davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-15
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. (PA)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1691i ( 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 investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2024-10-16
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. (GA)

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. 

Child support enforcement XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts has violated my rights.

15 USC 1681 section 602 A. States i have the right to privacy.

15 USC 1681 Section 604 A.Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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 then records of convictions of crimes which antedates the report by more then seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

I have also included screenshots of my credit report highlighting all errors and inaccurate information The first two screenshots are Child support enforcement. 
The next one is for XXXX XXXX XXXX XXXX. The third one is for XXXXXXXX XXXX 
And the last XXXX screenshot is for XXXXXXXX XXXX XXXX
Consumer complaint received 2024-10-16
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)

TranUnion XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX Dear TransUnion, There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I am a victim of identity. These items are not transactions conducted by me as a consumer XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Employment Information : XXXX XXXX, XXXX XXXX You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 


Thank you XXXX XXXX
Consumer complaint received 2020-10-22
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: PENTAGON FEDERAL CREDIT UNION (PR)

I have a total of {$240.00} in over the limit charges, late fees and rejected payments. I have funds on my payment account, I dont understand why there is rejected payments. 

XX/XX/XXXX REJ PMT CH XXXX XX/XX/XXXX OVR LMT CH XXXX XX/XX/XXXX REJ PMT CH XXXX XX/XX/XXXX OVR LMT CH XXXX XX/XX/XXXX OVR LMT CH XXXX XX/XX/XXXX LATE CHRGE XXXX XX/XX/XXXX REJ PMT CH XXXX XX/XX/XXXX LATE CHRGE XXXX XX/XX/XXXX LATE CHRGE XXXX XX/XX/XXXX REJ PMT CH XXXX XX/XX/XXXX LATE CHRGE XXXX XX/XX/XXXX OVR LMT CH XXXX XX/XX/XXXX OVR LMT CH XXXX XX/XX/XXXX OVR LMT CH XXXX I need to get charges waived from the account.
Consumer complaint received 2020-11-01
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANCO POPULAR DE PUERTO RICO (PR)

I applied for a mortgage to refinance my home. The process started on XX/XX/2020 when the loan official at Popular XXXX XXXX XXXX first check my credit after I signed an authorization. After an ardous process which included sending all required documentation the loan was denied on XXXX XX/XX/2020, based on information that I provided the Bank on XX/XX/2020. The information had to do with a payment moratorium provided by Popular XXXX based on the CARES ACT. However, the mortgage I was seeking to refinance is not in forebearance. The payments are up to date. The moratorium is on another property that is under-contract and about to close. Popular XXXX assured me in writing that following the CARES ACT they were not going to affect my credit nor report the moratorium to any credit agency. Nonetheless, the letter entitled " Disclosure of Specific Reasons Regarding Denial of Credit Application '' received on XXXX XX/XX/2020 states that the reason for the denial is " Mortgage account in forbearance-Not allowed by XXXX ''. This must mean that Popular XXXX reported to a credit agency ( XXXX XXXX ) the moratorium thus affecting my credit. My credit score is over 800 and my income to debt ratio is solid. After months of sending the same documents over and over ; it's not just for Popular XXXX to deny me credit based on an information that was not supposed to affect my credit according to the CARES ACT. Moreover, the only way this information could have ended on a credit agency is if Popular XXXX divulge it, since they are the loan owners and they were the ones that offered the moratorium as well as the extension. Popular XXXX knew I had another loan on moratorium ( not the one I was seeking to refinance ), not only because they offered it, but also because they asked for evidence about it and I sent it on XX/XX/2020.
Consumer complaint received 2023-04-27
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. (UT)

I sent a letter on XX/XX/XXXX requesting the Credit Bureaus to remove the accounts and inquiries that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days after the XX/XX/XXXX. I discovered several errors that are negatively impacting my credit score. This is unacceptable and I demand immediate action be taken to correct the erroneous accounts, in accordance with the Fair Credit Reporting Act ( FCRA ). Ive already included this in my previous Complaints & I am including it again. The items in question are as follows : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/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 XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities.
Consumer complaint received 2023-08-24
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: TMX Finance LLC (TX)

