davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-11
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. (GA)

Associated Compliant ID : XXXX ; and XXXX I attempted to place them on your site TransUnion ; however, your office seems to be trying to escape from legal matters ; it looks like a trashy reporting company. It is supposed to do well are reporting, yet not verified before registered.. CFPB ; check their amount of docs able to be uploaded online, which is ( 5 ) ; however, a dispute may be taken more than that to prove. Which are the issues I'm having? I was able to upload one set of docs and then proceeded to upload the associated case docs, and it was a no go ; I can't make this up, try it for yourself.. The next noticed the site said you could only dispute one case every 30 days online excuse me they reported more than one account, I should be able to dispute, whatever is registered on a portal or don't report all. It's almost as if your negative generating information to assist in charging me higher rates ; please audit this Company in their practices with consumers. It is not the consumers ' job to ensure the staff doesn't get overloaded. Get the workforce and stop all this off sourcing of services American Company. 


Trans Union seems to have an issue with making sure that the billion-dollar company sites work. Attempted to posted the needed docs to complete a dispute on the portal ; however, it seems the portal can't have docs uploaded. 

I then attempted to call over the phone after spending 5 hours still no results ; I asked could they take the claim over the phone, they said yes, but I would need to mail the docs it is XXXX, not XXXX we online in what good is a portal that only allows five docs to prove a case. Then the misleading fax numbers that do not exist based on the information provided via staff XX/XX/XXXX from XXXX XXXX to XXXX XXXX   EST. 

Their entire system seems to be a joke in not trusted with consumer information. Someone from the CFPB needs to send a task team to check the online, phone, and communication outlets that frustrate consumers trying to conduct business with this Company. About incorrect information, and then they advised we have a system ; however, it required me to purchase credit protection from this old school poorly ran Company, I think not. Check their design and evaluate them. 

Please see the attachment that I was trying to provide to assist in dispute research that they need to do before just posting the garbage system. It took the XXXX XXXX stroke of the button to provide all these lies ; however, I'm having a tough time correcting.
Consumer complaint received 2019-03-16
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: AMERICAN EXPRESS COMPANY (MO)

Receive around 14 calls a day from them. Spoke with a gentleman named XXXX at extension XXXX he advised they had already sent out statements and proof of debt what more did I want. Just pay the debt. I have not received one thing from this collection agency, not even a letter showing they have a right to collect. XXXX was very rude and abusive towards me. I spoke with my son and advised him this debt did not belong to me. He helped me fill an identity theft report and I sent a letter to this collection agency today along with my FTC identity theft report.
Consumer complaint received 2018-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 
Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 
The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The listed items are completely fraudulent and were not opened by me, and is a very serious error in reporting.
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: Experian Information Solutions Inc. (FL)

Ive diisputed this particular acct XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX and XXXX XXXX for the compay XXXX XXXX XXXX in the amnts of XXXX and XXXX which Experian keeps stating they have verified as accurate. Ive asked in each disputes how they have come to these terms and they have yet to produce. I then in XXXX filed a compliant via your portal only for the response to state company does not recognize. I sent a letter after speaking with some one on XXXX from complaint id # XXXX and another complaint was initiated only for it to come back XXXXXXXX advising same thing under complaint id # XXXX. I then sent another letter authorizing the resolution of acct via you investigation. Only for them to send me another letter stating what I disputed was verified accurate. Please help Im convinced no human is getting this information
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 recently bid on XXXX diamond rings on the website liveautioneers - auction house - XXXX XXXX XXXX. I asked the merchant if I could just upgrade the XXXX ring instead of purchasing XXXX separate rings. They agreed and said they had a larger diamond that they could offer me. They sent me a photo of XXXX diamonds that they had available. I selected XXXX of the stones- XXXX ct. My original purchase of ( ring XXXX {$1100.00} + ring XXXX {$1500.00} = {$2600.00} ) now is totaling {$6600.00}. I have no idea how it got so high. They requested a deposit thru my checking account of {$3400.00}. I did not realize at the time that you can not dispute an echeck. That money is gone. The balance was charged on my Amazon Chase Credit Card for {$3100.00}. I was away on vacation while this was going on, and not fully paying attention. I was out of the country. I was also going thru the dispute with XXXX XXXX  regarding a lab created diamond. I was nervous and asked to cancel the purchase. They said I could not cancel the order. When I returned from vacation and opened the package containing the diamond ring, I was shocked. The diamond was not the one I selected. This diamond is XXXX. I would never had selected a brownish diamond. They included a certificate indicating the ring is worth {$18000.00}. I took the ring to a reputable jeweler and paid {$150.00} to have the ring appraised. The ring was appraised for {$6900.00}. - Color MN ( XXXX XXXX ). Not even close to the estimate XXXX XXXX sent with the ring- {$18000.00}. I disputed the charge with Chase and Chase said they sent all the appropriate documents, and when I bid on the ring, I waived my right to dispute the charge. Well I had no idea they were going to put a brown diamond in the center of the ring. I did not select that stone. Chase said it was a valid charge- {$3100.00}. I already lost the money they took out of my checking account - {$3400.00}.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Attention : XXXX XXXX, I recently obtained a copy of my credit report from your service and have found the following items to be in error. These accounts have a low or XXXX balance. 

