davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE XXXX  DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX XXXX # XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-10-23
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Home Loan Center, Inc. (TX)

I was on my XXXX  yesterday and saw an advertisement for a mortgage with an interest rate of 2 % with and apr stated of 2.14 %. I swiped on it and filled out information for a call back, only to be told that lowest rate possible would be 2.25 % and I would have to pay an extreme amount of fees to get that, which would make the apr way higher than 2.14 % bc that takes into account the fees spread over the life of the loan. This is not just false advertising, its deceptive practice and is against the law. Lending Tree is the parent company that it went through, but it was also under the name XXXX, XXXX XXXX XXXX, XXXX ... .... they all are click bait for lending tree to sell my information to a local lender, who, has no clue what they are advertising and aren't able to deliver. This violates the advertising rules and is exactly what the laws were designed to stop.
Consumer complaint received 2020-08-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BARCLAYS BANK DELAWARE (GA)

I tried several times to call them, write them letters stating that account was open without my knowlegde provided policy report and followed identity theft recovery steps. 
They reported me to collection department.
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IL)

I am taking the measures to sue equifax if you do not remove these accounts, inquiries and update my personal information. I provided my identification online through the disputes, ftc reports, statements and everything that they ask for. they have my birthday wrong, my name, addresses that arent mine, employers that arent mine, inquires I didnt authorize and the creditors dont even have records of me or accounts, accounts that dont belong to me, and equifax is the only company that refuses to remove anything and make up excuses in the letters saying to provide things I already provided I have been having issues with equifax for years now and I am fed up with this.
Consumer complaint received 2020-07-08
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: SYNCHRONY FINANCIAL (NV)

PayPal Credit dispute Case ID : XXXX I purchased an item ( soldering XXXX ) online from a U.S. based company, XXXX XXXX and paid immediately using PayPal Credit, on date of XX/XX/2020. 
Item was not received ; complaint/dispute was filed XX/XX/XXXX. PayPal policy states a maximum of thirty ( 30 ) days before refund may be issued. It is XX/XX/2020. 
Other issue is PayPal Credit Never sends a bill, by USPS or online, yet charged a late fee. Upon logging on to PayPal site noticed bill was due XX/XX/2020, still no bill ever received and spam of junk mail always checked. Still ignorant of any fact or policy practice ; PayPal site states the payment of {$39.00} is " Almost Due ''? Picture of this fact taken XX/XX/XXXX XXXX XXXX PST. Earlier that day after seeing bill due IO mailed a check for {$200.00} which was more than the {$170.00} and change shown as due. By XXXX XXXX XX/XX/XXXX, PayPal site showed an addition to the prior amount now being more than the {$200.00} sent. PayPal is impossible to contact and blames COVID for such excuse ; when we are all aware that most all business utilize a " work from home '' crew. 
Once upon a time when PayPal was XXXX it was fair to both merchant and purchase person. Since ownership is now Synchrony Bank, all is terrible and nearly non-functional. My credit is currently XXXX and needs no reason for dropping due to ignorance of a company 's own policy. Pictures, if needed can be furnished for further proof. 
Please Help.
Consumer complaint received 2020-07-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (VA)

PNC does not allow one to link their banking data to various systems online. I have to use another bank account instead of PNC to link to systems and it's quite annoying to not be able to monitor transactions in my primary bank account by linking to other online platforms and systems. For example, I'm a XXXX. I've tried to link transactions to XXXX, an online rental platform, it says PNC won't do it. I've tried to link to another rental platform, same problem. And now I'm trying to link to XXXX to manage rental payments - won't allow me to connect the PNC account. Not cool.
Consumer complaint received 2023-03-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (PA)

TRANSWORLD SYSTEMS INC had purchased a debt from XXXX XXXX XXXX CO and is now attempting to hold me liable. 
I do not have any contract with TRANSWORLD SYSTEMS I and no obligation to pay, offset or discharge any debts not owed to them. 
I've asked for the Original contract with wet ink signature identifying the liable party making a claim that I owe a debt ( to them ) yet I have not received anything. 
This has negatively impacted my credit score. 
The amount of {$86.00} is attempting to be collected from a man but no other wo/man has identified themselves as the owed party.
Consumer complaint received 2021-07-20
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: EQUIFAX, INC. (OH)

