davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2018-10-05
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I have attempted to file a dispute with Transunion multiple times over the last few months on their website. Their initiate dispute feature has been down consistently in that time. Further, a dispute I previously submitted has not been dealt with. I attempted to call to get some information about what was going on and the representative was unhelpful and unable to answer my questions. I was not notified in writing about any status update or closure at any point. How is it that I am unable to rectify incorrect credit information with a company whom I did not consent to doing business with in the first place? I find it interesting that this company can just collect data, including sensitive personal/financial information, without having been given my consent and then continue to operate without any repercussions when they fail to protect the very information that dictates our financial freedoms. How they can continue making it extremely difficult to correct false reports on the phone with people who do not reside within the country they serve and hardly speak the language of the very customers they are there to help. My last dispute was never resolved, updated, or followed-up on and I have been unable to file a new dispute regarding an account I have never seen before. Federal law seems to only apply to citizens, not companies.
Consumer complaint received 2018-03-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (LA)

I have a mortgage with US bank and I was under the impression that it was federal law that they have to remove the mortgage insurance when the value of my loan goes below 78 %. 
The value of my loan is less than 78 % and they are telling me in order to remove the mortgage insurance I have to get an appraisal on the house as well as get something from city hall letting stating there are no Liens on the house. 

Why do I have to obtain these things when it is federal law that they remove it when the principal goes below 78 % of the original loan amount. It costs money to get an appraisal done.
Consumer complaint received 2024-03-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (TX)

FCRA VIOLATION I HAVE NO KNOWLEDGE OF INCORRECT ACCOUNTS ON MY CREDIT REPORT : XXXX XXXX  # XXXX, XXXX XXXXXXXX XXXX  XXXX # XXXX. FTC REPORT : XXXX
Consumer complaint received 2023-04-10
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: CAPITAL ONE FINANCIAL CORPORATION (MT)

I have contacted Capital One several times on the phone and by sending a total of 4 letters throughout the past few years about the late payments on my credit report and filed several disputes through XXXX. They said no to fixing it each time. I had just recently learned that they could not report late payments until it was 30 days past due not immediately past the due date and none of the 2 late payments were past 30 days. I thought each time I called and mailed they were looking at my account to verify but I dont think they ever didI provided statements to XXXX and capital one still did not fix it and rejected proof. They have hurt my financially and my living options due to an error on their end that after contacting them so many times is not an accident. I provided my statements as proof, I called and no-one at any point said they werent actually looking at my record. I have two false late payments destroying my credit and pleading ( I actually have pleaded ) with Capital One has got me nothing. Even XXXX support agents say yeah the statements you provided do show you never made a late payment but its all up to capital one to decide if we take it off!!!!!!
Consumer complaint received 2020-12-13
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. (UT)

I send a dispute XX/XX/XXXX to Transunion to do and investigate via letter to investigate an alleged late on the XXXX acct that says that I was late on XX/XX/XXXX. I was never late on this account. The letter asked for them to correct the information. They dis not respond and they are non compliant. By law they are suppose to respond in 30 days and it now XX/XX/XXXX with no response to my investigation. I send out a letter of Non compliance XX/XX/XXXX. I was never late on this account and I want it updated to reflect never late and remove the alleged late payment on XX/XX/XXXX and to reflect a positive never late on this account
Consumer complaint received 2021-06-25
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. (IL)

HELLO, I AM INQUIRING ON THE PREVIOUS INVESTIGATIONS THAT THE CREDIT BUREAUS HAVE PERFORMED. I FEEL LIKE NOTHING HAS BEEN DONE IN THIS CASE .... 

