davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Once you've successfully filed your credit dispute, you should expect the following to happen : 1.  Confirmation Code You'll receive a 10-digit confirmation code for future reference. You may check your status anytime within your XXXX  account. 

2. Investigating Your Dispute When reviewing your dispute, if we are able to make changes to your credit report based on the information you provided, we will do so. Otherwise, we contact the reporting company to verify the accuracy of the information youre disputing. 

3. Results in 30 Days Within 30 days of your dispute request, we will notify you of the results of our dispute investigation. 

From XXXX page themselves but all my disputes take more than 45 days in most cases
Consumer complaint received 2017-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

The lender is  XXXX  which is not reporting the correct balance and that is effecting my credit score significantly.
I opened an investigation with   XXXX   XXXX   and they did n't change the balance saying the balance was correct because the lender said it was correct and the case was closed with the same incorrect balance on  XX/XX/XXXX , the case was opened on XX/XX/XXXX .
The balance is   XXXX   as of  XX/XX/XXXX  in my credit report but as of  XX/XX/XXXX  the correct balance is  XXXX  I called   XXXX   XXXX   and complained to  XXXX  which claim was a supervisor on  XX/XX/XXXX  at   XXXX   XXXX     XXXX   and asked him why   XXXX   XXXX   is reporting a false balance and he said because   XXXX   said it.
I told  XXXX  it was insane to report the same balance 3 months after the account was opened and that they needed to be honest but he said wo n't change the balance and period.
I asked why the screenshot that I submitted within   XXXX   XXXX   dispute section was not presented to the lender -   XXXX   and  XXXX  said they do n't use screenshot so I asked why they do do n't ask about my balance sheet or payment record from  XXXX  and he said they do n't do anything other than ask the balance and whatever the lender say that is what is going to be in my report no matter what I say.
The government should have a law that ensure the report is accurate because the financial damage that a false report cause to consumers is extremely devastating.
Consumer complaint received 2023-01-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: KEYCORP (NC)

On XX/XX/XXXX I had my card stolen and my information stolen through phishing. I was on a trip ( on a cruise ) without communication so I couldnt reach the bank. I dont tend to use my Key Bank account much because its not my primary account. I thought everything was okay since I wasnt receiving any type of texts about my account ( someone turned it off ). On XX/XX/XXXX I got an email from key bank and a text of the fraud department saying that someone was trying to buy something and they sent a text to confirm if it was me because the purchase I was suspicious. I said no and I called to see what was happening. As soon as I got home I called them and I saw that my account has been used for a LOT OF THINGS without my permission and that my debit card had a lot of unauthorized purchases. I tried to dispute and I asked for a replacement card and it happened again with the new card ( with some XXXX XXXX purchases online ). The agent told me that XXXX has something called updated payment and even if you use your old card and even if its closed and canceled, XXXX updates your new information ( the new card ) to the older one, and someone was able to use it again online, so the representative had to make a HARD CLOSE and cancel my card completely and sent a NEW ONE. Its a complete headache. Then, I had my case DENIED, after explaining that I had my card stolen, and someone stole my information online and used my card multiple times. Keybank took more than XXXX dollars out of my account without CONSENT ; they didnt call, they didnt send me an email, they didnt communicate with me. Thats illegal. If you report the loss of a credit card before its used, you can not be held responsible for any unauthorized charges. If a thief uses your card before you report it missing, the most youll owe for unauthorized charges is {$50.00} per card. Thats what the law says. So Ill gladly sue them if they dont fix this because I was the victim.
Consumer complaint received 2023-01-28
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. (CA)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2020-03-27
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: Experian Information Solutions Inc. (CA)

Iwouldliketorequestthesuppressionofthefollowingitemsfrommycreditreport, whicharetheresult ofmyfallingvictimtoidentitytheft
Consumer complaint received 2017-08-04
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. (NJ)

XXXX   XXXX   ACCOUNT MUST BE REPORTED AS CLOSED BY CONSUMER. THE DISPUTE FLAG SHOULD BE REMOVED AS THE COMPANY HAS RESPONDED THAT THE DISPUTE HAS BEEN RESOLVED IN MY FAVOR. THEREFORE, MY INFORMATION ON THE ACCOUNT IS BEING INCORRECTLY REPORTED. PLEASE SEE THE COMPANY 'S RESPONSE TO THE CFPB.
Consumer complaint received 2018-04-02
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

