davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-04
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. (MI)

As of XX/XX/XXXX   TransUnion reported back inaccurate info ( XXXX XXXX XXXX XXXX ) of 30+ Days Late. XXXX has already made the correction on their end however TransUnion customer rep claims they were never sent appropriate documentation from XXXX. Reporting inaccurate information is a violation of the FCRA under section 623 ( a ). To avoid a civil rights lawsuit, I am requesting TranUnion to remove these late payments from within my credit reports, and to list this trade-line as paid as agreed and/or never late later than five business days or if not I will not hesitate to seek legal action against you.
Consumer complaint received 2023-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I have sent many letters with no response. Attached is the letter showing all of the accounts that need to be verified with the creditors. 

Please verify the account number, account type, account status, monthly payment, date opened, balance, high credit, credit limit, past due amount, payment status, last reported date, comments, date last active, and date of last payment. They appear to be incorrect.
Consumer complaint received 2023-08-04
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. (NJ)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2019-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

MAY, REPORT UP TO 10 yrs. " UP TO '' is the wording stated in your review of credit reports, interpretation means, at ANY TIME, any disputed or stated item on a credit report can be removed at any time from initial report ( day one ) UP TO 10 years.
Consumer complaint received 2019-11-10
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (CA)

I don't remember the exact dates but my credit limit was XXXX i had attempted to pay XXXX to my credit card but they kept charging a card that i didn't have and when i tried to dispute it with them so they charged the right debit card they shut my card off and then added all these fees i don't owe i tried to pay off my card they refused to work with me and closed my credit card acct with them so i am disputing that i do not owe them almost XXXX they wrongfully closed my acct
Consumer complaint received 2019-11-10
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. (CT)

Since XX/XX/2019, I found there are two XXXX XXXX XXXX credit cards accounts on my Experian credit report that don't belong to me, under an address I have never lived at. I have since disputed with Experian. Called them numerous times that they always come back saying information is accurate on their end, and wouldn't remove the accounts or address. I contacted XXXX  XXXX XXXX numerous times. They couldn't find the two accounts under my information. They sent me a letter to confirm it. I sent the letter to Experian and continued to dispute the two accounts. They still come back with results saying the two accounts were confirmed to be mine. 

On XX/XX/2019, I filed report with local police. The detective is working on the matter for me. He told me also file a complaint here.
Consumer complaint received 2019-11-10
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. (AZ)

I contacted trans union and advised them that I was a victim of identity theft I notified them of two accounts thats are fraud as well as inquiries that were not mine. I ask them to block those accounts and remove the inquiries it still has not been done. I provided them with a police report as well as a theft affidavit and they still treated it as a regular dispute the agent did not handle my request properly Im tired of being a victim of identity theft and having to call all day with no resolution I plan to take action against them if this is not resolved
Consumer complaint received 2019-11-12
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: NAM National Arbitration and Mediation (NH)

I have recieved many many many robo calls from various numbers - threatening action, and that a complaint has been filed against me, a claim has been opened, contact your attorney, etc ... on my cell, home, and parents number. Never anything in writing, nothing on my credit report, never giving a company name. All calls are either fully recorded messages or what seem to be partially recorded. 
Today I recieved a call that went to the main switchboard of my work - the call/message was relayed to me by the person answering the phone at the front desk! This is a new job that I have only been at for 8 months and the only place my main work number has been updated associated to me is my online XXXX XXXX  profile, and my online XXXX XXXX profile. To me this means these sites were either hacked, or personal information is being shared/sold to unscrupulous companies. 
Even unfounded these types of calls impact my reputation at my place of employment given the harsh language and threating messages.
Consumer complaint received 2019-11-11
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC. (TX)

