davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-23
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. (MD)

I just went to both XXXX and Transunion 's Websites to dispute the fraudulent account that was just placed on my credit report ( s ) by XXXX for an account that has been disputed multiple times in the past and removed, but apparently the originator has once again sold it to a different collection agency instead of removing it completely because it is fraud. This time I am also going to file a complaint with the MD   Attorney General 's Office of Consumer Protection. 

XXXX and Transunion, first please get your XXXX to fix your websites, so that, in the age of covid-19, people can file disputes online vs getting an error message to call a customer service number that is likely overwhelmed by lack of staff support. 

Second, the XXXX account is the account, as said above, that I have disputed multiple times and it was removed from my credit reports because it is fraud. Please remove the fraudulent account from my reports immediately. 

Stay safe.
Consumer complaint received 2023-03-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

XXXX has put my account under review as per them I do not qualify for their account because I dont keep the balance of XXXX monthly limit. I tried closing my account they dont let me its still under review. They are holding my only source of income which is social security Benefits. I tried explaining to them that Im in need of my funds they telling me theres nothing they could do til the review its complete. But its been a month now and no update. Im in desperate need of my funds.
Consumer complaint received 2017-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (MI)

On Thursday, XXXX XXXX, 2017 I was reviewing my Experian Credit Report online and wanted to add a 100 word consumer statement. I have added and changed a 100 word statement to my XXXX XXXX credit report. However, after much searching, I could not find a place to add that statement. So I called Experian twice and the first level person on both calls had no idea what I was talking about and on the 2nd call the 2nd level person had no idea what I was talking about ; so I told him I was going to make a formal complaint to the CFPB.
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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. (TX)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2020-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

i sent XXXX XXXX, Transunion a certified letter for a dispute into a few accounts that are on my credit profile falsely, including a bankruptcy that is not mine! XXXX deleted all these accounts and sent me notifications that they did so. but XXXX, and transunion credit bureaus say they confirmed and verified that the information was accurate. I then sent another letter that i disagreed and to please re investigate, They failed to respond to that letter so 46 days later i sent my third letter asking to please send me information on how they verified and who they verified with. still no response from them and this is not ok as of now its hurting my character as a borrower.
Consumer complaint received 2020-07-23
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: EQUIFAX, INC. (MD)

I just went to both Equifax and XXXX XXXX Websites to dispute the fraudulent account that was just placed on my credit report ( s ) by XXXX for an account that has been disputed multiple times in the past and removed, but apparently the originator has once again sold it to a different collection agency instead of removing it completely because it is fraud. This time I am also going to file a complaint with the MD   Attorney General 's Office of Consumer Protection. 

Equifax and XXXX, first please get your XXXX to fix your websites, so that, in the age of covid-19, people can file disputes online vs getting an error message to call a customer service number that is likely overwhelmed by lack of staff support. 

Second, the XXXX account is the account, as said above, that I have disputed multiple times and it was removed from my credit reports because it is fraud. Please remove the fraudulent account from my reports immediately. 

Stay safe.
Consumer complaint received 2021-10-10
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CURO Intermediate Holdings (CA)

Speedy Cash loan is reporting as a collection in my XXXX when the account was already paid off and closed. It even shows I dont owe anything yet still reporting on my XXXX as a negative item In my collections please help. The account is still showing its opened when that is inaccurate
Consumer complaint received 2020-07-22
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: EQUIFAX, INC. (CA)

I'm simply wondering how long its going to be before the credit bureaus remove accounts from my credit report which are 7 years old. Even more so because I disputed the accounts with them and its been 41 days without a response from any of the three bureaus. I even sent them a copy of my social security card and my license to tell them who I am because my name is common. 

These collections are really hurting my credit and I need them gone because they shouldn't be on there anymore.
Consumer complaint received 2020-08-31
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Upstart Holdings, Inc. (TX)

I have been struggling to make payments on my Upstart personal loan since the beginning of the COVID 19 pandemic. I believed I was in a forbearance plan but my account is still being reported as past due. I have submitted a hardship assistance form twice on the Upstart website and made a call on XXXX XXXX to inquire on the hardship request and have received no response to any of my communications. I have made many good faith efforts to get my account back on track but have received no assistance.
Consumer complaint received 2020-07-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I'm simply wondering how long its going to be before the credit bureaus remove accounts from my credit report which are 7 years old. Even more so because I disputed the accounts with them and its been 41 days without a response from any of the three bureaus. I even sent them a copy of my social security card and my license to tell them who I am because my name is common. 

