davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-21
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. (SC)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2020-07-10
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. (GA)

I was a victim of Identity Theft, I submitted an ID THEFT AFFIDAVIT and POLICE REPORT in regards to the fraudulent accounts that have been listed in my name ... per Section XXXX, these accounts should BE blocked and or removed during the investigation process, yet all 3 bureaus continue to report these items furthering the damage already done to my financial future.
Consumer complaint received 2020-07-01
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. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX   XXXX {$4700.00} XXXX   XXXX {$11000.00} XXXX XXXX XXXX {$130.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$1000.00} DPT ED/XXXX XXXXXXXX {$6000.00}
Consumer complaint received 2020-01-20
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. (VA)

Attempts to establish an online account with Equifax for the purpose of obtaining my credit report and managing the freeze on access to my credit file have failed because Equifax claims my actual date of birth conflicts with the date of birth provided by a creditor ( which they refuse to identify ). My credit file has been in existence since the 1970s. I have no control over typos that may have been committed by someone employed by one of my creditors or by someone at Equifax. Interestingly, Equifax accepts inaccurate data provided about me by creditors but refuses to accept data about me directly from me DESPITE having verified my identity sufficiently to take other actions regarding my credit file at my request. When my wife and I finally got transferred from an XXXX call center to a U.S. ( allegedly ) Equifax supervisor on the phone, she casually hung up on us mid-sentence. Of course, Equifax staff is at liberty to treat consumers with disrespect and contempt as we have no way to opt out of this system. We contacted Equifax via XXXX XXXX, and were told to expect a call from someone within 48 hours. I guess we're supposed to sit by the phone for the next two days? Additionally, it appears that some creditors have misspelled our surname when reporting to Equifax regarding my wife, so she has several aliases that were invented and submitted by creditors on her credit report which she is also unable to have corrected without mailing sensitive personal data to these XXXX. This is absurd! Equifax should have been forced out of business after the data breach. Instead, they have been permitted to capitalize on their incompetence.
Consumer complaint received 2021-03-01
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NJ)

XXXX XXXX XXXX XXXX has provided several points of false information. They state that they attempted to reach me via ( XXXX ) XXXX, which I know is blatantly untrue because they had the incorrect phone number on file until I was the one that called them to update to this number during a phone call to them that occurred on XX/XX/2020. I ask that XXXX XXXX XXXX XXXX provide proof that they made these phone calls in which I never received. 

They also state that they attempted to reach me via ( XXXX ) XXXX, which is not, and has never been, a phone number that I or my co-signer own. 

They also state that emails were sent to XXXX between the dates of XX/XX/XXXX and XX/XX/2020, but this never occurred. I ask that XXXX XXXX XXXX XXXX provide proof that they sent these emails in which I never received.
Consumer complaint received 2021-03-01
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX XXXX XXXX XXXX has provided several points of false information. They state that they attempted to reach me via ( XXXX ) XXXX, which I know is blatantly untrue because they had the incorrect phone number on file until I was the one that called them to update to this number during a phone call to them that occurred on XX/XX/2020. I ask that XXXX XXXX XXXX XXXX provide proof that they made these phone calls in which I never received. 

They also state that they attempted to reach me via ( XXXX ) XXXX, which is not, and has never been, a phone number that I or my co-signer own. 

They also state that emails were sent to XXXX between the dates of XX/XX/XXXX and XX/XX/2020, but this never occurred. I ask that XXXX XXXX XXXX XXXX provide proof that they sent these emails in which I never received.
Consumer complaint received 2024-02-21
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. (GA)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account Name : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2021-11-05
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HEAD MERCANTILE CO., INC. (MS)

this is my 2nd request to Head Mercantile Co, Inc dba SOS GROUP about some alleged debts of XXXX ; XXXX and XXXX that i don't owe.I sent my first request on XX/XX/2021 which they didn't respond, and now i'm sending my last request on XX/XX/2021 before i turn this matter over to my attorney to sue.they have violated 15 USC 1692 ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.
Consumer complaint received 2021-03-01
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (FL)

In early XXXX Rocket Mortgage called me suggesting I refinance. They promised on several occasions the closing cost would be below {$2300.00} and promised it be between $ 1400-1700. They promised the mortgage would be between {$1200.00} and {$1300.00} a month. They promised the interest rate would be 2.25 % XXXX XXXX XXXX XXXX  mortgage banker promised all these things several occasions throughout XXXX and XXXX. Then THE DAY BEFORE CLOSE they raised the closing costs from approximately {$1700.00} to {$2900.00}. A near {$1100.00} difference on the day of. So I refused and told them to get it back to the agreed upon amount. 

