davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-06
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. (GA)

There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the three Credit Bureaus in an attempt to receive verification of the following items. 

Need to delete Inq : TRANS UNION XXXX XXXX XXXX
Consumer complaint received 2022-12-15
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. (FL)

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (TX)

Im unable to place or remove a security freeze on my credit file and XXXX XXXX XXXX is unable to check my credit report and told me there is a freeze on my file and my Equifax account has a glitch issues and it needs to be addressed and fixed I cant add a freeze and remove it off my file I dont have a freeze right now but XXXX XXXX XXXX said my Equifax credit report is frozen on there end.. I need have this glitch fix on my Equifax membership
Consumer complaint received 2020-11-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital One Charged a membership fee {$95.00} to my XXXX  credit card. It was posted on my account on XXXX XXXX, 2020. I called back on XX/XX/2020 at XXXX to waive the fee or cancel the card. Fee waiver was not granted, but customer representative convinced me to rethink. I called again on XX/XX/XXXX - requesting a Fee Waiver or cancel. Fee Waiver was denied again so I cancelled the card. However Capital One wont cancel the Fee saying its past 40days, Even though : * My original request on XX/XX/XXXX was barely 30 days after the charge was posted. 
* I have not made any delayed payments during the whole period of the card. 
* I have not used the card since the membership fee was charged on XXXX XX/XX/2020 2020
Consumer complaint received 2021-12-01
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: CAINE & WEINER COMPANY, INC. (MS)

I am not looking for this complaint to be changed to a request for a dispute. Ive done that already. I am looking for this information to be DELETED per the XXXX. The creditors have had XXXX days and XXXX dispute letters sent to resolve this and they have failed. Now it is time to DELETE the accounts per the XXXX. Please do not close this complaint without resolving this completely. Thank you
Consumer complaint received 2021-12-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

TransUnion is not updated my credit report. Ive called several times to speak with Trans Union update about updating my credit report I was cross talked the representative did not listen very condescending and very uncaring about my problem
Consumer complaint received 2022-12-15
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. (CA)

Account # XXXX XXXX XXXX  # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer report to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-12-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (NV)

In my last loan modification, my second mortgage loan was eliminated after the 2008 mortgage crisis. I did received a cancellation of debt shortly after. I do not have records of the cancellation of debt or my tax returns when I filed. I have tried to request records from the mortgage company but they have referred me to the customer research department and they have never responded to my requests. My loan was apparently sold to another company and then a collection agency. I received a phone call that my house will be going into foreclosure.
Consumer complaint received 2022-12-15
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. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2020-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

I opened a dispute with EXPERIAN on around XX/XX/XXXX in regards to some late payments on my student loans back in XXXX. On XX/XX/XXXX, I received an email from EXPERIAN stating my dispute was complete. When i try reviewing my dispute final desicion on their website it gives no information on what was the update on the dispute. On XX/XX/XXXX, I call EXPERIAN directely to get an answer and all they said was for me to contact XXXX. If experian would have done their job and contacted XXXX like they were supposed to do, they would of found out that I was never late on XX/XX/XXXX ; I was on a FORBEARANCE at the time in question. Also, EXPERIAN is reporting incorrect information on my EXPERIAN report. They are stating that on XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX my account was ON-TIME and than on XX/XX/XXXX my account was 90 days LATE. Which makes absolutely no sence as how can i be 90 days late in XX/XX/XXXX and be on time on XXXX, XXXX & XX/XX/XXXX. Enclosed, please find my account statement from XXXX were it very clearly states I WAS ON A FORBEARANCE meaning I couldn't be late in XXXX, nor XXXX nor XX/XX/XXXX like EXPERIAN report is stating. I will like my report to be updated immediately reflecting correct account information.
Consumer complaint received 2019-10-10
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. (FL)

My Experian credit report incorrectly lists an open auto loan with a balance from XXXX XXXX XXXX. I sent a dispute with Experian who contacted XXXX XXXX XXXX who informed them the information was correct and no changes were completed. I contacted XXXX XXXX and they told me that that account was closed with XXXX balance. I contacted Experian and they told me that XXXX XXXX reported the account was still open and there is a balance. Both companies are blaming the other for the mistake yet no one will remove this information from my credit report.
Consumer complaint received 2019-10-10
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. (IN)

I recently applied for an apartment and I got denied. I don't understand why I would be denied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see iterns ; that aren't mine. I got in contact with the police and FTC. I don't understand what's going on but these items are not mine and they all need to be deleted from my credit report XXXX, XXXX  ( acnt # XXXX, ) XXXX  ( accnt : # XXXX ), XXXX XXXX  XXXX ( accnt #  XXXX ), XXXX XXXX XXXX ( accnt XXXX ), and these inquiries are not mine either XXXX   XXXX XXXX, XXXX, XXXX XXXX, XXXX  XXXX , XXXX XXXX. Please help me.
Consumer complaint received 2019-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (VA)

