davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-11
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. (CA)

I have spent almost 50 hours trying to resolve this its extremely frustrating and outrageous. I had an XXXX credit card, I made a purchase back in 2016 for a hair dryer and the cashier was new and accidentally charged me twice for the hair dryer. They assured me that they removed the charge however they DID NOT! This mistake has snowballed into this never ending nightmare which has really had bad effects on my credit report and is now a massive bill in collections even though XXXX has admitted to me on recorded line that they pulled up the transaction and it was a billing error on their end. They said that although it was there fault that they could not do anything to repair the damage because they were not connected to the credit card company! So Im caught in the middle of two corporations and I am getting bullied basically. Its really so frustrating
Consumer complaint received 2023-05-22
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : XXXXXXXX XXXX XXXXXXXX ( Original Creditor : Medical : XXXX, XXXX XXXX XXXX : XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XXXX, XXXX 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 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 2024-02-12
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: Experian Information Solutions Inc. (FL)

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-21
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. (IL)

I have requested pre-approval letter for my mortgage. I have permitted my lender to run credit inquiry for that and he ( XXXX XXXX ) ran credit one time on XX/XX/2021 ( XXXX XXXX ). But on my report one more inquiry shown on XX/XX/2021 which I did not authorized and it was failed somehow. So, I tried to contact all three bureau Transunion, XXXX and XXXX. I only got response from XXXX but I am not satisfied with their answer. However, I did not get response from other two reporting agency and its hard to reach them and also they don't provide service online as XXXX provide. So, my ultimate goal is to remove unnecessary wrong inquiry from XX/XX/2021 and keep from XX/XX/2021 which is valid. 
My other half ( my co-borrower ) and I requested pre-approval letter same time and we both faced same issue. XXXX removed inquiry from his report and waiting for other two to remove from report. So, I tried to reach directly to them to resolve issue without complaining on this platform. But it was really really tough to reach them over the call.
Consumer complaint received 2019-06-24
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: REGIONS FINANCIAL CORPORATION (TN)

I opened a checking account with Regions bank in XXXX, TN on XX/XX/XXXX for my mother 's Medicaid Qualified Income Trust, as required by the state of Tennessee. I provided the legal documents establishing the trust, again, as required by the state. 

Late on the afternoon of XX/XX/XXXX I received a phone call from the Regions employee that processed my new account paperwork and was told that " we can't open this account per our legal department ... if we make an error and charge a monthly fee we could cause the customer to lose their Medicaid benefits. We don't want that risk. '' I asked for more clarification, and was told I could come into the bank to discuss it. 

I met with the branch manager on XX/XX/XXXX who told me exactly what I had been told the day prior. I expressed my concern that the trust documentation in Article IV Section F clearly authorized the bank to collect a service charge for the administration of the account. I also pointed out that I, as Trustee, was the liable party for any errors. The branch manager maintained that their position had not changed, they would not open the account, and that the bank had NOT been opening Medicaid Qualified Income Trusts since XXXX. I expressed my concern that this policy discriminated against people receiving public assistance and that I wished to speak to someone in the legal department who could explain the rationale for this policy to me. The branch manager offered to file a complaint on my behalf, and I agreed. 

On XX/XX/XXXX I had heard nothing from Regions about the complaint that was filed and called the branch manager to follow up. 

On XX/XX/XXXX I received a call from a customer service liaison from Regions corporate who relayed to me the exact information I was given on XX/XX/XXXX and XXXX. When I pressed for more information regarding 1 ) how Regions Corporate could deny to open an account that was required by the state of Tennessee, and 2 ) how Region 's policy was not discriminatory to people on public assistance. I was told that I could not speak to the legal department, but that contact would be made with legal again with a note for them to contact me. I was informed that Regions would not open the checking account for the Medicaid Qualified Income Trust. As of this writing ( XX/XX/XXXX ) I have heard nothing from Regions. 

Regions Bank 's reason for not opening this account was that the potential for error if they charged an account fee was a risk they were not willing to take. This is at best a flimsy excuse, mainly because other banks in this area not only DO open Medicaid Qualified Income Trust accounts but they ALSO charge account fees for them. My feeling is that this policy discriminates against people who are eligible for public assistance, a fragile and vulnerable set of people who quite frankly don't deserve this treatment. 