I received notification from XXXX XXXX about a few new inquiries. To my knowledge I have not given any consent to no one to use my credit file without contacting me so Im puzzled to how the inquiries are listed on my credit report. This isnt factual records because I didnt give any consent to open up any new accounts. I am also sending this message and letter as an affidavit and I would like an internal dispute to take place for this matter immediately. The internal dispute shouldnt take no more than 72 hours after receiving the receipt.
Consumer complaint received 2018-04-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: GreenSky, LLC (MI)

In XX/XX/XXXX I had a new roof and gutters put on my home by XXXX XXXX remolding, It was financed through XXXX. As of today the job is not completed. The city of XXXX has not approved the roof. The contract states that the job has to be completed with in 90 days, I gave XXXX a year, Called them weekly to get them to finish the job. From XX/XX/XXXX to XX/XX/XXXX I paid XXXX. Also the forged my name and my wifes name to papers stating that we signed off on the job!
Consumer complaint received 2023-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to file a complaint against TransUnion for violating my consumer rights under the Fair Credit Reporting Act ( FCRA ) and the California Consumer Credit Reporting Agencies Act ( CCRAA ). During a recent conversation with a TransUnion representative, I called concerning a dispute about a debt collection on my consumer report and the representative argued with me about my what my rights are and are not. When I said I would report the conversation I was informed that I did not have permission to disclose the conversation to any XXXX party. I believe that this statement by the representative constitutes a violation of my rights as a consumer under both the FCRA and the CCRAA.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
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 2023-01-28
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: TD BANK US HOLDING COMPANY (NV)

I CALLED TARGET ON XX/XX/23 TO REPORT MY CARD LOST/STOLEN WHEN I WAS TRANSFERRED TO AN AGENT I ASKED TO SPEAK TO FRAUD THE AGENT SAID HOW CAN I HELP YOU, I SAID I WOULD LIKE TO SPEAK TO FRAUD, SHE THEN REPEATED THE SAME THING, I AGAIN TOLD HER I WANTED TO TALK TO FRAUD AND SHE GOES I AM FRAUD, I INFORMED THE REP THAT I DID NOT KNOW THAT BECAUSE SHE NEVER TOLD ME SHE WAS FRUAD THE AGENT THEN DISCONNECTED THE CALL I SPOKE TO THE SUPERVISOR AND SHE SAID OH I WILL FILE A COMPLAINT AND SHE WILL GET TRAINING. I TOLD HER NO SHE NEEDS TO BE TERMINATED, THE SUPERVISOR THEN DID NOT ADDRESS THE PHONE CALL TO BEGIN WITH AND I HAD TO TELL HER WE ARE NOT DONE. TARGET NEEDS TO STOP HIRING EMPLOYEES LIKE THIS. THE SUPERVISOR REFUSED TO REVIEW THE CHARGES ON THE ACCOUNT AND TOLD ME SHE CANT HELP ME AFTER VERIFYING ME WITH A ONE TIME PASSCODE THEREFORE WE HAVE NOT BEEN ABLE TO TAG ANY CHARGES AS FRAUD.
Consumer complaint received 2018-04-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (NM)

I went to XXXX XXXX  Medical Center onXX/XX/XXXX I was billed XX/XX/XXXX and a check was written out to the hospital on XX/XX/XXXX and I do have a copy of that check. After I paid the bill I continued to receive collections notices of the same amount from Transworld Systems Incorporated. They clearly believed that I still owed the already-paid debt so I decided to call Transworld Systems Inc., unfortunately I did not keep track of those dates but I called several times. Someone eventually called me back to say the debt that was already paid would be resolved. I decided to send them a letter and proof of payment this was sent on XX/XX/XXXX. As of todayXX/XX/XXXX they still have the debt of {$120.00} as still owed, even though it was already paid. I would just like to know when this will cleared if ever? I was notified by my bank sometime in late XX/XX/XXXXthat the so-called debt of {$120.00} was bringing down my credit score. I do not know what else to do at this point. I have all my papers, bills and a copy of the check that was maid out to the hospital.
Consumer complaint received 2023-01-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (GA)

