davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2018-12-11
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Neon Newco Corporation (WI)

I have requested prepaid XXXX master card .Nobody told me upfront that there is a fee {$4.00} per month. 
Also fee is usually charged after 1 month of service .My unexpected fee was charged 2 days after first transaction. 
When I emailed my request to close the card, received response : " The XXXX Prepaid Mastercard is issued by XXXX  XXXX XXXX, Member FDIC, pursuant to license by XXXX XXXX XXXX. Netspend, a XXXX XXXX, is an authorized representative of XXXX XXXX XXXX. Certain products and services may be licensed under U.S. Patent Nos. XXXX and XXXX. Use of the Card Account is subject to activation, ID verification and funds availability. Transaction fees, terms, and conditions apply to the use and reloading of the Card Account. See the Cardholder Agreement for details. 

Mastercard is a registered trademark, and the circles design is a trademark of XXXX XXXX XXXX. 

Card may be used everywhere Debit Mastercard is accepted. " It actually doesnt answer my question Can you please help me to close card and transfer remaining balance to any of my accounts?
Consumer complaint received 2019-03-26
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. (CO)

XXXX  and Transunion are reporting incorrectly that I am 90 days past due on the XXXX  XXXX - partial account numbers XXXX and XXXX. ( Please see page 3 of the attached credit report. ) This account reflects a {$0.00} balance and {$0.00} past due. 

XXXX and Transunion are reporting incorrectly that I am 60 days past due on the XXXX XXXX - partial account number XXXX. ( Please see page 5 of the attached credit report. ) This account reflects a {$0.00} balance and {$0.00} past due.

This incorrect reporting is harming my credit score. It is impossible to be 60 to 90 days past due on accounts that have a {$0.00} balance and {$0.00} past due.
Consumer complaint received 2018-12-11
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: LANIER COLLECTIONS AGENCY AND SERVICES INC (GA)

The medical collection debt from Lanier Collection Agency/XXXX has three separate amounts listed for {$120.00}, {$81.00}, and {$53.00}. I am unclear on where and when these said amounts were originated. I have maintained medical coverage for the past 10 plus years of my life through XXXX XXXX and XXXX XXXX. I am very interested in receiving an itemized bill/statement for my personal review to compare with my insurance statements/payments for the services rendered in question. I have reached out to Lanier Collection Agency to request validation of these amounts by submitting disputes to XXXX. The dispute was completed and I was notified that Lanier Collection Agency has issued validation for these amounts, however I ( the consumer ) did not receive anything. I have a professional background in XXXX XXXX XXXX XXXX and I am very aware that mistakes regarding amounts are commonly made, and I need to be sure that I am paying a debt that is first mine and secondly billed correctly after my insurance coverage has been applied.
Consumer complaint received 2018-12-13
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. (MA)

I was sent two letters from XXXX regarding end-of-lease fees. The first amount was {$1500.00} ( approx ). This was for minor scratches and dents. This amount was sent to the credit bureaus as a " new monthly payment amount '' and dropped my score heavily. I called chase and disputed the amount. On XX/XX/XXXX, I received a letter dated XX/XX/XXXX for {$320.00}. It was actually hard to read and took about 5-6 reads to understand. On XX/XX/XXXX, I received an email from XXXX XXXX that my score dropped, this time 70 points due to missing a payment. XXXX XXXX  sent it to the credit bureaus. I paid it on XX/XX/XXXX on the phone with XXXX and began disputing it as late, considering the letter had no indication of paying within 30 days. A woman at XXXX XXXX  stated " pay upon receipt '' means due when they send out the letter, which means the count down starts XX/XX/XXXX. She also stated I should know better than to call on a Saturday to figure things out, as her department isn't open on Saturdays. That means no extra time for it to go through the USPS and arrive at a person 's house. It took 5 mailing days to arrive. I disputed with Transunion and they replied that XXXX said it is indeed correct. I received a letter in the mail dated XX/XX/XXXX ( received XX/XX/XXXX ) also from XXXX stating it is Massachusetts law that I can appeal the {$320.00}. I think that is a little late to issue such a letter, given the damage done.
Consumer complaint received 2022-05-04
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2022, I applied for a XXXX Line of credit for the amount of {$100000.00} ( application reference number XXXX ). On XX/XX/2022 I received an email saying my " Wells Fargo XXXX line of credit has been conditionally approved " and was awaiting my completion of a Certification Regarding XXXX XXXX XXXX XXXX XXXX XXXX form. I completed the form and received no correspondence from Wells Fargo until I called on XX/XX/2022 and find out that a Line of Credit was approved and opened in the amount of {$10000.00}. I was never presented a counter offer to what I applied for, nor was I presented a final term document to approve. I was given no information of the final terms of the line of credit, including interest rates and other terms. How can a bank open a line of credit, affecting my credit score, without my authorization of final terms and amounts?
Consumer complaint received 2020-07-25
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Onity Group Inc. (TX)

