davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-13
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. (TX)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-06-13
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION (VA)

The payoff amount and interest on the car is too high. i can not refinance with anyone else because of this. the apr is 23.99 with me and my cosigner. the monthly payments and the overall value of the car is over XXXX and the car is over XXXX XXXX XXXX. everytime I call they say there is nothing they can do. i am currently on payment arrangements with them and they still charge me the monthly amount so how am I supposed to pay it down? 
i hate this company. they are overcharging me for a vehicle I can even get rid of.
Consumer complaint received 2019-02-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A. (NJ)

I opened a Student Checking Account with PNC bank in XXXX. One of the benefits touted by the bank representative at that time was that the Student account and account terms would remain in perpetuity for as long as the account was open regardless of student status, and that the benefits of the Student Account would be enjoyed for as long as the account was open. PNC Bank has tried repeatedly to change my account type with my consent, but there was never any benefit to me as a customer to do so. I received a letter from PNC XX/XX/XXXX stating that my Student Account would be changed to a Standard Checking account without my consent. For over 15 years I have had this account knowing PNC could not change my account without my consent. Now the bank is attempting to pull the wool over my eyes and assert it is within their right to do so. They claim that my account allows for this, which it does not. They have agreed to send me a copy of the account terms however have not assured me that this matched my original account terms. I fear and suspect the terms have been altered without my consent as well to suit PNC 's goals.
Consumer complaint received 2021-01-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

i was at the XXXX store buying things went home like nothing bags in my arms i got in my apartment put stuff down realized my wallet and cell were lost went back and nothing i searched nonthing. days after i went online banking seen all my money was gone how much more i have to go threw fighting XXXX  XXXX failure
Consumer complaint received 2019-03-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NY)

I renewed my Income-driven repayment plan before the XXXX deadline. I was approved and Navient is still showing that I owe a payment and I'm no longer on the Income-driven repayment. I have 2 emails showing that I was approved and I've spoken to a rep from Navient who said they would take care of it for me before the payment was due {$580.00}. The payment is now past due and they are saying that they are going to take care of it. I don't trust that they will handle this situation and I'm worried about the finical implications of being removed for 2 months from the payment plan.
Consumer complaint received 2023-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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

XXXX XXXX XX/XX/XXXX Transunion, XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX TRANSUNION, XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXXXXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XX/XX/XXXX Transunion XXXX XXXX XXXX XX/XX/XXXX Transunion, XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX Transunion XXXX XXXX XXXX NA XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX Transunion, XXXX XXXX XX/XX/XXXX Transunion XXXX XXXX XXXX XX/XX/XXXX Transunion, XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Transunion, XXXX XXXX XX/XX/XXXX Transunion, XXXX XXXX XX/XX/XXXX Transunion, XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Transunion, XXXX XX/XX/XXXX Transunion XXXX XXXX XXXX XX/XX/XXXX Transunion, XXXX XX/XX/XXXX Transunion XXXX XXXX XX/XX/XXXX TRansunion, XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX has violated my rights.

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.
Consumer complaint received 2023-06-12
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. (WA)

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. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX has violated my rights. 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 2019-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (LA)

This is a copy of my most recent email to XXXX, after trying over a year to get my free credit report : " Would you please explain to me, why after all this time and full size documents I took my time to send ... REPEATEDLY send nonetheless, why I have yet to receive my credit report? 
My social security card and number, STATE issued photo ID, copy of my utility bills, etc have all been sent and there still send to be an issue when just sending MY OWN information. Why is that? 
Also, there IS no conflicting information nor fraudulent information sent on part, or else I would've never been ABLE TO GET a social security card, state ID, etc to " prove '' my own identity. 
This is ridiculous at this point, and I've elected to reach out to higher authorities on this matter, because there is no reasonable excuse that exist as to why I've been excluded from my own information I am entitled to, in accordance with state and federal Laws especially. 
And any person would be naturally justified to file complaint and seek higher authority.

