davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-04
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. (NV)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 2021-10-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX, XXXX and Transunion have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report
Consumer complaint received 2022-07-11
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. (OH)

In accordance with the Fair Credit Reporting act ; 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.
Consumer complaint received 2019-06-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY (NJ)

Im totally frustrated with my service with TD. They have constantly XXXX me over. I tried to activate a new card I received from them and told the card was invalid. I called customer service and they seem to be no help at all. I told her what was going on. So the bank sent me a card that wasnt working. I told her I had to get a temporary card due to fraud issues. 

I get to the train to purchase my fare and my card doesnt work. The incompetent agent deactivated my current card! I was stranded at the train station. Thank XXXX a person was able to purchase me fare to get to work this morning. Im tired of TD. You guys have taken so much money from me. Trust me I dont forget the XXXX  you guys taken from me putting my account in negative for 3 weeks. A dispute I know i did not do.
Consumer complaint received 2019-06-21
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE (CO)

I work in XXXX in an environment with a language barrier, poor internet service, and inability to make international calls. I arranged for Western Union to have money available for me, but the bank would not give me the money ( {$2000.00} US ) because Western Union had blocked my account. They blocked my account when I tried to access it from a friend 's phone. I understand that they must prevent fraud, but blocking a customer from badly needed resources without the ability to get immediate customer support is dangerous and annoying. Western Union must have immediate, personal customer support in a variety of manner, not just via international phone number. 
In the attached email, you can see that I asked that they contact me. Instead, I received a form letter email several hours later.
Consumer complaint received 2019-06-21
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: U.S. BANCORP (FL)

Us Bank Repoed my car XX/XX/XXXX told me I had until XX/XX/XXXX to Reclaim the car back on XX/XX/XXXX I went to the place they had my car Towed too the lady at the Window told me all she had was my Personal Belongings not the car come to find out on my Account with Us Bank they Sold my car on XX/XX/XXXX didn't tell me anything to this day I still don't know What Exactly Happened they Refuse to Accept that their the Blame for the Issue I have ask them to Delete this from my Credit Report and Stop Sending Derogatory Notes Stop Calling me because they were Wrong didn't even give me a Chance if anything they Owe me Some Money
Consumer complaint received 2019-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Transunion continues to inaccurately display employment data on my credit report. The report states that my employer is XXXX which is wrong the correct employer is XXXX, I have repeatedly disputed this information only for Transunion to not investigate anything and reappear on my report. After last dispute they sent out the same letter they have sent to me the last 3 times stating that my dispute was illegible and needs to be typed or the don't understand my dispute. That makes no sense. The dispute was typed and mailed in, so how can it be illegible. I have included a copy of dispute as well as the last 2 letters Transunion sent me. Make sure to look at dates they are the same letter with different dates. I also included a current pay stub from my employer XXXX. I have also requested several time for Transunion to send me information on how the verified info and I would like copy of the proof or verification. They have never sent me that information or proof that I have requested.
Consumer complaint received 2019-06-21
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: AMERICAN HONDA FINANCE CORP (FL)

On XX/XX/XXXX I turned in a used XXXX XXXX XXXX that was purchased at XXXX of XXXX XXXX due to the vehicle not being what I initially asked for. In order to get me out of that vehicle, they recommended that I lease a XXXX XXXX XXXX. However, with this transaction, a cancellation needed to be done on a warranty contract in regards to the XXXX XXXX XXXX XXXX. I was told that all I had to do was call the company XXXX XXXX, XXXX to cancel and that would be all. Unfortunately, after the paperwork was signed, the statement in regards to the warranty contract was untrue ; once, I spoke to XXXX XXXX, XXXX. They advised that XXXX needed to send them a cancellation check. I contacted XXXX of XXXX XXXX XXXX dept and spoke with XXXX who was the person who signed off on the XXXX lease. I was once again told that it wasn't a loan and there shouldn't be a problem for me to cancel. I ended up back and forward between XXXX and XXXX XXXX, XXXX in regards to the issue. I submitted a complaint here in XXXX in lieu of the harassment I was receiving from XXXX XXXX, XXXX and XXXX as of date hasn't fixed the issue. Complaint # : XXXX XXXX XXXX, XXXX after rebuttal emails and phone conversations telling them to contact XXXX whom also told them to contact him approximately 2 years ago, refuses to contact the dealership and has been harassing me since XXXX. XXXX needs to fix this issue. I've tried to solve this through XXXX when it first happened and once they had the sell, and I got stuck with a high monthly payment ; they seemingly didn't care to resolve this issue at all. XXXX XXXX, XXXX attempted to contact me on XX/XX/XXXX.
Consumer complaint received 2019-06-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Grant Mercantile Agency (CA)

