davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your investigation. Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re investigation.
Consumer complaint received 2021-08-18
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. (MD)

My Problems with Equifax Hello my name is XXXX XXXX XXXX, and I am sending this letter to describe my problems I have been having with Equifax since XXXX. Ive been told Information has been Correct to be mine over & over again, when I have been giving information from sources which were previously available on Equifax that don't belong to me. A Home Mortgage, Student Loans, other banks or loan accounts, Birth date & year. 


Since XXXX I have spoken to the places that can Verify this information is wrong, such as XXXX ( XXXX ) which before speaking to anyone lets you put in a Social Security number, Etc that will tell you that youre not in the system. But if I use the information that Equifax claims belonged to me it literally details this other person Current living address and Phone Number which is the Home that was Bought with the Mortgage. Now that all the information was removed from Equifax I cant Dispute anymore to fix the problems since it requires me to give the agent information I know nothing about such as previous payments, closed accounts. They would either let me through to dispute or just hang up on me and disputing on Equifax website doesnt make it better.
Consumer complaint received 2023-01-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY (MI)

Applied for credit card, made a requirement to update phone number with credit bureau. Complied updated phone number. Called back and verified I met criteria. Still was denied based on same reason. Company wants to re run credit even though I met criteria within time given.
Consumer complaint received 2023-01-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Spring Oaks Capital, LLC (KY)

They was paid off in XXXX, by XXXX XXXX XXXX  and they changed the name of the debt collection to XXXX XXXX but it's still the original XXXX XXXX  that we agreed to pay. Which is paid off and they will not remove the item. I've attached copies of the payoff and all bank ledgers
Consumer complaint received 2020-11-27
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. (FL)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet.
Consumer complaint received 2022-07-20
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. (GA)

I'm in the process of building my credit. I haven't applied for anything in over 20 years. I was XXXX  for the 20 years. With the help of my daughter, we were trying to build my credit up. So, we pulled my credit file and there was an account by the name of XXXX XXXX account number XXXX opened XX/XX/2021. 

This account I never authorized to be opened, I never applied with XXXX XXXX XXXX  to open this card. I never signed for anything ; I never spoke to anyone in reference to anything. 

My daughter started doing research and found out that all credit reporting bureaus must be accurate with reporting on all 3 bureaus. In accordance with Fair Credit Act XXXX XXXX XXXX XXXX  XXXX has violated my rights. 15 U.S.C. 1681 section 602A states I have a right to privacy. 15 U.S.C. 1681 section 604A section 2. It also states a consumer reporting agency can not furnish an account without my written consent.
Consumer complaint received 2021-08-18
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: WELLS FARGO & COMPANY (CA)

I got a small no interest loan for a certain term that Im not sure of from Wells Fargo.The loan was for around {$9000.00}. I was paying it it off in large chunks and assumed they would warn me when the no interest period was about end but they did not. When I had paid the loan down to {$3000.00} they added {$6700.00} in interest. This is definitely fraud and predatory lending in my opinion. If I knew that would happen on that date I would have paid off the {$3000.00}.
Consumer complaint received 2022-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (WA)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, Account # XXXX, Account # XXXX has violated my rights. 

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

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2017-09-22
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: BARCLAYS BANK DELAWARE (NY)

I opened my barclay XXXX card in XXXX online, as I did the application online, I wanted to do a balance transfer from my XXXX account for the amount of XXXX on XX/XX/XXXX. That was the only balance transferI processed online. Once my credit was approved, I expect to see information on my balance transfer. I then called to confirm and add another chase account balance transfer for the amount of XXXX. In the midst of confirming and adding another balance transfer, Some how a third balance transfer was added at the mistake of the representative from barclay card for the amount of XXXX. They closed my account, I recieved a letter dated XX/XX/XXXX stating the balance transfer never processed and it was an invalid chase account. Online with my barclay card for the month of XXXX, my account shows the same information, how my account was credited back the invalid balance transfer for XXXX. Some how that balance transfer is now a " valid chase account " and is on my statement. I 've showed them all the proof and even the letter they sent me. I even had chase on the phone with barclay card telling them it 's not a valid chase account. In the event this happens they are supoose to open a claim with chase. They told me I need to contact chase and figure it out. Barclay card said they opened a claim, verified it 's a valid chase account under my name and they 're nothing they can do, I can write a letter to the president of the company. Basically this is n't my balance transfer, it was was their mistake, it 's not a valid chase account. They also, had a payment posted and taken off, I asked them to give me information on the payemt ; they also charge me interest on a brand new card. I 've asked barclay card to pull my phone records and listen to the call and they have done anything to help me as a customer! I have had nothing my problems and they resolution for me is to write the president of the company, they gave me his fax number. THank you
Consumer complaint received 2023-01-11
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bull City Financial Solutions, Inc (SC)

