davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-03
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. (MI)

Transunion, XXXX and XXXX under the Fair Credit Reporting Act I am intialed to the documents your client Department of EducationXXXX sent in to open the over {$80000.00} student loan account in my identity. I have been requesting the documents but no CRA have responded yet. Send the documents immediately as required by law. If you can not submit the documents state why? Transunion I was pre-apporved for a personal loan. Transunion against my permission you wrote to the loan company that my debt ratio was to high. Transunion why did tell the loan company this when I was just in the pre-approval process. I had not submitted for a hard pull of my credit report. Transunion you have blocked me from seeing my credit report and filing disputes, I can not see in the account. because you are a partner with XXXX by writing me and saying your going to send my case to an outside agencies. Transuion tell what gives you the authority to keep damaging my credit report and scores. I will see all CRA in court soon. CRA XXXX has no authority to rule on any student loan in my identitication. The real U.S. Department of Education General Counselor had ruled XX/XX/XXXX, Defaulted/Unresolved for FRAUD this mean no student loan servicer to touch this account, no servicing fees will be paid for this account..Nelnet was not suppose to XXXX in custody of the fraudulent loan. XXXX was not to collect servicing fees on the fraudulent loan XXXX can not make any decsion on this student fraudulent loan. XXXX ED can present their evidence in court. XXXX stop me from buying a house. The CRA stop me from buying a house. CRA send the XXXX ED documents. I will see XXXX and the CRA in court soon for damaging my credits and scores CRA YOU BLOCK ME FROM BUYING A HOUSE XX/XX/XXXX CAN NOT MAKE ANY DECISION ON THIS FRAUDULENT ACCOUNT. THAT WAS TERMINATED XX/XX/XXXX.
Consumer complaint received 2023-06-28
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)

Why do you keep on closing my complaints saying that you already processed my earlier complaints about my problem? I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am asking an assistance to REMOVE these fraudulent items on my credit report. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2019-09-22
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERICAN ADVISORS GROUP (CA)

I am XXXX years old and what AAG did to me is not correct. My name is XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX XXXX, email XXXX ( address is also the one in this rev mortgage ) On XX/XX/2019 I received a phone call from AAG reverse sales person XXXX XXXX. The 1st question asked is if I was married and I said yes, separated, going through a divorce but basically 'yes I am still married '' I told AAG , they said we'll work around it no problem, I pay {$120.00} for the counciling fee, I pay {$570.00} for aprasail.the {$650.00} for foundation inspection and I borrowed money to do so. All paperwork approved and in order and the day I was approved and to sign, on XX/XX/19, almost two months later they state that I could not get a loan because I was still married. On the first day AAG and I discussed this and AAG said no problem I will get the loan said I'd get it anyrate. My house is owned 100 %, no mortgage or debt, solely by me, nobody 's name but mine is on it. My house was paid cash by me and Deed states so, BUT FOR AAG TO TELL ME THAT I'M MARRIED AND DON'T QUALIFY ON LAST DAY SUBJECTED ME TO FINANCIAL ABUSE, ( I WAS PROMISSED IN WRITING I'D BE GETTING  OVER $ 70K, AND TOOK OUT LOANS FOR AAG 'S COSTS AND MY BILLS ) I WAS LYED TO, I WAS ABUSED AND I FEEL THE STRESS THEY PUT ME UNDER FOR 2 MONTHS WAS TOTAL ELDER ABUSE AAG SHOULD RETURN ALL MY LOST TIME AND MONEY AND STRESS FOR LYING TO ME ... 2 months of wasting my time and with unbelievable stress for them to lie to me, put me in more debt, I'm going to go to Court not small claims, because they cost me {$10000.00} for a promised payment I did not receive this isn't right. It's Elder Abuse with my money.They still have a lien on my property they never gave me money for, hurting me in other financial directions.
Consumer complaint received 2023-11-03
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. (MD)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : Untitled Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-28
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TOYOTA MOTOR CREDIT CORPORATION (VT)

Toyota Financial Services do not sign any letter mailed to my address. Making the letters not a legal document and/or documentation ( XXXX ) I sent two pictures the last 2 letters from Toyota Financial Services WITHOUT ANY SIGNATURE ( S ) This is a BUSINESS COMMUNICATION AND THAT IS SUPPOSED TO BE DONE. These letters are LEGAL DOCUMENTS.
Consumer complaint received 2023-11-03
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. (PA)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2019-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. IT HAS BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. PLEASE DO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2023-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