There are FEDERAL LAWS against withholding a person 's Right to his/her own information. Yet, your site even states that any 3rd party can get my information, and I'm sure that they don't even have to go through all this. 
For example, I rightfully and naturally would have issue that anybody can walk into a bank and claim to work there or actually work there but easily access AND PRINT MY personal, federally protected information for even fraudulent means. Yet even WITH my having to KEEP sending all my proof and asked to do so repeatedly nonetheless, it has taken repeated effort and expense on my part to give you information to me that you already have and have access to that you have IMMEDIATELY AND READILY handed over to banks, and any other 3rd party institution at their leisure. '' I have spoken over the phone to several reps of XXXX, because free credit report.com keeps sending the same email " sorry for your inconvenience ... click on this link and go straight to XXXX to resolve ... '' nonsense.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WI)

I recently review a copy of my credit report and I noticed fraudulent accounts on my credit report. Please remove these accounts from my report they are hurting my ability to obtain credit. A collection account for {$800.00} from XXXX XXXX XXXX  with XXXX XXXX XXXX. This is a fraudulent account.
Consumer complaint received 2021-07-16
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: EQUIFAX, INC. (FL)

XXXX bank at no point in their response back to me informed me of any of my issues, that I reported on my complaint. 
I asked to know why is my credit limit being lowered with EVERY PAYMENT I MAKE..they lower my credit limit to the new amount owed After each payment..keeping my credit utilization thru the roof and keeps having my CREDIT SCORE DECLINING BECAUSE THE REPORTING AGENCYS ONLY SEE THE UTILIZATIONS HIGH AND THAT LOWERS 30 TO 50 POINTS ECERY MONTH ON MY CREDIT REPORT ... I HAVE LOST ALMOST XXXX POINTS JUST BECAUSE OF THIS ISSUE.. 

Sooner or later I know some one will sue for the right laws and when this becomes a claim I well be the first 1 to add my name to the list ... this has got to be illegal to an extent.. 

I understand you give me credit you can take it away ... but you take it away with out hurting my credit score involved ... and to top it off..I have not missed 1 payment with my schedule..and yet they punish me and my credit score each passing month ... 


They did not comply with a correct response to any part of my complaint ... they legitimately just wrote words on a pdf file to have as a response with out no foundation and no law to stand behind my complaint.
Consumer complaint received 2018-12-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (TX)

we asked Wells Fargo Bank to see if they could work with us on a mortgage modification while we passed some hard times, after hurricane Harvey.  They agreed. We started to send all information, they called back and we send them more, and more.By then we were 2 months, and other Wells Fargo persons started calling. Meanwhile the other people still kept asking for mire info, I sat with one and we went over 2 months, explaining in detail how money was spend and were it came from. Still they keep asking to resend more paper work, but will not say will help or not. We believe that Wells Fargo is not acting in good faith. 














































-
Consumer complaint received 2019-01-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Commerce Home Mortgage, Inc (CA)

I applied for a refinance in late XX/XX/XXXX. Loan docs were signed XX/XX/XXXX. My first house payment was not due until XX/XX/XXXX. In XX/XX/XXXX I did not receive any payment notification stub. I received a voice message XX/XX/XXXX regarding my mortgage and to call the lender, which I did, on XX/XX/XXXX, to find out that I was speaking with a new mortgage company, XXXX XXXX, and my loan was sold XX/XX/XXXX. Because of late notice my first house payment due XX/XX/XXXX was waived and first payment would be XX/XX/XXXX. I received a letter from Commerce Home Mortgage, first mortgage lender that sold my loan, stating I owed {$7900.00}. I contacted the mortgage person, who helped me get my current refinance, on XXXXHe then texted that after speaking with the first mortgage lender that I need to pay the first payment of {$2600.00} that was due in XXXX. All this texting and documentation occurred XX/XX/XXXX and I was told that to wait until further word from the first mortgage lender. Today XX/XX/XXXX I received word to pay up the first month. The loan officer for Commerce Home Mortgage, XXXX XXXX, wanted overnight delivery ASAP. Because I want the harassment to stop I stated I would send out the payment on XXXX/XXXX/XXXX in the afternoon. 
I am being harassed for miscommunication between my first mortgage lender and my current mortgage lender. To rectify their mistake Commerce Home Mortgage is taking their mistake out on me. The only notification I ever received from them prior to the harassment was a letter of my loan being sold and that was dated XX/XX/XXXX.
Consumer complaint received 2019-01-23
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (AZ)