Equifax sent me a stall out letter saying that they couldn't find my credit file when I sent in my two supported documents with my dispute letter. But I disputed an account that they furnished into my consumer report without my consent. They are in violation of USC1681b and those accounts need to be removed. In my letter I asked forA CONTRACT WITH ME AND EQUIFAX SHOWING THAT I GRANTED THEM PERMISSION TO FURNISH THE LISTED REPORTS BELOW ONTO MY CONSUMER REPORT ( PLEASE HAVE SENIOR EXECUTIVE WRITE IN AFFIDAVIT SHOWING PROOF THAT I GRANTED THEM PERMISSION TO FURNISH THESE ACCOUNTS. Failure to provide me documentation of my signature giving them permission, I need the accounts i listed removed immediately.
Consumer complaint received 2024-01-12
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (MI)

I requested XXXX XXXX XXXX internet be installed in my apt around XX/XX/year>. A workman left after installing the internet and 2 rogue gentlemen showed up at my apt door to speak to me about switching to their wireless service, unannounced ( I didn't request any additional services from XXXX XXXX XXXX XXXX. I spoke to them about changing wireless carriers, ( which never occurred ) and I paid a fee for a new XXXX phone and XXXX  watch. Approximately, 7-8 days later XXXX XXXX XXXX sent an XXXX watch to my fathers house, and a new phone to the same location, which arrived approximately 6-7 weeks later. That was not what I was told about the equipment/service and the cost was higher than I was told. I contacted XXXX XXXX XXXX who could not find my account, as well as the salesmen who came to my house. I received no assistance initially from either and I felt I was being duped. About 10 days after that, XXXX XXXX XXXX debited my account on XXXX individual occasions for these phone/watch/activation service fees, this caused numerous NSF fees. Several screaming calls to XXXX XXXX XXXX later, yielded a customer service representative who located my account, he claimed that my account wasn't labeled correctly and that's why none of the other representatives to locate it and he was able to refund some of my money. That customer service representative told me I was being debited continuously so that XXXX XXXX XXXX  could get their money upfront and that the debits would continue. At that point, I sent back all of the equipment. I have the returned equipment receipts from XXXXXXXX XXXX XXXX I had to cancel that debit card to stop the repeated debiting. I do not owe XXXX XXXX XXXX any money for any services other than internet service which is current, I don't have or want their wireless service, cable service or any other services from them.
Consumer complaint received 2024-01-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have provided TransUnion will all requested documents for my identity theft case and unlike the other 2 credit bureaus they continue to refuse to remove fraudulent information from my credit report. File number XXXX. I have provided an FTC identity theft report, a police report affidavit and all identity verification documents that are required. This is in regard to the fraudulent account opened in my name with XXXX XXXX. XXXX complied with the requests and the law but TransUnion is refusing to do so. TransUnion is in violation of the Fair Credit Reporting Act in continuing to not remove a fraudulent account from my report. They are basically saying I am a liar when i have been the victim. You are harming my ability to obtain any new credit. 

As clearly shown by the legislative history of the FCRA identity theft revisions, of which section 605B is the key provision, the purpose was to avoid any involvement of the furnisher or CRA in investigating the issue of asserted identity theft. If the consumer is willing to make a sworn statement before law enforcement, which carries criminal penalties for knowingly false statements, then that assertion itself is adequate to block the information from the consumer 's credit report. Conducting an investigation of the furnisher 's reporting is not part of the identity theft blocking process, and is not basis for denying the block under section 605B.

Their action appears to thus be willful noncompliance with the statute, subjecting them to punitive damages and court/legal fess, per FCRA 616. I will be seeking these damages against TransUnion if this fraudulent account information is not removed from my credit report immediately.
Consumer complaint received 2020-10-31
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: Credit Plus Inc (TX)

XXXX XXXX - Closed Exceptional payment history Account Info Tap labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Auto Loan Balance on XX/XX/XXXX Loan Amount - {$25000.00} Payment Info Status Paid satisfactorily Status date XX/XX/XXXX Past due amount - Original loan amount {$25000.00} Monthly payment - Late payments - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX On Time Data Unavailable Additional info Responsibility Individual Terms 73 Months Company sold - Original creditor - Comments - Your statements -
Consumer complaint received 2024-01-11
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. (FL)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
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 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (IN)

XX/XX/ welcome to XXXX letter received. Federal loans will be transferred to XXXX in 30-45 days XXXX XXXX XXXX congratulations, list of all federal loans transferred and taken out of default, transferred to XXXX and placed back into good standing. 

XXXX XXXX. XXXX. Welcome! List of federal loans and a disclaimer. Credit Report Infomation : We will not be reporting some or all of your loans to the credit bureaus, even if you eventually fall behind on your loans. Your loans had been in default for so long the Department of Education deleted the tradelines from your credit file and under Fresh Start we will not be reporting these loans unless you consolidate the loans. 


