davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is the third request to Transunion not to report my employment on my credit report. I have not requested, nor do I have a line of credit with my employer. Therefore, it is not necessary for them to be reporting on my credit report or other contracts to have this information.
Consumer complaint received 2018-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

XXXX, Experian, XXXX, XXXX, and XXXX XXXX have refused to remove these credit inquiries from my reports. I did not apply for credit with XXXX or XXXX XXXX as reported on my credit reports. The requests are fraudulent and impacting my credit, making finding housing as aXXXX XXXX    XXXX veteran  very difficult.
Consumer complaint received 2024-02-17
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 believe FCRA 605B says wrong accounts should get removed from credit reports. I'm not sure what's going on, but please check the accounts in the documents. They're not right on my credit report, both the accounts and their status. I'm upset and feeling sick about this, so I need your help.
Consumer complaint received 2021-04-28
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (IL)

Originally, I was pre-approved for a loan of {$120000.00} on a condominium. After submitting 30 documents related to the closing, I was issued a closing date. Rocket Mortgage of Quicken Loans told me that I would have to raise my down payment from 5 to 10 %. I was able to do so. They told me that I would need to purchase a walls in insurance policy for the unit in question ; I purchased it. 

I was put off by days at a time and Quicken ultimately stopped the load due to the " aggregate considerations of the loan ''. Unless I was able to AGAIN, double my down payment, the deal was dead ; the deal was dead. 

Both my primary residence now as well as the property in question are on the south side of XXXX - areas that are predominantly XXXX American. A reasonable person would conclude that because of this factor, Quicken Loans inaccurately evaluated the loan as being high-risk and then killed the deal. This is unacceptable.
Consumer complaint received 2015-12-03
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A. (AZ)

I applied for a credit card online on XXXX XXXX 2015 and within few minutes I got a message on my screen saying my application was approved and I will get the card within 1 week. I did not receive the card till XXXX XXXX and when I called, they said I will receive within 5-7 business days and that too 'after the card is mailed '. So at the very first place they should not have given the statement that I will get the card within a week. 
When I requested them to send it via expedited shipping they refused. 
I waited till XXXX XXXX ( which is after 7 business days ) and then I called them. The executive told me that he will cancel the original and send me a new one via expedited shipping and I will get the card within XXXX hours via XXXX. I waited till XXXX XXXX and did not receive the card. 
I called them up again to get the tracking id of XXXX and now they told me it will take take more 5-7 business days for them to mail the card and then again 5-7 business days for me to get the card. Then I spoke to the executive 's account manager and he said I will get my card in 5-7 business days. 

I had my plans for the card and finally all travel plans ruined, vacation plans go waste and left with nothing but utter frustration. 

To conclude -- they provide incorrect information over internet. 
- customer care executives give wrong information to customers. 
- they do not have a dedicated department to take care of these grievances which canont be taken care by customer care. 
- they do not have the process of sending expedited card to new customers where as other credit card companies do.
Consumer complaint received 2015-05-04
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (NJ)

Experian has improperly shared my information with collection agency law firm not for the purpose of employment or extending credit, I have been previously harassed by this law firm, who manufactured documents for claimed debt, and tried to sue me for debt released by class action lawsuit. Experian have improperly shared my information with at least XXXX such collection agencies who buy debt, refuse to verify it, manufacture documents
Consumer complaint received 2016-11-29
Product: Credit card — 
Issue: Billing disputes — 
Company: Paypal Holdings, Inc (PA)

PayPal opened a credit account without my permission. The charges on the account were paid on a Visa or MC credit card linked to PayPal. I tried to call PayPal to no avail. I wrote letters and sent them copies of the other credit card bills showing the charges there. They removed all charges except {$35.00}, which they insisted I owed, in spite of the proof that it was paid on another account. I have written to the Consumer Advocate for Pennsylvania but PayPal will not relinquish this {$35.00} charge. They have added penalties and now say I owe them {$120.00}! 
I have tried to do everything in good faith but they have continued to harass me, reporting this to XXXX collection agencies. This is honestly not about the money. I am not paying for something I do not legitimately owe. I am XXXX years old and have always paid my bills. I do n't know where else to turn for help.
Consumer complaint received 2015-06-12
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Credit Technologies, Inc. (LA)

Credit Technologies inc improperly an inquiry on to my XXXX and XXXX credit reports without my permission and when I contacted them they could find no record of me. I explained to them it was most likely related to fraudulent activity and want it removed to no avail. some on was trying to obtain credit or a loan.
Consumer complaint received 2015-05-09
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CO)

We received a call from XXXX attempting to collect a debt we do not owe. We looked the number up on the internet and found that numerous other people had the same experience. We found similar reports on XXXX XXXX and XXXX XXXX
Consumer complaint received 2015-09-09
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (IL)

