davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-22
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)

Transunion is reporting old student loan debt from XXXX that has been consolidated under a XXXX XXXX Consolidation loan from years ago as open and in good standing when the loans do not exist anymore. I printed copies of my federal loans from the department of education as proof and they still show all of these individual XXXX loans as being on their own when they are a part of the giant student loan consolidation loan. They also have added tens of thousands of dollars illegally to the amount of student loan debt that I actually owe and have been dropping my credit score each month by 38 to 70 points for no reason. I called XXXX and they said Transunion had to fix it. I called Transunion and they said XXXX had to fix it. I mailed both companies copies of my student loan debt from the Department of Education nd neither had removed the individual closed loans from my credit report. XXXX and XXXX have my loans right and I even told Transunion this as more evidence. They did nothing innresponse and I have called and they still do nothing. Meanwhile my credit score fluctuates illegally every month and the student loan debt is wrong and is impacting me getting a mortgage and has stopped me from getting a mortgage.
Consumer complaint received 2017-09-23
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: WELLS FARGO & COMPANY (IL)

On or around XX/XX/XXXX, I purchased several furniture items from XXXX XXXX store in XXXX, Illinois. When my financing application was approved, I realized that XXXX customers finance accounts are being serviced by Wells Fargo ( WF ). Had I been advised prior to the transaction, I would have declined the financing and credit from Wells Fargo. 

After I purchased and received the furniture from XXXX, I then expected to receive a monthly statement from WF. On XX/XX/XXXX, I received my first statement from WF for the purchased items from XXXX. I was surprised when I noticed that my first statement has a past due amount of {$40.00} and a late charge of {$27.00}. I immediately called WFs customer service after XXXX ( CST ) on XX/XX/XXXX to notify them of the error, but the automated voice instructed me to call during business hours. 

On XX/XX/XXXX at around XXXX, I called WFs customer service again and the call was routed to the XXXX. I spoke with a gentleman named XXXX who agreed to waive the late charge as long as I pay the past due balance. I refused to pay the past due balance noting that there should not be any past due balance on my account because the account is new and it is the first monthly statement. In addition, I asked that the late charge be removed immediately including the derogatory notation of a past due charge indicated on the account. 

Further, I also declined to provide my personal, sensitive information to an offshore WF representative for fear of identity theft and potential misuse of my personal information. I told the offshore representative that I prefer to set up a WF account online and pay there instead in order to make a record of my payment. I have every intention of paying my debt to XXXX through WF and will pay said debt as long the amount and records are accurate. I attached a copy of my first bill from WF with the account number and my address redacted for security reasons. Please investigate on this matter and contact me for any additional information you may require to assist you.
Consumer complaint received 2021-02-19
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 (NV)

On XXXX 2021, Capital One froze my account based on fraud. I called them to clear it up and was sent to their XXXX Capital One Fraud Dept. They made me upload my Nevada Driver License, Social Security Card Number and a utility bill to verify my address location. THIS IS TERRIBLE that they are kyc'ng me after I've been with them for 20+ years. I called them several times in the following days to follow-up on my case ( card is frozen now and I guess I'm considered a fraudster to them ) and nothing has been done. They say they have 7-10 business days to review my case. Today is XX/XX/2021 and my card is still frozen. Its been 12 business days thus far. I truly believe I've been discriminated against by the XXXX capital one fraud team because I complained to them accusing them of discrimination, harassment and such. Because of my actions, they threw my case in the trash can. Today, they say they will call me back in 2-3 business days.
Consumer complaint received 2017-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MA)

