davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Over the past 12 months ; I've sent over 12 dispute letters and XXXX XXXX, XXXX and XXXX, Transunion, and XXXX have continued to violate the law reporting inaccurate credit information. Furthermore, this account is in violation of the bankruptcy laws because this account was settled in bankruptcy over 5 years ago and XXXX XXXX, XXXX continues to report this account inaccurately ( balance ). Because of the inaccurate reporting on the balance continually this account must be deleted under the FCRA. Any continued reporting will result in filing with AG and federal exploration of the FCRA lawsuit because of the injuries nature of this inaccurate information. I have been unable to obtain employment, buy a home and/or an apartment. Delete this inaccurate account immediately!
Consumer complaint received 2019-10-26
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Hunt & Henriques (CA)

I Sent 4 requests for a signed copy of contract along with a request for accounting based on XXXX XXXX accounting practices. 
I have received neither. There is no debt and XXXX XXXX failed to prove a debt exists. I have an unrebutted affidavit of XXXX balance. 
My credit has been affected and they keep ignoring me and have filed a lawsuit. I ask for XXXX XXXX to comply with the Law and take this off my credit report
Consumer complaint received 2020-09-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Since Friday XXXX XXXX I have been unable to access my account online or on the phone, I can not see my balance or pay my bills. I have spent hours on the phone with customer service who have told me conflicting reasons such as a platform upgrade, a decision to no longer offer online banking to escrow accounts, and a service interruption At no time was any notice given and the inability to receive a clear explanation as to what is going on is maddening.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. 
Please see this complaint is processed to the letter of the law. I have disputed this XXXX XXXX and it has not been corrected. The account is still reporting wrong on my credit report but it is already closed. 
The account has been closed however, the account payment status is late. The account payment status CAN NOT be late on an account that has already been closed. The account status is wrong and should be closed. Now, I want you to correct this misinformation on my file. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. 
XXXX XXXX  XXXX Date Opened : XX/XX/2021 Balance : Balance : {$17000.00}
Consumer complaint received 2021-03-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (NY)

The phone calls are coming in each day. They are robocalls which claim a debt. But when I have gone to the 800 phone number to discuss it, I am given a series of questions to sell me products. There is NO WAY to speak to someone. 

The numbers rotate each day so are impossible to block. Among them are XXXX, XXXX XXXX XXXX and XXXX. But there are countless more. The 800 number I was given to call was XXXX, I misdialed the first time and got the same treatment at this 800 number : XXXX.
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 — Investigation took more than 30 days
Company: CITIBANK, N.A. (NV)

Citibank received a cashier check for {$1400.00} on XX/XX/2018. As of XX/XX/2018 2 billing statements show that I still owe {$1400.00} on all 3 credit bureaus. This is effecting my credit scores. I filled disputes with all 3 credit bureaus. Why is Citibank refusing to update my account with a XXXX   balance to the reporting credit bureaus.
Consumer complaint received 2018-10-05
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. (PA)

The last week of XX/XX/2018, XXXX student loan holders were paid in full on two accounts. One account was paid {$23000.00} and the other account $ XXXX  XXXX effectively paying both accounts off. XXXX has stated they reported these payments to all three credit bureaus, however, Transunion has refused to remove it. 

I have spoken to Transunion over 6 times and provided proof these accounts were paid in full, however, they have refused to adequately report on these XXXX  student loan accounts. 

I am a recent widow and have a child. I applied for a loan and was denied because of Transunion not adequately reporting on these student loans. 

XXXX XXXX cell XXXX
Consumer complaint received 2020-06-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

Prior to XX/XX/2020, I paid my credit card in full. As of today, there is no balance on my account nor any minimum payment due with a credit limit of {$500.00}. However, on XX/XX/2020, Capital One has refused to allow any online transactions to be processed, without any explanation. I contacted Capital One and inquired about my account and why my online purchase was declined, however the representative blamed the decline of the purchase of {$29.00} on the merchant or pay pal. After multiple declines of my Capital One credit card, I used a different credit card from a different company and the purchase was immediately approved for the exact same purchased I attempted to make with my Capital One credit card.. 

This is not the first time Capital One has decline my purchases when there is more than enough funds available on the credit card and despite calling Capital One and attempting to make the purchase while on the phone with Capital One my purchase was still declined. 

