davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-11
Product: Credit reporting 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. (FL)

I did not authorize these companies to pull my credit report neither do I have knowledge of them XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I never applied for credit with them and I do not have an open account tied to these inquiries
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.
Consumer complaint received 2018-06-05
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Navient Solutions, LLC. (NY)

I work for a XXXX for XXXX XXXX. The XXXX for the XXXX and the XXXX XXXX. XXXX XXXX. I do not get overtime or benefits I barley get XXXX hours of work for two weeks. I barley make enough to pay anything. I am looking for a second job but I have triplets that are 3 and can not afford daycare. The issue is they called my work and spoke to one of our employees. SAID IT WAS FOR DEBT COLLECTION. I didn't get a message on my phone nor did I get text. or Email. This is harassment. I will lose my job and this is not anyone 's business but mine.
Consumer complaint received 2024-09-02
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: TRUIST FINANCIAL CORPORATION (TN)

I am writing to dispute a decrease in my credit limit, which I believe was inaccurately implemented due to a letter sent out regrading the mistake as a result of a company merger from BB & T. This matter has come to my attention through a notification from your company, and I would like to clarify the circumstances surrounding this decision. 

I have been a loyal customer of your company for several years, and I have always maintained a good standing with my credit account. However, I recently received a notification that my credit limit has been decreased, which has had a negative impact on my credit utilization ratio and overall credit score. 

Upon further investigation, I discovered that the decrease in my credit limit was a result of a letter sent out mistakenly due to a company merger. This information was inaccurate and has unfairly affected my credit standing without any valid reason or basis. As a consumer, I have the right to accurate and transparent information regarding changes to my credit account, and I believe that this decrease was not justified. 

I kindly request that you review the circumstances surrounding the inaccurate decrease in my credit limit and take the necessary steps to restore my original credit limit to the XXXX limit. I understand that company mergers can result in operational changes, but it is essential that these changes do not unfairly impact loyal customers like myself. 

I expect a written response outlining the actions you will take to address this dispute and restore my credit limit back to its original status within 30 days. Failure to do so may result in further escalation of this matter to the appropriate regulatory authorities. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution and the restoration of my credit limit. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MA)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report.

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items.

The identity of the entity or entities responsible for conducting the verification process.

Any documentation or evidence used to substantiate the accuracy of the disputed items.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

My consumer report contains accounts linked to identity theft, which I never authorized in writing or with a wet signature. I recently notified your organization about this issue and am now formally requesting the immediate blocking and removal of these accounts from my report. Their presence has caused me considerable emotional and financial strain, as they misrepresent my credit history and obligations. If this matter is not resolved satisfactorily, I am prepared to pursue legal action to defend my rights and seek a resolution. These fraudulent entries have impeded my ability to achieve crucial financial objectives, including purchasing a home and providing for my family 's needs.
Consumer complaint received 2024-08-28
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)

On XX/XX/XXXX, via a debt validation letter sent by first-class certified mail ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), I requested validation XXXX XXXX XXXX Solutions of a debt/collection that was reported to my XXXX and TransUnion XXXX. In addition, I then sent copy of the same debt validation letter to both XXXX and TransUnion on XX/XX/XXXX via XXXX first-class certified mail ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) to notify them of my request to the collector to validate the debt. After XXXX, and still to-date, I never received confirmed validation of the debt from XXXX XXXX XXXX  in XXXX XXXX XXXX XXXX, thus, removed the collection from my credit report. However, TransUnion has still yet to do so.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MO)

Inaccurate Credit Reporting ( 15 USC 168152 ) To whom it may concern, 1 I am writing this letter to inform you that i have notified the credit bureaus of misreporting by your company in accordance with the Fair Credit Reporting Act. According to which, as the furnisher of the information in question, you have a grave responsibility of maintaining the accuracy of that information. following account ( XXXX XXXX  ) is reporting a balance of ( {$2400.00} ) when it is my understanding an reason to believe that because this debt was charged off by you that is was memorialized with a form 1099C as proof or evidence thereat. And that because of my fact, this debt is cancelled and at least should not reflect the balance that is currently shown of ( {$2400.00} ) on my consumer file. This is canceled debt, the company has filed it on their taxes but they also are reporting it on my credit report as debt, doesnt make sense at all. A charge off is considered ordinary income so how could it be furnishing on my credit report as debt. The IRS states that this company was supposed to send me a 1099c form so I can file the ordinary income. They havent sent me none of that at all so now they are in violation of USC 1681EB, it speaks on maximum accuracy of the consumer report. So this item has to be deleted from my credit report.
Consumer complaint received 2019-01-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/XXXX, I tried to withdraw {$200.00} at ATM at Chase Bank at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY location ( XXXX ).  No cash was dispensed. I thought I may have pressed " cancel '' button so I tried again, and this time I received {$200.00} ( I used the same ATM machine ). Then I checked the transactions and found out that I was charged twice ( {$200.00} X 2=XXXX  ) even though I only received {$200.00}. As I could not find any bank employee nearby, or there was no intercom, I went downstairs and talked to an employee at the customer service. He dialed and handed me the phone to file a claim. I was told that the {$200.00} will be refunded within 48 hours, which did. 
In XXXX, I received a letter saying that the bank did not find any flaw in the system and will take back the {$200.00} they refunded to me ( this was done on XX/XX/XXXX ). I was very surprised and went to the branch on XXXX between XXXX and XXXX XXXX ( XXXX ) on XX/XX/XXXX and talked to an employee there. He called to find out why I did not get my money back, and told me there was nothing I could do as the investigation was completed and the bank found nothing wrong with the ATM machine. He said even if I file a claim again, the same thing will happen and I won't get my money back. He did not offer any further help.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Both XXXX and transunion dropped my score by XXXX points for opening a new credit card!!! This is ridiculous! It states that credit scores may temporarily drop by XXXX or XXXX points from opening a new credit card but XXXX  is beyond ridiculous!!!
Consumer complaint received 2019-01-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (IL)

33 pages were sent at one time including full bank statements Things ended with XXXX when house went to auction. 
So i went back to Wells Fargo and have talked a lot with XXXX XXXX. 
I got a call and did not get to it in time. 
I got a message from XXXX and XXXX Wells Fargo lawyer that i had to move by XX/XX/XXXX but no notice by mail. 
I am XXXX and can not just move in 2 weeks.