The did. And we agreed to close on XX/XX/XXXX. On XX/XX/XXXX I tested positive for covid. I asked SEVERAL TIMES on the phone if we can postpone 1 month. THEY PROMISED each and every time I called while sick my loan wouldnt close and IF IT DID I would easily be able to reapply and GET THE SAME RATES!!!! They lied on several phone calls between several people and specifically by text by XXXX XXXX the entirety of XXXX and XXXX. 

I got better and called XX/XX/26 to reschedule the close. They called me back XXXX to tell me they closed the loan application. Told me it was 100 % federal government regulations fault. And then proceeded to tell me in the last 5 days the interest rate sky rocketed and if I wanted to get the mortgage rate I wanted, I would have to pay well over {$13000.00} They lied an incredulous amount of times. They stalled. They changed the prices. I want what was promised
Consumer complaint received 2020-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Mr. XXXX XXXX SSN # : XXXX To Whom It May Concern : Hi I have been customer since XX/XX/XXXX and during this time I have enjoyed my experience with XXXX XXXX. I am writing to see if you would be willing to make a GOODWILL adjustment to your reporting to the three credit agencies. I have a late payment on the above referenced account from XXXX of XXXX. Because of my previous payment history never exceeding 30 days I would REALLY like for you to consider removing the negative payment from my credit report. At the time of the late payment, I scheduled a payment of {$210.00} and at that point something happened on the back end system that did not allow my payment to fully process. IT WAS COMPLETELY OUT OF MY CONTROL. I say that to show that the late payment is not an accurate indicator of my actual credit worthiness. I hope that you are willing to work with me on erasing this mark from my credit reports. It it greatly affecting me and my new family from getting a car and getting accepted to a new apartment. Three dealers and 2 landlords have already denied me for having a late payment within this calendar year. 
I have been a very happy customer in the past and hope to continue a long relationship with XXXX. With todays credit industry being so competitive, I know how important it is to maintain good relationships with customers. You guys has been exceptional in my book so far and I hope that you will deeply consider my request!!! I have attached a screen shot of my scheduled payment and an attachment of my bank statement for that month showing the something went wrong and my payment was never taken out. The bank account came back unable to locate but my bank statement for that month prove otherwise. 
Sincerely, XXXX XXXX
Consumer complaint received 2022-04-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: R & B Corporation of Virginia (VA)

Original creditor, XXXX XXXX XXXX XXXX is paid in full, Credit Control Corporation, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX, is fraudulently stating an account status and inaccurate amount owed.
Consumer complaint received 2020-07-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (IL)

I tried to access my PNC account on XXXX and here is the notification I received : " PNC has made a change that prevents you from being able to link your account. '' I need to put down a down payment on a vehicle I purchased and I won't be able to do that unless I'm able to have this problem resolved.
Consumer complaint received 2020-07-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/2020, I attempted to check my bank account balance with Bank of America. I received an error, telling me that I did not have access to the account. Since it was the weekend, I could not get any help. I called on Monday, XX/XX/2020, and after being on hold for 2 hours, spoke to a man in the " Risk Closures '' department, who told me that my bank account had an " 888 hold '' and was being closed by the bank. I recieved no notice, or warning of any kind. He said that my funds would be mailed to me, after a review of my account. I told him that they have all the money to my name, and I needed to pay rent in 2 days. I'm a single mom with XXXX teenage sons- and we need groceries!! He stated that he would request that my funds be released to a local branch instead, and to call back on XX/XX/2020. I called on XX/XX/2020, just to check the status, as the man from the previous day said I could, but there was no change. I called on XX/XX/2020 and was told by a woman that a check would be cut the next day ( XX/XX/2020 ). I asked to speak to her supervisor, and was given XXXX. She said she would request that my funds be released to a local branch instead of the check, as I can not wait 10 days to get my money. At this point, my funds should be around {$5000.00}. I was also told that items would clear my account, yet I have received 6 emails from XXXX, telling me that my bank account is being declined. I never even had any warning, and I am at a loss - I can't live without access to any of my money!
Consumer complaint received 2024-02-21
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. (FL)

