davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am writing to file a formal complaint against TransUnion regarding their failure to address inaccuracies in my credit report despite my efforts to rectify the situation. 

On XX/XX/2023, I mailed a dispute letter to TransUnion requesting an investigation into the following inaccurate items on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. As well as inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

In addition, I disputed incorrect personal information listed on my credit report. 

I made sure to include a copy of my photo ID, social security card, and recent bill with my current address to help TransUnion verify my identity and address. 

I received a response back from TransUnion dated XX/XX/2023 stating the following : We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. According to the FCRA, if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 

Despite providing detailed information and evidence to support my claims, TransUnion has not taken appropriate action to investigate or correct these inaccuracies. These errors are significantly affecting my creditworthiness and causing undue financial distress. 

It appears that TransUnion has violated my consumer rights by not conducting a reasonable investigation upon receipt of my dispute, which they are required to do in accordance with the Fair Credit Reporting Act.

I am including a copy of my dispute letter sent to TransUnion, along with TransUnions response as proof. I am now demanding TransUnion immediately and permanently remove the disputed items from my credit report.
Consumer complaint received 2021-02-08
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Associated Credit Services, Inc. (CA)

I feel that they gave me a bad experience and probably lied to me by ... 

Saying that paid in full would do me more good than settle than less than full balance would be more beneficial on my credit report and would increase my points higher, I could say that Im most likely sure that that was a lie. 

Assumed that I did not have money and made me feel bad about it by saying that I should not schedule a payment if I'm not going to afford it, Also at the beginning of the call he said that next time that I call he would not give me the same offer because it was just for today XX/XX/2021 and then he tried telling me that it was better to wait to think about it and then call back whenever I had money next week ( in other words trying to make me lose the settlement and trying to charge me more next time that I call ) but I let him know that I noticed that and then after him promising settlement offer until the XXXX he decided to change it to the XXXX of the month leaving me with less time to come up with the funds for the settlement. 

He also tried to force me in to a payment arrangement of the original balance even though I told him plenty of times that I was not able to come up with that much money because of my situation that I also let him know and the previous collector that, Also I fell that he lied about not being able to see the previous collector notes because later on the call he stared to say that he was reading lasts offers on the notes. 

I also tried to be reasonable and think that there was just confusions between me and the collector but as the call continued I knew that it was not a confusion and the collector most likely had no good intentions at helping me like he said.
Consumer complaint received 2017-09-09
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. (NV)

My credit report and personal information has been compromised by Equifax. Equifax has reported that they have been hacked and millions of peoples personal information has been stolen. They state so through https : //www.equifaxsecurity2017.com/potential-impact/. I have inquired about my personal impact and it states my information may have been stolen. 

This is completely unacceptable for one of the 3 major credit reporting agencies to have such mediocre cybersecuirty and have my personal information stolen. Equifax is irresponsible in handling my sensitive data and the measures they are taking to help people impacted is poor to say the least. They are providing only 1 year of free credit monitoring services, and you have to agree to waive the right to sue them for their credit monitoring services. That is such an evil business tactic for them to cover themselves by forcing you to agree to such a waiver. 

Equifax released an explanation of this waiver saying arbitration clause and class action wavier included in the TrustedID Premier Terms of Use applies to the free credit file monitoring and identity theft protection products, and not the cybersecurity incident. That does not acceptable whatsoever either. I am not going to waive my right for legal action if the credit monitoring and identity theft protection is compromised as well.
Consumer complaint received 2024-02-20
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 am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-10-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP (IL)

I'm filling a complaint against U.S bank for causing errors to my account and leaving my account in the negative for not filling my disputes correctly and using a excuse they need extra information when in effect I gave them all the correct information to put in the system but they refuse to take down the information I give them and put it in the system probably the most terrible customer service I have come across in my life with that being said I would like a full credit back into my account of {$67.00} due to lack of customer service skills and errors of U.S bank
Consumer complaint received 2018-01-12
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