I need 30 to 45 days as i have to live on first floor. I want 2-3 bedrooms as my son is living with me as he has no job but looking.
Consumer complaint received 2019-01-10
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Nelnet, Inc. (NC)

Good afternoon my name is XXXX XXXX XXXX XXXX XXXX I have been dealing with this issue for years now I have submitted all documents too XXXX XXXX discharge I receive XXXX and they are trying too garnish me I have no use of my XXXX and cant XXXX no medical insurance have too pay for everything out of pocket please help me
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Recently i did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. 

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt collectors.

I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft. 

The Fair Billing Practices Act is intended to secure my right to privacy and my privacy has been breach so that's violate my rights under The Privacy Act of 1974 :, I am sure the removal of my information from your website will ensure my privacy rights won't be violated again due to my lack of consent.
Consumer complaint received 2019-01-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (IL)

Since being notified that there was a new owner of my loan in XXXX of 2018 I have asked for more information from Shellpoint as to correct mailing address and phone number for the new owner of the loan who is XXXX XXXX XXXX XXXX, not individually but soley as Trustee for XXXX XXXX XXXX XXXX XXXX. The only information I was given was a mailing address XXXX XXXX XXXX in XXXX XXXX, California.I sent a letter to that address and it was returned as undeliverable.. I an entitled to have correct infiormation on the new owner which is accurate including a phone number and a contact person. My requests have been ignored and I would like this issue to be resolved.
Consumer complaint received 2024-09-11
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. (TX)

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-09-11
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)

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-09-11
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. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2019-01-10
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Weinman Acquisition Group (IA)

Received a voicemail on XX/XX/2019 at XXXX XXXX from " Unknown '' number, caller identified her as " XXXX XXXX '' but did not state a company, she stated a docket number and that there was a complaint registered against me and I needed to call to discuss pending actions. 

My husband then received the exact same voicemail for me at XXXX XXXX, at XXXX XXXX my ex husband received the same voicemail as well. All of the exact same scripted call from " XXXX XXXX '' I called them back and was told it was an answering service for a building of 15 businesses, they asked for a reference number, I gave it and was transferred to " XXXX '' with " XXXX XXXX XXXX '' I asked her for a validation letter and she refused stating they had sent one in XX/XX/XXXX. She stated that I called her and would have to verify my SSN, I told her I was not comfortable. She became hostile and told me that they would just serve me papers in the next 24-48 hours. I asked her for her last name and she hung up on me. 

My husband then called and also received XXXX, she then gave him my full SSN # and asked him if that was correct. Then told him she didn't appreciate him calling her and that she had just gotten off of the phone with me and they would just follow through with legal action and " to have fun in court '' I then tried to call them back in order to obtain a validation letter but my number had been blocked, I then called from my work phone and received the same front desk, gave him my reference number and he then said they weren't answering their phones, I told him that XXXX had given my full SSN to a third party and I would like to speak with her, he stated they were not available but would try again and instead hung up on me. I then tried to call back but they had then blocked my work number also, I called from another phone at work and was hung up on immediately after each try until they blocked that number too. I called from a co-workers desk and was immediately put on hold and then hung up on, same thing with another co-workers desk and then tried to call from my friend 's cell phone with a different area code and was prompted to leave a VM, when I didn't, he then received two calls from an " unknown '' number back to back with no voicemail. 

They also blocked my husband 's phone number as well.
Consumer complaint received 2019-01-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (MD)

As an initial matter, this IS NOT a duplicate complaint, nor should it be treated as a duplicate complaint. If it is treated as a duplicate complaint, it will be submitted over and over and over again, until Citibank decides to address it, and if it can not be addressed by Citibank on this forum, then it will be FORCED to address this matter in COURT ...

In any event, pursuant to page 28 of the Citibank Client Manual, I notified Citibank, in writing, that I do not agree that Citibank may pay or reject any check which is presented to Citibank for payment more than six months after its date ( a stale-dated check ), on any of my checking accounts, even if the presentment occurs after the expiration of a stop payment order. Further, I also notified Citibank, in writing, that I do not agree that Citibank is not required to identify stale dated checks or to seek my permission to pay them. To the contrary, I notified Citibank, in writing, that it may not pay but shall reject any check which is presented to Citibank for payment more six months after its date ( a stale-dated check ), on any of my checking accounts, including, but more specifically, the checking account ending in XXXX. 

Citibank was specifically instructed to identify any stale dated check or seek my written permission to pay any stale dated check. Citibank was advised that if it failed to follow the above specific directive or instructions, that it shall be liable for the face value of the stale dated check including, but not limited to, any damages and attorney fees incurred. Citibank was on notice that this shall supersede any and all terms purportedly agreed to or contained on page 28 of the Citibank Client Manual.