XXXX XXXX XXXX  Notice of TPD Discharge. Shortly there after, NelNet added 160+ derogatory marks to my credit reports, causing a catastrophic mess. 
No apologies. Basically, it is a means by which they can punish the XXXX person asking for relief. 

CFPB XXXX NELNET OMBUDSMAN have all been severely unhelpful.
Consumer complaint received 2023-02-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (CA)

Discover credit card services is a scam organization. I submitted an application fee of XXXX $ for a graduate school application. The university demanded XXXX $ more after they got the initial XXXX $ payment for processing the application further. This is like a honeybait scam the university is trying to do. I emailed the university and asked them that I don't need to study at such a university if they have no ethics, and politely redacted my application. There was XXXX service availed by me at this university. I paid the university fee using my Discover credit card. This scammy credit card company first resolved the dispute in my favor. But the sheer audacity of this company is that it tried to sneak in the fee 1 month later under " chargeback repost. '' If I searched the university name in my transactions, it appears that the credit card was not charged, since there is a refund. But, there is an additional XXXX $ titled chargeback repost that does not show up when I search using university name. This is how Discover operates.
Consumer complaint received 2020-10-31
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: EQUIFAX, INC. (GA)

I reopened my XXXX XXXX Account after paying the balance down to XXXX. I have been using the card for three months now and each month the card is being reported as closed on my credit report even though the account is open. I have spoken with XXXX  XXXX ad even submitted a dispute. A representative from the corporate office called me a week ago. The representative was dismissive and she said all the from what she could see all the bureaus reported the account as open. However when I pulled all 3 reports from XXXX, equifax, XXXX  all 3 bureaus are showing the account closed. This violates my right to fair reporting and I would like the issue to be resolved or like to file a formal complaint with the state regarding this company. I have disputed this account serveral times and every month its being reported as closed. I need to make sure this account stays on my account each month as open as it will affect my ability to purchase a home. Please help. 

Thank You,
Consumer complaint received 2020-10-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AXOS FINANCIAL, INC. (NE)

I previously had a mortgage loan with Axos Bank on my primary residence. That loan was paid in full ( through a refinance with another lender ) on XX/XX/2020. 

Since that time, Axos Bank has continued to auto-debit mortgage payments from my checking every month on approximately the XXXX of each month. Thus far they have taken five payments from my checking account *since the loan was paid off*. After each debit, they do send a check to reimburse the amount, but it takes about 3-4 week to arrive. 

I have attempted to resolve this issue with Axos Bank multiple times. Each time they promise the checking account auto-debit has been taken care of. 

I would like these debits to immediately stop, as well as Axos Bank to pay me interest on the debited funds, and a penalty for my time and trouble resolving this.
Consumer complaint received 2024-01-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-11
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. (CA)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/ but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$22000.00} XXXX XXXXXXXX Balance : - XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX Balance : {$22000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX Balance : {$23000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : -
Consumer complaint received 2020-10-31
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (NY)

This is a follow up to XXXX. CItibank closed my checking and savings account and offered me no reason for their actions. I opened a checking and savings account at Citibank on XX/XX/2020. Currently there is a combined balance of approx. {$9500.00}, mostly funded by direct wires from my XXXX XXXX. 


Not only was a left with no money for bills. When the set me a refund the check for my savings account it was for {$2000.00}. The balance, or amount the stole from me for that account was {$8000.00}. Hence, I am missing {$6000.00}. They refuse to give me a reason for the egregious error or will not tell when, or if my funds will be returned. 

They also stole the balance from my checking account. {$1500.00}.
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IN)

XX/XX/ welcome to XXXX  letter received. Federal loans will be transferred to XXXX in 30-45 days XXXX XXXX XXXX congratulations, list of all federal loans transferred and taken out of default, transferred to XXXX  and placed back into good standing. 

XXXX XXXX. XXXX. Welcome! List of federal loans and a disclaimer. Credit Report Infomation : We will not be reporting some or all of your loans to the credit bureaus, even if you eventually fall behind on your loans. Your loans had been in default for so long the Department of Education deleted the tradelines from your credit file and under XXXX XXXX we will not be reporting these loans unless you consolidate the loans. 


XX/XX/2023. Notice of XXXX  Discharge. Shortly there after, XXXX added XXXX derogatory marks to my credit reports, causing a catastrophic mess. 
No apologies. Basically, it is a means by which they can punish the XXXX person asking for relief. 

CFPB XXXX XXXX XXXX  have all been severely unhelpful.