davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-10
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. (TX)

My XXXX XXXX acc reporting wrong info the open dates are wrong XXXX XXXX XXXX report says closed the other says paid date late one says XX/XX/XXXX the other says XX/XX/XXXX XXXX XXXX  Date open XX/XX/XXXX the other XX/XX/XXXX balance XXXX the other says XXXX past due XXXX the other XXXX last reported XX/XX/XXXX XX/XX/XXXX date last active XX/XX/XXXX the other XX/XX/XXXX XXXX XXXX Date open XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX the other say XXXX last reported XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX date last active XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX date of last payment XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX  Date open XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX last reported XX/XX/XXXX XX/XX/XXXX date last active XX/XX/XXXX XX/XX/XXXX Date of last payment XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2019-04-03
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. (DC)

In XXXX at the age of XXXX I was allowed to get a credit card from XXXX XXXX. 

According to Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any unverifiable, inaccurate, or outdated information from my credit report. 

Also, according to the Credit Card Accountability Responsibility and Disclosure Act of 2009 : ( 8 )  APPLICATIONS FROM UNDERAGE CONSUMERS. ( A ) PROHIBITION ON ISSUANCE.No credit card may be issued to, or open end consumer credit plan established by or on behalf of, a consumer who has not attained the age of 21, unless the consumer has submitted a written application to the card issuer that meets the requirements of subparagraph ( B ). ( B ) APPLICATION REQUIREMENTS.An application to open a credit card account by a consumer who has not attained the age of 21 as of the date of submission of the application shall require ( i ) the signature of a cosigner, including the parent, legal guardian, spouse, or any other individual who has attained the age of 21 having a means to repay debts incurred by the consumer in connection with the account, indicating joint liability for debts incurred by the consumer in connection with the account before the consumer has attained the age of 21 ; or ( ii ) submission by the consumer of financial information, including through an application, indicating an independent means of repaying any obligation arising from the proposed extension of credit in connection with the account. I was not 21 years of age when I was duped into having a credit card, I did not have any income, and my parents did not co-sign for me to have a credit card. I filed a dispute with Navy Federal but did not have the issue resolved.
Consumer complaint received 2019-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

To whom it may concern, on XX/XX/XXXX I made a payment for my XX/XX/2018 statement which was due on XX/XX/XXXX as well as an early payment for my XX/XX/2018 Statement. XXXX XXXX did not process my payment for some reason. Therefore, neither payment cleared. I did not find out about XXXX XXXX 's error until XX/XX/XXXX. I immediately called XXXX XXXX and made the payment. I asked the gentleman I spoke with on the phone if there would be any issues from this he said " no you should be fine. '' I recently looked at my credit report and XXXX XXXX is reporting me 30 days late in XX/XX/2018. 

The person on the phone when I called said my credit would not be impacted as the error with processing the payment was on their end and that I was not more than 30 days late pass due.
Consumer complaint received 2022-09-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/22, I received an email alert saying my email was removed from my XXXX. Upon checking my bank of america app, I was unable to login. I called the bank and they said it was because my bank account was being closed for undisclosed reasons. I went to a physical location to see if I could withdraw my funds in person before they would be mailed out, but I was unable to and after talking to a supervisor on the phone, they didn't give me any info at all. They said it was their policy to end business at any time. I have not done anything to warrant such a closure. I had about {$660.00} dollars at the time, and I had received no indication my account would be closed until today. I have also checked with Social Security and am in the process of verifying my security and the possibility of illegal use.
Consumer complaint received 2022-03-09
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. (DE)

I have a XXXX account that Ive had since XXXX. I originally started with a fresh start program in which you can graduate to a regular card after a period of 6-9 months. Due to unforeseen out of my control issues I fell behind in XXXX and XXXX of XXXX. I called XXXX immediately addressing my concern and giving heads-up about my account. Since then Ive had clean on time payment history. I sent a goodwill letter early last year to have to late fees removed as a goodwill courtesy. And they were removed or my payment history status on my Credit report for XXXX, TransUnion and XXXX. Or this changed on my report due to the age of the late payments. However, they are now back on my credit report. I shouldnt be held accountable for the late payments that occurred during the fresh start program. I would like XXXX to honor my goodwill letter and have the late payments removed from my credit report for TransUnion, XXXX, and XXXX in which I know they have the ability to do so. All in regards to me not having any issues for the past 3 years.
Consumer complaint received 2019-02-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (MI)

I.C. System Inc has an account on my credit report that I disputed from both XXXX and XXXX. I am aware that the reason I disputed the account is accurate, because they removed it from my XXXX report ( see attached ). It is still listed on my XXXX  credit report.
Consumer complaint received 2019-02-04
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)

Good Afternoon, The below inquiries were made without my permission and have been affecting my credit score for the past year and a half. 