I have asked Regions repeatedly to explain to me how their policy is not discriminatory and to date NO ONE HAS PROVIDED AN EXPLANATION.
Consumer complaint received 2019-06-24
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Roycroft Management (SC)

First I want to point out that this complaint is not about the original creditor XXXX. This complaint is related to the third party collector, Central Mediation Services. I did default on the loan initially taken out for {$800.00} total with finance charges {$2000.00}. 

I received a call from XXXX, phone XXXX on XX/XX/2019. He left a rude message stating he did not know what I had gotten myself into and threatened to show up to my job and home to serve me papers which scared me. He threatened I would be sued for fraud, etc. He also left my full social security number, address and SC Drivers License number on my voicemail. He left a phone number to call back, XXXX. When I called this number the same day I was transferred to XXXX XXXX at Central Mediation Services. We got off on the wrong foot and I admit I was skeptical and upset. He initially hung up on me. I called back and ended up being pressured into making a payment arrangement for payments that I could not afford. XXXX XXXX and XXXX sounded like the same person to be honest. I was transferred to XXXX who took the payment arrangements and then hung up on me. I was promised paperwork in XXXX hours. I had to call Central Mediation Services back today XX/XX/2019 and request the paperwork. When I got the paperwork I first noticed it had the wrong account number for my XXXX  account. I called XXXX  and they said that my account had been sold to XXXX XXXX XXXX, XXXX. I did call and leave a message for XXXX XXXX XXXX. I also replied to the email that sent the paperwork over and asked how Central Mediation Services is related to XXXX XXXX XXXX. XXXX XXXX ( XXXX ) contacted me by phone from XXXX. He was nice at first answering my questions but ended up telling me my questions were XXXX, said that I should not have taken the loan out, that I did not want to payback the loan and was overall very unprofessional and pushy. He belittled me basically. I asked for a better payment and for the payments to start in XXXX and he stated you have had two years to make a payment and you haven't. He said he was going to recommend XXXX XXXX XXXX proceed with legal action. He also stated that he was cancelling the payment arrangement. I told him that I had left a message for XXXX XXXX XXXX. I was asking for a lower payment and the payments to start in XXXX. Honestly, I thought the entire thing was a scam, he never really explained how XXXX and XXXX are related. Every person I spoke affiliated with Central Mediation Services used scare tactics and threatened me with legal action.
Consumer complaint received 2024-02-12
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: Experian Information Solutions Inc. (PA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-05-22
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)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-06-24
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo wrongfully reported me late for the month of XX/XX/XXXX attached is a statement that shows I paid in XXXX my XXXX payment and also another payment for the next month and never applied it or XXXX payment then reported me late. 
Ive called them and they claim that I am not allowed to pre pay a month in advanced, when I asked them to show me that in my contract where Im not allowed to do so - they replied that it doesnt show anywhere in the contract where I am allowed to prepay next months mortgage payment. 

Please advise
Consumer complaint received 2019-06-24
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: GMA Investments, LLC (FL)

Today, XX/XX/2019, XXXX from Summit Receivables contacted my work phone number. A co-worker who is now in that position answered the call. When XXXX asked for me, my co-worker explained that I am no longer in that department. XXXX said that she was from Summit Receivables and this was an attempt to collect a debt. She told her that the call was being recorded. My co-worker looked up my new phone number to transfer the call. I do not know who the original debtor is or what is owed. I am furious that I would be embarrassed at my place of employment by speaking to someone other than me.
Consumer complaint received 2024-02-12
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: Experian Information Solutions Inc. (NM)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2018-02-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (TN)

On XX/XX/2018 I called Santander Consumer USA to discussed have my payment were only being applied to interested only. When I spoke to the customer service rep she was unable to explain why all on the payment were being applied to interest regardless of the amount of payment. I check the back of my statement and it does not specify have payment are applied. My schedule payment amount is XXXX. I typically pay XXXX instead of XXXX. I would like details as to how and why my payments are only being applied to interested. I understand that this is a high interest loan, however I do not understand Santander accounting practices.
Consumer complaint received 2019-06-24
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: The Law Offices of Mitchell D. Bluhm & Associates (FL)

Received a letter from XXXX XXXX stating I owed a debt that I dont owe. They are using strategically misrepresentations of the facts to imply they are a law firm not a debt collection agency. 

I told them I was the victim of identity thief. 

I stated the debt was not valid and requested they produce competent evidence that bares my signature to prove I owe them a debt. Future more until they are able to produce valid documentation they do not take any future actions. 
The phone representative told me she could send me an invoice. I requested a signed agreement with my signature. She told me they had no legal obligation to provide such a document. 

Since the voice recording at XXXX states its a law office and the phone representative reaffirmed it, I told her to transfer the call or have the lawyer in the office call me. She told me no lawyer is going to call or is in the office.
Consumer complaint received 2018-01-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: WELLS FARGO & COMPANY (MN)

I opened a Wells Fargo credit card with 0 % for 15 months. I initiated a balance transfer of {$5000.00} dollars from my new credit card to XXXX XXXX XXXX sky miles card. It never posted to XXXX XXXX and I 'm being charged interest every month! XXXX XXXX claims they never received the money, Wells Fargo claims they sent the money at the beginning of XXXX. Wells Fargo ca n't provide me with any transaction info I if they actually sent it, where they sent it, or anything else. In this day and age, it ca n't be possible that transactions are n't easily traceable. This is absolutely ridiculous. I 've contacted both institutions multiple times, I 'm basically being robbed of money in interest.
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY (OR)

I saw and my monitoring credit bureus two inquiries I never request on my credit score.

I contact the banks and let them know It wasn't me. I sent letters, I called multiple times to the banks and the credit bureus and I never got any answer o solution to this problem.
Consumer complaint received 2023-05-22
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. (GA)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

The date of last activity reporting on this account is inaccurate. It's reporting that the date of last activity os XX/XX/XXXX ( XXXX  ) and XX/XX/XXXX ( Equifax ). From my understanding the date of last activity is a date which the account last updated. Why is there a gap of 5 years between Equifax and XXXX. From my understanding I have a right to fair, complete, and 100 % accurate reporting which can not be the case if one account has been updated as of recent and the other account has not. I also made the credit bureau 's aware of this previous to this new update and nothing happened. The account information remained verified despite the fact that I used information that came directly from my credit report.
Consumer complaint received 2022-12-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY (MA)

Wells Fargo Bank. I am a checking account holder in MA, where WF has NO locations. WF was hacked a few months ago and notified me that my account was among those compromised in this data breach. As a result, WF encouraged the opening of a new checking account, which I did. They also provided me free credit checking services for a period of time. Since that time, WF has been witholding $ $ from my monthly interest payments, indicating that they do not have a properly filed W-9 on file. I phoned WF and they sent a W-9 form, which I filed and returned. They have indicated that this form was not completed to their satisfaction and they have continued the witholding.

I have called repeatedly and received email communication advising me to go to a branch location to complete another W-9. I have advised that WF has NO locations in my state and offered to send in a newly completed form if someone/anyone could advise where this should be sent. EVERY time I call, I am routed to another person, put on hold for upwards of an hour and advised to wait for further instruction. 

This is madness -- -and in my view, a violation of the Massachusetts Consumer Protection Statute c.93A. WF had a breach, and they are now imposing a hardship on a customer as a result. Indeed, one WF customer representative advised that I just drop the issue and deal with the witholdings at tax time. This can not be the law -- -Please help!
Consumer complaint received 2020-09-25
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. (MA)

Dear Cfpb / Credit Bureaus/Experian, XXXX, and XXXX  ; I was going through my credit again this morning and I'm still shocked and amazed that you guys failed to fix and remove those wrong personal information on my credit like the wrong variations of my name, unknown address, wrong name, wrong addresses, unknown accounts, etc. I've sent at least 6-7th different request with supportive documents to show you that you continue to report wrong information but you failed to fix those issue. I'm not sure if you just simply neglecting my request or not getting them. 

Those are not my information and it continues to report wrong. Please correct my name to show the attachment. Delete any unknown addresses, other than the one that i gave you, remove the wrong name and the variations of the name, remove any those unknown accounts list. PLEASE FIX!