Separate and aside from criminal conduct as set forth and explained within the correspondence annexed hereto as Exhibit " A '', XXXX XXXX XXXX ( " XXXX  XXXX XXXX '' ), the latter 's employee XXXX XXXX XXXX ( " XXXX  XXXX '' ) in conspiracy with XXXX XXXX XXXX " XXXX '' ), PHH Mortgage Corporation dba PHH Mortgage Services ( " PHH '' ), XXXX XXXX XXXX ( " Attorneys XXXX  '' ) and others, are evading my demands and request made pursuant to the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1962 ( g ) ) ; N.J.S.A. 12A:3-308 ; the Real Estate Settlement Procedures Act ( RESPA ) ( 12 U.S.C. 2605 ( e ) ) and the Truth in Lending Act ( TILA ) ( 15 U.S.C. 1601 et seq. ) ; and 15 U.S.C. 7021 ( f ). 

Furthermore, as set forth within my communication to be forwarded to the foregoing parties that is annexed hereto as Exhibit " A '', along with Exhibits B through I that are also enclosed hereto and explained within my communication submitted herein as Exhibit " A '', XXXX  XXXX XXXX and the latter 's employee Attorney XXXX on behalf of XXXX and PHH submitted false - forged evidence to the CFPB on XX/XX/XXXX constituting violations of 18 U.S.C. sections 1001 and 1343. 

Specifically, the foregoing parties continue to misrepresent that I defaulted on my mortgage loan as of XX/XX/XXXX, while omitting and concealing the first foreclosure action set forth default as of XX/XX/XXXX with no payments made thereafter through XXXX XXXX, and I tendered approximately $ 21k in payments with approximately $ 16k being cashed, non of which I am being given credit for as explained within my communication annexed hereto as Exhibit " A '' and displayed within Exhibit " G ''. 

In closing, the conduct set forth above, explained within Exhibit " A '' and displayed throughout Exhibits " B '' through " I '' that are also enclosed hereto, constitutes continued engagement in unfair, deceptive, and unlawful practices by the foregoing parties in violation of consent judgments entered in the U.S. District Court for the District of Columbia on XX/XX/XXXX in Case No. XXXX and Case No.  XXXX on XX/XX/XXXX.
Consumer complaint received 2017-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

Today, XXXX XXXX, XXXX, I contacted all three credit reporting agencies ; XXXX, Equifax, XXXX. Only XXXX, Experian, provided a credit report. It had multiple errors, or which I filed a dispute. Both Equifax and XXXX could not provide any information because they could not verify my identity. I am quite sure they have multiple errors, also. When I accessed the information on the Equifax breach, it appears my information has been compromised too! 
XXXX XXXX
Consumer complaint received 2022-06-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (TN)

In XX/XX/2022, a checking account was opened at Wells Fargo in my name but not by me. There was a XXXX dollar balance so I didn't worry much about it until I received a letter in the mail in XXXX stating that " because I receive interest income, I need to sign, date and return the enclosed form W-9 to confirm your Tax Payer Identification Number as required by the IRS. '' I know better than to share my social security number, so I went to a Wells Fargo Bank on XX/XX/XXXX to speak with someone about this fraudulent account. She explained that it was fraud but stated no one at Wells Fargo was responsible. I disagree with her because someone had to approve the account in order to open it. 

During that visit, I closed the account and then went home to change my logins and passwords. I also put a freeze on all three Credit Reports.