I received a collection notice from AFNI about a bill from XXXX XXXX XXXX ( XXXX ). I contacted them by phone to let them know that i have never had an account with XXXX XXXX XXXX. They advised me to file an identity theft claim. After doing so, I received another letter from AFNI informing me that XXXX XXXX XXXX determined the account to be valid but did not send any proof, other than the letter attached, or their method of validation. Which is unacceptable. I am exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all validation to investigate this matter. I am absolutely positive this erroneous item does not belong to me and should be removed from my credit report, along with all other files in connection to the account, immediately. 

Please see attached letters : AFNI collection notice AFNI fraud response
Consumer complaint received 2021-08-09
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (TX)

30 Day late payment reporting was provided to the 3 credit bureaus ( XXXX XXXX and XXXX  ) in error, This error caused a drop of 82 to 95 points to my Credit Scores and reduced my 100 % on-time payment record to 99 %. Loan Depot approved my Budget/auto drafting of my account for my Mortgage Payments in XX/XX/XXXX, this action was to ensure no late payments and that my account would be paid bi-weekly. Loan Depot 's policy for auto drafting requires 2 months payments paid in advance ( performed on XX/XX/XXXX and XX/XX/XXXX ) which covered XXXX and XX/XX/XXXX. 3 additional payments, XXXX XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX were also made online using Load Depot 's website making the first payment to be paid from auto drafting on XX/XX/XXXX. On XX/XX/XXXX after logging into Loan Depot 's webpage I noticed they hadn't taken XXXX or XX/XX/XXXX drafts and no suitable explanation was provided as to why I was at fault for the missed payments. Funds were readily available an no attempt by Loan Depot was made to ensure timely payment. I took the following steps to correct the issue and get setup for budget drafting again by paying XXXX, XXXX and XX/XX/XXXX payments with the first auto-draft scheduled for XXXX XX/XX/XXXX on XX/XX/XXXX. I then filed a complaint with Loan Depot which they denied any wrong doing and that their records were correct and I filed disputes with each credit bureau.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I raised disputes for this inaccuracy more than 35 days ago, and there has been a failure on your part to notate them as disputed. The absence of notations is unacceptable. According to 15 USC 1681s-2 ( 3 ), this items must be promptly removed from my credit report.
Consumer complaint received 2023-01-27
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2024-02-22
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. (IL)

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had one late payments on an account that was in fact paid on time, but consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments Ive attached a copy of my report to this complaint on the following dates XX/XX/year>. Im now requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified I demand these payments be updated to pay on time immediately thank you for your understanding and prompt action.
Consumer complaint received 2023-02-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (NY)

I am having an issue with my Wells Fargo Credit card. 
I keep paying my bill on time with a little extra on it and Well Fargo keeps charging me a late fee. I am a disabled person on a limited budget and can not continue paying the late fee. 

I would like Wellfarg to please credit me back the late fee of {$29.00}
Consumer complaint received 2021-11-03
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. (KY)

On the morning of XX/XX/2021, I decided to look at my credit score on XXXX XXXX. After logging in, I noticed that my Transunion score went down by 23 points. When I investigated this, I found that an account was reported to collections from some company called XXXX XXXX XXXX XXXX in the amount of {$930.00}. I contact them and they claim that it is from a XXXX XXXX account that I once owned. I have not had a XXXX XXXX account in over 20 years and was never delinquent. When asked to validate the debt, they refused. I want this removed from my credit report. 