XX/XX/XXXX Midland Credit management removed all of my funds from my XXXX  XXXX XXXX checking and savings accounts, and continue to do so, in addition to removing {$15000.00} from my checking and {$1500.00} from my Savings putting me into major negative. I spoke in person and on the phone multiple times with XXXX  XXXX XXXX and they claim this is a garnishment, with no proof or documentation provided that this is a valid garnishment. Midland Credit management said they believe I opened a credit card in XXXX for {$2500.00} and had a court case with the credit card company, which is false and this debt has nothing to do with me. None of my credit reports show this at all and I have no derogatory marks on my credit. Midland CM still continues to take funds out of my accounts, including my XXXX  XXXX payment. I have had zero communication with this company prior to this action to my bank accounts and there have been NO papers served to me, no documentation given to me about any court case. They do not have the right to take my funds out of my accounts and an additional {$31000.00}. XXXX  XXXX XXXX has not protected my accounts and they also have not contacted me about these actions prior nor have they shown any documentation proving that this garnishment is valid. I have formally disputed this as an invalid and false garnishment under Regulation E. I have filed a report with the XXXX Police Department Financial Crimes Division case # XXXX. XXXX   XXXX XXXX has a fiduciary duty to protect my funds. I have excellent credit and just recently obtained an auto loan and credit card with XXXX  XXXX XXXX a couple of weeks prior to these events.
Consumer complaint received 2019-11-11
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: FACTUAL DATA CORP. (TX)

To whom It may concern, I am writing to request the removal of unapproved credit inquiries on my XXXX  credit report from XXXX XXXX XXXX. My latest credit report shows 3 separate credit inquiries that were executed inadvertently. The dates are as follows : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

Please have these unapproved inquiries removed from my credit report, as they are harming my ability to obtain new credit. Thank you in advance for your assistance.
Consumer complaint received 2019-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Bread Financial Holdings, Inc. (DE)

I call XXXX  credit reporting agency I was told if I didnt agree to promotion I wont be able to speak to anyone. They hung up the phone. They reporting wrong and out dated information.

I think its wrong to pay a credit repair agency when all the bureau needs to due is update the file.

COMENITY Bank is reporting two accounts on my XXXX  report. The first account is accurate shown as closed and paid in full I was never late with this account. The second account I have no knowledge of and keeps reporting late and adding fees and interest. I have asked COMENITY Bank to send me an itemized statement and any documentation to prove I own this account and they haven't. This is effecting my credit score by not getting resolved. Please remove this unknown open account with COMENITY Bank.
Consumer complaint received 2019-11-11
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: Experian Information Solutions Inc. (NJ)

I told experian XXXX  and XXXX  that this debt was not suppose to me reported the company agreed to delete this debt. I have made complaints against this company. I will attach all documents to show this debt needs to be removed from my file. 

They have violated article 807 and 808
Consumer complaint received 2019-11-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Premier Student Loan Center (GA)

I received a call from a service rep from Student Loan Premier Solutions about a year and a half ago. They stated that my current loan lender, XXXX, was involved in a class action lawsuit and that I could enter their program as long as I qualified because that class action lawsuit would guarantee me lower payments with Student Loan Premier Solutions. I ended up " qualifying '' for their student loan forgiveness program after they asked me all of the qualification questions ( income level, how many dependents, employment info, etc. ).

They stated I had to pay {$200.00} a month for 6 months which was supposed to be the initiation entry fees and then every month after that my monthly payment would be {$40.00}. 
I had been paying that {$40.00} a month for 6 months or so now to the point where I stopped paying attention because it was an automatic withdrawal from my checking account. 

Then, within the last few months I started to get non-stop phone calls from XXXX  which made me wonder what was going on with the program I was involved in with Student Loan Premier Solutions. I had already been skeptical about Student Loan Premier Solutions since the beginning because anytime I'm dealing with paying big amounts of money to a business like that I just hoped it didn't turn out to be some kind of scam especially since student loan forgiveness is an area where alot of people are getting scammed. So I started doing some research online and come to find out, Student Loan Premier Solutions is now all of a sudden out of business without any notifications to any of their customers. People are now finding out and people are extremely upset including me. I want to sue for ALL the money I paid them which had to be around {$1500.00}! 