Today, XX/XX/XXXX, I check my XXXX XXXX account to see that the items that I did not authorize has not been removed from my credit reports ( XXXX, XXXX and Experian ) after taking the necessary precautions to deleting the unauthorized the accounts. I found out that these accounts were placed unauthorized by my ex husband after our divorce in XXXX i have been trying to remove these accounts since on or about XX/XX/XXXX. I disputed the items by phone and by certified mail. Each time they would send me a automatic letter stating that the items were verified but nothing was given to me in writing of proving that these accounts were mine. Once I notified them of this I was notified to get a police report stating my identity theft from my ex husband placing these accounts in my name. I went to my local police department and retrieved a police report. At the time it was a summary. I submitted the police report back to XXXX, Experian and XXXX along with my certified letter to remove these items and notifying them that I did not authorize these items. In XX/XX/XXXX I called the credit bureaus to once again notify them that I did not authorize these accounts due to my ex husband and the lady told me that I had the wrong police report that I had to get a full police report and once they receive that then the following accounts would be removed because I took the necessary steps to remove these accounts. In XX/XX/XXXX I went to the police department to receive the full police report and on XX/XX/XXXX I faxed my certified letter along with my full police report to XXXX, Experian and XXXX. The following accounts that are unauthorized and are charge off accounts are : XXXX XXXX XXXX for the amount of {$23000.00}, XXXX XXXX XXXX for the amount of {$9600.00}, XXXX XXXX for the amount of {$5100.00}, XXXX XXXX for the amount of {$4900.00}, XXXX XXXX XXXX for the amount of {$2500.00}
Consumer complaint received 2017-12-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (PA)

On XXXX XXXX, 2017 XXXX opened up an account for me for XXXX dollars. I believe this is an error because I never opened up an account with XXXX. I would like for this account to be removed because its making a negative impact on my credit.
Consumer complaint received 2022-04-01
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: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act XXXX 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 a 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
Consumer complaint received 2018-01-12
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Today, XX/XX/XXXX, I check my XXXX XXXX account to see that the items that I did not authorize has not been removed from my credit reports ( XXXX, Transunion and XXXX ) after taking the necessary precautions to deleting the unauthorized the accounts. I found out that these accounts were placed unauthorized by my ex husband after our divorce in XX/XX/XXXX. i have been trying to remove these accounts since on or about XX/XX/XXXX. I disputed the items by phone and by certified mail. Each time they would send me a automatic letter stating that the items were verified but nothing was given to me in writing of proving that these accounts were mine. Once I notified them of this I was notified to get a police report stating my identity theft from my ex husband placing these accounts in my name. I went to my local police department and retrieved a police report. At the time it was a summary. I submitted the police report back to XXXX, XXXX and Transunion along with my certified letter to remove these items and notifying them that I did not authorize these items. In XX/XX/XXXX I called the credit bureaus to once again notify them that I did not authorize these accounts due to my ex husband and the lady told me that I had the wrong police report that I had to get a full police report and once they receive that then the following accounts would be removed because I took the necessary steps to remove these accounts. In XX/XX/XXXX I went to the police department to receive the full police report and on XX/XX/XXXX I faxed my certified letter along with my full police report to XXXX, XXXX and Transunion. The following accounts that are unauthorized and are charge off accounts are : XXXX XXXX XXXX for the amount of {$23000.00}, XXXX XXXX XXXX for the amount of {$9600.00}, XXXX XXXX for the amount of {$5100.00}, XXXX XXXX for the amount of {$4900.00}, XXXX XXXX XXXX for the amount of {$2500.00}
Consumer complaint received 2022-10-05
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (PA)

Ive submitted multiple disputed to XXXX, Equifax and XXXX to remove several items from my consumer report and they are refusing to abide by my federal protected rights. Ive called XXXX multiple times they said they could not remove the security freeze they have violated 15 USC 1681i ( 5 ) ( A ) ( i ) if 30 days past and information isn't verified it must be removed -Sent dispute letters XXXX XXXX and still have errors on my report 15 USC 1666b late payments from open ended credit plans cant be reported -Dispute was to remove the late payment which wasn't late but still have not fixed it 15 USC 1681 ( B ) must have written permission to furnish on my behalf -Reported multiple items without written request from me 15 USC 1692k ( a ) ( 1 ) allows for any action of damages -Have n't been able to purchase a house due to error on my consumer report 15 USC 1681 ( a ) ( 4 ) right to privacy -Did not give consent to repost items to consumer report 15 USC 1681 ( b ) must follow reasonable procedures -Sent out unfreeze letter to XXXX  multiple times and still wont unfreeze my account 15 USC 1681a ( 2 ) ( B ) if transaction authorized by social it can not be reported -Items was reported that i used my social to obtain 15 U.S.C 1681n ( a ) ( 1 ) ( A ) failure to comply will result in 1000 for each violation
Consumer complaint received 2022-09-11
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: Experian Information Solutions Inc. (MD)

In accordance with the Fair Credit Reporting account XXXX # XXXX, XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX  XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX BANK account 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 a account without my written instructions
Consumer complaint received 2018-01-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Total Card, Inc. (CA)

I got a credit card from XXXX and I dont want it. I have tried to cancel. You are on hold and no one ever picks up. I did not use the card and I dont want to be charged for the processing fee. Help
Consumer complaint received 2024-02-20
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. (NJ)

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, XXXX Credit Bureaus must update the following accounts from my file.
Consumer complaint received 2018-01-12
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. (PA)

XXXX XXXX I return the jewelry to XXXX XXXX within the time under the return policy. I call Citi Bank at the time they told me they was working on the issue. I was later put off time after time. No return call some one always going to get back to me. Wrote Citi Bank disputing the issue and had all rights to cancel the agreement. Citibank let the time run out and then call me after the fact. I had talk to them several times. 

