davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On Wednesday XX/XX/XXXX I contacted Transunion by chat due to constant issues with logging in and also technical issues once logged in trying to access my report. Per Representative XXXX by chat at XXXX on XX/XX/XX/XX/XXXX the reason for my the isssues is due my account need maintenance and Per XXXX he will escalate this issue which will take 4 business days to fix. I asked if theres a phone # I can call just in case if its not handled. XXXX XXXX theres no # to provide. I took snapshot of the chat for my record. On today XX/XX/XXXX, I tried to access my credit report to see if the issue was fixed so I can check my report and dispute items since Ive paid off numerous accounts. Im trying to refinance my XXXXr for a better interest rate and lower payment but unable to update Transunion. I spoke to XXXX XXXX at XXXX which stated theres no record of any chat or any documentation by XXXX  XXXX XXXX XX/XX/21. I asked for XXXX XXXX. I spoke to XXXX XXXX and informed him that I have snapshot of the chat conversation with XXXX on XX/XX/XXXX. XXXX XXXX, the reason why Im unable to access my record is due to multiple profiles of an out of state area code that companies are reporting on me. This is the first that Ive heard of this! Im able to access my account sometimes and sometimes Im unable due to technical issues reporting but Im able to login theres no out of state phone number listed for me and Ive verified all merchants that I have an account with is correct. I had to file a complaint with XXXX XXXX XXXX XXXXu maybe month or two ago for another issue of incorrect information so they had the opportunity to fix any issues at that time or notify of any discrepancies but nothing was brought to my attention. XXXX XXXX XXXX I have to wait again 7-10 days to see if this issue can be fix. Ive been waiting for months for Transunion to correct & update information. It appears that this is a ongoing issue that no one is trying to resolve! I cant move forward with trying to get better rates or approval due to someone being incompetent and not resolving this issue.
Consumer complaint received 2021-02-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (MD)

We have tried to reason with XXXX XXXX XXXX, XXXX several times by phone and written communication. XXXX refused to close our account with them saying our phones would no longer receive calls or make outgoing calls. We informed them our number was no longer registered with them as we had another service provider. 
Please find documentation of the transfer and closing attempts we made with this company to transfer our telephone lines to a new company. We made phone calls and we were threatened by this company in an effort on their part to intimidate us into continuing with them. We learned from our new telephone provider that we cant cancel the IP address even though we tried. It must be cancelled by the new telephone provider. The new provider obviously did that on XX/XX/2020 as phone calls were coming from their IP address from that day forward. We cant have two telephone companies providing the same service on the same lines. 
We have made every attempt to convince XXXX XXXX XXXX, XXXX that we didnt need their service after XX/XX/2020. We paid for all services up to and through that billing date. They have not provided our telephone service therefore we do not owe them any money. We have tried to communicate that to XXXX XXXX XXXX XXXX but they continue to bill us first through our credit card company, which we finally had to close and the through billing and now through Credit Collection Services. Attached is our phone log with their number when we first contracted them and subsequent phone calls. We also called on a cell phone at a later date to demand the closing of the account. At that time they insisted we keep it open until they investigated further. They just kept billing us through our credit card company. We contracted our credit card company to complain and eventually had to close the account.
Consumer complaint received 2021-12-01
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Five Clans Lending LLC (MA)

I've called at all times of the day several days a week only to be left on hold for 20 plus minutes only to have my number and message taken and not be called back. When I opened the loan they took seconds to answer. Now that I want to pay it off early they refuse to answer the phone. They could make payments possible online but they don't. It's clear they want the loan to remain unpaid to collect as much interest as possible. It's infuriating when all I want to do is pay what I owe. It appears this is part of the Elk lending business model.
Consumer complaint received 2019-11-02
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Works & Lentz, Inc (OK)