XXXX XXXX XX/XX/2017 XXXX XX/XX/2017 XXXX XXXX XXXX XXXX XX/XX/2017 XXXX XXXX XXXX XX/XX/2017 XXXX XXXX XXXX XX/XX/2017 XXXX  XXXX XX/XX/2017 XXXX  XXXX  XX/XX/2017 XXXX XX/XX/2017 XXXX XX/XX/2017 XXXX XX/XX/2017 XXXX XX/XX/2017 XXXX XXXX XX/XX/2017 XXXX XXXX XX/XX/2017 XXXX  XXXX  XX/XX/2017 XXXX  XXXX   XX/XX/2017 XXXX XXXX XX/XX/2017 XXXX XXXX XX/XX/2017 XXXX XXXX XX/XX/2017 XXXX XXXX XX/XX/2017 XXXX XXXX  XX/XX/2017 XXXX  XXXX XX/XX/2017 XXXX  XXXX   XX/XX/2017 I have tried for the last year to have these inquiries removed and have been subjected to a non stop runaround from both the initial inquiry creditors and the credit bureaus. I believe that my ex husband had used my credit information to try and buy a car in XXXX/XX/XX/2017 but was unsuccessful. I have called the creditors and been told to dispute this with my crediting company however Transunion refuses to remove these inquiries without some type of removal letter. When i called the creditors to obtain this letter they informed me it does not exist and they refused to send confirmations for removal to Transunion because they would have to admit fault in a hard inquiry placed without my explicit permission.I just got off the phone with a transunion customer representative AGAIN and their issue is the same. That I can not file a dispute with them to remove these inquiries without written confirmation from the creditors, which they will not give me. 

Please help me, These numerous hard inquiries are ruining my credit and I do not know what else to do. 

Thankyou
Consumer complaint received 2019-04-03
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: EQUIFAX, INC. (MI)

Equifax will not allow me to dispute a fraudulent inquiry, even though I've stated to them it's fraud and I am a victim of identity theft. I have also provided them with a police report showing just that. They will not help me as the inquiry is fraudulent and I didn't apply for anything. The inquiry on question is XXXX XXXX on XX/XX/2019. Please help as they are not willing to help me at all.
Consumer complaint received 2022-09-16
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. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the item which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. Please verify all information is 100 % true accurate and correct and is not untimely, unverifiable, incomplete or inaccurate. 

XXXX XXXX XXXX XXXX Date opened XX/XX/2020 Balance {$390000.00}
Consumer complaint received 2020-08-03
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. (CA)

I have not received credit reports within the 30 days. I sent dispute letters XX/XX/2020 and XX/XX/2020. XXXX and transunion have yet to respond and this is really hurting my credit. Will you please make them respond to me.
Consumer complaint received 2019-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: AMERICAN EXPRESS COMPANY (CA)

I used an attorney to pay off credit card debt after divorce. I paid off American express bill of XXXX dollars in XX/XX/2016 to close account. My ex wife is trying to sell the home she was given in the divorce. Unfortunately American Express has placed a lien on the mortgage, despite the account being completely paid off.
Consumer complaint received 2019-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (MI)

XX/XX/2019 I called LexisNexis and told them they incorrectly reported to an insurance company that I had a federal tax lien. They told me there was nothing that they could do about it. I do not have a federal tax lien and do not want it reported that I do.
Consumer complaint received 2019-04-04
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (GA)

I am submitting this complaint about XXXX XXXX. The company representatives ARE RUDE AND UNPROFESSIONAL. They contacted me about a debt from an old apartment community where I worked and lived. They never explained the debt break down and have added interest on the debt and it is negatively affecting my credit score every single month. I am currently trying to purchase a home and I am unable to move forward in the process. This company has failed at communicating with me to resolve this issue. The original balance has now increased by {$1500.00}. This is a balance from XX/XX/2016.
Consumer complaint received 2018-11-15
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. (CO)

I originally contacted the company about a year ago and your governement agency about this problem. Nothing was resolved. I again sent a fax on XX/XX/18 and again today XX/XX/18. Equifax has had computer issues all day long and keeps saying they haven't received the fax when I have confirmation stating it has been sent. 


From : " XXXX '' XXXX Date : XX/XX/2018 at XXXX XXXX MST To : XXXX Subject : Fax Sent Successfully - Dispute Department , Equifax Dear Your fax to Dispute Department , Equifax at XXXX has been sent successfully. 

You can view delivery information at the following private fax status page. 

XXXX XXXX XXXX
Consumer complaint received 2023-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

THER ARE SEVERAL ACCOUNTS ON MY CREDIT REPORT THAT ARE REPORTING INNACURATE INFORMATION I HAVE REACHED OUT TO BOTH THE XXXX AND THE CREDIT BUREAUS SUCH AS EXPERIAN, XXXX AND XXXX. 
THE ACCOUNTS ON EXPERIAN ARE XXXX XXXX WRONG AMOUNT IS BEING REPORTED TARGET SAYS DATE LAST ACTIVE XX/XX/XXXX XXXX SAYS DATE LAST ACTIVE XX/XX/XXXX CHASE DATE LAST PAYMENT MADE IS INCORRECT CHASE DATE LAST PAYMENT MADE IS INCORRECT XXXX WRONG AMOUNT OWED IS REPORTED CREDIT XXXX XX/XX/XXXX SAYS PAID LATE, EVERY PAYMENT WAS ON TIME THE ACCOUNTS ON XXXX XXXX WRONG AMOUNT OWED IS REPORTED CHASE DATE LAST PAYMENT MADE IS INCORRECT CHASE DATE LAST PAYMENT MADE IS INCORRECT TARGET DATES LAST ACTIVE SAYS XX/XX/XXXX XXXX  WRONG AMOUNT IS BEING REPORTED CREDIT XXXX XX/XX/XXXX SAYS PAID LATE, EVERY PAYMENT WAS ON TIME XXXX XXXX XXXX XX/XX/XXXX SAYS PAID LATE, EVERY PAYMENT WAS ON TIME XXXX WRONG AMOUNT OWED IS REPORTED
Consumer complaint received 2019-04-04
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. (MO)