I worry that some people may not know better and will fill out the W9 form providing more personal information.
Consumer complaint received 2022-02-15
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. (MI)

Hi I am submitting this XXXX XXXX without 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 n 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 us 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 XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Consumer complaint received 2023-07-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC (PA)

I set up payment plan from my bank XXXX & XXXX XXXX XXXX, Pa, the new company refused payment. 
XX/XX/2023 Dear XXXX XXXX, We tried to process your payment to PLANET HOME LENDING for {$1100.00} on XX/XX/2023, but it was returned to our processing center due to an invalid account number. The payment will be credited back to your funding account. Please allow 2 to 3 business days for the refund to post to your account.
Consumer complaint received 2022-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

Please Delete the following Incorrect Addresses and Employers listed below. 
XXXX - XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX - NEVER LIVED XXXX - XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX EQUIFAX - XXXX XXXX XXXX SPC XXXX XXXX CA XXXX CURRENT EQUIFAX - XXXX XXXX XXXX SPC XXXX XXXX CA XXXX PREVIOUS EQUIFAX - XXXX XXXX  XXXX EMPLOYER UNKNOWN?
Consumer complaint received 2022-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NC)

The following XXXX XXXX account was charged off as of XX/XX/2019. Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history which to my understanding, charged off accounts should NOT include an active payment history. Need I remind you, this also falsely manipulates the statute of limitations.
Consumer complaint received 2022-02-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I AM WRITING TO DELETE THE FOLLOWING INFORMATION N MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. 
I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE.
Consumer complaint received 2022-06-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PlusFour, Inc (NV)

Im dealing with plus four inc w debt collector that is saying I owe XXXX dollars or so to tusail and associates Ive never seen in XX/XX/21 and with desert radiology that I owe nothing to, Ive read the reviews on this place there located in XXXX XXXX XXXX  and other people have the same issue as myself I have no idea how they got my information but its affecting me and my credit please I need help from these crooks.
Consumer complaint received 2022-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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
Consumer complaint received 2018-10-18
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (MA)

XXXX reported a late payment which is negatively affecting my credit score.

This was one a rarely used credit card with electronic billing and was used in error. Once informed of the late payment, it was paid within 6 hours.

With over 25 years of credit history, my report has always been at the highest level and covers $ 100s of thousands of issued credit. 

The charge was for {$270.00}. 

I asked the bank to re-consider the credit reporting as the lengthy impact to my credit is not commensurate with the level of infraction. 

My request is that the late payment is pulled from the credit agencies. 

Thank you.
Consumer complaint received 2018-04-28
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

Both Bank of America and XXXX as public financial institutions are limiting or preventing myself and other U.S citizens ability to exercise our constitutionally protected right to bear arms and to protect ourselves. This is discrimination directed at an activity that is clearly protected by the second amendment. These companies had no issues taking tax payer money to keep their doors open, but are now slamming shut in the face of companies that make, distribute or sell these legally protected firearms.

The U.S Government when bailing these companies out determined they are too big a part of our financial system to fail. And being such a large part of that system should not allow them to choose what kind of legal business they will or will not work with.
Consumer complaint received 2022-06-15
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. (IL)

Hi I am submitting this 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 n 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 us 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 XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NV)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat payment on a credit card account under open end consumer credit plan as late for any purpose
Consumer complaint received 2021-09-16
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: Rocket Mortgage, LLC (TX)

I was contacted by a Rocket mortgage company to just get some general information about what might be needed if I decided to try and get a home. I was not looking to apply or look into my credit just wanting information. The gentleman never asked me if I was ok to run my credit and placed me on hold letting me know he was going to run some figures to give me some information and he ended up running my credit score which I never authorized.
Consumer complaint received 2022-07-22
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: EQUIFAX, INC. (FL)

In accordance wi the fair credit reporting act, XXXX XXXX XXXX XXXX account number XXXX has violated my rights and HIPPA violation 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 an account without my written instructions
Consumer complaint received 2022-02-15
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (FL)

I have been trying to get in contact with Experian for 3 years to get access to my membership so I can view my credit report and score. There is no one you can talk to over the phone they just refer you back to the app or website. When I click on forgot password or username it says that it sent an email to me, but I never received it. I need access to my information and I keep going in circles and never can speak to a live representative.