I sent a letter to Works & Lentz , INC. in early XX/XX/XXXX requesting validation debt being reported on my XXXX  credit report as : WORKS & LENTZ INC-XXXX. Original Creditor Name : XXXX XXXX XXXX Date Assigned : XX/XX/XXXX Original Amount Owed : {$260.00} Amount : {$180.00} Status Date : XX/XX/XXXX Status : UNPAID. Account Number : XXXX. They responded to my letter on XX/XX/XXXX with a letter that clearly violates my rights.Works & Lentz , INC. Did NOT comply with any aspect of HIPAA standards and provisions detailed in detailed in 45 CFR Parts 160, 162, and 164. Works & Lentz , INC did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights.
Consumer complaint received 2018-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

On XX/XX/XXXX I signed up for credit monitoring service with Trans Union for the monthly fee of {$19.00}. At that time, I accessed the service and viewed my credit score for Trans Union and XXXX. Both showed XXXX. On XX/XX/XXXX, I filled out a mortgage application as a cosigner for my daughter. On XX/XX/XXXX, I was notified that I had been denied based on my middle credit score not being high enough. I asked the lender my scores that they used, I was advised my scores were XXXX, XXXX, XXXX and minimum required was XXXX. I immediately contacted Trans Union on the XX/XX/XXXX to check my score and they said their records showed a score of XXXX for both them and XXXX. Obviously, there is a serious problem in the accuracy of the reporting. Paying for a service which does not provide accurate information is fraud. If the information provided is not correct, where does the consumer get accurate data on which to base decisions?
Consumer complaint received 2022-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX : {$220.00} ; XXXX XXXX XXXX XXXX Balance : {$22000.00} ; XXXX XXXX XXXX XXXX Balance : -
Consumer complaint received 2022-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX : {$220.00} ; XXXX XXXX XXXX XXXX Balance : {$22000.00} ; XXXX XXXX XXXX XXXX Balance : -
Consumer complaint received 2023-07-27
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)

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 2018-02-14
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: Bread Financial Holdings, Inc. (CT)

I got an email from XXXX  XXXX saying I spent {$350.00} on MENS clothing and had it sent to some state Ive never been to. Called XXXX XXXX support and they told me it was fixed and took away all charges.. then now, a couple months later Im still getting bills from them for this problem and Im trying to resolve it using XXXX and it remains. Im not paying for things I did not purchase and thought they resolved months ago.
Consumer complaint received 2021-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

Trans Union is reporting fraudulent info I check my credit report on XX/XX/2021 and saw some miss leading information on credit report and it was privacy information and all of the information was false, incorrect and fraudulent information reporting on my credit report and all of this information need to be removed. Bye law The Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) protects personal financial information collected by consumer reporting agencies. The Act limits those who can access such infomation, and subsequent amendments have simplified the process by which consumers can obtain and correct the information collected about themselves. The FTC also actively enforces prohibitions on fraudulently obtaining personal financial information, a crime known as " pretexting. ''
Consumer complaint received 2018-02-13
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. (NY)

I pulled my credit report from all three bureaus and realize that there is an account I don't recognize. I wrote a littler to all bureaus stating ... 

" It has come to my attention that you are reporting an account that I do not recognize [ XXXX XXXX ]. After pulling a report from all three bureaus, I noticed that the account type is listed differently with each bureau, the open date is different, the past due amount is different, monthly payment is different, original limit and high balance lists different amounts. 
A few years ago, I was a victim of Identity Theftcopies of the police report and FBI agent contact information was sent to you at the time. To my understanding the law allows me to ask for all the documentation associated with this accountany detailed proof and/or copies of the original contracts and signaturesas I need to compare and match with my records. 
Please send an updated copy of my credit report to the above address ; in addition, I request that you send notices of corrections to anyone who received my credit report within the past six months. ''
Consumer complaint received 2021-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OR)