Grant Mercantile age has 4 bills open up on the same month and day XX/XX/2018. I have tried to talk with them and telling them that is not mine I have filed a police report it was my sister she has all of my information and I have press charges on her so when I talked with the company they were very rude, so I filed small claim court paper to take them to court and someone called me from there company and told me that they would take care of this so I never went to court thinking everything was going to be okay, so now they have put 4 collection on my credit report there was only 2 before I was taking them to court
Consumer complaint received 2019-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Transunion is showing one of my credit card accounts as closed when it is in fact open and has been since 1979. I sent in a dispute via XXXX XXXX in XXXX of this year. In XXXX I received notification that I was indeed correct, the account is still open and that they would correct the information on my credit report. On XX/XX/XXXX, my account had not yet been corrected so I filed another dispute. I became inpatient after a couple of weeks and called Transunion. The result of that conversation was that they do show the account as open so the problem must lie with XXXX XXXX. My attempt to get XXXX XXXX to call me or provide me with a number to call them fell flat .... they do not provide that kind of customer service ... one must deal with them via email. In the mean time, I called my credit card company ( XXXX ) and spoke with someone there to check and make sure that they had not closed my account and " forgotten '' to tell me. Well, of course they had not, and the young man even checked my credit reports for me .... NOT via XXXX XXXX. Apparently all 3 credit bureaus show this credit card as closed! I am currently making plans to purchase a new home and am pretty anxious to have this corrected immediately, but keep running into brick walls. It is deplorable that these credit bureaus can have such power over us and we have no recourse. I hope you can help rectify this .... quickly.
Consumer complaint received 2019-06-21
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. (MI)

I disputed XXXX account on my credit report listed as charge off. I sent TransUnion a letter stating that I was involved in a settlement with XXXX and that had agreed to update my credit file to show paid instead of charge off. TransUnion stated they contacted XXXX and they denied they stated that. I submitted the letter from XXXX its under the credit reporting information section. I also would like to point out like I tried to tell TransUnion, you may have to contact the department on the letter that's handling the settlement.
Consumer complaint received 2019-06-20
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: CREDIT ACCEPTANCE CORPORATION (TX)

The finance company for my vehicle, Credit Acceptance, has been repeatedly calling me and my co-signer daily. In the attached files are examples of the frequency to which they call. They even contacted our salesman to harass us. He called and text us. His name shows as XXXX XXXX.
Consumer complaint received 2019-06-20
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: EQUIFAX, INC. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND IDENTIFIED SOME INACCURATE ACCOUNTS AND AN ENTRY IDENTIFIED AS INQUIRY THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRY HAVE CAUSED ME A GREAT DEAL OF STRESS AND HARDSHIP ON MY CREDIT. PLEASE RE-INVESTIGATE THESE ACCOUNTS AND INQUIRY AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE PLEASE.
Consumer complaint received 2019-06-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: 21ST MORTGAGE CORP. (TN)

I applied for a modification with my mortgage. I was told today that they closed the file today ( denied ) and they assessed a sale date for next week, XX/XX/2019. They closed my file and did not even give me a week before assessing a sale date. 

They also gave a reason for denial was that my home was a mobile home. It IS NOT a mobile home, it is manufactured on a permanent foundation and registered with the county as a Single Family Residence ( SFR ). 

This is NOT FAIR that they closed my file and assessed a sale date in less than 7 days on my property, not giving me any time to dispute or look for other options.
Consumer complaint received 2020-09-25
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: Santander Consumer USA Holdings Inc. (MI)

I turned my truck in 3 months and 1 week early. Apparently there is early termination fees in you turn a vehicle in earlier than 4 months - i spoke to chrysler capital several times before turning this in and it was never told to me. 
Regardless, I turned it in. Paid all the fees and paid my lease off in full. 
My credit report then alerted me that I owed an additional {$840.00} to chrysler capital. 
I called several times. Nobody could tell me what this was for. 
To protect my credit, I paid it, but to my understanding, I did not owe this money. It is reporting to my credit as a debt and I am furious. This company is terrible.
Consumer complaint received 2018-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: SYNCHRONY FINANCIAL (FL)

I have recently just checked on my credit score on XXXX XXXX and my credit score was affected by a hard inquiry that someone has recently made on my credit score stating on my credit report that someone has opened a PayPal credit account without my permission. Which showed as a hard inquiry on my credit report and made a low impact on my credit score however this still affected my credit score even if it is a low impact. This happened because someone opened a credit account under my name without my permission, knowledge, and consent. I do not know who had opened a credit account using my name.
Consumer complaint received 2024-03-04
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. (WI)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-03-04
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. (LA)