XXXX stole late fees from a lump sum payment I made to cancel this fraudulently induced loan per cancel docs. XXXX breached the contract and reports fake fraudulent false info to credit bureaus. Remove debt return embezzled money to XXXX
Consumer complaint received 2019-09-20
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. (WY)

XX/XX/2019 Dear Sir or Madam : I am writing to dispute the following information in my credit file. The item Im disputing is XXXX XXXX XXXX credit card account ending in XXXX, as reported by XXXX XXXX  XXXX XXXX XXXX XXXX, Ohio XXXX. 
This charger off, account record is inaccurate, I am requesting that the account be deleted. And no longer reporting. 
Please investigate this matter and correct the disputed item as soon as possible. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-11-01
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. (CO)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1691i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate, based on the results of the investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2023-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

The issue is causing me significant distress and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault.
Consumer complaint received 2023-11-03
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (TN)

4 years ago I was approved for Citibank MasterCard World Elite travel card and I've continually made on Time payments and have never missed a payment and have never been late on a payment and have always paid more than the payment amount. In XXXX of this year 2023, my mother who was diagnosed with XXXX got into almost fatal car accident which rendered her unable to care for herself so she had to come stay with me and I had to be out of work for 4 months so I was using my credit that I had worked so hard for to get us by. I used a good portion of my credit over these XXXX months and then after paying almost {$11000.00} on this Citibank card to pay down the balance they decreased my credit limit not once but twice. They decreased it all the way down to what was left on this credit card after I paid the {$11000.00} on it, they decreased it all the way down to what I still had to pay off which made it look like I've maxed this card out again with the personal credit companies which affects my credit score which affects everything else.that I've worked so hard on paying off. They have done.this to a lot of other accounts holders and it's really bad business and almost a lie. My credit limit started out at XXXX and then they raised it to XXXX and then they decreased it to XXXX and then they decreased it all the way down to XXXX XXXX with no warning and after I've paid {$11000.00} on this card. Their business practice are affecting my credit score my other lenders and my interest rate and daily living on other things. I have never missed a payment, I've never made a late payment, and I've always paid more than they've billed me. I just think this is really dirty business practice and they are using their corporate power to hurt the consumer. I have paid over {$35000.00} to pay my credit cards off in the last 45 days with {$11000.00} going to this Citibank card. They would have been better off closing this account and allowing me time to pay it other than just making it look like I'm maxing out this credit limit on this card when they've lowered it by {$11000.00} in 2 months and only after I paid {$11000.00} on this card. I really would understand if I was a bad customer or if I was late on my payment or if I missed a payment but in 4 years I've never missed or been late on a payment. I just don't understand how they're allowed to do this and they are really affecting my daily life using my credit for the better good of me and my family.ive worked really hard on myself and my finances over the last 10 years and this unfair practice by Citibank is really affecting me and my credit score, among other things. It goes way past them lowering a credit limit. It's a domino effect and it's a lie.
Consumer complaint received 2023-11-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION (GA)

Fist my account was froze then closed because of a check no clearings I had no clue it was going to close which resulted in my XXXX they processed and took out XXXX! recovery fee they said after telling me they didnt have the check XXXX ssid they did then resulted an eviction on myself because it sounded all to fishy landloard XXXX they had to of gave me the money after XXXX did. My account didnt have a negative balance they already mailed my XXXX ftom my account. I asked them begore all this was done if they could just let me get my XXXX check they said no. Then held it XXXX days. Here I am homeless because of this and lost my car Truist bank XXXX ga
Consumer complaint received 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc. (MI)

( XXXX ) XXXX  you have No Standing in using my identification. 
( XXXX ) XXXX  your note is not binding because it was not completed in a federal lender who orginates federal student loans website required for electronic signatures by the U.S. Department of Education and the Higher Education Act who governs the federal consolidation loan and for other important issues.

( 3 ) Transuion do not send my complaint to any agenies. XXXX just you mentioning this in your letter violatates the Fair Credit Reporting Act for accuracy in reporting. XXXX remove Nelnet student loans off my credit report in 4 days. 