I called Equifax regarding a few things on my credit report that were n't authorized upon doing so I was asked to verify several information I did so and was told my date of birth was incorrect the birth year they have for me is XXXX I was born XXXX XXXX XXXX I then asked the rep for the information to upload my drivers license and social security card she refused to provide that information there are things such as personal information that was incorrect and also inquires listed that I did not authorized. I also have a fraud alert on my account because my wallet was lost. Then once the breach hit and I found out I was affected by it all of a sudden all of these things are listed. There is even an account on my report from XXXX I was n't even born in XXXX I will attach that as well
Consumer complaint received 2022-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I XXXX XXXX XXXX filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. 
These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.
Consumer complaint received 2021-09-09
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Four Directions Lending LLC (WA)

XX/XX/XXXX, XXXX received a {$1500.00} loan from this East Line Lending during a time where work was slow because of the pandemic. I was told I would not have an early off fee but the interest rate for the early pay off is higher for each day when you go to pay it off. I have paid this company well over {$1500.00} already and they are still trying to get me to pay more. They called my employer and stated they would be doing a garnishment and that I was aware of this. I have not received any court filings or any communication from East Line regarding a garnishment. When I spoke with East Line they told me I received something via email. I have searched my email and there is nothing in my email regarding a garnishment. I have asked for access to my contract and still don't have that. This company is taking advantage of people during the pandemic. I understand paying off my loan and within reasons but {$6000.00} or more for a {$1500.00} loan is insane.
Consumer complaint received 2021-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (NJ)

I dont recognize this public record so I contacted the courts and they stated that the information I gave them didnt match that I ever filed bankruptcy in their court. Please provide proof from the court of this public record. I never filed bankruptcy ever in my life this public record on my report is inaccurate and I demand that it gets deleted immediately
Consumer complaint received 2018-03-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (CA)

I generally pay my credit card balances in full every month by the due date and did so in this case. I use an electronic bill paying system through my credit union. This issue is from my XX/XX/XXXX payment on my Chase Visa credit card billing statement for the amount of {$3500.00}. Payment was due on XX/XX/XXXX. My credit union 's records show that they made the payment electronically on XX/XX/XXXX ( confirmation # XXXX - see attached ). Chase Visa did not post or credit the payment until XX/XX/XXXX and charged me a {$35.00} late fee plus interest of {$77.00} ( XX/XX/XXXX ) and {$38.00} ( XX/XX/XXXX ) for the last two billing cycles. 

I intially called Chase and they refused to reverse the charges stating that the payment was two days late. After I confirmed with my credit union that the payment was processed electronically on XX/XX/XXXX, before the due date, I called Chase again. They agreed to reverse the late fee and first month 's interest charge ( {$77.00} ) as a " courtesy '', but they would not remove the the additional {$38.00} interest charge on my XX/XX/XXXX billing. They admonished me to pay my bill earlier to account for weekend delays in their payment posting procedures. 

I reminded them that this was an electronic payment and should post immediately and that XX/XX/XXXX was a Thur. giving them two " business days '' to have processed the payment. They refused to refund the remaining {$38.00} interest charge or any subsequent interest charges resulting in their not posting my payment when received. 

From my perspective, I did everything correctly and in accordance with standard financial procedures. I followed exactly the same payment procedures that I have always done before without incident. They received full payment prior to the account due date. It is their error and/or inefficiency that caused the late fees and interest and they are requiring that I be financially responsible for their errors.
Consumer complaint received 2021-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (FL)

After sending several disputes to XXXX, XXXX and XXXX  in regards to an account on my consumer report reflecting inaccurate information I am receiving the decision that this account is being verified and continues to report several inaccuracies. On XX/XX/XXXX after speaking with a representative from XXXX in regards to the inaccuracies showing on the account I asked if I could see the proof of Verification as they claim to have verified the information as accurate. I was denied this information as they stated that they do not provide the proof of verification. I was then instructed to call TD Auto Finance to obtain a copy of the contract to prove the inaccuracies that is currently being reported as far as the past due amount and the fact that this account has been closed for several years and not open as it is currently reporting as an open account. After speaking with 2 different agents from TD Auto Finance plus a supervisor on XX/XX/XXXX I was told that they are unable to provide me with a copy of my contract due to the fact I was unable to answer 1 of the several questions to prove my authenticity ( even though I provided my SSN, name, D.O.B, address at the time and the Dealership where the car was purchased from. I then contacted the dealership and ask could I get a copy of the cont tract and I was told that after 5 years they shred it leaving me with no other option to resolve this situation which has caused me financial hardship due to the inaccurate information that is currently reporting on my consumer report.
Consumer complaint received 2017-09-22
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: DYNAMIC RECOVERY SERVICES, INC. (WA)

I get multiple calls from all sorts of different XXXX numbers throughout the week. When I looked these numbers up they all resort back to XXXX XXXX, XXXX. Message states XXXX XXXX XXXX. I refuse to answer anymore calls from these random numbers. My phone rings as early at XXXX thru XXXX or XXXX XXXX. I think I have 8 different numbers coming from same company.
Consumer complaint received 2021-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (VA)

XXXX XXXX XXXX filed in public record a certificate of sale for the property they continue to report negatively as late/missed payments that public record shows it was sold back to the association two years ago. Date opened XX/XX/XXXX for a balance of {$10000.00} and an original balance of {$20000.00} for a 10 year loan. The status as of XX/XX/XXXX states open with {$9500.00} past due as of XX/XX/XXXX.
Consumer complaint received 2021-05-22
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.
Consumer complaint received 2017-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (CO)

Back in 2011 I paid one of our payments on line. We were notified that the payment went thru on their online system. It was n't until months later that we were notified that it did n't go thru. By that time we had 3 -30 day late payments on our credit report since it had put us a payment behind by not having that payment go thru. We were told that the problem would be fixed with the credit bureaus by the company but it never was and we have tried repeatedly to have it removed by disputing it with the credit bureaus with no success.
Consumer complaint received 2017-07-27
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)

TransUnion was reporting outdated information ( from XXXX 2017 ) regarding a XXXX XXXX credit card account for which I am an authorized user. My wife is the primary account owner. We contacted TransUnion and they advised that they had simply not received updated information from XXXX XXXX  and that we should submit a dispute. We were not advised that by submitting a dispute, TransUnion would delete / completely remove the account from my report. Removing the account was the incorrect action and not what I requested. The account was correctly showing up on my report, but the balance and payment information simply needed to be " refreshed ''. The removal of this account caused my TransUnion credit score to drop by over XXXX points, which has prevented my wife and I from being able to apply for a home loan. We requested to withdraw the dispute from TransUnion, but they advised that this was not possible and that the only way to resolve the matter would be for us to contact XXXX XXXX and request that they either call the " local TransUnion marketing office '' or submit a request to update. We submitted documents in writing to both TransUnion and XXXX XXXX requesting this. XXXX XXXX  advised that they can not call the marketing office and repeated efforts to request them to do so have failed. XXXX XXXX advised that they investigated out situation and sent over a request to TransUnion on X/XX/2017. TransUnion advised that upon receive such a request it would take 5-7 business days to update the information. However, I called today and they are now stating that they have NOT received any kind of request and that the only way to get the account correctly reinstated to my report is to have XXXX XXXX call the office ( which they refuse to do ). TransUnion is now also stating that there is a " technical error '' with my file / report and giving me the " run around '' each time I call. XXXX XXXX refuses to assist further.
Consumer complaint received 2021-09-09
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MI)

I have sent multiple letters asking for validation and the method of how they validated multiple fraudulent and questionable items on my credit report and have not received back anything in over 45 days for these accounts that are clearly inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers, and this has caused a big XXXX  on my life.
Consumer complaint received 2017-12-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (WI)