Open credit card accounts XXXX XXXX XXXX {$870.00} out of {$800.00} 110 % XXXX XXXX {$310.00} out of {$300.00} 105 % XXXX XXXX XXXX {$880.00} out of {$850.00} 104 % XXXX {$2000.00} out of {$2000.00} 104 % XXXX XXXX XXXX XXXX {$3800.00} out of {$3700.00} 102 % XXXX XXXX XXXX {$1600.00} out of {$1600.00} 101 % XXXX {$1000.00} out of {$1100.00} 99 % XXXX XXXX {$1000.00} out of {$1100.00} 98 % XXXX XXXX XXXX XXXX {$1300.00} out of {$1400.00} 98 % XXXX XXXX XXXX {$770.00} out of {$800.00} 97 % XXXX XXXX  XXXX XXXX {$470.00} out of {$500.00} 94 % XXXX XXXX  XXXX XXXX {$250.00} out of {$300.00} 85 % XXXX XXXX XXXX XXXX {$240.00} out of {$300.00} 81 % XXXX {$200.00} out of {$400.00} 52 %
Consumer complaint received 2024-04-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (IL)

I noticed unauthorized accounts on my consumer report that I would like removed. According to the FCRA, these unverified and unauthorized items must be removed. 

I have not supplied proof under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Consumer complaint received 2024-04-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE (OH)

My card was stolen by my coworker or his cousin, He came over my house on XX/XX/XXXX around XXXX because we had to work on a project for our job. He also arrived with another person who I dont know the name of. He said it was his cousin so I didnt have a problem with it, I ended up falling asleep around XXXX once we finished our assignment I woke up to my XXXX XXXX missing, my wallet with my cards inside of it and my ID, And I keep my card pin written down on a sticky along with other documents that I keep XXXX XXXX XXXX XXXX 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  That safe is also missing and the keys to open it is also missing to, I also believed that he XXXX guessed my pin to my card because its the year XXXX XXXX XXXX XXXX  so its not that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I always talk about my son to everybody, His name is XXXX XXXX, XXXX XXXX XXXX XXXX and he stays in XXXX XXXX  Ive never been to that side of town a day in my life and the location where the ATM transactions happened at is almost XXXX min away from my home address. Also it took me a couple of days to report this incident because my phone was stolen and I had XXXX so I had to quarantine for the past XXXX  days because I havent been able to log into my XXXX since XX/XX/XXXX or any of my other bank accounts to see that my money was being stolen, I couldnt call because I didnt have a phone at the time and didnt know the number to call Ive also tried contacting XXXX him now that I have a new phone but theres no answer. he doesnt work at my job anymore so its nothing I can do unfortunately even the job tried contacting him to but it was no answer also hopefully I can get my money backI also had money that was scheduled to be moved from my XXXX XXXX  account to my Huntington bank account automatically XXXX number to my claim is XXXX
Consumer complaint received 2024-04-04
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (CA)

I spoke to Amazon on XX/XX/XXXX and XX/XX/XXXX and they confirmed that they issued a refund for {$960.00} on XX/XX/XXXX. They stated that Chase accepted the funds and there was nothing else Amazon could do. 

I have not received this refund for {$960.00} as of XX/XX/XXXX. I opened 3 disputes with Chase and they have not credited me nor have they responded regarding what happened to my refund from Amazon.
Consumer complaint received 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

XXXX ) XXXX ) XXXX XXXX XXXXDisputed discrepancy in reporting contradictory open and closed dates and that account was too old to be reported to credit bureaus. XXXX removed account from Credit Report but Equifax and XXXX did not. ( Report Created On : XX/XX/2024 File Identification Number : XXXX Provided by XXXX Consumer Relations )
Consumer complaint received 2021-09-04
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: CITIBANK, N.A. (TX)

I was charged {$75.00} by XXXX in XXXX of XXXX. I disputed this charge as it was authorized by ex-wife on an old Citibank credit card account ending in XXXX. I had cancelled this old card and received a new card ending XXXX in late XXXX. After providing information to Citibank they removed the charge in XX/XX/XXXX. However, they allowed XXXX to charge my account ending in XXXX again in XXXX of XXXX. I disputed this charge again and Citibank has now come back siding with XXXX and added the charged back to my account and are now requiring me to provide proof that I cancelled the service. This is a service I never requested and have had no contact with XXXX. XXXX has not sent any communication to physical mailing address or my email address so I have no means to cancel this service that I never set-up.
Consumer complaint received 2020-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

I took a mortgage in XX/XX/XXXX, I bought my house through a company called XXXX XXXX XXXX, they sold the loan to a company called XXXX XXXX XXXX they report me on the credit report at XX/XX/XXXX. 
in XXXX another company report me to the credit report that called XXXX XXXX XXXX XXXX 
now the situation I have on my credit report two mortgage loans two companies claim my loan. 
- what I did? 
1- I called XXXX XXXX XXXX they inform me that they will sold the loan to XXXX XXXX XXXX XXXX. on XX/XX/XXXX not in XX/XX/XXXX and they collect my payment until XX/XX/XXXX. 
2- I called XXXX XXXX XXXX XXXX. they claim that they own the loan from that date and they able to report me to the credit bureau since XX/XX/XXXX. 