This complaint is about the 3 bureaus that have been disregarding my disputes for several months now. They have been denying and rejecting my complaint as well as believing that I am not the one sending disputes. They just find every little way to avoid the claims I have about this inaccurate and unverified information that they keep posting in my report. I reach out to you in hopes that they would finally decide to remove the inaccurate information from my credit report. Thank you and hope to hear from you soon!
Consumer complaint received 2019-11-01
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FEARON FINANCIAL LLC (HI)

A licensed realtor in Hawaii is advertising on XXXX as a lender when he is not a licensed mortgage loan officer. This is deceptive as I think he is trying to obtain buyer leads by falsely claiming to be a lender. Also there is no NMLS # listed on the ad in XXXX until you click through the 14th page of their disclosures and complete their " application '' online first. 

Agents name : XXXX XXXX email : XXXX ph : XXXX Additionally, Keller Mortgage is licensed in Hawaii through their real estate agent : XXXX XXXX of the XXXX  XXXX office NMLS # XXXX. She is getting paid twice on the same transaction as a real estate agent and mortgage loan officer. That is not allowed per CFPB rules as well as allowing other XXXX  agents in Hawaii  to falsely advertise for " pre-approval '' when they are not licensed because XXXX XXXX  is open only because she has a MLO license.
Consumer complaint received 2018-02-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: AMERICAN EXPRESS COMPANY (MI)

In XX/XX/XXXX I conducted my annual end-of-the-year assessment of usage of each of my credit cards. At that time, I discovered that I had been paying interest charge of 29.99 % for charges made to my XXXX platinum American Express credit card. In XX/XX/XXXX, I was informed that I was one day late in paying my monthly payment. My assistant, who normally processes my monthly payments, actually was several hours late in making my electronic payment, but that apparently was enough to mandate a late payment fee. In any case, I called the credit card customer service line and, as a result of consistent on time payments, was issued a credit on the late payment fee. As I traditionally have my assistant process my payments because I use this card for business expenses exclusively I was not aware that a 29.99 % interest charge was issued on my balance since XX/XX/XXXX ( she has always read the charges to ensure consistency with my receipts and then issues a payment of whatever amount I ask her to submit ). 

Upon seeing the interest charge I called the customer service line and reported my concern that when I was issued a credit for the late payment fee no discussion of the increased interest charge was presented to me. The official that I spoke to informed me that the fees charged to me could not be credited. The charges amount to roughly {$850.00}, double what I wouldve been paying under the normal rate of closer to 14 %. I immediately canceled my card. I write to you now to lodge a formal complaint against the XXXX American Express platinum credit card company for their failure to inform me that the waving of the late payment would have no bearing on the exorbitantly increased interest rate. Had the representative been fully informative than I wouldve made a complete payment of my charges at that time and not use the card for the ensuing penalty period. I consider the representatives inability to provide me with this information a manipulative act and I seek a credit of {$420.00}, which would reflect the extra fees imposed upon me during the period of increased interest charges.
Consumer complaint received 2021-12-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (PA)

I buy items from XXXX an online auction house. They have a variety of auctions. I sell sports trading cards online and have had luck bidding and winning cards at auction. I also found an auction house that had a 1 carat diamond up for auction. I decided to bid and won. - 1.00 ct Brilliant Cut D Color VS2 Diamond NGIC. 