This company has been on my credit report for years, when you contact them they are rude disrespectful and degrading. I spoke to providers who tell me they can not locate an account nor do I owe them any more. Bull city financial solutions will still not remove their accounts from my credit reports. I have spoke to the providers billing department and have also spoke to bull city with no results.
Consumer complaint received 2018-07-23
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: SYNCHRONY FINANCIAL (NY)

Our address changed from XXXX to XXXX XXXX at the end of XX/XX/2018. We have spoken with Customer Service reps at XXXX XXXX in XXXX in XXXX, XXXX, XXXX, XXXX, XX/XX/2018 but they continue to send statements to the wrong address in XXXX. Takes 3 days to get to XXXX and another 5 days to be forwarded to us in XXXX ... and this is the final month USPS will forward the mail. 

Appears XXXX XXXX WILL NOT change the address correctly. On Thursday, XX/XX/2018 they guranateed they'd send an overnight new statement to the correct address in XXXX. XXXX  records indicate they sent it overnight, but AGAIN, to XXXX. 

Spoke with them again today and they are at a loss for words ... 

We're now asking for our deposit ( up to date interest included ) be remitted to us forthwith without penalty as XXXX XXXX has demonstrated they are unreliable.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-08-12
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. (OH)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian, XXXX and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX XXXX XXXX Balance : {$15000.00}
Consumer complaint received 2020-10-27
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 XX/XX/XXXX I was in the process of acquiring my three annual free credit reports, I received two without issue, however, " Transunion '' is unable to provide me with a report and contact with Transunion is extremely difficult unless you're purchasing a product. During the process of verifying my information, I was being asked questions that were not pertinent to me, for example, one question indicated someone who has a mortgage or lives with me in XXXX, TX and indicates my wife 's name, I divorced her in XXXX and I sold that house somewhere around XXXX or XXXX, I checked " none of the above '', this they were asked about phone numbers and zip codes that I've never had. Every time I would get a message stating they are unable to verify who I am. I've had issues with Transunion in the past and filed a complaint, they are the most deceptive when ordering products and now the information the are requesting is not even remotely pertinent to my circumstances, this issue is of concern, if they cant get this right what else incorrect? All I want is my free credit report as dictated by law, I have the ability to verify my identity when asked questions currently or otherwise in the couple of years associated with my circumstances, furthermore, when selecting the link from the email sent to me, all it say is site not available, calling them is futile and getting through is difficult unless your purchasing a product.
Consumer complaint received 2023-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Transunion has failed to respond to my initial dispute in a timely manner. it has been more than XXXX days from my initial dispute and I have yet to receive any response. Transunion is in direct violation of the FCRA on multiple accounts including but not limited to sharing my non public personal information, furnishing a report without my consent or written authorization, Furnishing inquiries on my report that are not tied to any open extensions of credit or authorization from myself and assuring the XXXX possible accuracy of the information pertaining to me and my consumer report. Transunion is in direct violation of the FCRA section 604A ( 3 ) ( a ), 15 USC 1681 ( B ) ,15 USC 1681e ( B ), 15 USC 1681B ( a ) ( 1 ) ( 2 ) ( 3 ) -a, and 15 USC 1681n ( a ) ( 1 ) ( a ) ( b ).
Consumer complaint received 2018-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (SC)

Companies involved : Wells Fargo and XXXX XXXX XXXX of North Carolina I signed a contract to have gutter protection installed on my home on XX/XX/XXXX. There was 0 % interest available for 2-3 years. It was through Wells Fargo. After giving it more thought I decided to cancel the contract within my 3 day grace period which I did by calling on XX/XX/XXXX and speaking with XXXX. I followed up the call with a letter. 
I received a CREDIT CARD in the mail for {$5500.00} more than I thought I was financing. No one ever mentioned a credit card. I called WF on XX/XX/XXXX talking with XXXX. She said she would cancel the card. I followed it up by calling again on XX/XX/XXXX. XXXX advised me that the account had been closed but she would file a dispute to show I had never opened it. I filed a dispute in my own interests with XXXX on XX/XX/XXXX stating that this account should never had been opened and that it was issued for {$5500.00} more than even requested. 
Yesterday, XX/XX/XXXX, I got an email from XXXX XXXX to let me know that there was a closed account and comments they thought I should check. So I called XXXX speaking with XXXX. He told that the drop of XXXX point in my credit score was a result of comments by WF that I had filed a dispute against them and closed the account. He said this would continue to effect my scores as it would be reported to anyone requesting info on me. He also said that he would remove the comments for me and the dispute I had filed would not be done until 20 days.
Consumer complaint received 2022-07-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (FL)

My mortgage has recently been transferred from XXXX XXXX XXXX to RightPath Servicing. XXXX XXXX XXXX received proof of property insurance from me on XX/XX/22 and again on XX/XX/22. I sent proof a second time due to XXXX XXXX claiming I havent provided them with proof of insurance. 