XXXX and transunion and XXXX are now in violation U.S. Code 1028A - Aggravated identity theft U.S For not sending me Method of verification for account below that were disputed I was supposed to get documents of how credit bureaus have intimated disputes along with all procedures and findings of the investigation within 15 days of receipt Sent my address on file XXXX. XXXX XXXX # XXXX XXXX. XXXX XXXXXXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Are all accounts that need to be removed off consumer file XXXX, XXXX and transunion Are also in violation Of 1681A ( i ) a - Definitions ; rules of construction 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; It is illegal to report Transaction history and experiences which all accounts above in violation 15 U.S. Code 1681e mandates that consumer reporting agencies, like XXXX and XXXX, maintain reasonable procedures to avoid violations and limit the furnishing of consumer reports. However, it seems they are not adhering to these standards. 


So I will give XXXX, XXXX and transunion 30 days to remove accounts from report If information is not removed I will take action to find a resolution By Filling a identity theft report against Credit bureaus Making a Complaint with the federal Trade commission FILLING A XXXX complaint And filing a Congressional inquiry with congress To Have that Governing body investigate why Credit bureaus are reporting non disclosed information that is supposed to be excluded from Consumer report
Consumer complaint received 2018-09-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: AMERICAN EXPRESS COMPANY (GA)

My identity was used to open bank accounts and credit cards. These applications were done through the computer. I have tried multiple times letting Amex, XXXX and XXXX XXXX know. XXXX XXXX researched and discovered that I was right. Since then they have removed the fraudulent account from my reports. However Amex continues to say they can not provide a copy of the application that was supposedly applied for using my identity. They are still currently updating the account as late and over the limit. This is causing my credit report scores to dwindle.
Consumer complaint received 2020-05-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Santander Consumer USA Holdings Inc. (KS)

In XX/XX/XXXX or XX/XX/XXXX, Chrysler Capital owed me a refund of {$43.00}. Chrysler Capital 's address is XXXX XXXX XXXX, XXXX, IN XXXX. 

Rather than send me a check, as I would have preferred, they sent me a prepaid MasterCard XXXX XXXX XXXX XXXX. I hate prepaid debit cards and would never accept one if given another option. The documentation that arrived with the card clearly showed that I could not get the cash from it, but had to spend the balance instead. I threw it in my truck and after some time I tried to use it, but it was declined. I have never accepted any form of a cardholder agreement for the prepaid card. 

I wrote to Chrysler Capital requesting a check for the refund. They never responded. After a while I received a letter from a company called XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, TX XXXX. They sent me a check for {$16.00}. 

Again I wrote to Chrysler Capital asking for the balance, and again they did not respond. I did receive a letter from XXXX asking me to call them for resolution. After several attempts, I finally reached a customer service agent. She informed me that They kept {$27.00} for fees, which they would not send to me. 

The original letter with this card shows that it is issued by XXXX XXXX  XXXX. 

I clearly did not request this card, nor did I agree to any fees. I want my refund in the form of a check.
Consumer complaint received 2021-11-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I reported unauthorized charges to my account by XXXX. The claim # XXXX for account XXXX. These charges were made to my Capital One debit card. Capital One removed the charges on XX/XX/2021. On XX/XX/2021 Capital One stated disputes was resolved. Capital One denied my claim and reinstated the charges. Capital One stated no error. Capital One also stated I could request copies of any documentation used to make this decision. I requested documentation. Capital One sent me little or no documentation to make a decision. One Capital One agent stated charges were made in California. I have never been to California and I did not authorize anyone there to use my card. I have since received a new card. I request the charges be removed.
Consumer complaint received 2016-01-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have disputed this information as being fraudulent and not mine, or opened by me. They have disregarded some of my disputed and then some they have said the accounts were verified which could not be because the credit grantor could not provide me with proof the accounts were opened by me. I have been dealing with this issue for over a year now and I 'm at the point to where I need to hire an attorney to get this resolved if this dispute is n't settled this time. If that is the case I will be suing the credit reporting agency and the original credit grantor on file for each account in dispute.
Consumer complaint received 2020-10-19
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: EQUIFAX, INC. (FL)

I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS LATE PAYMENTS REPORTED ON THE ATTACHED ACCOUNTS. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS TO THOSE ACCOUNT. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS. PLEASE CONSIDER MAKING A GOODWILL ADJUSTMENT TO MY ACCOUNTS THAT'S LISTED.