I made XXXX payments on my account in XXXX month XXXX separate dates I go in to the store on Saturday XXXX located in XXXX I proceed to make a purchase and its declined. They declined my purchase because of non payment I made XXXX payments in XXXX month they failed to apply my XXXX payment to the month of XXXX and they charge me a late fee. I was stuck in the store for over XXXX hours and I had a wedding to attend that I missed becomes of this error that was made on account of Macy 's. I should have never been charged a fee then I was forced to make a XXXX payment just for the charge to go thru so in XXXX one month I made XXXX payments on an account that has never been late. I never use the card. I missed my brother wedding because customer service and the credit department where in capable of removing the block off my card. I was penalized for making an extra payment on my account keeping my account in good standing and paying on it early as a result of doing all that I was charged a late fee, my account was placed in internal collections, a block was placed on there as well as I was forced to make a XXXX payment in store so now my personal bank account was negative as well and I missed my brothers wedding because I was in Macy 's over XXXX hours trying to purchase a XXXX for the wedding. The service rep at the counter can vouch for the entire incident I was using the store phone as well as my phone and my wife phone to try to get thru to someone to unblock the card. Macy 's is horrible with posting payments correctly horrible customer service rude and condescending
Consumer complaint received 2015-10-09
Product: Credit card — 
Issue: Delinquent account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capitaol One bank USA shows a 30 day late in XXXX 2014. I show two payments made in XXXX 2014. One on XXXX XXXX, and the other on XXXX 2014. Please advise. Thank you in advance for your cooperation
Consumer complaint received 2015-07-16
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (NC)

The creditor is calling everyone of our family members and friends. We do n't care if they call us, HOWEVER, we will not stand for the harassment of our family and friends. This is to file a major complaint against Springleaf Financial and its collection actions.
Consumer complaint received 2024-02-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 2 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$2100.00}
Consumer complaint received 2022-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I got called this morning from XXXX XXXX XXXX XXXX verifying if I had been in XXXX trying to get a loan. I told the caller I did not and he said that I'm likely the victim of identity theft and that I needed to check my credit reports. 

I've taken steps to freeze and add fraud alerts on both XXXX and Transunion. However, I am unable to create an account on XXXX due to issues with their website. 

I have read that I should also file a complaint with the XXXX as an a XXXX.
Consumer complaint received 2022-09-07
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TRUSTMARK CORPORATION (MS)

Trustmark Bank failed to request the title from Bank XXXX XXXX after entering into the contract on XX/XX/2021 making my payments for more than a year I went to renew my license plate and the tax accessor informed me I could not renew without contacting my lender, I called the bank and was told they had no title and they were investigating the matter, for 5 weeks I've been kept in the dark and accused of being some part of the problem. This transaction, the paperwork and loan signing took 3 days, 3 different loan officers, who I was told " were in training " this file was " misplaced '' twice and the signing was rescheduled XXXX XX/XX/2021 I met with the seller XXXX XXXX, at Trustmark bank where he, XXXX XXXX, gave all the original lenders information, Bank XXXX XXXX, the loan officers name who handled his original sell address and telephone number along with every detail regarding the original loan. Trustmark also has XXXX XXXX contact information as well as mine of course. I have bought multiple vehicles and never have I been responsible for requesting and re titling any vehicle to include the new lien holder information, nor was I asked to this time. But after 28 years doing business with Trustmark and going to the branch monthly for 13 months never being notified of any problem, I am now kept in the dark about anything regarding the issue I've been told that this was my mistake, that XXXX XXXX had the title, this is not true. Bank XXXX XXXX never received the proper paperwork from TRUSTMARK therefore the title was sent to XXXX XXXX 3 months ago. XXXX has had the original title for more than 3 weeks and still the only information I've been given is that this is my fault not Trustmsrks and I will have to wait it out. I am now 5 weeks past my expiration on my license plate. Not to mention I am astonished and completely out of patience with the unprofessional behavior that Trustmark has exhibited not one apology has been offered. I do 0lan to hire an attorney at some point but I refuse to let this behavior go, so that Trustmark can continue to disregard others as tho we're not important unless our account holds XXXX figures.
Consumer complaint received 2017-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: FACTUAL DATA CORP. (MO)

I have several of closely dates hard inquiries from the same company. One authorization while looking for a mortgage rate does not authorize multiple hard inquiries. It seems as if they are malicious after the loan agent stopped contacting me after the pull. Additionally, once I did secure a loan company/agent, this looks to be malicious.
Consumer complaint received 2022-02-18
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: PNC Bank N.A. (PA)

I received a couple pieces of mail, dated from XXXX from PNC Bank stating that there were 3 accounts opened in my name. I spoke to PNC and they closed the accounts but also suggest me to contact the FTC and the credit bureau as someone has my information.
Consumer complaint received 2018-03-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc. (NC)

I have debts reporting from Medical Data systems reporting on my credit reports that are inaccurate, and I need them removed. A debt for {$4200.00} acct # XXXX {$160.00} acct # XXXX {$220.00} acct # XXXX and {$600.00} acct # XXXX. 
Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you allow me to validate the alleged debt. I am aware that there is a debt, but I am unaware of the amount due and your bill does not include a breakdown of any fees. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to [ name of provider ] for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization. 

Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 
Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail. 



Sincerely, XXXX XXXX
Consumer complaint received 2016-09-23
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Deposited on XX/XX/XXXX {$860.00} into Bank Of America checking account. On XX/XX/XXXX a " Preliminary Injunction '' was filed by United States District Judge XXXX XXXX XXXX. A Judgement shall issue a check in the amount of XXXX payable to the " United States Department of Justice. 
1. Filled out a XXXX for California Request ( lien search ) XX/XX/XXXX and submitted that along with a money order to pay for the lien search to the Uniform Commercial Code online portal Office in my state where I 've taken up residency ; 2. Upon receipt of the search results, I found that there were no legitimate liens against me in the public record ( including no legitimate Internal Revenue Service liens ) ; 3.Made a true copy of the search results from the California Uniform Commercial Code office and attached it to a Notice and Demand sent to each of the credit bureaus. 
4 IRS Notice of Lien removed by credit bureaus. 
5.A valid lean by Internal Revenue Service requires a District Court Judge 's Signature, and whereas you are publishing a lien against me, and the attached XXXX shows no valid liens in the public record ; and where as this lien is damaging my reputation without cause, 6.Therefore, you are hereby granted Truth-In-Lending-Regulation Z District Court Judge who authorized the lien you are publishing against me OR to remove the lien from the public records.
Consumer complaint received 2022-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.
Consumer complaint received 2023-06-26
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc (NV)

XXXX XXXX I took a loan from Affirm to buy office equipment from XXXX . After paying off the loan Affirm continuously generates loans of XXXX cents sometimes XXXX cents. The problem is these loans show delinquent sometime 60 days past due. I usually call and they will remove it just to return in a day or two. I have asked them 9 times and now I am tired. This has led to multiple loan denials from Affirm the latest being XX/XX/XXXX XXXX XXXX ticket I purchased from XXXX, it was approved, and was told due to a delinquent account they can not fulfill the order, so I had to pay full cash for the ticket. 
I also receive constant threats of going to destroy my credit if I do not pay up, considering my history with the credit bureau it brings me great XXXX  and sleepless night, and trauma.
Consumer complaint received 2022-02-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

TransUinion is charging for a free service with deceptive practices and needs to be stopped. We have 3 major credit agencies. With Identity theft we have the right to access these systems free of charge!! I never gave permission for any of these companies to even have my information!!! TransUnion hides behind a free credit report and then charges you money!
Consumer complaint received 2022-02-18
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (PA)

On XX/XX/22, my credit score suddenly dropped XXXX points, going from XXXX ( Very Good ) to XXXX ( Good ) ; however, there is no reason for the drop. I called Experian, but their system won't allow you to talk to anyone. I filled out an online case form, but they have not responded even though they pledge to do so in 24 hours. 

I'm being harmed for no apparent reason and can't get any information from them. Please advise on how I should proceed.
Consumer complaint received 2015-04-10
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: CITIBANK, N.A. (PA)

This company has called my family and I about a payday loan. They have used profanity and threatened to take money from us. They even called my sister and harassed her and told her info about herself that they were never given by my sister. They call from various numbers all day every day. They tell us they are gon na have papers delivered to our place of employment or residence. We have received nothing in writing to this affect. The original copy has sold my information to various other companies and now all of them are trying to scam my family and I.
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

As of XX/XX/XXXX, XXXX reported my credit card 60 days past due. I paid the amount owed back in XXXX leaving the account with a XXXX balance. i paid it with my debit card and my bank statements can prove the transaction was successful. Additionally, XXXX has the account as paid with a XXXX balance in their system when i contacted them. They said the collection department reported the wrong balance in error. I have an internal dispute filled within XXXX to clear up the 30 days late. Now they reported my account 60 days late for a balance of XXXX that I paid on XX/XX/XXXX ( XXXX dollars ) and XX/XX/2024 ( XXXX ). This account has never been late. This needs to be corrected asap. 60 days late is killing me. see proof attached. Thank you.
Consumer complaint received 2022-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose