davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

there is a bankruptcy that is not mine and TransUnion will not remove it. i never filed for bankruptcy in Arkansas. I filed another complaint previously with the CFPB and TransUnion responded that they do not have a credit report which in fact they do have it listed on my credit report XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/2019
Consumer complaint received 2018-09-24
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. (OH)

I have filed a report several times with all 3 credit bureaus. I have attached a copy of bills and reports to all the proper organization and I still can not get any help. I need to move and buy a home and all of this is holding me back. Please see the attached documents from FTC report, XXXX Police Department, I have a address that shows as both XXXX XXXX XXXX XXXX, XXXX OH, XXXX AND/OR XXXX XXXX   XXXX XXXX , XXXX, OH XXXX THIS IS THE EXACT SAME ADDRESS!! Please DELETE/BLOCK/REMOVE the following items : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX , BAL. {$3100.00}, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX. FTC Report XXXX.
Consumer complaint received 2018-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Ability Recovery Services, LLC (MS)

In XX/XX/2018 I talked to XXXX XXXX about my account with Ability Recovery Services were reported that I am derogatory on my account. She told me the credit reporting agency have to fix it because they already send a report when I pay my account but I have been paying on time. I tried to dispute it with XXXX and XXXX but I could not online. I have called back XXXX XXXX twice and left 2 messages but she has not returned my calls.
Consumer complaint received 2023-01-30
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)

Dear TransUnion, I am writing to dispute certain information that appears on my credit report. The disputed items are : XXXX - XXXX XXXX XXXX XXXX XXXX I have disputed these items with you and you have notified me on your website that you had started your investigation on XX/XX/2022 and I have yet to receive a response from you. It has been over 30 days since the start of your investigation. According to the Fair Credit Reporting Act ( FCRA Section 611 ( a ) ( 1 ) ( A ) ), credit bureaus are required to investigate disputes within 30 days of receiving them. As you have failed to respond within that time frame, you are required to delete the disputed information from my credit report.

I request that you delete these items from my credit report immediately, and send me a copy of my updated credit report. Please also notify any creditor or information provider that these items have been deleted from my credit report. If you have any questions or need any additional information from me, please contact me at XXXX or XXXX. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2020-07-09
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: LEXISNEXIS (MD)

LexisNexis has been reporting information to the credit reporting agencies without my written consent. I contacted the bankruptcy court and they did not release the information to them. My rights have been violated by LexisNexis and XXXX  and my reputation has been damaged as a result of their false reporting.
Consumer complaint received 2020-07-09
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: AMERICAN EXPRESS COMPANY (CA)

I requested Amex to do an investigation on a charge off and furnish previous data on the card for my review. I also asked AMEX to provide an explanation of the investigation method and amount, dates to verify the accuracy of their records. 
AMEX was given a reasonable time to do their investigation and furnish the data. 

AMEX has not responded to my request. I am requesting AMEX to remove their remark from my credit reports.
Consumer complaint received 2020-07-27
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. (AR)

I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not to good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report.
Consumer complaint received 2020-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (SC)

THIS IS A NEW COMPLAINT!!!! 
I have a loan with CCB/CHLDPLCE. I have always made my payments on time. For some reason, I realized that there are multiple late payments on my credit report. As you can see, I have always had a stellar payment record with this company. I placed XXXX  XXXX on my Childrens Place account and they were required to pay all billing while I was out on XXXX  leave for those 12 months. They failed me!! I tried contacting both XXXX XXXX, ALL THREE BUREAUS and CCB/CHLDPLCE with no successful resolution. There was definitely an error on their part. You guys are reporting late payments for all different months for each three credit bureaus which means it is INACCURATE and needs to be REMOVED IMMEDIATELY!!! You are trying to diminish my character and I am not happy about it! was never 30 days late XX/XX/XXXX, never 60 days late XX/XX/XXXX, never 30 days late XX/XX/XXXX, never 30 days late XX/XX/XXXX, never 30 days late XX/XX/XXXX, never 30 days XX/XX/XXXX. THIS NEEDS TO BE REMOVED IMMEDIATELY!!!
Consumer complaint received 2020-07-09
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. (AR)