THERE ARE CERTAIN NEGATIVE ACCOUNTS ON MY CREDIT REPORT WHICH HAVE NOT BEEN RESOLVED. THE XXXX XXXX XXXX ACCOUNT IS REPORTING FALSE INFORMATION. I WAS NEVER LATE ON ANY OF MY MONTHLY PAYMENT, AS WELL AS I HAVE BEEN A VERY LOYAL CLIENT OF THEIRS FOR YEARSXXXX XXXX IS AN ACCOUNT THAT I DO NOT RECOGNIZE, AND I AM NOT LIABLE FOR, THEREFORE XXXX  WAS ABLE TO REMOVE THE NEGATIVE INFORMATION PLEASE GIVE ME A REASON WHY XXXX, XXXX  OR TRANSUNION HAVEN'T BEEN ABLE TO RECTIFY THE INACCURATE, OUTDATED, UNRELIABLE INFORMATION OFF OF MY CREDIT REPORTS. I FEEL AS IF MY CONCERNS ARE BEING DODGED BY THEM AND THIS IS AFFECTING ME IN AN ENORMOUS WAY.
Consumer complaint received 2018-03-11
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. (LA)

I have credit inquiries on my credit report that I do not recognized and/or didn't authorized. Some are multiple in the same month. I have tried to dispute these with Transunion several times but they keep saying that they are mines, but they are not mines.The hard inquiries are below that isn't mines. 

1. XXXX ( XXXX ) 2. XXXX XXXX ( XXXX ) 3. XXXX ( XXXX ) 4. XXXX XXXX ( XXXX ) 5. XXXX XXXX XXXX ( XXXX ) 6. XXXX  XXXX XXXX ( XXXX ) 7. XXXX XXXX ( XXXX ) 8. XXXX XXXX - XXXX  ( XXXX ) 9. XXXX XXXX - XXXX ( XXXX ) 10. XXXX XXXX - XXXX ( XXXX ) 11.  XXXX XXXX - XXXX  ( XXXX ) 12. XXXX XXXX - XXXX  ( XXXX ) 13. XXXX XXXX XXXX ( XXXX ) 14. XXXX ( XXXX ) 15. XXXX ( XXXX ) 16. XXXX ( XXXX ) 17. XXXX XXXX ( XXXX ) 18. XXXX XXXX ( XXXX ) 19. XXXX ( XXXX ) 20. XXXX ( XXXX ) 21. XXXX  ( XXXX ) 22. XXXX  ( XXXX ) 23. XXXX  ( XXXX )
Consumer complaint received 2018-03-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (LA)

I have never done business with XXXX XXXX and I have mailed in disputes to the company twice, both the company and Credit Bureaus never provided me with a signed contract with my signature. A collection bill is a not a validation and I have the right to provided with proof and with no proper proof I need this removed from my credit reports.
Consumer complaint received 2023-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC (IL)

Incorrect amount owed High balance was XXXX after disputing this because this vehicle was sold with permission of finance company The new owner didnt keep there obligation to the finance company I did not agree to stay on this loan every time I tried to resolve this issue they charged me additional money the last payment that was made on this vehicle was made on XX/XX/XXXX they have since my multiple disputes they have from XXXX of XXXX until XX/XX/XXXX change my credit file to 180 days late and fraudulently claim the balance owed is XXXX the actual balanced owed was XXXX this was done in retaliation to my multiple disputes
Consumer complaint received 2018-02-21
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: SYNCHRONY FINANCIAL (NY)

To whom it may concerne I am requesting for XXXX XXXX and XXXX XXXX to fix my credit to be they way I had it XXXX credit limited not at XXXX credit limited that they did to my account. They need to stop this GIMMICK SCAM and CORRUPTION with this both company. 

Doing a follow up with the complaint ID on file XXXX
Consumer complaint received 2021-04-08
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc. (NC)

I cosigned for an auto loan with finance company, Santander Consumer USA, in 2018 and the loan eventually fell delinquent. I later received a notice that I did not qualify as a co-signer for this loan and should have never been approved as such. I have since misplaced this notice but I have discovered that the Attorney General won a class action suit against this company for predatory lending practices of subprime consumers. I would like to have this obligation removed from my name and from all credit reporting agencies.
Consumer complaint received 2018-02-21
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. (NC)

I have previously submitted a dispute request to the bureau in regards to account reporting incorrect payment history or no payment history the bureau didnt remove the accounts although nothing was provided to be to confirm the account were verified or even my accounts ... I have enclosed proof from the creditor which confirms no information was verified to the bureau
Consumer complaint received 2021-03-30
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (NJ)