These collections are really hurting my credit and I need them gone because they shouldn't be on there anymore.
Consumer complaint received 2020-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Lending Club Corp (FL)

On XX/XX/XXXX I applied to borrow XXXX from Lending Club. I had previously had a loan from them that was paid in full ( early ) and always on time. 

My credit scores are XXXX, XXXX, and XXXX. Their Adverse Action letter stated my score was XXXX. They never ran a check as far as I could tell from my credit bureau report. 

My total credit card debit is less than XXXX. 
I owe less than XXXX for my car I own my home free and clear and it is valued at nearly XXXX My bills are paid on time. The only negative thing was a foreclosure in XXXX due to a divorce. That negative will come off my report in XXXX, Otherwise my credit is excellent! 

In the application they asked my DOB - I am XXXX yrs old, and divorced. I believe I was denied this loan because of my age. I can see no other reason since nothing other than my address changed since the last loan.
Consumer complaint received 2020-10-20
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Lost or stolen check — 
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/2020 I did an online deposit of 4 checks into my checking account at Chase bank. The next day on XX/XX/XXXX my account got closed and Chase refused to tell me why the account was closed and how, but they did say that I would be receiving the funds that I deposited in the mail in a cashiers check in 7-10 business days. I waited until 11 business days and then I called back to check the status of those checks and they told me to wait another 7-10 business days so I did, and I still did not receive anything. I called again and they said that I could deposit the old checks into my new bank  account. I tried that on XX/XX/XXXX, and the check bounced on XX/XX/XXXX, and I had to pay a {$10.00} fee because of the bounced checks. After this I called again and Chase told me that this was a fault on their end and they had the cashiers checks there waiting to be mailed out. The lady I spoke with guaranteed that I would be receiving  the checks by XX/XX/XXXX the latest. I waited until then and I still have not received my money. I called back again, and Chase stated that they sent my checks back to the maker on XX/XX/XXXX, so I called my job, and they told me to get a note or some type of verification from Chase stating that my money was sent back, and Chase refused to send me a verification of my money being sent back. Chase bank has refused to give me my hard earned money, and they even refused to confirm that the checks were truly sent back to their makers. I have tried everything, and I have been more than patient. I have financial obligations that my money is designated towards, and if I do not receive my money back from Chase I will get a lawyer and take this to the media.
Consumer complaint received 2022-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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
Consumer complaint received 2021-04-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY (NY)

I just got in the mail checks from TD bank and I have never opened an account with them. The name and address on the account is me, but the phone number is one I've never seen. I've been trying to get through to TD bank but their customer service requires me to have an account to talk to them.
Consumer complaint received 2021-11-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I went to the Bank of America XXXX, NJ branch because I needed blank checks. 

I was shocked when the teller said that the Bank of America does not provide them. 

This was repeated by the branch manager. 

I was never told why not! 

The branch manager accused me of being negligent in not having my own checks. She failed to appreciate these possibilities : 1. Unexpected bills 2. Damaged checks 3. Need to write another check 4. Lost checks NO! She was adamant but said that as " an exception '' she would allow two free bank checks. But I said that I did not yet know to whom I was going to write my checks. She said come back with the information, forcing me travel miles home! OUTRAGEOUS INCONSIDERATION AND INSENSITIVITY! I am a senior citizens of advancing years with very serious medical problems indeed! 

I told her I would have to close my Bank of America accounts. She expressed no concern at all, no caring at all! It was it seemed to be just good riddance! 

This is how a bank treats it customers? 

Besides, the branch manager did not social distance despite my request and finally she did move back some feet! 

Nor were the various identification devices clean! Only once a day in the morning! How wrong as it is apparent the Bank of America has no idea there is the deadly and highly infectious novel coronavirus! 

And then there is this : The Bank of America dawdles with complaints I have failed. Never has an immediate answer! That is perhaps because the Bank of America thinks these matters are rocket science! 

And the CFPB is toothless and I say this with all due respect!
Consumer complaint received 2022-11-16
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. (NJ)

When i moved out of state for a few months during the move i lost all my paper work and really did not knowing anything about credit. Ive been learning and educating myself on credit and when i tried to purchase a car one day they told me i had a loan open already in my name which i did not and i guess someone used my identity to obtain a car loan in my name from XXXX XXXX Car Loan. I did not authorize this or have any knowledge about it. 

The car loan that is on my account does not belong to me from XXXX XXXX car loan for {$26000.00}. I discovered it on XX/XX/XXXX and It was opened XX/XX/XXXX
Consumer complaint received 2020-11-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (NY)

I Received a loan through SBA And used the wrong account. Chase is holding my funds because is a personal account thats is closed now. The amount chase is holding is XXXX. 

