davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-08
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. (GA)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-08-02
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. (FL)

I would like to know what happens, that your level of authority as an arbitrator or as a guarantee to users or clients of credits, can not take action against a company, which does not respond or in this case they ignore to eliminate the negative quota in my reports How long should I expect them to take action on this?
Consumer complaint received 2021-06-14
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)

I contacted TrasUnion and informed them that my credit report is incorrect and that fraudulent inquiries are being reported. I was instructed to send in an fraud report, they keep saying they are not receiving it so I am attaching the report and the request to remove these inquires.
Consumer complaint received 2023-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (IL)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2019-08-02
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. (FL)

I would like to know what happens, that your level of authority as an arbitrator or as a guarantee to users or clients of credits, can not take action against a company, which does not respond or in this case they ignore to eliminate the negative quota in my reports How long should I expect them to take action on this?
Consumer complaint received 2022-07-07
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: Experian Information Solutions Inc. (TN)

On XXXX XXXX I notice there where multiple fraudulent inquires on my consumer report. Experian is in direct violation of 15 U.S.C. 1681b. Experian was unlawfully reporting XXXX unauthorized inquiries on my consumer report. The law clearly states that you are required to have permission and written instruction from the consumer before you can furnish anything. Experian is in violation of the Fair Credit Reporting Act codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). 
I did not and do not have an " account '' as defined under 15 U.S.C. 1693a ( 2 ) with US SM BUS ADMIN XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX ( it appeared twice on my report ), XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX, XXXX. 
Experian was frivolously reporting unverified information, which was directly affecting my creditworthiness.
Consumer complaint received 2021-08-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital One Case Number : XXXX Redlin Fitness inadvertently charged my Capital One card in the amount of {$280.00} not once but twice. 

When XXXX XXXX promised to refund both charges and only one processed, I filed a dispute with Capital One. 

Capital One saw his mistake and properly credited my account in the amount of {$280.00}. 

However, Capital One later saw the single refund that was processed for the inadvertent XXXX charge and ran an unwarranted PURCHASE ADJUSTMENT for {$280.00}. 

In doing so, Capital One completely ignored the inadvertent XXXX charge in the amount of {$280.00} that failed to refund as promised. 

As a result, Capital One now shows a fraudulent charge in the amount of {$280.00}. While Capital One initially properly credited this amount, the company failed miserably and charging this amount back to my card.
Consumer complaint received 2021-08-23
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. (NC)

I submitted a dispute regarding incorrect information on my credit report to Transunion ( which was received on XX/XX/2021 ) with an inquiry to some information I wanted more information on. I submitted another dispute ( received in XXXX ) requesting for them to remove information that was incorrect from the investigation they sent me from my dispute in XXXX. Instead of removing the information they sent me from my XXXX dispute that was in conflict with the other credit bureaus, they updated the information. I don't understand how they could update information they already said was verified as accurate. In my XXXX dispute, I also requested that they send me proof of validation, which they did not.
Consumer complaint received 2021-06-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: REGIONS FINANCIAL CORPORATION (TX)

I use Bill Pay through my bank to pay my mortgage, generally my account is debited the first of each month. On XX/XX/XXXX, my mortgage company called to say they never received my XXXX mortgage payment. 

I sent a copy of the electronic check, front and back to my mortgage co., they sent me a letter stating they did not endorse this check. 

I contacted my bank SEVERAL times, via emails, and phone calls, they stated the money had been withdrawn and processed and there was nothing they could do.
Consumer complaint received 2019-08-02
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: SUNTRUST BANKS, INC. (NC)

SunTrust bank  Withholding information from me since XXXX XXXX when I reported fraud and suspicious activity on account under my ex put me on as a courtesy. 
I have gone in person ( XXXX XXXX XXXX va XXXX regional Manager at the time & XXXX XXXX XXXX XXXX va in person to branch manager slender tall fellow. ) the branch manager stated to me after I told him someone had been transferring my monies out of my XXXX XXXX XXXX XXXX   XXXX va accounts that I could get only! 300 approx out of SunTrust bank ) I have sent certified letters SunTrust corporate XXXX XXXX XXXX  va Recently SSA finally sent and disclosed to me the direct deposit accounts that were fraudulently changed on my XXXX checks. 
There were four changes made thru federal reserve bank to SunTrust bank. The routing numbers and account numbers are stated by the SSA letter from miss XXXX in the XXXX XXXX nc SSA office are attached in the attached pdf file And the numerous checking account numbers on file at the SSA administration SunTrust bank XXXX XXXX boss left me a message on my XXXX phone telling me XXXX XXXX would find out what happened. I returned the SunTrust banks calls and faxed them also. No response. 
One of the accounts are still open I believe. as per XXXX she stated. Numerous accounts opened under XXXX XXXX XXXX XXXX XXXX with a atm card linked to them I have never had a SunTrust atm card period.
Consumer complaint received 2015-07-02
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: FIRST HORIZON BANK (NV)