I want this complaint to go the highest federal agency because I want restitution. Student Loan Premier Solutions scammed me and countless other individuals and I want my money back. I really don't even know what to do about this situation but hopefully this first step I am taking to file this complaint pays off.
Consumer complaint received 2019-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

THE DISPUTED ACCOUNTS ARE BANKRUPTCIES THAT HAS BEEN DISMISSED. PLEASE REMOVE THOSE ACCOUNTS FOR THEY HAVE CAUSED TREMENDOUS DAMAGE TO MY CREDIT FILE. ATTACHED ARE FORMS SHOWING PROOF OF THOSE DISMISSED ACCOUNTS
Consumer complaint received 2019-11-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CA)

I previously had payments going through with the XXXX for monthly payments. After realizing these payments stopped going through, I called the XXXX back in XX/XX/XXXX/XX/XX/2019 to start making payments again. XXXX said they could not do anything for me, and connected me to Navient. When speaking to Navient, they seemed to be clueless about the process and told me there was nothing they could do unless I paid them the amount of around $ 600- {$800.00} that day. After I told them I could not do that, they then told me I should look at the other programs out there to get this resolved. I told them all i wanted to do was start making payments again but they continued to tell me there was nothing they could do. I then started to look into what other options I had and it started to make no sense that Navient could not do anything for me, so I called again and got another clueless rep who just wanted me to pay money that day. All i wanted to do, was start making payments so it doesnt go past the defer date. Fast forward to XXXX and I am getting a notice my wages are being garnished. I called XXXX, they used the excuse they could not do anything at the time because the account was with Navient. I called Navient to get their excuse, and in return just got some rude lady who again did not care and again told me theres nothing they could do because it was sold through the XXXX. Since my loan was then sold through the XXXX to another collector, interest was added. It feels like they intentionally blew me off so my account would defer and more money could be collected. If I called both the XXXX and Navient trying to get this resolved ( and have phones logs of this even though they tried to deny it ), but continuously get blown off, why am I supposed to deal with interest added for this XXXX up? I am being forced to sign into an agreement with another servicer, because if I dont an unfair amount of wages will be garnished to where I can not pay bills. Originally when I called the XXXX, I wanted to see if they'd admit to me calling them in XXXX, and they said they do have records of this. However, when I got on the line with someone else to get an excuse why this happend, mysteriously they have no records of me calling. I doubt this will do anything for me and doubt anything will happen to Navient or XXXX, as this has happend to several other people and they have a track record for this kind of behavior.
Consumer complaint received 2019-11-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CITIBANK, N.A. (CA)

On XX/XX/2019 I applied for a Citi XXXX Card online. At the end of the process I selected " Agree '' and " Submit '' thinking I would be able to review it before it was finalized. Instead, it was immediately approved for {$5500.00}. I DO NOT WANT THIS CARD. I have tried repeatedly to contact Citi, 12 phone calls in all. I get transferred and transferred and transferred and they end up giving me the phone number I called in the first place. Today, after my last attempt to cancel the application and/or card, after getting transferred 3 times, they asked for my phone number. I've had the same land line number for the past 4 yrs and they said it wasn't a valid number. I do not have a cell phone, only this landline, XXXX. So once again I was transferred to someone overseas who told me he would have to call me back to verify my information. I said fine. He said I'll call you right back. That was over an hour ago. 

I am tired of wasting my time trying to get a response from these people. I DO NOT WANT A CITI CREDIT CARD. I want the application to be voided or withdrawn or whatever process they have to CANCEL IT.
Consumer complaint received 2019-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

THE DISPUTED ACCOUNTS ARE BANKRUPTCIES THAT HAS BEEN DISMISSED. PLEASE REMOVE THOSE ACCOUNTS FOR THEY HAVE CAUSED TREMENDOUS DAMAGE TO MY CREDIT FILE. ATTACHED ARE FORMS SHOWING PROOF OF THOSE DISMISSED ACCOUNTS
Consumer complaint received 2019-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc. (AR)

LAST CHANCE TO SETTLE OUT OF COURT XXXX XXXX AND XXXX, ON XX/XX/XXXX XXXX  SUPRESSED OUR CREDIT FILES BECAUSE WE KEPT CHANGELEDGING THEM THAT THEY KEPT ALLOWING PROMO INQURIES AFTER OPTED OUT IN XX/XX/XXXX. AS A RESULT XXXX XXXX XXXX XXXX, FILED CHAPTER XXXX BANKRUPTCY ON XX/XX/XXXX CASE NO. XXXX, CLOSED ON XX/XX/XXXX, THE TRUSTEE LEFT OUR 3RD PARTY CLAIMS FOR YOU AND XXXX  ON THE TABLE TO FILE SUIT.SEE ATTACHED.
Consumer complaint received 2019-11-11
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: WELLS FARGO & COMPANY (TN)