In submitting this complaint, it is my intention to follow up on an issue related to my being a victim of fraudulent activity. After visiting the Federal Trade Commission website at https : //www.ftc.gov, I filed a complaint, as required by FCRA Section 605B , under reference # XXXX, which mandates that Credit Reporting Agencies must remove any items listed in an FTC complaint. Attached are documents aimed at facilitating the removal of erroneous information and inquiries from my credit reports. The following is a list of items opened without my authorization : -- -- -- -- -- -- -- 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 TRANSUNION : XXXX, XXXXXXXX XXXX XXXX XXXXXXXX. In accordance with FCRA Section 605B ( a ), Credit Reporting Agencies are obliged to remove any items identified by the consumer as resulting from fraudulent activity within 4 business days of receipt of such notice.
Consumer complaint received 2022-09-04
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: Experian Information Solutions Inc. (SC)

I am a natural person. I am a living human being. I have rights under 15 USC 1681.

Experian is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed.

According to 15 USC 1681. I have the right to privacy and did not give Experian written permission to furnish these accounts. 


XXXX  XXXX  XXXX {$1900.00} Account Information Address XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Pay Status >Collection< Estimated month and year this item will be removed XX/XX/XXXX Remarks >PLACED FOR COLLECTION< XXXX XXXX XXXX {$22000.00} Account Information Address XXXX XXXX XXXX XXXX, XXXX XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX XXXX  XXXX  XXXX  XXXX {$2000.00} Account Information Address XXXX XXXX XXXX XXXX, XXXX  XXXX Phone ( XXXX ) XXXX XXXX XXXX XXXX XXXX {$1000.00} Account Information Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-06-20
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. (SC)

A couple time I asked to prove which method they used to verify the information and they never send me any documentation proving how they find out or method used. by law they need to provide. but the never did. On XX/XX/2019 Report # XXXX. I asked and they respond accurate information. XX/XX/2019 Report # XXXX. Same respond. XX/XX/2019 Report # XXXX. Same respond. The account need to be deleted by law. Because the process was incorrect. I was able to fix the situation with XXXX without problem. They can not verified and they deleted the account. 

Account XXXX # XXXX ( XXXX and TransUnion )
Consumer complaint received 2021-10-15
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am submitting a complaint because there have been multiple violations against from the credit bureaus, I sent several letters and I have yet to hear anything and it has been over 30 days. 
I sent out out the letters to all 3 bureaus on XX/XX/21. 
As the original creditor only I can validate any debt and I did not validate any debt, Therefore I demand that all violations in dispute on my report must be deleted due to violation of over 30 days and 15 U.S.C. 1692g. I am trying secure financing for a property and this is becoming a heavy burden on my personal family Life.
Consumer complaint received 2019-06-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital-One 360 : I sent {$1000.00} on XX/XX/19 to XXXX XXXX using XXXX from my 360 account after 5 day she had not recieved the money. So I call the Bank, they said it was being processed after 5 days Wow. I said Ok i will wait couple days. XXXX call me again and said she had not recieved any money yet now it's XX/XX/19. I call Capital one again the agent said it being process again 14 days processing thats to long. Of course I was very upset and demanded my money back ASAP they said they would have to make a claim this could take 10 to 45 days. To make a long story short here the person I sent the  money to needed it on the XXXX, how can a Bank hold up your money 24 to 45 days? I want my money back now how can it get it?
Consumer complaint received 2022-09-04
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: EQUIFAX, INC. (CT)

In accordance with the fair credit reporting act XXXX 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 states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2015-08-25
Product: Credit card — 
Issue: Transaction issue — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I used Capital One to prepay for a rental car with XXXX XXXX XXXX XXXX. Included in the price I prepaid to Capital One for the rental car was a " drop charge '' of {$210.00} for returning the rental car in a different location. XXXX then charged my Capital One card for the same {$210.00} " drop charge '' ( {$270.00} with tax ) that I had already paid to Capital One. I contacted Capital One to inform them the transaction from XXXX was a double charge and Capital One did not issue a credit [ Case Number XXXX ]. I then sent an email to the Capital One Travel Consumer Relations Department on XXXX XXXX, 2015 [ XXXXXXXXXXXX - Incident XXXX ] and received no response
Consumer complaint received 2021-10-15
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Nelnet, Inc. (GA)

DEBT COLLECTOR, provide proof by affidavit or declaration, sworn by wet-ink signature signed under the penalty of perjury, DEBT COLLECTOR did not engaged in any conduct to harass, oppress, or abuse claimant including but not limited to placing telephone calls without disclosure of the caller identity, the use obscene or profane language, causing a telephone to ring with the intent to annoy, abuse or harass claimant and/or threatviolence, or other means to harm the reputation, or property of respondent.