On XX/XX/22 RightPath Servicing made the claim, to me, that they did not have proof of current property insurance and threatened to place insurance on my property and charge me for it. On XX/XX/22 I emailed proof of property insurance to RightPath although they should have received the proof of insurance from the previous servicer, XXXX XXXX XXXX 
On XX/XX/XXXX, received XX/XX/XXXX, RightPath mailed me a letter still claiming to not have proof of insurance and threatening to purchase insurance on my behalf. I have now emailed my insurance policy to RightPath twice, again on XX/XX/22, and ask that you hold them accountable for attempting to fraudulently charge me for insurance I already have.
Consumer complaint received 2020-12-09
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: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I respectfully disputed on ( XX/XX/2020 ) for items on my credit report to be verified according to federal law though physical verification of the original signed consumer contact. The investigation has taken well over 30 days and no proof of contact have been provided to me.
Consumer complaint received 2020-08-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: GVA Holdings, LLC (IA)

I received a loan on XX/XX/XXXX for {$700.00}. As of today I have paid {$3400.00}, I have scheduled my final payment for XX/XX/XXXX in the amount of XXXX. 

This had an APR of 674.9616 %. {$3700.00} as of XX/XX/XXXX https : //self-service.brightlending.com/loans Iowas Regulated XXXX XXXX caps interest at 36 % on the first {$1000.00}, 24 % on the next {$1800.00}, and 18 % on the remainder. The resulting XXXX, which blends these rates, is 31 % on a {$2000.00} loan. 

They are not licensed in the state of Iowa.
Consumer complaint received 2023-01-12
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. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXXXXXX 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 2020-07-18
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (PA)

In XX/XX/2020, I had a XXXX  balance with Macy 's credit card. Macy 's did not produce a XXXX statement. On XX/XX/2020, I made an online purchase for {$40.00}. The statement dated XX/XX/2020 showed a balance of {$40.00} with a due date of XX/XX/2020. On XX/XX/2020, Macy 's processed a payment of {$40.00}. Also on XX/XX/2020, Macy 's charged me interest and a late fee when my bill isn't even due until XX/XX/2020. On XX/XX/2020, I contacted Macy 's through the message portal on their credit card site. While I received a robotic confirmation of my message immediately, the company made no further attempts to resolve this simple issue. After waiting one week, I made a second attempt to resolve this issue directly with Macy 's and decided to file a formal complaint against Citibank for the mismanagement of this account.
Consumer complaint received 2017-09-22
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SECURITY CREDIT SYSTEMS INC (OH)

X/XX/2017 - Company : Security Credit Systems Contacting people that are not part of my life and giving information to these people, all without any written notification. This is all without permission, if that was n't a given already. I did not even have contact information for this person that they contacted, I am sure that is a violation of some type.
Consumer complaint received 2021-08-18
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: International Computer Systems, Inc. (CO)

I was led to believe that by a representative of the collection company that when i paid the collection that it would be removed from my credit report with the three credit bureaus and it hasn't been. Please help me get this resolved. I have tried disputing it with the credit bureaus but it still remains. Please help me resolve this issue as it should not have been on my report to begin with but i agreed to pay it and not fight it only because they agreed to remove it.
Consumer complaint received 2017-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (IL)

Since XX/XX/XXXX of XX/XX/XXXX I was attempting to make payments to Synchrony bank for my HOME  DESIGN FURNITURE account. I lost the card and reported it as such. They could not give me my account information over the phone and said I needed to do it online. However, I was unable to login online without the card number ( which was lost ). I called multiple times in this period trying to make payments. I then received a call in XX/XX/XXXX of XX/XX/XXXX from the company that I owed over {$1000.00} because the amount was not paid off in full before the promotional period. First, I was not made aware there was a promotional period. Second, I tried SEVERAL times making payments prior to their phone call but was never able to due to the account information being unavailable to me. They only contacted me AFTER they changed the interest. They never called me prior to the change in interest to collect a payment even when I was calling them so many times trying to make payments. I only owed about {$400.00} before their phone call to me. I advised that I would pay the balance prior to the 29.99 % interest rate being applied and they refused to accept. It was only 2 weeks after the interest was applied when I offered to pay in full if they removed that interest I was never told would happen until AFTER it was applied to my account. They refused and suggested I file a formal complaint with their company. I did that several times. Each time I have contacted them since ( a few times a month ) they say the complaint is still being reviewed and now they put it on my credit report without resolving the issue with them.