I made a title loan with TitleMax, XXXX XXXX XXXX XXXX, XXXX, TX XXXX phone number XXXX on XX/XX/XXXX. Amount of loan was for a total of XXXX plus interest of XXXX for a total of XXXX, number of payments due was XXXX, with interest of XXXX XXXX Annual Percentage Rate. I made several payments to them before I got laid off from my job. However, all the payments I made were applied to interest only, nothing went to priincipal. I inquired why it was all paiid to interest and nothing to the principal and they told me that is their practice to appy payments to interest only and if I wanted to pay off the loan, I had to pay it off with the total amount of loan XXXX all at once. Well I could not do that and ended up not making payments after I lost my job. I have not been able to find work for months and borrowed from them to pay my bills - rent, electric, water, auto insurance, cell phone - and that is why loan got so high. TitleMax is trying to repossess my truck, a XXXX XXXX XXXX but I can't let them do that as I need it to look for work and it is not right to apply all payments to interest only and principal never goes down. II understand there is a case against TitleMax for unlawfull practices. Does my situation qualify under this case? And what are my options to deal with them. I can send you a copy of the contract if you need it.
Consumer complaint received 2020-11-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (UT)

I have attempted to contact fedloan servicing about my re-evaluation for my Income Driven Repayment plan. Their automated voice system told me I could expect a response by XX/XX/XXXX. But I got no response. 

I called in and was told it would be at the end of the month. A few days after that conversation I called back to confirm, inquire why I was given 2 different time frames, and see if it could be expidited. I was transferred to a specialist, there was indefinite silence. No one ever took my call. 

When I wrote an email about my questions. I received a response from a XXXX saying my inquiry had already been resolved from my call. 

So now I'm frustrated that no one can tell me why I was given two different time frames or will cooperate with me.
Consumer complaint received 2020-12-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (PR)

I have in my credit report a XXXX Account in the amount of {$3400.00} that does not belong to me. I tried in various occasions to report and / or dispute but its still appear in my credit. As of today, the account is under XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2020-12-01
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: FIRSTBANK PUERTO RICO (FL)

In XXXX he took out a car loan with First Bank Puerto Rico. In XX/XX/XXXX I had a car accident where the unit was declared total loss and the Insurance paid in full ( GAP ) to the bank. Since that time, said bank has reported different versions to the credit agencies where the last thing they have done has been to update an alleged debt of {$7700.00} where they converted a car loan into a personal one, even informing that I recently stopped paying which is not true. This banking institution is well known for this type of tricks and false information towards former clients or people who have had similar situations to mine. At the same time, I have communicated with these people, which I have received from them, they have been threats, they have even told me to stop all procedures in the credit agencies. 
Mode of operation the person has an accident, the unit is declared a total loss, they collect the gap and additionally wait a few months later and install a new debt in the credit agencies when they have already collected the total loss of the unit. 
I hope you can investigate this situation as I am not the only person who has been through this .I have tried to get this bank to fix the information on my credit but what they have done is threaten me and change the information by reporting fraudulent information. In all the credit agencies I have objected to the information that appears for which I have a history of claims and what this bank has done is update the information and put it as if it were recent or they are reporting false information
Consumer complaint received 2020-09-28
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. (PR)

EQUIFAX INFOROMATION is showing incorrect account in my profile they are reporting ( 3 ) Car loans to my name when there is only one, they are reporting a balance of {$8600.00} when the balance is {$7000.00}, XXXX XXXX XXXX XXXX XXXX was buy by XXXX XXXX and the same loan appears three times with three different balances, I have contacted XXXX XXXX and even made a complaint with consumer finance ( you ) and this still appears same account, same opening date wrong balance, EQUIFAX dont answer, the tools they offer to communicate dont work. My credit card are 0/0/0 well paid and they keep lowering my score all months.
Consumer complaint received 2020-05-07
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. (PR)

In XX/XX/XXXX I disputed online with Transunion an erroneous account XXXX/XXXX on my credit report. The results were it was verified. I continued to dispute it in XX/XX/XXXX and XX/XX/XXXX asking for their method of verification, they continue to verify it without providing their method of verification or providing any documents to prove this account is mine.
Consumer complaint received 2020-05-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rodriguez Fernandez Law Offices, LLC (PR)