I have noticed that XXXX have placed an inquiry on my EXPERIAN credit file dated XX/XX/2018, XX/XX/2018 and XX/XX/2018. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. I requested both XXXX and EXPERIAN to verify these inquiries. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC? 1681b ) for an entity to view a consumer 's credit report without a " permissible purpose, '' I am writing to inquire as to their alleged purpose, for doing so since I did not apply for employment with their organization nor did I request credit from their organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) states, in part, " in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure are { { {$1000.00} } }, whichever is greater ; ''
Consumer complaint received 2022-09-16
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)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the item which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. Please verify all information is 100 % true accurate and correct and is not untimely, unverifiable, incomplete or inaccurate. 

XXXX XXXX XXXX XXXX Date opened XX/XX/2020 Balance {$390000.00}
Consumer complaint received 2019-04-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (MN)

Citi Bank Chat Dose not Work Citi Bank chat support worked 3 months and Now i can type in chat box until CITI BANK chat conects then I can no longer type words the CITI CHAT agent asks are you still there and CHAT WORKER close the Chat session becuse I cant Respond Im XXXX and dont use a Phone Citi Bank has no Online Email Writing this Complaignt im on Hold and Hour and never can talk to CITI BANK Support Im often a XXXX  living in a Forign country and the Only way to call and American Bank is With a International Long distance CELL Phone cost about {$4000.00} a Year CALLING from another Country CITI BANK puts me on hold 2 hours Could COST Hundreds of Dollers Per Phone Call I Lived in XXXX XXXX XXXX and opened and American CITI BANK acount and sucesfully USED my CITI BANK ATM CARD fore about 6 months then my 1st time Using CITI chat FROZE my acount and said call citi bank two Reopen acount and CITI Bank i plan two buy a house and close citi bank account by linking my other bank = citi bank should only be able two send money two my other bank i explian two citi bank phone support tranfer me two a supervisor im on hold a long time and eventually hang up and call citi bank agin IM VERRY UNHAPPY THAT CITI BANK CAN TAKE MONEY OUT OF MY OTHER BANK I should Log Into My Other BANK and SEND MONEY to CITI BANK from my other BANK
Consumer complaint received 2019-04-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (GA)

This company sent me a letter attached on XX/XX/2019 informing me of this debt. I contacted them immediately to dispute the item letting them know it was not mine. I asked them for verification of the debt and was expecting such. 2 weeks later I noticed that they have put this on my credit reports even after i disputed the validity of the account. It is not mine.
Consumer complaint received 2019-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (LA)

In XX/XX/2018, Chase Auto ( via XXXX XXXX XXXX ) did a credit inquiry against my wishes. I only gave them permission to run a credit inquiry through XXXX XXXX XXXX XXXX. I would like them to remove the credit inquiries from each credit bureau they used.
Consumer complaint received 2018-11-15
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Central Portfolio Control Inc. (NV)

I am receiving harassing phone calls and emails from the 2 collection companies that XXXX XXXX is using to collect whats I owe. I have spoken with the collection agency and gone over everything with them twice and they are verbally abusive, threaten me and speak down to me. They raise their voices during the call as well. They call my work phone and cell phone every morning and every evening including weekends. They are sending emails threating wage garnishment and the amounts do not match what I owe. I have hired a credit counselor to assist me and even he can see that the information isnt accurate. We have been disputing this for a month but the harassment and threats are what need to stop.
Consumer complaint received 2015-08-09
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (CA)

While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX XXXX on or about XX/XX/XXXX on Experian. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. 
I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. My Social Security # is XXXX and my Date of Birth is XX/XX/XXXX in case it is needed to locate the fraudulent inquiry in their system.
Consumer complaint received 2019-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (TX)

My car was declared a total loss in XX/XX/2018. XXXX payed off the loan except for {$1.00}. Santander never informed me of the remaining {$1.00} balance. Santander charged off the {$1.00} and reported it as a charge off to all 3 credit bureaus. I was never informed by Santander of their intent to collect the {$1.00} nor that they would report it to the credit bureaus without trying to resolve the issue. I've called Santander to ask them to remove the charge off but they insisted that I send a dispute letter for this charge off. This doesn't seem as though this is something I should do as they didn't bother to send me any correspondence of their intent to charge off the account and then report to the credit bureau as if I didn't complete the payment of the loan when XXXX didn't pay the full amount.