XX/XX/XXXX, my wife and I purchased a vehicle ( XXXX ) using Wells Fargo Dealer Services. In XX/XX/XXXX, my wife filed for divorce. XX/XX/XXXX, the divorce was finalized, and the divorce decree states that my now ex-wife was to retain possession of the XXXX, and was to refinance or payoff the loan to remove my name from the account. She sent in a check to pay it off, and that was the last I heard anything from Wells Fargo or my ex-wife until XX/XX/XXXX. I noticed that I had a derogatory remark on my credit report from Wells Fargo regarding the XXXX loan, and then received an email about a week later from my ex-wife, stating that she cancelled the payoff check and never refinanced, so the vehicle was still in my name. 

We agreed to have the XXXX voluntarily repossessed in XX/XX/XXXX. It is currently XX/XX/XXXX, and they still haven't come to get the vehicle. 

Now, I have this HUGE derogatory remark that has tanked my credit score over 100pts that isn't even my responsibility! Wells Fargo will not remove it from my credit report, despite having provided them with the divorce decree, signed by a judge, that states my ex-wife is responsible for the XXXX. I wish I could sue them, but I can not. 

I have disputed this with all 3 credit bureaus, to no avail.
Consumer complaint received 2019-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

On XX/XX/2019 I filed a paper dispute with Experian on invalid, unknown medical accounts with XX/XX/XXXXXXXXXX/XX/XXXX XXXX # XXXX and # XXXX. Experian erroneously verified the invalid medical accounts and so on XX/XX/2019 I followed up with XXXX XXXX XXXX XXXX with a request for validation on these invalid, unknown medical debts, per Experian 's instructions. XXXX XXXX XXXX XXXX failed to validate these erroneous accounts. 

XX/XX/2019 I re-disputed the unknown medical accounts with Experian, with a copy of my validation request and proof of XXXX XXXX XXXX XXXX receipt of my request. 

On XX/XX/2019, Experian followed up with me refusing to properly investigate, they also appeared to change one of the  account numbers associated with the invalid medical accounts, both blatant violations of FCRA and FACTA. 

Furthermore, Experian has been the only credit reporting agency to refuse to delete these unknown medical accounts.
Consumer complaint received 2019-11-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This complaint is against Transunion, XXXX and XXXX credit reporting agencies. I'm bringing this complaint do to their inaccurate reporting, failure to conduct investigation into disputes and forcing customers to obtain for a monthly fee, their credit monitoring programs which falsely claim to increase credit scores. For the last DECADE! my credit score has been in the poor credit rating scale which is the lowest among most. I've tried several times to dispute inaccurate information only to have them deleted then placed back on my report months later lowering my score. I've hired credit service companies who letters were not being responded to by the credit reporting bureau to which I was told to file a lawsuit. XXXX has inaccurately reported accounts that are closed as being opened, and time barred debts falsely being listed as payments being made or received when no payment was ever sent. this allows time-barred debts to remain on a credit report way past the seven years law allows. I've requested supporting documentation regarding Transunion 's investigations these request have been unsuccessful. There has been problems obtaining my credit score and report do to the inaccurate information the security questions ask do not pertain to my credit history. and the customer service employees intentionally give false information when I contact them. I'm XXXX years old my credit report should reflect 34 years of credit history, instead it shows only the previous 10 years. Missing is 34 years of exceptional payment history for utilities, credit cards, mortgages, business, educational and personal loans. This includes missing personal information such as addresses, businesses owned and work history.
Consumer complaint received 2019-11-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CO)

I found this company has been re-aging and opening new accounts on my credit report. Some accounts they are reporting as charged off 16 times for a single unverified debt. I sent requests for validation on XX/XX/19 and did not receive anything back in the 30 days from the date of my letter. Since they have continued their opening of accounts reporting them as new using new opening dates not related to the original opening date of the original debt. They are also reporting duplicates which now shows almost 30 bad accounts on my report when Ive never had 30 credit card accounts in my like.