I am soon to be in the market to purchase a home. I started by checking my credit report to know my score number. After doing so I noticed a couple of items that are not mine on my credit report. These items need to be deleted from my credit report. XXXX XXXX {$220.00} USDEPTED XXXX {$2000.00} DEPTEDXXXX XXXX {$3200.00} DEPTEDXXXX XXXX $ XXXXDEPTEDXXXX XXXX {$3200.00} DEPTEDXXXX  XXXX {$3500.00} DEPTEDXXXX  XXXX {$1000.00}
Consumer complaint received 2020-08-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc. (GA)

I do not own or know these accounts. I demand an investigation and removal of these accounts that do not belong to me. The Monthly Payment, Terms, Credit Limit, Past Due, and Date of Last Payment are missing in this report. I am wondering why it ended up under my name. This is ridiculous and incorrect. I demand this will be deleted.
Consumer complaint received 2020-10-12
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. (IL)

XXXX  and TransUnion credit bureaus keep on adding these fraudulent accounts on my credit report. These were already reported and has claimed that these debts/accounts are not mine.
Consumer complaint received 2020-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Contacted XXXX XXXX XXXX numerous times concerning open installment loan. Showing on report paid in full on 1st auto ; FINANCED 2nd auto the same day. CFPB won a XXXX XXXX civil suit against XXXX XXXX parent company for inaccurate and non reporting. My main issue. Consumer wasn't told. They lied and said software update for 2 years. XXXX XXXX XXXX XXXX need credit to show open installment loan for past 5 years. They refuse to send info too credit bureau. Corporate or local branch. Tried to trade auto for 2 years. NO OPEN INSTALLMENT LOAN MAIN DENIAL. PLEASE HELP THANK YOU P.S. NO HELP DURING COVID ; KNOWING PRIOR ISSUE WITH NON REPORTING HINDRANCE TO MY CREDIT. THREATENING TO CHARGE OFF {$2100.00} AFTER I'VE PAID {$12000.00} AND PAID IN FULL FIRST VEHICLE THAT ENGINE DROPPED OUT OF AND I CONTINUED TO MAKE PAYMENTS UNTIL I FINANCED 2ND AUTO WITH THEM. LETTER SENT TO ME OF HOW GREAT OF A CUSTOMER I WAS. REALLY?!?
Consumer complaint received 2018-09-23
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP (CA)

I applied for a home equity loan from US Bank on XX/XX/XXXX on my primary residence at XXXX XXXX XXXX, XXXX XXXX, CA XXXX. I provided all of the documentation and received a written confirmation based on DTI that i qualified for {$280000.00} pending the appraisal. Although I believe US Bank eventually denied my home equity loan in order to " steer '' me to refinance my primary loan at a higher more profitable rate for them, I'm not filing a complaint about that at this time. I am filing a complaint regarding the appraiser used by US Bank and the appraisal process in general. As you can see, I've filed a previous complaint a few years ago regarding the appraisal process. They've now exhibited a trend in how they instruct their appraisers to appraise properties or they are using incompetent appraisers. It would seem that you now have two appraisers doing the same thing that it's likely the instructions given to the appraisers by US Bank. Both appraisers two years apart came in 6.5 % below the market value ( {>= $1,000,000} versus market value of {>= $1,000,000} for this current one ; {>= $1,000,000} versus market value of {>= $1,000,000} two years ago ) of the property which seems odd that the percentage would be the same. The appraiser two years ago left off a room with enough square footage to come in at the value the bank wanted. I didn't realize it until i went back and looked at it. This appraiser used comps from a different zip code in an area that had houses built prior to the 1994 XXXX earthquake in order to bring the value in at what the bank wanted to lend. Either the bank is instructing the appraisers or they are incompetent.
Consumer complaint received 2020-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (NY)