A Debt in the amount of {$6000.00} from National Credit Systems is being reported on my Credit Report.The Debt in question is from an XXXX I leased. I contacted the company on XXXX/XXXX/XXXX ( Spoke to XXXX ) XXXX/XXXX/XXXX ( Spoke to XXXX, & XXXX/XXXX/XXXX ( Spoke to XXXX ). I requested Validation of the Debt. I asked NCS to show me how they calculated what they assume I owe. The company replied with a lease agreement but no transaction history.By law If you saying I owe a Debt I am legally able to see how it was calculated & NCS & in compliance. Secondly, there are inaccuracies on all 3 Bureaus. Ill explain.On XXXX its reported it was opened on XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, & XXXX XXXX/XXXX/XXXX. NCS is Violating FCRA 609, 611, & 623. Please be mindful I am keeping track of when you received it & who I speak to.
Consumer complaint received 2018-01-05
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Neon Newco Corporation (VA)

Hi, My son had received a {$100.00} gift card from his school XXXX in XX/XX/XXXX. This is a netSpend XXXX Debit card and was bought from XXXX grocery store. The card was activated at the time of purchase. In XX/XX/XXXX when we tried to use the card we were unable to ( which my son wanted to use for XXXX ). So, I decided to register at netSpend.com add the card to see what was happening. I can see that a monthly fee of {$5.00} was being deducted and the card shows balance. However, it also shows the card is expired. When I attempt to call the card issuer on the phone number listed on the back of card, it does not recognize the card and does not allow reaching customer service. I tried reaching the customer service on the website but that does not allow reaching the customer service without completing a security profile. The website does not allow me to setup a security profile without a valid card ( unexpired card ). 

It is frustrating that there is no way to reach this company other than writing to them via mail. By the time my mail reaches them they would have deducted another monthly fee. My son is greatly disappointed that he can not spend a reward he earned from his school. The card shows a balance that is depleting every month, yet it shows it is expired. Attached are the statement from XX/XX/XXXX and also the card activation history and expiration date. This is pure deceit of unsuspecting consumers. 

I hope this company is banned from issuing cards that expire, especially when there is balance. I am sure there are many out there like us.
Consumer complaint received 2022-02-14
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: TRUIST FINANCIAL CORPORATION (LA)

I did some research on why this company has never offered billing statement sent in the mail and they have told me they dont do mailings in the post office because they are a paperless company. This is what I have sent them and they still denied that they will send me a billing statement in the mail. I was reading one of your rules online about the Consumer Financial Protection Bureau ( CFPB ) issued a rule that a mortgage creditor or servicer ( the company you make your payments to ) must send periodic billing statements to the borrower. This is called the periodic statement rule, and it went into effect XX/XX/XXXX, XXXX they are rule breakers and have denied my request to send me a statements in the mail. If they are a lender then they must honor the rules to be a lender.. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX A XXXX XXXX, LA XXXX XXXX XXXX
Consumer complaint received 2021-09-09
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

There was a decrease in my Transunion score and I went to their site and notice several information in which I corrected via dispute. Then I tried to go back and disputed the -55 decreased in score which their system did not allow, so I started a chat chatted with agents ( XXXX ), after chatted with the first one she could not assisted and terminated the chat. So, I saved the chat contents and I started again with agent XXXX and after I submitted my question that one ended the chat, our need to know and accuracy of information they have is/are questionable. This is a ridiculous since I am to finance a condo for me. Please help, thank you
Consumer complaint received 2020-10-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Telerecovery Corporation (LA)

XX/XX/2020 a statement was sent directly to Telerecovery XXXX letting them know I have no knowledge of the debt they are wanting to collect. There is also no written contract between us. I know nothing about this debt which is not right. They continue to call during busy work hours as well no matter what.
Consumer complaint received 2018-03-26
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: Bread Financial Holdings, Inc. (NJ)

I have unauthorized inquiries reporting on my XXXX report. I have contacted the XXXX XXXX and XXXX as well as XXXX for the six inquiries and still no results. 
1. XXXX XXXX 2. XXXX 3.XXXX XXXX 4.XXXX XXXX 5. XXXX XXXX 6.XXXX