This has been a issued since XXXX XXXX I need my money to go to my business account
Consumer complaint received 2024-02-24
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. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2020-12-09
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. (GA)

I contacted XXXX XXXX XXXX  ( XXXX ) via email with a Goodwill letter to see if they could adjust the late payments reporting on my student loan accounts with them. The alleged late payments came from periods that my forbearance supposedly covered. The rep said no because the information was accurate. XXXX is not complying with their policy that states any backdated, granted forbearance covers late payments if any shall be a result of it. They brought my account to current but failed to address and remove the late payments that occurred from XXXX XXXX XX/XX/2019 on the student loan accounts. AES is reporting inaccurate information ( late payments ) on my consumer reports with Equifax, XXXX, and XXXX.
Consumer complaint received 2022-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

The loan with XXXX was paid on XXXX, however it continued to be reported that I had 2 auto loans out at that time. My FICO score was well over XXXX prior to getting the new loan. My score is in the mid XXXX now! Apparently the other two credit bureaus have NO SCORE for me according to your site that I was just on? 
What in the world is going on?? I can not even attempt to purchase anything with this XXXX  score!! 
Do the 3 bureaus share information?

Please help!! Thank You
Consumer complaint received 2020-07-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HCFS Healthcare Financial Services of TeamHealth (OK)

i paid with from my tax return of 2017 i mailed in a check and it was deducted from my account. its very unfortunate to just find out recently that it was still on my credit i am really devastated to this and that is why i am disputing this.
Consumer complaint received 2020-07-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (GA)

My spouse and I are XXXX and he is a veteran. We received a check for {$500.00} from our grandmother on Monday and I e-deposited it into our joint account and was able to withdraw almost half upon deposit and the other half the following day but the funds were not showing until early the following morning. I needed to pay a mechanic for work done on our only vehicle and purchase some medications and discovered that the entire account had been transferred out to an undisclosed account. I called Navy Federal Credit Union immediately and it took almost 20 minutes before I was told that Navy Federal Credit Union had taken all the funds to cover an old charged off credit card my spouse had with them and when he became ill with a rare XXXX  was unable to continue to pay them. The gave us no warning whatsoever of their intentions and it is especially hard given this time in the Pandemic we are struggling. Also the check was sent to me and I deposited it into a joint account. Are they legally able to take my money even though the old debt was not mine?
Consumer complaint received 2020-07-22
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)

In XX/XX/2017, I opened a secured credit card with XXXX  for the amount of {$200.00}. Shortly after the account was closed. I do not understand why XXXX continues to show a balance on my credit report for {$250.00}. I've disputed this account numerous times with all agencies. They are suppose to take the secured funds to pay off the balance, but as my credit report shows it looks like this hasn't been done and the amount showing is more than the secured amount.
Consumer complaint received 2022-04-26
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. (CA)

The loan with XXXX was paid on XXXX, however it continued to be reported that I had 2 auto loans out at that time. My FICO score was well over XXXX prior to getting the new loan. My score is in the mid XXXX now! Apparently the other two credit bureaus have NO SCORE for me according to your site that I was just on? 
What in the world is going on?? I can not even attempt to purchase anything with this XXXX  score!! 
Do the 3 bureaus share information?

Please help!! Thank You
Consumer complaint received 2021-04-08
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)

XXXX has confirmed payments on acccount ending in XXXX, as a one time debt account ending in XXXX which does not belong to me on XX/XX/XXXX. Before that in XX/XX/XXXX chase said payments were being made from a checking account ending in XXXX which also doesnt belong to me. I have never been associated with the XXXX XXXX XXXX XXXX, CA. XXXX.
Consumer complaint received 2021-04-08
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: Early Warning Services, LLC (IL)

Early warning XXXX refuses to send me my consumer reportI was. I was lied to multiple times by multiple representatives. I will never call that place again because I do not feel comfortable giving my personal information to proven Liars. Two Representatives refused to get a supervisor. they refused to contact the department where I sent the faxes. they sent me a letter claiming that the id copy was smudged and that I should call them or resend the fax. 
This is more of an inconvenience and insult because they clearly saw the attachments that I provided with my first cfpb complaint # XXXX where My identification was clear. 
I faxed them yesterday a request for them to send me my Consumer Report. They have had the attachment of my identification for a week yet they still refuse to send me my consumer report. again, I do not feel comfortable calling them or faxing them anything else regarding me because I was lied to and I can prove it. they should send me my Consumer Report because they clearly see my identification and I will attach it to this complaint.