CITI XXXX ) I called for a deferment for a few months due to the Covid 19 Pandemic. They agreed that a ate payment for the following 3 months would not report as a late pay on my credit report and they did not comply ... to my surprise I have my credit report to be qualified for my 1st home and there is the late payment that they stated they would not report ... this is killing my score and now i do not qualify for the home ... i need this reversed immediately to read paid on time ... .I need the 30 day late for XX/XX/2020 updated to paid on time as we had an agreement.
Consumer complaint received 2018-09-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I disputed a charge of {$250.00} which was charged on XX/XX/XXXX from a vendor ( XXXX ) that did not perform and present a website accordingly and in a TIMELY MANNER. After not receiving a well put together website with a few days as promised, I requested cancellation of the entire service. They said I didn't but I did via phone conversation and email request. I told them not to proceed I was not happy with the " ugly '' website. It was terrible and I had to keep asking " why isn't the site up and running. '' ( See attached ) I provided proof, email conversations, and dates of the transaction and conversations to Capital One who decided to deny my dispute because I did not provide A SECOND OPINION from another company who knew nothing about this transaction. Not only did they deny the dispute but they took their own good time responding ; two representatives call on two separate occasions and neither one followed through with the dispute without saying they don't see my documents. I was asked on three different occasions to send my proof, when I had already done so as requested by their deadline. They said they didn't see it when I had confirmation of the email. On XX/XX/XXXX, XXXX wrote to Capital One that they see the " charge back of the funds, as FRAUD. This of course was a lie. They just didn't want to give me back my money after not performing. I have never in my life had a company ask for a " second opinion '' from another business who is not involved with a dispute. I had no clue who to involved in this. I felt this to be very UNFAIR to me as a card holder who paid my account on time and who cherished that fact that I was granted the account. I am very insulted and feel as though I'm being discriminated against regarding this matter. Capital One refused to value my opinion as though I was lying about everything. I told Capital One on multiple occasions that I WILL NOT BE PAYING FOR THAT CHARGE and now they have added 2 late fees taking the balance up to {$340.00} and they have reported me as being two months late which has cause a decrease in my improving credit score. I had my scores close to XXXX, I have been working diligently to improve my credit and clean up my credit and now this. I have warned them that I will continue to dispute this and I refuse to be a victim of such a request of asking a " second opinion '' for proof that a vendor did not perform. Yes I was paying for and agreeing to service that I did not receive according to their time frame. Please see the dates that I told them I didn't see any website up and running and the message stating on XX/XX/XXXX ADMITTING THE SITE WAS NOT LIVE. It was supposed to take only 3-4 days which DID NOT HAPPEN. If needed I have ALL EMAILS regarding this transaction with the vendor. Thanks for your help!
Consumer complaint received 2020-08-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CBE Group, Inc. (FL)

On XX/XX/2020 I payed a collection account to a collector called CBE Group. 

I paid {$77.00} and some change to resolve a debt from a XXXX XXXX bill at a previous address. 

I had a credit reporting disputed and got this collection removed to improve my credit so that we can apply for a mortgage on a new home. 

I find out a couple of weeks later that a new collection on my credit report by a company XXXX XXXX XXXX ( XXXX ) is collecting for the same debt for XXXX XXXX. 

I disputed this again with the credit burea and XXXX. I sent proof of the payment to bot XXXX and XXXX XXXX with no resolve. 
I sent a second letter and email with proof again around XX/XX/2020. 

I call XXXX XXXX over 12 different times to resolve this but they only give me a ticket number and say someone will contact me. I never recieved any communications from them. 

XX/XX/2020 I get a letter in the mail from XXXX saying that they contacted XXXX XXXX about the account and XXXX told them that they checked all of thier sources and that no payment was made on my account but to continue collections on the account. 

I again called CBE Group to get them to help with the payment communication to XXXX but they told me only that, yes they confirm the payment was received but XXXX pulled the account from them on the same day and they do not know what happened to the payment processing. Told me to send them " CBE Group a letter explaining the circumstances with my proof of payment and then see what happens. 

I did send a registered letter again with the proof but get no resolve. 

In my opinion, CBE Group did take my payment but did not pay or communicate it to XXXX. They still have not. 

