davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have sent multiple letters advising of the issues and requesting their method of verification. The last letter sent was certified and was delivered to this credit bureau on XX/XX/XXXX. I have placed multiple calls ( all of which had extremely long wait times ) on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I placed these calls because I have been transferred to voicemail, the calls have somehow become disconnected after finally reaching someone, or they advised they will enter a dispute only for me to receive the same message advising the creditor advised them the information is accurate. '' This statement means nothing to me when I know the information is not accurate. 

I have spoken with some of their agents who have advised me that the creditor or credit agency just has to advise them the information is correct without furnishing anything. When I further inquire about this, then I am told the credit bureau does not have to tell me how they verified the information at all, as long as the creditor or agency says it is true, it can stay on my report. This is not only untrue, but it is also illegal and unethical. I have invested a lot of time trying to peacefully and expeditiously resolve these issues, however they remain determined to report inaccurate information and refuse to verify or furnish any information justifying their continuous reporting of inaccurate information. It has been almost 2 months since they received the certified letter and I am still fighting to have my information corrected.
Consumer complaint received 2020-05-19
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. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.
Consumer complaint received 2020-05-21
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)

XXXX never sent paper bill for a credit card that had a {$100.00} balance. We then never rec 'd a phone call from them either stating that we were past due. Account balance has been paid off since beginning of XXXX and they have refunded late charges. Credit card has a credit on it. It caused our credit scores to drop 100 points for both my husband and myself. I have tried multiple time to talk to them about it and have filed disputes with all credit bureaus. They are continuing to report that we have a balance on the card even after refunding our late charges. They reported this info to the credit bureaus during a pandemic in XXXX for a XXXX $ overdue charge that we knew nothing about. This card hasn't had a balance in months, but has a {$13000.00} limit. When I questioned XXXX on why no one had called us, no one could answer. We checked the contact numbers and they had incorrect ones from years ago. They have ruined our ability to be able to refinance our home and haven't been willing to to work with us. Both my husband and I have always had perfect credit scores and this card is paid off. We would appreciate XXXX doing the right thing and taking this info off of our credit, admitting their wrong doing ( as is evident from the refund of the late fees ) and showing that this balance has been paid off for weeks now.
Consumer complaint received 2020-05-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ATG Credit, LLC (IL)

XXXX XXXX XXXX  XXXX about this account that incurred back in XX/XX/2018. As I stated to the representative, my state insurance, XXXX was active on XX/XX/2018 and that all medical bills that accrued between that time was covered by XXXX. I saw the doctor 6 times in the month of XXXX due to XXXX  and all those bills were paid by XXXX. So how was these 2 bills not covered when it ; s the same time frame.We then did a 3 way with XXXX and they told XXXX XXXX  XXXX that the bills had been paid and that I do not have any balance owed because all bills over 6 months are automatically dropped. XXXX XXXX has refused to remove this account from my credit report despite this information.
Consumer complaint received 2020-05-19
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (TX)

I Have disputed this claim on many occasions, on and off and keep getting back that these charges are accurate. When i contact National credit system inc about disputing one debt they bring up a past debt and tell me to pay an old on that is 7 or 8 years old now. They are demanding i pay XXXX for the apartment complex waterford grove apartments located at XXXX XXXX XXXX XXXX Texas XXXX. Management agreed to let me out of lease without any penalty nor fees per XXXX XXXX property management at the time. Now the company has been taken over by new management team. The company lied and told me that XXXX was no longer there and lied to me. She just refuses to talk to me and refer me back to debt collectors. The ledger balance provided by debt collector does not have a signature on it from management, dates of the lease agreement are off from ledger dates. The lease agreement does not mention anything about a XXXX amount for failure to give notice or early termination addendum. I have never signed one and demand the agency provide me proof that i owe these made up charges. I provided documentation in writing prior to leaving XXXX XXXX XXXX. I put in request some time in XXXX of I requested my file they claim it wasnt on site nor old corporate office.but they dont prior to me getting out of lease. Me and XXXX mutually agreed that i wouldnt have any penalties or fees because of all the problems that they never fixed. I have experience nothing but bad at these complex from the mold, water leak, bad ac unit, roach problem, car being towed several time, ticketed for no parking spots, sewage. problem, and car being broken into. I wouldnt recommend this place to a stranger. I want this corrected and to take off the inaccurate charges.
Consumer complaint received 2021-07-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I lost my purse XX/XX/2021 around XXXX  when I was in XXXX and the person who got my purse made multiple different unauthorized purchases using my credit cards. 

This includes a transaction of {$1400.00} ( XXXX XXXX XXXX ) with my Bank of America credit card. Another transaction of {$51.00} with my Bank of America credit card was rejected automatically. 

I reported the credit card loss and the unauthorized transaction ( {$1400.00} ) to Bank of America on XX/XX/2021 night and requested a replacement card. 