I have been paying off this debt since XXXX or XXXX to Rodriguez Fernandez Law firm. I had to resign from my job due to my health in XXXX. I apply for XXXX benefits as soon as I stopped working and was approved in XXXX of XXXX. That isy only income I pay a mortgage and other bills. I agree with this law firm to pay them 50.00 a month which is slot for. I fall behind but I manage to catch up because they call everyday until I pay. I also notified them that I get my check on the third Wednesday of each month and they start calling from the beginning of the month. The original creditor was XXXX XXXX  and I believe the debt has passed the statute of limitations since XXXXI fell back on slot of my bills. I currently live in the southern part of XXXX XXXX affected by the earthquakes and also the pandemic. These people have no disregard for my financial status and they also do not send any correspondence regarding the payments or the amount of the balance within the past years that I have this payment plan..
Consumer complaint received 2024-10-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2020-11-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Experian Information Solutions Inc. (PR)

My problem is with Experian. Experian wanted me to get a new credit card. With my experience with credit cards, I do not want to get credit cards anymore. Experian owes me {$7000.00} which I need this amount. I am paying monthly the amounts that I owe. Previously, the Federals told me that I did not have to pay XXXX. It was closed. Then, Experian has to pay me back {$7000.00}. Apparently, they added the money to one account. I am paying monthly. Why do they, without my permission, used my money to pay my account? I know what I have to do. I am paying monthly. I need the {$7000.00}. It is my money, not theirs. Today, they sent me a notification that they paid for the account. I have not told them to use my money. Would you check why they use my money without my permission? They did not send me a statement. Just said that they paid the account. I can not believe on this, because the balance is higher. Not sure if they were the ones or another person without permission.
Consumer complaint received 2019-03-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (PR)

XXXX XXXX XXXX date opened XXXX credit card amount XXXX XXXX XXXX XXXX   opened XX/XX/XXXX XXXX XXXX {$2600.00} XXXX XXXX XXXX XX/XX/XXXX XXXX for {$5400.00} XXXX XXXX charge card {$5000.00} and many others places in my Experian credit file action I put fraud alert that about 7 years ago for problem identity thieft I submitted my ID, SS card, driver license water bills electricity bill, police report and all evidence requested, and the problem never stop. 
now I request frozen my file .I receive a call from XXXX XXXX from XXXX XXXX XXXX XXXX program XXXX that their can fix my according to pay a sum of money she got y information from Experian. 
I request a permanent frozen my credit file. and clean my file
Consumer complaint received 2019-03-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: PNC Bank N.A. (PR)

I informed my credit card company I would be traveling overseas. At no time did they inform me that they levy an additional fee of 3 % against any foreign charges. While overseas on business travel I charged approximately {$15000.00} which I am now told will incur fees of {$450.00}. When I questioned why this wasn't explicitly disclosed to me when I called them I was told that it was in the " credit card agreement ''. In my opinion the PNC rep I spoke to when informing them of my travel plans should have disclosed to me the 3 % Foreign fee charge. This type of " gotcha '' approach is something I never expected from PNC. Had I known about the fee I would never have used the PNC card. I think PNC 's failure to explicitly disclose this fee is negligent at best and dishonest at worst. I have asked for them to refund the fees but have been told they will not.
Consumer complaint received 2023-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (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. 

Account name ( XXXX XXXXXXXX XXXX XXXX # XXXX ) Account name XXXX  XXXX Account number XXXX account name XXXX XXXX account number # XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX Account number XXXX these accounts have 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 2023-07-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CITIBANK, N.A. (CA)

XXXX XXXX denies having any open account with me, yet debt collectors keep calling my spouse during his working hours trying to get hold of me. I tell him to give them my number but they are relentless. I called XXXX and they deny any of this and gaslighted me over the phone as if I am imagining things. They then said call XXXX  at XXXX, whom XXXX referred me to XXXX XXXX XXXX at XXXX. I need this to stop or I am considering harassment small claims options. I was a homeless Veteran when the judge made his/her decision and I had a lawyer, but here we are. I paid the account and it is considered paid in full by XXXX XXXX.
Consumer complaint received 2023-10-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (WI)

Signed up for Nelnet 's auto-debit service in XXXX following the announcement that student loans were going back into repayment. My first auto debit date was XX/XX/2023, but Nelnet did not pull my payment or process it. As a result I am now " past due '' on a payment. 

Nelnet confirmed that my auto debit was active months ago and, upon checking yesterday, XX/XX/XXXX, their web portal notified me that I " already '' had a payment " scheduled '' for the XXXX. Now today, my next auto debit is in XXXX and I am past due for XXXX.