predatory practices. Upon paying off the car note, I received a final bill for undisclosed fees that I had to pay in order to receive the tile of the car. On XX/XX/XXXX I received a Notice of Intent to Repossess stating that a payment of {$2500.00} is due on XX/XX/XXXX. AFTER MAKING a paiement of {$500.00} XXXX XX/XX/XXXX. When asked what was the remaining balance, The company representative informed me that the new balance was {$3.00} XXXX. 

My payment schedule was 72 Payments. The car was purchased in XX/XX/XXXX. 

Year/ Make/Model XXXX XXXX XXXX XXXX XXXX XXXX XXXX FINANCE CHARGED XXXX AMOUNT FINANCED XXXX TOTAL OF PAYMENTS XXXX DOWN PAYMENT XXXX