After providing my Chase Credit Card they shipped the diamond to me. My family has been in the XXXX business for years, and I was looking forward to receiving the stone. I noticed the same exact diamond up for auction again and called XXXX XXXX to inquire about the stone. XXXX, from XXXX XXXX, told me they have a lot of stones for auction and assured me that my stone was on its way. I asked her if it was a real diamond, and she said YES. Once I received the package it contained a trifold brochure which was in a foreign language. I eventually found out it was in XXXX. After I translated the one page I saw the words- Laboratory cultivates. I had a local jeweler look at it and he confirmed it was a lab created stone. They were very busy and he said they would have to charge me {$150.00}, and it would take 2 weeks to do an appraisal. I didn't think I needed to confirm what the auction house was selling ; It stated it was a lab created diamond in the XXXX XXXX. Chase is using that against me because I did not get a second opinion. Why would I need to confirm? They admitted it, in XXXX. Chase told me to work with the merchant. I did and they eventually said they would refund my money. I sent the stone back in the original packet, but I did not have the trifold brochure. I misplaced it. They will not refund my money because I did not return the brochure. I said I would cover the cost to get a new copy. They said NO. I talked to Chase about it and they will not stand behind me as their customer and sided with the merchant. 
Chase ruled it was an appropriate charge and I was responsible. XXXX will not return my calls and did not refund my money {$1200.00}. XXXX XXXX does not say that the diamond is lab created in any of their advertising. And they still do not indicate that they are auctioning a manmade/lab created diamond. I read the horrible reviews after the fact. They have misrepresented a lot of items and say they have certificates of authenticity, but they are not worth the paper they are printed on.
Consumer complaint received 2018-02-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credence Resource Management, LLC (DC)

I have received several phone calls from a company called Creedence Resource Management. They claim to be calling regarding a personal business matter. They have alleged that I owe money to a XXXX XXXX, I have never done business with this bank. another call claimed a debt with ATT. I have never owed monies to either. They sound like they are calling from a boiler room. Research via the internet shows that this is a scam company that goes after you for fraudulent debt. They misidentify their telephone number so it looks like a bank is calling and call from a local number.
Consumer complaint received 2022-01-15
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: ALLY FINANCIAL INC. (GA)

Ally Financial has reported late payments on my consumer report for the months of XX/XX/XXXX through XX/XX/XXXX. These payments were never late. This reporting is inaccurate and a violation of XXXX XXXX reporting standards for accuracy and completeness. 

In addition according to 15 USC 1681a 2 ( A ) ( i ) a consumer report does not contain any report containing information solely as to transactions between the consumer and the person making the report. I am aware that I am the consumer and Ally Financial is the person making the report. This reporting is a violation of my consumer rights.
Consumer complaint received 2021-12-01
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: U.S. BANCORP (MA)

I have been working to transfer my registration from XXXX XXXX to XXXX since XXXX of 2021. US Bank is my leasing company, they will not release the title to my insurance agency. My registration expires tomorrow leaving me without a car to get to work with. My insurance agency has made numerous requests for the title that have been disregarded, while US Bank only claims to have one request from XXXX, which they still have not acted on. I have called US Bank a total of 31 times, and have received misleading information about how to transfer my registration to Massachusetts. Spent 45 hours on the phone with them trying to work this out, and taken two days off from work to go to the RMV to try to get it resolved. I was told by an agent to send my updated name change documentation ( marriage license + social security card ) to XXXX, confirmed update 2x, and then was told by another agent that my name change did not go through and that no documents can be sent for name change via email, so my identity may have been compromised by an agent. Also being charged illegally for Mass tax on an exempt vehicle according to RMV ( open case with US Bank # XXXX ). US Bank will not share a timeline for the title to be released and continues to tell me that it is within my lease contract for them to refuse to release the title and force me to pay for a car I can not use. My case was " escalated '' last week and I was told someone would reach out to me about it but called yesterday and found out it was not escalated after 50 min of waiting, they then stated to call back today as it should be resolved. Today was told the company was 24 days behind, even though my request is significantly over 24 days old and told I would need to be " more patient '' while I potentially lose my job with no resolution in sight. Have requested multiple times to be followed up with and have never been. Formal complaint with US Bank ( # XXXX ) for overall experience.
Consumer complaint received 2021-10-27
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: Paramount Recovery Systems, L.P. (VA)

XXXX regularly allows collection agencies that have bought an old bad debit to reage the debit. Everytime I dispute when this happens, they immediately decline my dispute and say the information is accurate and was verified as such with the collection agency without truly investigating. The current issue is with debt posted by Paramount Recover systems, where they bought a debt from XXXX XXXX, originally delinquent 2015.