I have a security freeze on my account at Equifax. I had to lift it so that a bank could view some information. The online system did not work. I called XXXX and went through all of their security questions ( name, dob, address, ssn, and information about my credit file ) and added the freeze for a few days. The bank then advised me that they needed both my husband and I to come in while they checked the file. We can only do this on Saturday, so I tried to log into the Equifax system to extend the credit freeze. I kept getting directed to a " page not found '' error. 

I called Equifax XXXX XX/XX/10 and spoke with a representative who went through the same security questions again ( which require me opening several different systems to get the info they requested. ) They did not accept my correct answers and told me I needed to send in information in writing. I asked for a supervisor. The " supervisor '' told me that they could no longer see my credit file and that they would try to help me fix the online problem. They were unable to fix the problem. They then said they would " try '' to access my credit information again. Imagine that - they could! I gave them the same answers to the same questions and magically the answers were correct this time. They had no answer as to why the answers were not correct with the previous rep. I then asked them to help me fix the issue with the online access so that I could manage my credit freeze myself in the future. They told me the system must be having an update and to try again another time. What a waste of time and aggravation. 45 minutes of my life for this nonsense. These agencies have way too much power over people to provide poor service.
Consumer complaint received 2019-10-10
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. (IN)

I recently applied for an apartment and I got denied. I don't understand why I would be denied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see iterns ; that aren't mine. I got in contact with the police and FTC. I don't understand what's going on but these items are not mine and they all need to be deleted from my credit report XXXX/XXXX.XXXX, XXXX ( acnt # XXXX, ) XXXX  ( accnt : # XXXX ), XXXX XXXX XXXX ( accnt # XXXX ), XXXX XXXX  XXXX ( accnt XXXX ), and these inquiries are not mine either XXXX/XXXX   XXXX  XXXX, XXXX, XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX. Please help me.
Consumer complaint received 2018-05-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: TOYOTA MOTOR CREDIT CORPORATION (MD)

I am an XXXX XXXX  XXXX and was charged a higher interest rate and feel that added fees/incentives were tacked on to my sales price. Per an article in the news, " Today the Consumer Financial Protection Bureau ( CFPB ) and Department of Justice ( DOJ ) resolved an action with Toyota Motor Credit Corporation, under which Toyota Motor Credit will change its pricing and compensation system to substantially reduce dealer discretion and accompanying financial incentives to mark up interest rates. As part of todays order, Toyota Motor Credit is also required to pay up to {$21.00} XXXX in restitution to thousands of XXXX  and XXXX and XXXX XXXX borrowers who paid higher interest rates than XXXX borrowers for their auto loans, without regard to their creditworthiness, as a result of its past practices. ''
Consumer complaint received 2022-12-15
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: Experian Information Solutions Inc. (TX)

I constantly check my credit report and noticed that errors and false misleading information for individual accounts didnt quite meet the credit reporting standards of being 100 % correct. This has damaged me and held me back for some time time. Im demanding CFPB to enforce the corrections and or deletion of these items
Consumer complaint received 2018-02-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (MO)

On XX/XX/XXXX I had a house fire affecting my garage area and an outside storage building of my home. I called my insurance company on this date, a Friday afternoon, to report the fire. On Monday XX/XX/XXXX I was contacted by the insurance adjuster, XXXX XXXX, hired by my insurance company, XXXX XXXX. On XX/XX/XXXX XXXX XXXX came to my home to inspect the damages for the claim. On XX/XX/XXXX I received the letter stating the damages for my house fire along with a check issued to myself and Chase in the amount of {$18000.00}. I then contacted Chase to learn how to proceed with cashing the check and the procedure for repairing my home. I was instructed to visit their website, XXXX XXXX XXXX to start the process. I did so. I endorsed the check and mailed it to Chase for processing. I then contacted the contractor and submitted the attached documents. Chase would not accept the letter from XXXX XXXX stating the damages from the fire. I then contacted XXXX XXXX to explain that Chase would not accept the letter he submitted. XXXX XXXX then contacted XXXX XXXX   to obtain a corrected letter, which is also being submitted. XXXX XXXX who is a seasoned insurance adjuster of 45 years stated he had never worked with a company that was so difficult in their claims process. 
I received a letter from Chase dated XX/XX/XXXX stating that my loan would be transferring to XXXX XXXX XXXX , XXXX on XX/XX/XXXX. This is only a 14 day notice. I contacted Chase for questions and to find out if any funds were going to be issued prior to the transfer. I was instructed that funds would not be available prior to the transfer and I would need to start the claims process over with the new company. I was VERY upset by this and was hung up on by the Chase representative I spoke to. I acted irrationally and yelled quite a bit but I was also very upset. The temperatures during these past two months have been very cold and the damages to my home created by the firefighters as they extinguished the fire left a hole in my ceiling. The hole is inside the home approximately 5 foot by 6 foot. We had covered with plastic but it still brings in A LOT of cold air. I was yelling and was very upset, but with good reason. Everyone in my home has suffered from the cold weather. 
My utility bills have increased more than expected during the winter months and my home still smells of smoke. We have started on the clean up and demolition and are at a point where we can not proceed without the funds allotted to repair the home. We have already paid for the dumpster and labor costs for demolition. 
I dont think it is right for Chase to change my loan provider in the middle of a claim. Now we have to start this process over again which means it will take even longer to repair the damage to my home.
Consumer complaint received 2022-11-20
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CONST LLC (MA)