Citi Bank does not do what they say its just the run around.
Consumer complaint received 2018-01-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A. (PA)

Citibank I disputed this account about charges that they told me they was going to look into. I call time after time and they told me some one would get back with me. 
I wrote and disputed this account with 3 letters before it was turn over to collection and disputed it with no follow up on there part and mailed 2 letters disputing the account. And was talk to crazy on the phone and threating me to pay them XXXX XXXX. 
I 'm also being talking to some one of my legal rights rather to sue and show documents to the account or resolve it.
Consumer complaint received 2018-12-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

Back on XX/XX/2018 two fraudulant charges where placed under my XXXX account 1 ) {$330.00} 2 ) {$370.00} For items i never purchased, received or have proof of even ordering. 
XXXX is claiming that because it was done online and have since closed my online accounts ( to prevent further theft ) they have no history of anything and that I must have made the purchases bc there is no way to check. 
My bank HSBC will not refund me the money because XXXX is saying that i have made previous purchases so therefore, i pre-authorized any charges on my account.
Consumer complaint received 2021-07-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Consumer Adjustment Company Incorporated (OH)

Consumer Adjustment Company showed up on my credit report out of nowhere. Ive not received any communication in regards to a debt they are claiming I owe on act # XXXX with XXXX XXXX  XXXX XXXX I have no knowledge of this debt and I have the right to request for this debt to be validated. Until this company can validate this debt, and provide at least 30 days for me to dispute it needs to be removed from my credit report immediately.
Consumer complaint received 2018-01-12
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: COAST PROFESSIONAL INC (TX)

I am in the rehab program with Coast professional. I just completed a rehab program with XXXX who took out payments via ACH. Coast however was drafting payments off my debit card. A couple months ago I replaced the lost debit card causing me to miss two payments within the rehab program barely catching it before 90 days. I had the money in there but received no call, email, or letter letting me know a payment was missed. Apparently they did not have my apartment number on file. 

I suppose I should be grateful that I was allowed to make a payment and continue the program. They told me that if I had not called within the next 3 days I would of had to restart the whole program from scratch and lose all my payments. I had made 4 payments before this happened, however they said because I missed two payments they were taking two payments away. So the payment that should have been my fifth was counted as my third. Essentially they pocketed a little under {$400.00} ( 2 payments ) of my money and extended out the length of the program a couple of months.

This just does n't make sense to me. Especially since I made two payments at once to get through the program faster and you are allowed to miss one payment during the program.
Consumer complaint received 2017-12-12
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. (LA)

I have literally disputed items with experian and never got any results!!! They have damaged my future. These accounts are not mines. The company didnt invistegated my claims properly. Ive asked for proof, they sent me an updated credit report nothing validated with my signature or drivers license!!! They are reporting old accounts as open!!! Per FCRA you can not re age a old debt!!!
Consumer complaint received 2020-04-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BARCLAYS BANK DELAWARE (NC)

I am trying to transfer my fiance 's credit card balances to my credit card. His bank is Barclays. We need his account number to proceed. We no longer have the cards ( they were locked when he underwent XXXX XXXX and was no longer able to pay regularly ), so we don't have the account number. 

I called their customer service number last week and waited on hold for over 2.5 hours before giving up. I called again this morning promptly at XXXX, got disconnected after about half an hour, and am currently on hold going on 1.5 hours. 

I also contacted them via XXXX, and nothing. 

It seems unfair that they can prevent me from getting the info I need to transfer the balance, and then continue to charge me interest and fees.
Consumer complaint received 2022-09-11
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. (MD)

In accordance with the Fair Credit Reporting account XXXX # XXXX, XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX  XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX BANK account 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 a account without my written instructions
Consumer complaint received 2018-01-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (PA)

XXXX I disputed this account about charges that they told me they was going to look into. I call time after time and they told me some one would get back with me. 
I wrote and disputed this account with 3 letters before it was turn over to collection and disputed it with no follow up on there part and mailed 2 letters disputing the account. And was talk to crazy on the phone and threating me to pay them XXXX XXXX. 
I 'm also being talking to some one of my legal rights rather to sue and show documents to the account or resolve it.