davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-27
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. (ME)

Back in XXXX of 2021, I mailed letters to the credit bureaus requesting verification of a derogatory account that is being reported on my credit reports from XXXX XXXX, alleging that I owe {$2700.00}. I have disputed this account multiple times and provided SOLIF PROOF that I 100 % do NOT owe this debt ; however, the credit bureaus have repeatedly claimed that they " verified this account as accurate. '' Therefore, in XXXX of 2021, I physically mailed letters to the credit bureaus, exercising my rights under the Fair Credit Reporting act, requesting that the credit bureaus provide me with the METHOD OF VERIFICATION that was used for supposedly " verifying '' this account as " accurate. '' I specifically requested a copy of the original contract with my signature for this account. This was NOT done. Upon XXXX 's receipt of my letter, all that they did was open yet another dispute, which was NOT what I asked for, only to, once again, claim that they " verified the account. '' TransUnion did NOTHING. They did not even respond to my letter and it has been WELL over 30 days, which is the required timeline to respond. XXXX did the correct thing and immediately deleted this account from my XXXX report, so now I am left dealing with XXXX and TransUnion, who have failed to honor my request and have officially VIOLATED MY RIGHTS UNDER FCRA by failing to provide me with the very specific information that I requested. In addition to this, both of these bureaus have repeatedly ignored the evidence that I have provided, which serves as SOLID PROOF that I do NOT own XXXX XXXX a single dime and that this account is being FALSELY and SLANDEROUSLY reported. Since TransUnion and XXXX have failed to respond to my XXXX verification letter within 30 days ( it has now been 2 months ), they are required to IMMEDIATELY DELETE this account from my credit report. If this is not done, I have already secured a consumer attorney and will be filing lawsuits against XXXX and TransUnion and will be seeking monetary damages for violating my rights under the Fair Credit Reporting Act. Also, please see the two documents attached to this complaint.
Consumer complaint received 2021-05-17
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. (IL)

I have submitted letters to Transunion in regards to unauthorized inquiries on my credit report. I sent the multiple letters and have waited over 50 days and have heard nothing back. Legally these unverified accounts need to be removed.
Consumer complaint received 2018-07-12
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. (NJ)

Persons in charge, I am filing a complaint against credit bureaus about inquiries on my credit reports that were not authorized by me. A few years back my credit had been compromised because my identity was stolen. I have made several attempts to get this rectified with the credit bureaus and have not been able to get satisfactory results since these inquiries were unauthorized. 
XXXX is reporting a total of 13 inquiries. Four of which I am responsible for are listed below as : *XXXX  XXXX XXXX, XX/XX/2018 XXXX XXXX XXXX XXXX , XX/XX/2018 XXXX XXXX, XX/XX/2018 *XXXX XXXX/XXXX  XX/XX/2018 I have contacted XXXX to resolve this issue and even with a fraud alert placed on my report my credit is still being pulled without proper authorization. 

My Transunion report shows 19 inquiries. 
3 of the 19 were authorized. 
XXXX XXXX, XX/XX/2018 XXXX XXXX , XX/XX/2018 *XXXX   XXXX, XX/XX/2018 The only inquiries authorized on my XXXX  is XXXX XXXX XX/XX/2018.
Consumer complaint received 2024-03-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I understand FCRA 605B necessitates the removal of any inaccurate accounts from my credit report. Could you please examine the documents? Certain listed accounts are incorrect, and it's unsettling for me
Consumer complaint received 2017-06-26
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: Cottonwood Financial Ltd. (NM)

I took out a title loan I was promised a {$50.00} rebate if I took it out with the Cash store. I have made payments and then could not pay full amount every month. I have paid the interest they said I had to. Then they would restate the loan which I do n't know why they need to restate it other than the APR has run its course. Now they want more interest instead of letting me pay the loan. There was a shady character come to my house no papers and never have I been served that they are taking my truck the Title they have. I feel that my payments have never been applied to the principle. They are practicing shade tactics. Are they loan sharks?
Consumer complaint received 2022-01-27
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: Experian Information Solutions Inc. (TX)

i received a notification on XX/XX/2022 that there was an inquiry on my credit report from XXXX XXXX Bank in XXXX XXXX SD which lowered my credit score as a hard it due to inquiry down to XXXX points. I contacted the bank on XX/XX/2022 at XXXX am cst and learned a credit application was fraudulently open in my name and with my social security number. The bank sent me a let dated XX/XX/2022 reference number XXXX XXXX to file a identity theft report with FTC. With the report i can forward the copy to them for this to be removed from my credit. XXXX XXXX Bank is not willing to correct the error and insist i do all the work to correct their action of accepting a fraudulent credit application.
Consumer complaint received 2022-01-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

i received a notification on XX/XX/2022 that there was an inquiry on my credit report from XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  which lowered my credit score as a hard it due to inquiry down to XXXX points. I contacted the bank on XX/XX/2022 at XXXX am cst and learned a credit application was fraudulently open in my name and with my social security number. The bank sent me a let dated XX/XX/2022 reference number XXXX XXXX to file a identity theft report with FTC. With the report i can forward the copy to them for this to be removed from my credit. XXXX XXXX XXXX  is not willing to correct the error and insist i do all the work to correct their action of accepting a fraudulent credit application.
Consumer complaint received 2022-09-27
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (IA)