After one month, I was notified by Bank of America that my fraud claim was declined. Because " the chip was read, your PIN was entered and/or you signed for the merchandise or service ''. I called Bank of America again provided additional details, like policy report number and information like I don't have a PIN for the credit card and my ID was also in the lost purse. However, they declined the fraud claim again with the same excuse. 


I have never been to the store ( XXXX XXXX XXXX ) and my other fraud claims in other banks are all approved. My credit card doesn't have a PIN and I don't believe Bank of America has ever checked the signature and confirmed that is from me.
Consumer complaint received 2020-05-20
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: DISCOVER BANK (NY)

In XX/XX/XXXX I enrolled in XXXX  XXXX XXXX XXXX  XXXX. As with most XXXX universities, it was extremely expensive, much more than anything my non-college educated mother or deceased father could pay. Unfortunately my mother was unable to complete her taxes on time when it was my turn to apply for college funding. Being XXXX and claimed as her dependent, I needed her tax returns to apply to federal college funding, FAFSA. With no one to assist me I applied for private student loans ; one from XXXX XXXX, XXXX XXXX, and XXXX, which has since been sold to Discover. 



My full tuition totaled to about XXXX, all of which I borrowed from these private banks with variable interest rates. XXXX sold my loans to Discover, which have a variable interest rate, mostly hovering between 11 and 13 percent. Since XXXX I have made my payments on time consistently yet my balance remains larger than the original amount borrowed. XXXX was the borrowed amount and I have given Discover nearly XXXX and only XXXX went towards the balance. 


Before I was laid off by the current pandemic ( XXXX industry ) my average annual income was XXXX. And because my debt to income ratio is too high, I do not qualify to have my loans refinanced. I have been turned down by every company I applied to. What else does this mean? I will be denied for a home loan, car loan, and most other steps towards a future. The American credit system says I am too broke to get help. 


For eight years post college graduation, I have paid over {$1000.00} a month to all of my loans yet I owe more than I borrowed and it is impossible to get out of this hole of debt or go anywhere with my life. 


After years of cries for help falling onto deaf ears at Discovers call center. I finally contacted the corporate office in Delaware. The woman who answered, claimed she opened an investigation on my account. It has been a month and I have not received a call back. Half of the time I call, the phone rings for a few seconds then plays an automated message saying the number is no longer in service. 


I'm writing to ask for help by some sort of regulation to not allow this to happen any longer. It is crippling my generation and will lead to a very imbalanced socioeconomic future.
Consumer complaint received 2020-05-19
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: Access Credit Management, Inc. (AR)

A little less than 60 days ago I reached out the credit bureaus to inform them of my recent encounter of being a victim of identity theft. Repot number # XXXX which included several accounts including XXXX XXXX # XXXX and Access credit # XXXX. These accounts are still appearing on my credit file after these agencies have been notified by me as well as the bureaus. I never received any services or goods in relation from neither of these accounts and they were established from the direct result of identity fraud. It has been more than 30 days and no accurate verification has been made as per the Fair Credit Reporting Act nor the Fair Debt Collection Practice Act. I am familiar with the Health Insurance and Portability Act and its regulations protecting the privacy and security of certain medical information. My consumer rights continue to be violated as well my denial of future credit lines. I find this unacceptable.
Consumer complaint received 2020-05-19
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I AM VICTIM OF IDENTITY THEFT, I PLEA IS TO HAVE THIS FRAUDULENT BANK OF AMERICA ACCOUNT REMOVED FROM MY CREDIT REPORT. THE ACCOUNT WAS OPENED WITHOUT MY CONSENT, THE CHARGES AND THE PAYMENTS MADE ARE NOT DONE BY ME. I HAVE NEVER REQUESTED THIS ACCOUNT TO BE OPENED. THIS ACCOUNT CURRENTLY IS CLOSED WITH A XXXX BALANCE,, NEVER THE LESS THIS IS A FRAUDULENT ACCOUNT AND ITS NOT MINE,
Consumer complaint received 2020-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FORD MOTOR CREDIT CO. (NJ)

I am sending this complaint because a charge-off and collection account with Ford Motor Credit account number XXXX has hit my credit report when this account is a business account under XXXX XXXX, EIN XXXX. The issue with this is not the ownership or the debt, but the fact that a business debt that was established an paid for by the business who was also issued a Corp Code with the DMV in the State of NJ to register this vehicle, has affected my personal credit report and even though there was exceptional payment history, your company has chosen to destroy my credit rating by inaccurately reporting this account as a charge-off which is a violation of the Fair Credit Reporting Act. I would ask that your company furnish the document and phone records that show you have previously attempted to have me rectify this debt and also provide documentation that substantiates the debt that is being reported. I also received a letter from a XXXX , XXXX XXXX XXXX that is currently being reviewed for any violations of the Fair Debt Collection Practices Act, and if there is, I would be entitled to {$1000.00} per the FDCPA and any statutory damages that I have suffered as a result of this account being reported on his credit report. The account was previously disputed and marked as resolved and accurate. But after I receive documentation of this account that shows inaccuracies, that will also mean we would have violations of the FCRA which would bring other issues.
Consumer complaint received 2024-10-02
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. (NY)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX XXXX  Account number : XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-05-19
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: CCS Financial Services, Inc. (AR)