In the years of XX/XX/XXXX to XX/XX/XXXX. These amounts were between {$300.00} to {$2000.00}. I don't have the statements for this account since its been a long time. I know that i only used the credit card 1 time for less than {$200.00}. I paid 1 time because that's what i owed. When i realized that I had other stuff being charged on my account i called the credit card company. They couldn't do anything.
Consumer complaint received 2018-02-21
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. (IL)

Have been going back and fourth to dispute items on my credit profile that do not belong to me ; have submitted police report, identity theft affavaidt, verbal, written and faxed disputes to all 3 major credit bureaus agencies without success. Chapter XXXX bankruptcy is reporting invalidly has wrong date and amount needs to be removed. XXXX XXXX XXXX and XXXX XXXX are not my accounts the company does not have a contract and hasn't validated the debt ; and I have never paid student loans late so the late pays on XXXX needs to be updated.
Consumer complaint received 2018-03-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (CA)

I saw a web advertising for Amex Premier Rewards Gold Card ( -XXXX XXXX XXXX XXXX XXXX ) what Amex mentioned {$2000.00} spending within 90days and I can get XXXX MR points. But Amex didn't give this XXXX   reward points.

Amex said that I already had same card with rewards points.

But, when I apply this card, web site application didn't mention about that. And former card made long time ago.
Consumer complaint received 2018-03-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (WA)

I have been getting harassing phone calls to pay a debt that did not belong to me. I received a letter in the mail from a collection agency that stated I received a ticket for failure to stop at a red light in a city I do not drive to. One, the letter is in the name of someone I do not know, two, the incident took place at a address and city I have not been to before, and third, the ticket it for license plate that is not that of my car. Please help me rectify this situation, because I do not what this to effect my credit.
Consumer complaint received 2022-01-19
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. (AZ)

Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Report : XXXX XXXX XX/XX/2020 )
Consumer complaint received 2019-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Emails to XXXX, Executive Escalations <XXXX> with Email subject Disputes of XX/XX/XXXX credit report and attachments Please find attached credit report for your ease of reference and resolution. 
1. I have never used XXXX XXXX. Please provide source of " XXXX XXXX '' contact information or permanently remove fraud from my report. 
2. I have lived without interruption at XXXX XXXX XXXX since XX/XX/XXXX. please correct. 
3. As I have lived without interruption at XXXX XXXX XXXX since XX/XX/XXXX please remove this fraud. 
4. As I have lived without interruption at XXXX XXXX XXXX since XX/XX/XXXX please remove this fraud. 
5. This statement corrects XXXX  XX/XX/XXXX credit report fascinating dishonesty. The XX/XX/XXXX 30 day late was authorized by XXXX XX/XX/XXXX email attached amendment to contract agreement, initialed by XXXX XXXX. 30-day late requires correction to OK, not late. The XX/XX/XXXX final payment 90 day late was authorized by XXXX XX/XX/XXXX email attached amendment to contract agreement, approval initialed by XXXX XXXX. 90-day late requires correction to OK, not late. XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX OKs verify loan overpayments, per XX/XX/XXXX amendment to contract agreement, of ( {$460.00} * 3 or {$1300.00} ). Result : untruthful charge-off. {$1300.00} refund awaited. Please reference attached XXXX XXXX XX/XX/XXXX removal of XXXX 's dishonesty. 
6. Please provide my documented authorization or immediately remove from my credit report. 
7. Please provide my documented authorization or immediately remove from my credit report. 
8. Please provide my documented authorization or immediately remove from my credit report. 
9. Please provide my documented authorization or immediately remove from my credit report. 
10. Please provide my documented authorization or immediately remove from my credit report. 
11. Please provide my documented authorization or immediately remove from my credit report. 
12. Please provide my documented authorization or immediately remove from my credit report. 
13. Please provide my documented authorization or immediately remove from my credit report. 