I opened an account with Comenity BankXXXX XXXX XXXX XX/XX/XXXX. I have been making payments in store in amounts typically in excess of the minimum due while I was on a differed interest plan. I learned in XXXX 2022 that my account was closed without my knowledge. Since then, the attempts I have made to continue payments are not successful. I have reached out by phone to the number on the back of my card. While on the phone, I get transferred to a so-called debt resolution department which is nothing more than a voicemail box. The account in question is still reporting to my credit reports. It has also come to my attention that there was an inaccurate out of state address that was added to my account since my application was approved according to the XXXX XXXX, IA XXXX XXXX. The call center for Comenity disagrees.
Consumer complaint received 2022-04-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERISAVE MORTGAGE CORPORATION (LA)

They marked me as delinquent despite me paying early every month plus additional for principle ; they were not crediting my account and as a result I have more interest and not less principle and could have had my credit hit for being late due to Their misapplication. 

After switching home owners insurances a couple times within 6 months, my escrow account was short due to payouts while we waited for refunds. Without notifying me, Amerisave applied some of my mortgage payments in full to escrow or taxes and noted my mortgage account as delinquent one month. Over the next 5 months I have had at least 8 recorded conversations with Amerisave about them misplacing a refund check they received directly, misapplying multiple checks ( Escrow refund applied to mortgage and my mortgage to Escrow, etc ), and failure to fully communicate with me about new shortages in Escrow somehow related ( after all these conversations, Im still unclear why there is a shortage despite full refunds being now applied to Escrow because every staffer had different ideas about why it MIGHT be ). I have lost hours on the phone with them in which each one ends with them telling me all has been fixed and we are square. Now they sent me a refund AND when I called to ask why, the answer is convoluted and they also say I owe about twice the refund they just sent me.

Yearly they up what I must pay and then also send me a refund within a month or two of the change. They are always confused. This practice seems illegal and distasteful at best.
Consumer complaint received 2022-04-11
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: ENCORE CAPITAL GROUP INC. (CO)

This company calls me multiple times a day and repeatedly calls me before XXXX XXXX. They call from 8 different numbers currently, and I have blocked other numbers they repeatedly call form at early hours. Below is a list of some of the numbers they call from and some of the times they have called that are protected. I asked them repeatedly to not call at this hour. When I talked to them in XXXX they were rude and hostile and threatening. 
DATE TIME # CALLING FROM XX/XX/22 XXXX XXXX XX/XX/22 XXXX XXXX XX/XX/22 XXXX " " XX/XX/22 XXXX XXXX XX/XX/22 XXXX XXXX XX/XX/22 XXXX " " XX/XX/22 XXXX XXXX XX/XX/22 XXXX " " XX/XX/22 XXXX XXXX XX/XX/22 XXXX XXXX
Consumer complaint received 2022-04-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (FL)

I have had my mortgage with Truist since XX/XX/XXXX. The first 4 months I couldnt make payments on line because the phone # they had for me was incorrect so every time I tried to reset my password it would go to their customer service XXXX number because that was what was input during the botched data base merger when they merged SunTrust and BB & T. I had to go into the local branch in down town XXXX to get it straightened out. The manager XXXX XXXX helped me fix the online issues ( I thought ) and helped make a payment of {$1100.00} and {$200.00} additional on XX/XX/XXXX. The only thing that posted to my account was the payment on principle of {$200.00} I received an email XX/XX/XXXX that my XXXX payment was past due. I want my XXXX payment to reflect that it was paid on XX/XX/XXXX. I havent been able to resolve this issue through Truists customer service. Ive called numerous times and have been told I will be called back and no one ever calls me back.
Consumer complaint received 2024-03-09
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Keeping payments on this account consistently prompt has been my practice, avoiding any instances of overdue payments. I'm unsure why there are reports of late payment remarks on my accounts. As per 15 USC 1666b - Billing Error, necessary corrections should be enacted.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

According to XXXX v Transunion XXXX. Transunion is supposed to ensure XXXX POSSIBLE ACCURACY. This account violates there laws 15 USC 1681i 15 USC 1681s2 15 USC 1681i5 15 USC 1681eb. Delete ACCOUNT
Consumer complaint received 2019-07-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (TX)

On XX/XX/2019 Jefferson Capital Systems address XXXX XXXX XXXX. XXXX XXXX MN XXXX phone number XXXX. I was transferred four times! I was talking with a XXXX, XXXX, XXXX and the first lady I couldn't hear her very quick speech. No one could give me a fax number everyone had the same speech " that they used to have one ''. Im unsure about company 's they're working in an office no email no fax number. How do they stay in business. People cant get documents or anything more from clueless employees. We have the rights to send them this. I hate that I have to get on here for someone to get this out to this sad company that can't give out information that should be posted on paperwork on a website something. I have never received anything from these people. Never heard of them until I look at my credit report.
Consumer complaint received 2017-06-26
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A. (TX)