In 2005 I took out a HELOC with First Tennessee Bank/First Horizon. Last month I was shocked to see that my monthly payment increased XXXX times from the previous payment amount. If I would have known how much my adjusted payment would be I would have never applied for the loan. I do n't have the financial ability to pay it now or at the time the bank made me the loan. In fact, the bank never looked at my ability to pay or even ask about my income. Also, First Tennessee Bank has charged me a finance charge of 100 % of the newly adjusted payment when I could n't pay the new amount. I was never informed they could charge me a 100 % finance charge and I dispute this excessive amount. I would like to discuss a loan workout but First Tennessee does n't even provide a contact person 's name, e-mail or phone number on its statement.
Consumer complaint received 2022-07-07
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. (PA)

Hello i submitted my dispute to the bureaus on XX/XX/2022 and on XX/XX/2022 about an account called XXXX. I demanded this account be removed because and to send me verifiable proof of these accounts, any application or documents baring my signature and they have yet to provide me with this information i have been checking my mail everyday for correspondence from the bureaus about this matter but received none yet please help me resolve this matter as now i feel like the only thing i could do is just send a complaint after sending of two letters and receiving no help. This misleading information is ruining me and has caused me a lot of stress.
Consumer complaint received 2019-10-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (PA)

On the morning of XX/XX/19 I made a deposit of {$1000.00} into my personal checking account at the Wells Fargo Bank drive thru window located at XXXX XXXX XXXX XXXX PA XXXX. Upon returning to work I noticed an unauthorized withdrawal on my checking account in the amount of {$700.00}. I immediately contacted the teller at the bank XXXX XXXX XXXX XXXX She informed me that an error had occurred and the {$700.00} was withdrawn from my account in error. She informed me that it could take up to 10 days to have my money returned to me even though it was an unauthorized withdrawal which is absolutely ludicrous. But that " It shouldn't take that long ''. It's going on a week and I've been getting the run around from the branch teller manager XXXX and no response from the branch manager XXXX XXXX. I also contacted Wells Fargo customer service directly and they did nothing to correct unauthorized transaction and said I had to wait. 

This is stealing and unethical. XXXX XXXX XXXX XXXX XXXX and XXXX instructed me to file a prompt complaint with both the comptroller of the currency as well as the Consumer Financial Protection Bureau. They also said " A week is more than enough time to have returned MY money. 

Sincerely yours, XXXX XXXX XXXX
Consumer complaint received 2022-10-08
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. (NC)

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous 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 2021-06-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Receivable Management Services LLC (MI)

Hello my name is XXXX XXXX XXXX and I would like to put in a complaint with Receivable Management. The complaint is about Receivable Management a debt collector on behalf of XXXX XXXX XXXX XXXX. The issue that I am having is that I cancelled the auto insurance policy at the end of the 6 months, on XX/XX/XXXX this was terminated. Receivable Management has placed a debt collection onto my credit report twice one in the amount of {$1300.00} on XX/XX/XXXX and the other for {$340.00} on XX/XX/XXXX. I am submitting this complaint on behalf of myself. 
I have reach out to progressive and they have in their system that the auto insurance has been cancelled effective XX/XX/XXXX. I have contacted Receivable Management to discuss the dates and amounts weren't accurate. The representative did not want to hear my complaint and basically told me its yours and there is nothing they could do about it.
Consumer complaint received 2021-06-14
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I originally filed a dispute on XX/XX/XXXX over the status of my student loan accounts. After over 30 of investigation they have incorrectly changed my record, and now have the same items being reported two separate times on my account. One item is even reported three separate times. The lack of any rush to properly investigate and handle issues is very clear. I now have to wait over two months in order to get this dealt with.
Consumer complaint received 2022-07-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AFNI INC. (GA)

Hello, I received mail yesterday ( XX/XX/XXXX ) from " Afni , Inc '', a debt collector company, regarding an owed bill from XXXX in the amount of {$650.00}. I immediately called XXXX, and upon calling the customer service number for XXXX, I was told that I have a balance of {$920.00} on my account. 

However, this is incorrect, and I am confused about this situation. I was a XXXX customer 2 years ago, but when I got divorced in XX/XX/XXXX, I returned all XXXX equipment and discontinued all services when I sold my house in XX/XX/XXXX. 
I moved to a new house in the same month of XX/XX/XXXX, and after moving, I never requested or continued XXXX service. However, XXXX still continued to charge me for service in my old house on my account. 

I don't owe XXXX any money. I called XXXX multiple times, and I explained my entire situation, but nobody was able to resolve this issue, and I was constantly transferred from person to person during the phone call. 

This issue hasn't been solved. During the call, they just expressed that they understand my situation and apologized to me, however nobody was able to fix my problem. 
This unfair situation due to a mistake on XXXXXXXX XXXX part is causing me a lot of distress, and I want to get to the bottom of this issue and have it taken care of immediately. 