Respectfully :
Consumer complaint received 2023-06-28
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. (IL)

There are accounts on my consumer report that are a result of identity theft. I did not provide written permission with a wet signature for these accounts to be reported on my consumer report. I recently contacted you to address this issue, and I am requesting that this information be blocked and deleted as soon as possible. Your actions have caused me significant mental and financial stress by including items on my credit report that do not belong to me and for which I am not responsible. I am prepared to take legal action if this complaint is not handled appropriately. These fake, inaccurate, and fraudulent items appearing on my credit record have prevented me from purchasing my dream house and providing for my family 's needs. I have attached a copy of the letter I previously sent for your reference.
Consumer complaint received 2021-03-30
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated (MS)

On XX/XX/2021 my unemployment weekly amount was put on my Way2go card. Immediately after I transferred the entire amount to my XXXX XXXX XXXX account. They claim it takes 3 - 4 business days but it has never cleared with XXXX. I spoke with 3 different customer reps. at Way2go and they are all giving me the rundown that I need to be patient. Today is the XXXX & I have spoken with XXXX a couple of times. They have no record of any pending transfers from Way2go. The last message from Way2go said that it could take up to 5 weeks to resolve any issues. This is ridiculous I need my money to be put back into my account. I have XXXX $ presently in the account from this weeks payment. I am missing last weeks payment which should equal total of {$720.00} in my account as of today. Please help me. Thanks
Consumer complaint received 2020-09-18
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Cornerstone Home Lending Inc. (UT)

Nest Home Lending and XXXX XXXX are both subsidiaries of XXXX XXXX. They have been aggressive with their loan practices and have been practicing predatory lending. From the beginning of the loan process we have discussed that we will be using an outside lender. We are currently about to close on the home and XXXX XXXX and Nest Home Lending have been continuously being rude to us since around the beginning of XXXX. I have been lied to by XXXX XXXX regarding requirements for our home loan while using an outside lender and they continue to assert that we will not be able to close our home properly since we are not using their lender. We have asked that communication via the closing of our home remain on an common email thread with the lender that we have chose, The XXXX XXXX with XXXX, yet they have continuously disregarded this request and have kept communications off record with us. The hate and mistreatment from both XXXX XXXX and Nest Home Lending has been overwhelming during such a stressful time.
Consumer complaint received 2020-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NM)

I submitted a dispute with Experian about a mortgage account balance with XXXX XXXX XXXX. I was told the information in my credit report was correct, the balance was {$570000.00} and I would have to go to the lender if I disagreed. I wrote to XXXX XXXX XXXX and received a letter stating that the account had a XXXX   balance and had been closed on XX/XX/2018. I submitted this letter to Experian and their response was to change the balance to {$570000.00} and I would have to go to the lender if I disagreed. I tried calling the telephone number they list for disputes and their phone tree doesn't have that option. I don't know what else I can do.
Consumer complaint received 2018-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (CA)

My credit report shows a negative collection/chargeoff from XXXX XXXX.This account has been closed since XX/XX/XXXX. The full balance was paid. XXXX XXXX still shows a negative account on my report. I disagree with this negative report from XXXX XXXX. 
This account was opened on XX/XX/XXXX and closed on XX/XX/XXXX.
Consumer complaint received 2023-01-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP (MN)

On XX/XX/XXXX I wrote a check for {$670.00} even. The very next day looking at my bank account I noticed a withdraw of {$970.00}. The check clearly was written out for {$670.00} both numerically and with the write grammar of XXXX XXXX seventy-five dollars. ON XX/XX/XXXX I called customer service at US Bank to confront the issue. I was first told a supervisor would need to investigate and get back to me with in 3 days. That never happened so on XX/XX/XXXX. I called again looking for a solution where another customer service agent informed me that a XXXX will need to file a claim. I waited a week and around XX/XX/XXXX. I called yet again only to discover the claim had not been processed accurately. Therefore no claim was set up. I am still owed {$300.00} dollars. I called XX/XX/XXXX and this time a claim was filed via claim # XXXX. I was told it could take XXXX to XXXX business days to resolve. Today XX/XX/XXXX I called again and was told the claim is still in process and yet again without {$300.00} owed to me. I don't understand how hard this is to resolved which was clearly a teller error or computer error. Please help resolve