In XX/XX/2021 and since then, I deposited {$110000.00} to XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX  3 days ago, we got an email that they are going out of business and do not allow any withdrawals. This essentially means I am loosing all the money I invested. This is truly a fraudulent schema.
Consumer complaint received 2020-12-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION (VA)

I opened a checking account on XX/XX/2020 with a balance of $ XXXX at the M & T Bank located at XXXX XXXX XXXX XXXX XXXX XXXX , VA . When opening the account, I asked that the bank rep, XXXX order me an expedited debit card. She said she would. I went to the branch on the following Saturday, XX/XX/2020, to send a bank wire, and the branch manager flat out refused me this service, because she said my funds needed to be investigated because she did not believe I had conducted business as I told her, in order to receive the wired funds. She told me flat out that the whole thing was suspicious to her, and that she was going to place a hold on my account until further notice. I was insulted and left. I called the branch when I returned home, and the manager, XXXX told me that XXXX was not available for phone calls and could she help me with something. The branch closed at XXXX  and I called the branch and spoke again with XXXX. XXXX had me on speaker phone, and I am certain that both she and XXXX were listening to what I had to say. I asked XXXX if my account being placed on hold was due to the branch managers personal discretion, or whether it was the banks security policy. She assured me it was the banks security and back office that had placed my account in a frozen state. 

XXXX called me on Monday, the XXXX of XXXX, to tell me that she had not yet received word about the investigation that was going on and that she was trying her best to expedite the process. I asked her at this time to verify that she had in fact ordered an expedited debit card for this account. She assured me she had. 
I called M & Ts customer service XXXX number today, XX/XX/2020, and asked the rep to verify that an expedited debit card had been ordered for my new account. The rep assured me that it had NOT been ordered, that it had been ordered regular delivery. The rep then phoned the branch and reported back to me that XXXX told him ( the rep ) that either she or XXXX would call me by Monday to let me know the results of their research. 

I know there are laws about unreasonable holds on consumers deposits, but I feel it is now time to file a complaint because not only did XXXX lie to me twice about ordering my debit card expedited, but this leads me to believe that she could be lying about other things as well, associated with my account opening. Furthermore, my M & T online banking shows an available balance of $ XXXX. 
Please get to the bottom of this. I felt personally insulted by the branch manager and XXXX lies, and wonder whether this is common practice in the banking industry to treat customers this way. Thank you. 

I might just address this matter with the media if I am not satisfied with the outcome.
Consumer complaint received 2020-12-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

Portfolio Recovery is reporting to the bureaus and attempting to collect debts that are time-barred and/or settled with original creditor. I received an invoice attempting to collect {$3500.00} on behalf of XXXX XXXX. This account was closed in XXXX and they, 10 years later are sending me an invoice to pay. The other two accounts, both of them XXXX XXXX were settled/paid with the original creditor in XXXX. 

In all, PRA is attempting to collect roughly {$5000.00} for accounts that are time-barred and/or paid. I want all three accounts removed from their database and from the three credit bureaus.
Consumer complaint received 2022-12-15
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. (TX)

This is my 6th complaint that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific accounts in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-10-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (NY)

I have sent two verification letters to collector requesting verify the debt. Fair Debt Collection Practices Act ( section 1692c ) and Rules of the City of New York ( section 5-77 ) require that you honor this request. Your cooperation will be appreciated.The first time was in XX/XX/2019. The collection did not respond, only updated my credit report withthe remark : " Account information disputed by consumer ''. The second time was in XX/XX/2019 and I have not gotten an answer yet. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act.