I request an investigation into the intentional declines of my purchases using my Capital One credit card
Consumer complaint received 2023-01-31
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. (FL)

This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (MA)

I submitted an on-line payment. The next day it was returned and I realized I had forgotten to record a payment to another creditor. I contacted American Express and asked them not to resubmit the ACH. I was assured that the notation had been made. Two days later, they submitted the ACH again. I called again and was told that my bank would have to cancel further ACH request. My bank told me this was not possible as American Express generated the payment. I called American Express again and was informed that there was no way to stop the ACH automatic resubmissions. In this day and age, I do not believe that they can not stop automatic payments. I incurred {$100.00} in overdraft fees. I agree with the first fee as I did make the error ( however my bank was kind enough to refund that fee ). American Express should have been able to cease the resubmissions. My payment was not due for another two weeks so I wanted to wait before submitting a new payment. American Express has also charged me a {$29.00} return payment fee. Since they just tried to resubmit again, I am certain they will charge me another fee.
Consumer complaint received 2021-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

I applied for a credit card on XXXX XXXX and it wasn't as described in the the approval so I closed the account on XX/XX/XXXX. I did not receive the card and I did not activate the card and capital one listed the account on my credit about XX/XX/XXXX I called capital one and they verified the account was closed on XX/XX/XXXX this account was never activated or opened in any form only applied for
Consumer complaint received 2020-09-18
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (NY)

We are appealing to you again for help, see out previous case. We have been in the process of trying to get a mortgage with Quicken Loans since XX/XX/2020. Originally we were told that XXXX would be no problem. The apartment is worth XXXX and we can easily afford the monthly mortgage payment. 

After many months of running around in circles per their directive we then asked what could we get from Quicken and were told XXXX. 

They are now annualizing husbands income which is XXXX from his last commission check. If you had made the loan in XXXX when they should have this would not have been an issue. 

They got in our way and their own way of issuing this loan in a timely and ethical manner. They are not supposed to let this drag on. 

XXXX XXXX called yesterday and told us that Quicken would give us a {$96000.00} loan. We told XXXX that we would accept this and now we are trying to get the commitment in writing and to find out when we will see the money. Please assist, this has been one disappointment after another not to mention the time and energy we spent. I still want the {$140000.00}. 
XXXX and XXXX XXXX
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I submitted a complaint to the bureaus and they haven't responded on it, it's been more than XXXX  days. They just ignore my disputes and I'm not happy about that, cause it's affecting my name, personal life. PLEASE HELP!
Consumer complaint received 2021-09-15
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (TN)

I havent paid mortgage since beginning of COVID-19. I just want to make sure there is some help for homeowners because it will be a yr almost and Im still behind trying to stay afloat Im on permanent XXXX and all the extra stuff I been buying trying not to caught it put me behind plus now my car is broke Im tryptophan get it fixed I have a lot of meds and doctors appointments. I also saw were there was help for your animals well I have 10 cats that I take to vet and feed to keep me company I had before this pandemic hit they do not go outside but do have to here meds one had a XXXX  one can not XXXX  and the others I raised from tiny kittens because mothers left them my name is XXXX XXXX my address is XXXX XXXX  XXXX TN XXXX, USA and my number is ( XXXX ) XXXX please give me a call about my home my cats my utilities my car and living situation! I stay by myself and I worked from age 14 until young man ran light flipped my car three times XXXX XXXX XXXX and etc. I been here since 1998 in this house grew to children up here and dont want to leave thanks and have a Blessed day. And Im trying to do this on a once a month XXXX check XXXX
Consumer complaint received 2020-09-18
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. (NJ)

XXXX XXXX XXXX Balance Owed : {$24000.00} - I was very sick and was affected by COVID. Please update late payments on this account. 

XXXX XXXX Balance Owed : {$8800.00} - I was very sick and was affected by COVID. Please update the late payments on XX/XX/2020. 

XXXX XXXX XXXX Balance Owed : {$0.00} - I was very sick and was affected by COVID. Please update the late payments on XX/XX/2020. 

XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} - I was very sick and was affected by COVID. Please update the late payments on XX/XX/2020.
Consumer complaint received 2017-08-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (CA)

On XXXX XXXX, 2017, at around XXXX XXXX, I tried to cash a check at the Chase Branch located at XXXX XXXX XXXX. XXXX, CA XXXX. My attorney and I presented a check for deposit to a Teller named XXXX XXXX I explained to XXXX we needed to deposit two checks made out to The Law Offices of XXXX XXXX XXXX and XXXX XXXX XXXX to my checking account. One check was for the amount of {$2300.00} and {$1900.00}. My attorney and I both endorsed the checks in front of XXXX the teller. XXXX refused to deposit the checks because they were made out to me and my attorney. I explained to XXXX I had called Chase 's Deposit Review Department to get the specific instructions of how to deposit my checks. I asked  XXXX to call and verify with the Deposit Review Department for instructions on how to deposit my checks. XXXX refused and went in the back to ask the Banks Manager. XXXX returned and said his manager instructed him he could not deposit the checks. I asked if I could speak to the Bank Manager, so I could explain I had already spoken to The Deposit Review Department before I came to the Bank. XXXX refused to get the manager and rudely told me to get out of the Bank. The Manager had a responsibility to resolve my deposit issue with XXXX. The Manager should make every attempt to resolve any and all banking matters before turning away a customer. Further, XXXX lacks professionalism in his dress as a XXXX. XXXX was dressed in a XXXX XXXX XXXX jacket. A job as a teller is a professional job and should dress accordingly. Tellers need to project professionalism for Chase Bank and their customers.
Consumer complaint received 2020-07-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TX)

I received support from Wells Fargo during the COVID-19 impact and had some issues with them processing transactions on the account. I had been in contact with XXXX XXXX during this period and as indicated during the previous CFPB complaint and we came to a resolution that satisfied what I was looking for in terms of moving two of the payments to the end of the loan. I came out of the COVID assistance program one month early and began making payments on my account in XX/XX/2020. On XXXX XX/XX/2020, I was told to call Wells Fargo to request the payments from XXXX and XXXX be moved to the end of the loan and I made this phone call as requested from XXXX XXXX, and as of XXXX XXXX, the payments still have not moved. 

Out of fear that Wells Fargo would report the account as delinquent because the noticed indicated that I begin making regular payments on XXXX XXXX, I made an arrangement for the payment on XXXX XX/XX/2020. On XXXX XX/XX/2020, I reviewed the account and noticed that Wells Fargo instead on applying the payment to the account, they placed it in a Hold Status because the account was still showing the two deferred payments from XXXX and XX/XX/2020. 

I have attempted to reach out to XXXX XXXX on several occasions and have not received any response back. I believe that this notice that they sent me was just to keep me quiet, but in the end, my account will be reported as delinquent because they have not held up to the promise to move the payments to the end of the loan. I feel that I may have to request COVID assistance again because of this and my inability to make the 2 payments at once which is the reason for the request to move the two payments to the end of the loan. 

I have attached the initial response from XXXX XXXX to this complaint and I have sent an email back to Wells Fargo indicating that I intended to file another complaint against the company. My loan was current at the time of the COVID assistance and now I feel that Wells Fargo will attempt to say that my loan is not current now because of them not applying the payment to the account.
Consumer complaint received 2021-08-11
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: WELLS FARGO & COMPANY (NC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.
Consumer complaint received 2020-05-04
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. (CO)

I tried to co-sign for my grandson to buy a car today XX/XX/2020 and I was unable to do so because I was told that there is an account from XXXX XXXX XXXX reflecting badly on my credit report. This account does not belong to me nor did I allow anyone to open this account in my name. I did not benefit anything from this account such as money, goods, services or any other benefit nor did I ever make any payments towards this account. I have no idea who could have opened this account in my name without my permission but I have already filed a police report as well as a complaint with the Consumer Financial Protection Bureau.
Consumer complaint received 2024-02-23
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. (IL)

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 2023-01-31
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. (IL)

The hard inquiries listed below are items currently within my credit file, and none of these are related applications made by me. It is my official statement that someone and/or several people have applied to these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( XXXX ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these inquiries are fraudulent, and they have known this for several months, but have yet to remove these inquiries from my credit reports. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-08-21
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. (MO)

Experian should not be reporting a repossession on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report along with a copy of my Driver 's License and Utility bill for identification purposes to investigate this complaint. ) The vehicle was sold at auction and sold for more than what was owed. The current balance reporting is false and needs to report {$0.00} balance. This false reporting of a balance and repossession is seriously harming my XXXX XXXX and this line item needs to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureau to remove this however, I have not been successful.
Consumer complaint received 2024-02-23
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am deeply troubled by the inclusion of this late payment on my account, especially considering my consistent track record of making payments on time. This discrepancy is causing me significant distress, and I implore you to promptly correct this error by removing it from my account.