I have been emailing my support specialist and  never emails me back. He does n't answer his phone either. Again XXXX could you please email me back? I also need a copy of PSA What is going on with my file? I have been sending documents and no one calls me. I get a letter saying documents received and my support specialist will contact me. Do I need to tell my lawyer to move forward with the lawsuit? I have been trying speak with you today and I can never seem to get hold of you I sent an email as you see below and you never ever reply to my emails. Why should I have to call and schedule an appointment that takes 2 days to speak with you and nobody seems they can help me because they say I have to speak with you. If you just reply to my emails that I send it should only take a few minutes to answer my questions. Instead of me calling and having to wait 2 to 3 days.
Consumer complaint received 2022-01-27
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

On XX/XX/2021, I sent letters to consumer reporting agency requesting that they cease the reporting of four accounts noted on my consumer report. Along with that letter, was enclosed supporting letter from the court that acknowledged that the court DO NOT report to the consumer reporting agency. It is clear that the accounts noted on the report did not report that information and that the consumer reporting agency accepted or paid for stolen information on me. The agency claims that the account was verified and will remain on the report. That is either a lie or an error. The agency has failed to release its source of verification and I have not given any company permission to report this private information. The consumer reporting agency has chosen to violate my consumer right to privacy, and report information that is unfair and inequitable. Its reporting has added severe stress and is causing me physical and mental anguish. I am being taken advantage of and it is making me ill.
Consumer complaint received 2022-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (SC)

I have asked for my credit report to be accurate, removing delinquent accounts or providing proper debt validation as well as taking down all proper addresses, work places and phone numbers except for what is current. I have been a victim to fraud and do not want all these addresses and numbers that are incorrect on my credit report. I have written several letters and have been ignored every time.
Consumer complaint received 2022-01-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (CA)

American Express closed my worker 's card in an arbitrary, capricious and XXXX. 
Because of this, I have demanded that American express refund my annual fee. 
I did it via a phone call to Amex customer service at around XXXX Pacific Standard Time on XX/XX/2022. 
Amex refused my request in the following manner : ( i ) customer rep XXXX ( who said he was based in XXXX ) insulted me by calling me a XXXX without any reason ; ( ii ) XXXX, a customer service rep in XXXX, North Carolina, with phone ID XXXX, insulted me by laughing at me and saying that I was talking funny. This was offensive and XXXX towards myself, an XXXX in the US with an accent. 
( iii ) XXXX ' supervisor XXXX XXXX in XXXX, North Carolina : ( a ) refused to refund my annual fee ; ( b ) refused to apologize for XXXX calling me a XXXX and for XXXX telling me I was funny ( c ) Insulted me by telling me that the things that I was saying were funny. 
( d ) refused to say why the credit card of my worker was closed Since Amex closed my worker 's card they must refund my annual fee. 
American express should also stop being XXXX and apologize to me for XXXX insults.
Consumer complaint received 2022-04-11
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. (LA)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help
Consumer complaint received 2017-06-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DE)

Bank of America closed two credit cards without any prior communication to me. I only found this out on XX/XX/2017 when I logged into my account from online. This has caused considerable inconvenience to me as it limits my access to credit. It also caused sizable financial damage to me as reward points/cash rewards worth over {$1000.00} were taken away. The two credit card accounts had been in good standing. I had not missed any payment and always paid the statement balance in full. I had also used these cards for purchase several times in the last 6 months. One of the cards was Merrill Plus VISA signature card. I had XXXX unused reward points on this account before the involuntary closure. I had earned them legitimately by making purchase of goods but now these reward points are gone. These reward points have redemption value of $ 530- {$1000.00} according to the popular credit educational site, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ). I had already planned to redeem these reward points for my overseas XXXX trip plan this year but now I may have to cancel the trip because of closure of the card. Another card was Bank of America Cash Rewards Card. There were {$12.00} cash rewards on the account before the involuntary closure. The rewards are also gone after the closure of the card.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-05-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (FL)

After reviewing my credit reports on XX/XX/2021 on XXXX  and XXXX  I noticed that a company by the name of LVNV Funding LLC is reporting that I owe an account to them with a balance of {$210.00}. I have never held an account with such company and this balance is the result of fraud. I am asking that LVNV remove this listing from my credit reports immediately upon conducting an proper investigation. I have no recollection of this account or any other accounts associated with this debt. My identity was stolen a couple years back and this account appears to be the result of such.
Consumer complaint received 2016-03-23
Product: Money transfers — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Paypal Holdings, Inc (CA)

I used Paypal to request payment using XXXX new features, the " request money feature '' and the " invoice feature '' on XXXX XXXX, 2016. 

Neither I nor the payer were notified of the fees being charged. Paypal alleges that disclosing fees in the FAQ section and Terms and Conditions was adequate, and they could represent the transaction in a way that neither user would pay fees.