( XXXX ) Nelnet I sent a complaint to the Michigan Attroney General Consumer Protection Complaint and Nelnet responded with tell her to contact the Default Resoution Group.. XXXX  just XXXX mentioning for me to contact that agency violates the Fair Credit Reporting Act for accuracy in reporting on my credit reports I will not be contacting ED Default Resolution Group . 

Nelnet your note was terminated XX/XX/2023 for not being done in the federal orginator lender website and other important issues. XXXX  remove yourself off my credit reports immediately with in XXXX  days.
Consumer complaint received 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to formally raise a complaint about my initial attempt to remove fraudulent items from my credit file. It is disheartening that I must address this issue, as the fraudulent items negatively impact my financial standing and creditworthiness. I am seeking your immediate assistance to rectify this matter. 
I discovered that my credit report issued by Credit Bureaus contained multiple fraudulent entries that are not connected to my financial activities. My initial dispute was submitted with the required documentation, including evidence to support the fraudulent nature of these entries. However, despite my efforts, these fraudulent items remain on my credit report. 

I kindly request that you take the following actions to address this issue : Re-review my initial dispute and the evidence provided to remove the fraudulent items from my credit file immediately upon confirming their fraudulent nature. 

Investigate the origin of these fraudulent items and take necessary steps to ensure that they do not reappear on my credit report. 

Provide me with written confirmation once these fraudulent items have been removed from my credit file. 

Ensure that no further negative impacts occur on my credit report due to these fraudulent entries. 

I understand the importance of maintaining accurate credit reporting, and I trust that Credit Bureaus takes these matters seriously and will work diligently to rectify this situation promptly. 

Please consider this letter as a formal notice of my complaint. I expect a response within the exact timeframe from the date of this letter. It is essential that these fraudulent items are promptly removed from my credit file and that the issues are fully resolved during this time frame. Failure to do so may necessitate further action, such as seeking legal remedies or contacting the appropriate regulatory authorities. I am asking for your assistance to remove the fraud items : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXXXXXX 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 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 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I have a goal of getting a house as soon as possible, and been trying to call the credit bureaus for the past weeks now but their automated system is not user friendly and it just keeps on wasting my time. Please remove those alerts asap so that I can move into my new home. Thank you.
Consumer complaint received 2023-11-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NJ)

This is in regards to a high dollar fraud at Wells Fargo Bank. On XXXX XXXX, XXXX, my son XXXX received a notification regarding a negative balance of our joint checking account. ( real account ). XXXX XXXX, XXXX, there was an unauthorized creation of a fake account under my name. Same day, an amount of {$2400.00} was cash advanced by the hacker from Wells Fargo Visa Credit card and transferred online to the fake account created. Since then {$1000.00} cash were withdrawn everyday from the Fake account. Also there was unauthorized deposit of {$5000.00} twice to the real checking account from unknow person. The $ XXXX was transferred online to the Fake account. From there the hacker tried to withdraw again the funds. Hacker tried to transfer the remaining {$5000.00} to the fake account but was returned due to insufficient funds ( negative balance ) .The real account was submitted to my son 's payroll for his direct deposit from work, autopay for his voluntary contributions to agencies and to the US Dept . of Education student loan for his automatic withdrawal payment beginning soon. 

We submitted a Police report on XX/XX/XXXX and created this Complaint as well at CFPB. 
Contacted Wells Fargo and gave us an executive case number. We were told that it could take a little longer to find resolution on this case.
Consumer complaint received 2023-11-03
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: Experian Information Solutions Inc. (FL)

I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I am writing to express my concern regarding the unresolved status of my account despite multiple attempts to rectify the situation. To date, I have submitted three separate requests via your website, email, and telephone services to address an issue pertaining to my account balance, which has been paid in full. Regrettably, I have not received a response, nor has the matter been resolved.

Furthermore, I have initiated disputes with all three major credit bureaus as my account continues to inaccurately reflect an outstanding balance. Despite these efforts, the credit reports remain unchanged, indicating that I owe a balance that is incorrect.

I earnestly request your immediate attention to this matter. Prompt and decisive action to update my account status with the credit bureaus is imperative to rectify this error.

Thank you for your attention to this matter. I am looking forward to your prompt response.