A little less than 60 days ago I reached out the credit bureaus to inform them of my recent encounter of being a victim of identity theft. Repot number # XXXX which included several accounts including Credit Collection # XXXX and Access credit # XXXX. These accounts are still appearing on my credit file after these agencies have been notified by me as well as the bureaus. I never received any services or goods in relation from neither of these accounts and they were established from the direct result of identity fraud. It has been more than 30 days and no accurate verification has been made as per the Fair Credit Reporting Act nor the Fair Debt Collection Practice Act. I am familiar with the Health Insurance and Portability Act and its regulations protecting the privacy and security of certain medical information. My consumer rights continue to be violated as well my denial of future credit lines. I find this unacceptable.
Consumer complaint received 2020-05-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I pulled my credit to myself for the first time and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. US DEPT ED XXXX {$2200.00} XXXX XXXX {$2200.00} XXXX XXXX XXXX {$8200.00}
Consumer complaint received 2020-05-19
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. (AR)

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report.
Consumer complaint received 2020-05-19
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (GA)

I was XXXX  from XX/XX/XXXX until XX/XX/XXXX. I submitted that information to my lenders Navient and the adept of Education. My loans were not delinquent before XXXX. Dept of Education decided to payoff to of the delinquent loans from XXXX yet there are still being report delinquent. I have several delinquencies reporting from both Navient and Dept of Ed even after sending them proof of my XXXX and agreeing to rehab the loan. I know that it is no one fault for my XXXX except my own. Yet these reports cause my scores to drop 100 points. I dont want a statement to be put on my credit report stating I was XXXX for that will only cause more harm. I have a problem that government agencies should as Lenders are allowed to report information when I believe they knew I was incarcerated and never reached out to me to try and defer my account until I was released from custody.
Consumer complaint received 2020-05-20
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)

On numerous occasions Ive disputed the address below that shows on my credit report. This is NOT my address. Ive never lived in this city and have proof of living in another city during this time. This address belongs to a correctional facility and there is an inmate number attached to it. Very damaging to my reputation. I have had several problems due to this including not being able to enroll in school because of student loans issued and never paid by someone at this address. My latest dispute has a confirmation number of # XXXX on XX/XX/20. On XX/XX/20 I was asked 4 identity questions at XXXX XXXX XXXX all pertaining to this address. Ive spoken to 4 Equifax representatives that confirmed it is still showing and no answers other than to dispute it again. This is unacceptable!!! Ive been denied a XXXX XXXX XXXX XXXX because of this. 

XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Consumer complaint received 2020-05-19
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: Ladera Lending, Inc (CA)

Ladera Lending ran the hard credit inquiry without my permission. I neither provided my social number directly to them nor XXXX indirectly when I made home refinance rate quote, and yet they still managed to pull the credit report. I talked to 5 lenders ( sent by XXXX ) including Ladera last few weeks, but nobody, except Ladera, pulled the hard report along with employment verification. Its very scary and unimaginable that they can do such things without any oversight.
Consumer complaint received 2024-10-02
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 did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.
Consumer complaint received 2020-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NV)

I received a letter from XXXX XXXX XXXX  dated XX/XX/2020. The letter was confirming the approval of a forbearance plan from XX/XX/2020 through XX/XX/2020. My loan with XXXX was current prior to the forbearance approval. During the time of the forbearance period, they transferred my mortgage to XXXX XXXX on XX/XX/2020. At the time of the transfer, XXXX reported the account as delinquent/late 30 days or more to XXXX  and Equifax on XX/XX/2020 even though I was already on forbearance. The account was never delinquent. I've called and emailed them many times for resolution but no one will assist me.
Consumer complaint received 2020-05-19
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. (NV)

I received a letter from XXXX XXXX XXXX dated XX/XX/2020. The letter was confirming the approval of a forbearance plan from XX/XX/2020 through XX/XX/2020. My loan with XXXX was current prior to the forbearance approval. During the time of the forbearance period, they transferred my mortgage to XXXX XXXX on XX/XX/2020. At the time of the transfer, XXXX reported the account as delinquent/late 30 days or more to Transunion and XXXX  on XX/XX/2020 even though I was already on forbearance. The account was never delinquent. I've called and emailed them many times for resolution but no one will assist me.
Consumer complaint received 2020-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Good morning. I want us to help me fix a problem with my banking. I got scam and I report that to my bank I deal with, but it seems like XXXX report me for something I did not commit. I am innocent, and any bank do not want to deal with me because of that. So I need help to fix that please. Thank you, I really need help.