Please get back to me on how you can resolve this, thank you.
Consumer complaint received 2019-08-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: HYUNDAI CAPITAL AMERICA (NV)

On XX/XX/XXXX I was looking for a new car, I happened to find a brand new car out at XXXX XXXX XXXX in XXXX XXXX, Nevada. I purchased a XXXX XXXX XXXX XXXX brand knew. I was very happy my XXXX was the maker of the car Kia Motors Finace. Well XXXX, XXXX, XXXX a tragic event happened in my life and, our house caught fire. Evberything we had was lost encluding my brand new car that was in the gargage at the time of the fire. Our home was a two story home, so everything on the bottom story off the home was burnt encluding the gragagr as, thats where the fire took place it was a bad water heater, that exploded the landlord, never replaced the water heater the whole three years we lived there, and we were going to buy this home as, soon as, our lease was up. any how we have been trumatized we lost everything. All our things nothing was saveable. In the mean time I started the claim right away in fact Kia Motor finance started working with my Insurance XXXX right away cause I lost allo the paperwork in the house fire everyone was so helpful. I had full coverage Insurance Gap two extended warrantys on this car, we all agreed on this on a conference call if Kia Motors will look back at there calls. The loan was for XXXX at the time of the purchase that is what was financed to me in XX/XX/XXXX when the insurance and, gap plus the payments I made from XX/XX/XXXX IN THE AMOUNT OF XXXX you would think the car would be paid in clear,, nope I get a statement in the mail stating I owe Kia Motors Finance XXXX then the lady I spoke to was lieing about me having any warrantys cause at this point I told her why werent the warrantys appied there should be a credit balance thats what I was told when I spoke to Kia Motor Finance in XXXX on the XXXX, XXXX when we had a three way with my insurance. She told me owe sorry I found them but, you got to cancel them I canceled them when the fire happened back in XXXX when I filed a claim with everyone, I told the dealer to cancel them when I replaced the car after the fire. This car should actully be paid off without the warrantys even being applied. GREEDY PEOPLE PERIOD -- -- -- -- -- why did Gap only pay XXXX when my car insurance paid above the acv value? XXXX I never missed one payment the time I had the car not one. I even always paid extra on some payments. I just lost everything my home everything I own I have exhusted my accounts, to try and, live I live in a one bedroon right now with maybe a weeks worth of outfits, and underwhere but, you want XXXX, XXXX when I had two warrantys that were for XXXX and, XXXX that where never even used, and I only had the car not even 9 months with less then XXXX miles on it at the time of loss. This is insane that car is paid it was paid before you even got the warranty money.
Consumer complaint received 2022-03-22
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. (LA)

I have been the victim of ID theft and have had numerus fraud accounts opened in my name over the years. It has been a nightmare trying to resolve all of this!! The most recent fraud account was opened with XXXX XXXX XXXX XXXX XXXX  XXXX it was opened on XX/XX/2021 and closed on XX/XX/2021. I was recently made aware of this account and have reached out to both creditor and Transunion about this account. I filed all the required and necessary paperwork. The other credit bearus have removed this account and deemed it to be fraud! TRANSUNION for whatever reason will not remove nor block this account! I've disputed it several times and nothing ever happens. i don't even get anything in the mail regarding the dispute. They honestly don't seem to be doing anything!! Per the FCRA they are required to block and or remove this account if the correct documents are submitted with this dispute, which they have been on more then on instance. Also transunion has my SSN incorrect and i can not get them to correct it for some reason. Ive attached a copy of my SSN card showing my correct SSN i ask that it be fixed ASAP. My contact info is as follows XXXX XXXX XXXX LA XXXX XXXX XXXX LA XXXX SSN # XXXX PHONE XXXX
Consumer complaint received 2022-07-07
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. (FL)

I want to state that this is complaint is from the Actual Consumer XXXX XXXX and not a third party of any kind. I looked at my EQUIFAX credit report recently and found some inaccurate reporting on my credit report. I wrote EQUIFAX a letter on XX/XX/2022 to try to get this inaccurate information deleted from my credit report since it is hurting my credit profile and costing me money in higher interest rates. XXXX is not taking these inaccuracies on my credit report seriously and they are taking my rights for granted, Please assist with account name : INQUIRY - XXXX - XXXX  - XXXX XXXX  XXXX  XXXX XXXX PA XXXX I have never been late on this account. please correct inaccuracies in payment history... Attached is the letter i wrote to EQUIFAX in an attempt to dispute this inaccurate information. i have attached my drivers license as proof of Identity and my phone and internet bill as proof of address so there are no questions about my identity.
Consumer complaint received 2018-12-27
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. (MO)

I have tried to get this info corrected plenty times before- XXXX XXXX XXXX is fraudulently reporting a XXXX XXXX account on my credit for {$510.00}. This account is not mine and should not be on my TransUnion report at all. I have never had any account with this company nor have I ever resided at the address they associate this account with. Please correct this info.