Sincerely, XXXX XXXX
Consumer complaint received 2017-08-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: ARC Management Group, LLC (LA)

On   XXXX   XXXX  , 2017 I went to the emergency room and before I left I told them I had  XXXX . I did n't receive anything in the mail I just seen it as a derogatory on credit report. Arc Management Group shows {$1200.00} only on my   XXXX   report. Arc Management Group does n't even answer the phone number when I call.
Consumer complaint received 2018-04-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Nguyen Law Firm, PLC (VA)

I had a XXXX XXXX and a XXXX on my XXXX done by XXXX XXXX XXXX on Friday, XX/XX/XXXX and Friday, XX/XX/XXXX, I paid {$1200.00} out of pocket. I just got a letter from a law firm stating I owe an additional XXXX. I call the XXXX XXXX XXXX and they stated the insurance didn't cover what was done. I then called my insurance company and they stated XXXX XXXX XXXX used the wrong dental codes and overcharged by {$500.00}. After I got the dental work done by XXXX XXXX XXXX, I thought it was a bit much so I went to another dentist in the area to get work done on another XXXX. They quoted me on a XXXX on the opposite side with two options : a XXXX and XXXX XXXX XXXX XXXX. The XXXX quote was {$1200.00} and the XXXX XXXX XXXX was {$280.00}. Unlike the XXXX and XXXX I got done at XXXX XXXX XXXX, I opted to get the XXXX XXXX XXXX. XXXX XXXX care has a history with The Nguyen Law Firm , PLC in bullying people and ruining their credit with overcharging clients.
Consumer complaint received 2018-04-02
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF NEW YORK MELLON CORPORATION, THE (WA)

Two years ago ( XX/XX/XXXX) I was enrolled in a low deductible health insurance plan with an HSA account. There was a low balance fee ( custodian administrative fee ) of {$2.00} per month for balances under {$2000.00}. I changed health plans in XX/XX/XXXXto one that did not have an HSA. I did not contribute to the HSA nor did I withdraw from it in XX/XX/XXXX, and I did not carry any balance. It was effectively unused and deactivated. This year I changed back to the same plan as in XX/XX/XXXXwith the same HSA. In XX/XX/XXXX I was charged {$30.00} ( 15 x {$2.00} ) in fees for low balance. It's possible {$2.00} of that was for XX/XX/XXXX, but the other {$28.00} ( or minimum {$24.00} for 12 months of XX/XX/XXXX x {$2.00} ) was charged for when I was not able to use the account. I called the benefits administrator ( XXXX ) and they called in with me to Bank NY Mellon, and both parties said they were unable to reverse or waive the fees. This was in late XX/XX/XXXX or early XX/XX/XXXX.

Note that I changed addresses in XX/XX/XXXX.
Consumer complaint received 2020-08-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION (NY)

Friday XX/XX/XXXX I received the following text message ; Did you try a fuel charge at XXXX on card XXXX XXXX yes or no. To optout text stop. 
I mistakenly texted yes thinking my husband was getting gas. 
He did not get gas or use the card. 
My frustration was the next day when I went to make a purchase with my debit card it was declined, Later we checked my account on line and my account was emptied. 
I had a deposit put in for a XXXX the day before. 
Someone had broken into/stolen the account ( I never lost my card ) and charged in {$75.00} increments until it was emptied. At XXXX in XXXX Florida. 
I was living in the time in XXXX XXXX, recovering from a bad fall with XXXX XXXX XXXX XXXX. 
My biggest complaint against the fraud protection and Peoples bank was that if they would have given me more information I would never had typed yes. Like the amount or the location. I feel I was treated very unfairly with no return of over {$900.00}. 
Also they texted only 1 message not one for each withdrawal, which had they. I would have been aware of the problem before all my money was taken. 
.
Consumer complaint received 2020-01-20
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (AZ)

I purchased a phone with XXXX Store Financing ( Synchrony ) on XX/XX/19. XXXX advertised I could make the minimum payment ( $ XXXX/month ) for 24 months and not be charged interest. 

Under the same account I bought a XXXX XXXX XXXX for {$250.00} on XX/XX/19. I assumed the same terms applied to this purchase. Since I signed up for auto-payment and paperless billing, I was not reviewing account activity. 

Recently, I was charged {$45.00} in interest that I was told was the accrued interest for the XXXX XXXX XXXX. This translates to 17 % of the principal that I was charged over just 6 months. Apparently, they had signed me up for a 6 month deferred interest program without my consent or acknowledgement at the time of purchase. 

Balloon payments like these need to be expressly advertised at the time of purchase. This is the definition of predatory lending. Had I been aware of these terms, I would never have made the purchase.