- current situation : 1- two company claim my mortgage 2- because of the big amount reported to the credit report my credit score went down 36 point.

3- I can't take any loan because of the big decrease in my credit score.
Consumer complaint received 2024-04-17
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Recovery Services, Inc. (TX)

The Company : XXXX XXXX XXXX  sold my information to : SOUTHWEST RECOVER SER : XXXX and commit IDENTITY THEFT! They sold my name, private home address, phone number, and social security number! 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I filed an IDENTITYTHEFT.GOV report online and disputing records on XXXX
Consumer complaint received 2024-02-20
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (OR)

This was a long time ago so my memory is sketchy. In 2014, I think, I bought XXXX phones under a 2 year contract from a XXXX store. I made regular payments and finishing the 2 year contract and stopping my automatic payments. XXXX then came back and claimed I owed them another near {$400.00}. I disputed this and asked them over the phone for the original contract document to verify their charge claim. They said they send them. They did not. They continued to contact me with calls and increasing bills up to around {$600.00} after I'd canceled my phone plan with them. I went into their satellite and corporate store to personally ask for the contract documents. They informed me they did not have them there and could not access the digital copy but that they would retrieve them and contact me when they were available. I never heard from them and the bills and calls stopped. At least I think. I do not answer spam and scam call from unknown numbers so I can't be certain they tried to contact me further. Then, XXXX weeks ago I saw an attempt from a collection agency, JEFFERSON CAPITAL SYSTEM, to collect the Sprint charge claim. I tried to contact them but with XXXX callers ahead of me I did not wait the necessary hours to finally, hopefully communicate with a person. If JEFFERSON CAPITAL SYSTEM can produce the original purchase contract and my history of payments with which I can verify I in fact do owe the charges I will make an immediate payment. But I will not be threatened to make payment nor have my reputation and good credit rating XXXX further damaged by money hungry corporate entities. Reputable businesses, no matter how large, must keep and make readily available, accurate transaction records and contract documents or they risk being at fault when filing claims. In this case, and until those documents are produced, I refuse to pay any amount when XXXX, has multiple times agreed to produce them, but never did.
Consumer complaint received 2024-02-08
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. (VA)

Please find attached, my Notice of Dispute and Request for Investigation of Billing ErrorValidation and Verification of Alleged Debt with XXXX. XXXX XXXX XXXX XXXX XXXX dated XX/XX/2024, regarding the Alleged XXXX XXXX XXXX XXXX
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: Experian Information Solutions Inc. (SC)

XX/XX/2022, I have disputed a bankruptcy with XXXX XXXX reporting agencies XXXX, Experian and XXXX. They are reporting an inaccurate bankruptcy in my public records. So I did some investigating and contacted XXXX. XXXX sent me a letter stating the XXXX XXXX reporting agencies reported the address XXXX XXXX XXXX, XXXX, NC XXXX back to XXXX when I disputed this bankruptcy. I ( HIGHLIGHTED ) the sentence of the ATTACHED document. THIS ADDRESS IS NOT ON MY CONSUMER CREDIT REPORT. I also called the three credit agencies and recorded the call. I asked the agents if this address was on my report and the agents said, NO. I REQUEST A REINVESTIGATION. Refer your investigation to the document XXXX sent me as evidence that the address is inaccurate and the bankruptcy must be removed. This clearly is a violation of the FCRA 15 U.S code 1681s-2- Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2023-01-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (OR)

I purchased and financed my home through wells fargo the first time in XXXX. I have refinanced twice with them. Wells Fargo has the wrong address on my mortgage. I have tons of documents and XXXX from the closing process from their lender stating this was taken care of. I started the formal complaint process with them XX/XX/XXXX. My property has XXXX houses on XXXX tax lot. My address ( the main address ) is the one that should be listed on all documents. This is a huge problem when paying taxes and insurance from escrow. 
I have been through over 23 phone calls, 3 executive reviews and many phone calls with the county. 
XXXX, XXXX XXXX land use office said Wells Fargo never asked what address was the correct address for the property. He shared all he had from Wells Fargo 's investigation investigation. He agreed Wells fargo was incorrect. 
XXXX XXXX and XXXX from the XXXX XXXX land development agreed with me that Wells Fargo has it wrong. 
XXXX XXXX assessors and tax office concurred Wells Fargo has it wrong. 
Wells fargo themselves admitted they had it wrong by looking at the documents from the previous two times I have financed this property with them. This a major problem as they are not paying my taxes or insurance properly without my intervention. This resulted in me coming within days of my homeowners policy being cancelled. This will continue to be an ongoing problem as I will have to make sure they pay things to the correct place and account every time. The third and final executive review left me no other recourse but to report them. They have reputedly asked me for proof of address change- There has been no address change in my 20 years of living here. I am beyond disappointed with them.