I made a furniture purchase with XXXX XXXX and the purchase amount was financed with a promotional offer through Synchrony Bank. The amount of the purchase resulted in both a pre-authorization and an authorization, both in exactly the same amount. I have notified Synchrony Bank multiple times over the past four months to have the pre-authorization removed, but they have refused to do anything about this error and generally just provide poorly written system messages with unhelpful documentation such as a pre-authorization typically drops off after 7-10 days. OK, but what happens when it doesn't? Is all of the responsibility on the consumer to figure this out or take the risk that the pre-authorization will never actually be authorized and/or lose access to previously approved credit because the pre-authorization amount is reducing available credit?
Consumer complaint received 2023-06-13
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (MI)

I was offered a {$1000.00} cash bonus if I signed up for an account and deposited at least {$70000.00} in the account within the first 20 days. At first, when I called to find out where I could find my account number ( because I set up the account online ), I was told by the representative that I would not know my account number until I received a welcome kit in the mail. I therefore could not deposit the money, as their online automated transfer system had errors every time I tried to use it. I called again after waiting almost 2 weeks and was told that there was no welcome kit being mailed and that I could view my account number online. I then had only a few days to process my transfer of $ XXXX from my old bank to Citibank. This was very stressful but I accomplished it in time. Now that it is over 60 days after the 21st day of setting up my account, I checked my checking account for the $ XXXX bonus. It was not there, and when I called their customer service, they told me there was no promotion attached to the account. This was very strange, as the representatives I had spoken to in my first 20 days at Citibank were all aware of the promotion, as I nearly didn't make the 20-day deadline and had asked for an extension.
Consumer complaint received 2023-06-12
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. (NC)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX, NC XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXXXXXX XX/XX/2022 ; XXXX  XX/XX/2022.
Consumer complaint received 2023-06-13
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. (TX)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2017-10-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: APPLE FINANCIAL HOLDINGS, INC. (NY)

my bank XXXX payment to XXXX card an unauthorized amount of XXXX let them know on XX/XX/XXXX of the problem and they informed me that they could not do anything until the check did not enter and they told me to come back when they charged it and when I returned on XXXX the day they charged I was told in very bad way that they could not do anything, then the supervisor agreed to fill out papers to make the claim to the XXXX then I returned and they told me that the paper they filled was not correct and they filled another and today we are on XX/XX/XXXX and XXXX do not inform me anything. Please I need your help. Thank you
Consumer complaint received 2023-06-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2023-06-13
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. (IL)

Please remove unauthorized accounts and inquiries off my credit report Accounts : XXXX XXXX XXXX XX/XX/XXXX {$1600.00} XXXX XXXX XXXX XX/XX/XXXX {$3600.00} Inquiries : 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 2023-06-13
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. (IL)

Please remove unauthorized accounts and inquiries off my credit report Accounts : XXXX XXXX XXXX XX/XX/XXXX {$1600.00} XXXX XXXX XXXX XX/XX/XXXX {$3600.00} Inquiries : XXXX XXXX XXXX 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
Consumer complaint received 2023-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NY)

Equifax XXXX XXXX XXXX I have contacted the credit bureaus several times to make them aware that the one late payment posted on my credit reports is incorrect. Ive contacted the merchant of the credit card company ( XXXX XXXX ) who agreed that it shouldve not been reported as a late payment by bureaus and I asked it to be removed effective immediately as its incorrect and untrue false reporting by breaus.
Consumer complaint received 2018-12-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Outsource Group, Inc (TX)

You are reporting a paid medical collection on XXXX, XXXX  and XXXX. This debt was paid directly to XXXX XXXX XXXX ( see attached proof ) and should have never been reported to the credit bureaus by you. This reporting has damaged my credit score and is preventing me from qualifying for a home mortgage. I want it removed immediately.