I am at a loss as of what to do next. My credit is being destroyed and neither CBE Group or XXXX is cooperating.
Consumer complaint received 2023-01-31
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: OLIPHANT FINANCIAL, LLC (UT)

As XX/XX/XXXX I've called and spoke with customer service about a fraud that put on my account by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Account # XXXX this company stated the account was open in XX/XX/XXXX I have told the agent was a victim in of fraud in XXXX as well and I assured they would ask for documentation of proof and today I received and email stating it's Verified as accurate.I request XXXX to provide Proof of certified documentation of accuracy of this update to my credit file. This collection company is not licensed in my state nor did this company send my a letter of dispute by mail. I request proof of signature and proof what address when this account was opened.
Consumer complaint received 2018-09-23
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. (MA)

Placed a credit freeze on experian account to prevent credit card inquires and new accounts, but experian account is still accepting open new accounts and inquires without my approval. Called experian but they leave no option to talk to a representave about the issue..
Consumer complaint received 2023-03-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (ID)

Ownership I have no knowledge of this collection account. 
CONTACT INFORMATION PORTFOLIO RECOVERY XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX I have tried to dispute this account but remains, I would like it removed as it is not mine and I have no knowledge of it.
Consumer complaint received 2023-01-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I want your help to remove this XXXX  in my credit report because this is not okay and XXXX  should not be reported in my credit report as said by the Court and you don't even have the means to make sure that you are reporting this correctly!
Consumer complaint received 2020-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: RFNA, LP (GA)

Republic Finance is reporting a debt on my credit file that i do not owe. I recently checked my credit and noticed this debt on my credit file, I called immediately and paid the debt off. I never received any phone calls or any collection letters or notices about this debt and I'm pretty sure this violates my 30 day right to dispute.
Consumer complaint received 2020-10-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC. (MO)

In XXXX XXXX. I received a {$150.00} offer to upgrade my HSBC choice checking account to HSBC advanced checking account. I upgraded my account on XX/XX/XXXX and met all the requirements, but I never received the credit. I have contacted HSBC twice recently, however they refuse pay the credit.

According to the terms, I need to 1. Upgrade your existing HSBC Choice Checking account to an HSBC advanced checking account from XX/XX/XXXX through and including XX/XX/XXXX. I upgraded my account on XX/XX/XXXX. 
2. Meet one of the Advanced Qualifying Criteria. Maintain combined U.S. personal deposit and/or eligible investment balances of at least {$10000.00} within 30 calendar days from the date of upgrade to Advance or at least {$5000.00} with a recurring direct deposit from a third party to your Advance checking at least once a month or any HSBC U.S. residential mortgage loan. On XX/XX/XXXX the combined balance of my checking and saving account reached over {$10000.00}.

3. Maintain the minimun Qualifying Criteria for 3 consecutive calendar months from the first full calendar month after account upgrade. Since XX/XX/XXXX, I kept my account balance over {$5000.00} with monthly direct deposit until XX/XX/XXXX, which include 3 consecutive months XXXX, XXXX. and XXXX. 

However, HSBC claims that the third criteria was not met because it requires XXXX to be included. Since I met the second requirement on XX/XX/XXXX, I didn't meet the third requirement. 

I can't accept their explanation. It is clearly stated that I have 30 days to meet the requirement, so " from the first full calendar month after account upgrade '' should imply XXXX, XXXX. and XXXX. Otherwise, no one will have the full 30 days window to meet the requirement. In my case, I only have from XXXX. For other people, if they upgrade on XXXX of the month, they will only have 15 days, it they upgrade on the XXXX of the month, there's only 10 days left. 

The terms of the offer is misleading and self-contradictory. I have met all the requirement and HSBC simply refuses to pay the credit, which is totally unacceptable. 

The offer confirmation and my checking, saving account activities has been attached for refernce.
Consumer complaint received 2020-10-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO. (MI)

Users kept sending me over to other people to send money to and I lost about XXXX $ dollars cause of this on that night and it really disappointed. I was told so many fees and just them being dishonest and unfaithful. I worked really hard for this money and Im XXXX years old and live in XXXX XXXX Michigan. Im doing my best to stay calm by that is a lot of money and its not in my possession anymore and not much my bank can do for me. I really appreciate if I could get some assistance and I could file more proof of what it was on my part and not satisfied. If there is any way to resolve this issue and getting a refund request or doing something to help prevent it from happening while getting back some funds for me.