davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I never gave consent for these creations. I've attached the required documentation to validate my stance. I'd appreciate your swift action to address and correct this issue by ensuring the removal of the fraudulent accounts from my credit report. Your prompt attention to this concern is greatly valued.
Consumer complaint received 2018-05-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (PA)

I received a pre approval solicitation in the mail on XX/XX/2018. I applied for the card assuming I would qualify as Ive worked really hard at rebuilding credit. I was declined and now my credit score will be  negatively impacted. I would never had applied if it was not for the marketing solicitation Ive received. I called the company and asked for them to remove the hard hit and they refused. Please help me get this hard hit removed from my credit report
Consumer complaint received 2024-06-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (KS)

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.

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 inructions 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 2024-08-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

My name is XXXX XXXX XXXX. 
I am not deceased. 
I believe my information is being hacked. 
I believe family members has said I'm deceased. 
You all are allowing people to hack my account and not allow me in my account. 
That is fraudulent on your behalf. 
You won't allow me to log in on TransUnion and you won't allow me to put my credit card information in. You say my information is not accurate.thats illegal and tampering in my privacy. 
You all also go as far to say put in an expectation date but it doesn't give me an option to. 

XXXX XXXX XXXX
Consumer complaint received 2024-08-07
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA (TX)

On XX/XX/XXXX, I applied for the APPLE CARD through Goldman Sachs. I received a decline stating, " You have recently been past due. You have recently experienced a charge off ''. Neither of these are accurate. I have tried XXXX different times to call them, to no avail. Got different answers from all XXXX reps. I want this resolved with either a viable explanation or to have the application approved. I have attached a screenshot of the decline letter. 

XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX TX XXXX
Consumer complaint received 2024-08-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (CA)

In XXXX and XXXX, I encountered significant and troubling issues with Wells Fargo involving unauthorized financial activities and mismanagement of my accounts. Specifically, funds were misappropriated from my existing accounts, and new accounts were opened in my name without my consent. Additionally, I was enrolled in various services and products unexpectedly and without my authorization. 

Details : Date of XXXX : Between XXXX and XXXX Amounts Involved : Although the exact amounts are varied, the unauthorized transactions resulted in significant financial discrepancies in my accounts. 

Actions Taken by Me : XXXX. Contacted Wells Fargo Customer Service : Upon discovering the discrepancies, I promptly contacted Wells Fargos customer service to report the unauthorized transactions and account openings. 
XXXX. Requested Investigation : I requested a thorough investigation into the unauthorized activities and demanded the closure of all fraudulent accounts. 
XXXX. Monitored Accounts : I meticulously monitored my accounts for any further unauthorized transactions and reported additional suspicious activities to Wells Fargo. 
XXXX. Documentation : I kept detailed records of all communications with Wells Fargo, including dates, representatives spoken to, and reference numbers for my complaints. 

Actions Taken by the Company : Initial Response : Despite my prompt reporting, Wells Fargos initial response was inadequate. They did not provide a satisfactory resolution or clear explanation for the unauthorized activities. 
Continued Unauthorized Activities : Even after reporting, new accounts and services continued to be opened in my name without my consent, exacerbating the issue. 

Impact : This series of events has caused significant stress, inconvenience, and potential damage to my financial standing and credit. The unauthorized use of my personal information and funds is a severe breach of trust and security.
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

On XX/XX/year>, I mailed a dispute letter to Experian requesting an investigation into inaccurate items on my credit report. Additionally, I disputed incorrect personal information listed on my credit report. In my dispute letter, I explicitly requested that Experian investigate these inaccuracies and provide me with the results of their investigation. 

However, I have not received any response from Experian regarding my request, nor have I received any investigation results. 

According to the Fair Credit Reporting Act ( FCRA ), if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. Additionally, the bureau is required to provide the consumer with the results of the investigation. 

Experians failure to respond to my dispute and provide the requested investigation results is a violation of the FCRA. As a consumer, I have the right to accurate information in my credit report and to receive a thorough investigation into any disputed items. 

It appears that Experian has violated my consumer rights by not conducting a reasonable investigation upon receipt of my dispute, which they are required to do in accordance with the Fair Credit Reporting Act. I am including a copy of my dispute letter sent to Experian as proof.
Consumer complaint received 2024-08-01
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. (FL)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-07-11
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. (CA)

In accordance with the fair Credit reporting act these accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 U.S.C 1681. 

XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX. XXXX - ( Loan by Phone  ) Check into XXXX {$170.00} XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX {$360.00} XXXX. Green Dot. 
XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX  XXXX XXXX ) {$300.00} XXXX. XXXX XXXX XXXX. ( XXXX XXXX ) {$550.00} 15 U.S.C 1681 section 602a. States I have the right to privacy 15 U.S.C 1681 section 604a section 2 it also states a company reporting agency can not furnish a account without my written instructions. 
15.U.S.C 1618c. ( a ) ( 5 ) section states. that no consumer reporting agency may make any consumer reporting containing any of the following items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681-s-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 2024-01-23
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. (TX)

This complaint is in regards to XXXX XXXX XXXX XXXX # XXXX. I opted out from this company XX/XX/XXXX. They are violating my federally protected consumer rights. The Privacy Act of 1974, 16 CFR 433.2- Preservation of consumers ' claims and defenses, unfair, or deceptive acts or practices ; 16CFR 433.3-Exemption of sellers taking or receiving open end consumer credit contracts before XX/XX/XXXX from requirements of 16 CFR 433.2 ( A ) ; 15 USC 1681-Permissable purpose, 15 USC 6802-Obligations with respect to disclosures of personal information, 15 USC 6805-enforcement.
Consumer complaint received 2024-08-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AZ)

I am writing to formally dispute the debt referenced I want to make it clear that I have no knowledge of this debt and believe it may be invalid. Therefore, I request that you verify this debt, as I have reason to believe that this account may have been discharged, settled, or is otherwise not legally binding.

Specifically, I am concerned that this debt might have been sold to your company after being discharged or settled with the original creditor or another debt buyer. Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting the following : 1. Validation of the Debt : Provide all relevant documentation that proves this debt is valid and that I am legally obligated to pay it. This includes, but is not limited to : The name and address of the original creditor.

A copy of any agreement or contract that I may have signed with the original creditor.

Proof that the amount you are seeking is accurate and legally collectible.

2. Chain of Ownership : Provide documentation showing the chain of ownership of this debt from the original creditor to Portfolio Recovery Associates, including proof that the debt was not discharged or settled prior to your acquisition.

3. Details on Previous Payments or Settlements : If any payments or settlements were made on this account, provide detailed records of those transactions.

Until I receive the requested information and validation, I request that you cease all collection activities related to this account, including but not limited to reporting this debt to any credit reporting agencies.
Consumer complaint received 2024-08-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (MN)

My account was put in a forbearance, by Mohela, for " SAVE Recalculation Forbearance. '' In the letter Mohela sent to me, Mohela stated, " While you are in this forbearance no payment is required on your account and your interest rate will be set to 0 %. This means no interest will accrue while you are in the forbearance. '' That letter, with that statement, was sent to me on XX/XX/XXXX. My account balance on XX/XX/XXXX was {$74000.00}. As of today, XX/XX/XXXX, my account balance is {$74000.00}. How can that be possible if the interest rate was set to 0 % and no interest was accruing?
Consumer complaint received 2024-01-23
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. (TX)

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.

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 2023-06-20
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. (VA)

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX SSN : XXXX Transunion XXXX XXXX XXXX XXXX, PA XXXX I need you to investigate the following Account. 
XXXX XXXX XXXX. 

I request you provide me with proof of this alleged payments being late. If unable to provide or lacking proof of this payment being late, update payment history to paid as agreed never late ( XXXX ). Please provide detailed description of all procedures used in your process to determine complete accuracy of information reported. Once you have finished your investigations, send me an updated credit report to the address stated above. 

Thank you. 
XXXX XXXX
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions 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 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 2024-08-06
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: BARCLAYS BANK DELAWARE (OH)

I have two personal credit cards with Barclays. On XX/XX/XXXX I used a convenience check to transfer a balance in the amount of {$25000.00} with a promotional 0 % APR until XX/XX/XXXX. This came with a balance transfer fee in the amount of {$1200.00}. Since then I have made regular minimum payments on the credit card, and paid the balance in full on XX/XX/XXXX, XXXX days before the promotional period expired. 

I have a second card with Barclays, that carries a 0 % APR promotional balance in the amount of approximately {$14000.00}. It has also been paid in regular minimum payments and is in good standing. 

On XX/XX/XXXX, Barclays issued two letters that I received on XX/XX/XXXX. Each stated that there was a change to my credit line, one letter for each card. Both credit lines were reduced stating the primary reasons for change : " Balances too high on revolving accounts '' and " Too many accounts with balances ''.

According to my credit report, I am only using 37 % of my credit, and that includes the two Barclay cards that have a high utilization from Barclay, only because of the promotional offer Barclay solicited to their consumers.

It is clear in my opinion that Barclay is punishing consumers that take advantage of their promotional balance transfer offers by reducing the credit lines of consumers who are holding high account balances because of their promotional offers. I firmly believe Barclay is intentionally damaging consumers by reducing their available credit so that 1 ) consumers are at a higher risk of exceeding their credit limit to solicit more fees from consumers, and 2 ) further damage the credit score of consumers by affecting their credit usage and utilization on consumer reports.
Consumer complaint received 2024-07-21
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. (MN)

XXXX and Transunion are reporting an account that doesn't belong to XXXX XXXX XXXX. The company that is being reported in error is XXXX XXXX XXXX. The name they are reporting is XXXX XXXX. My name is XXXX XXXX XXXX. 

Attached is documentations shows it being reported to XXXX and transunion. XXXX XXXX  credit file it has been disputed and deleted as of XX/XX/year>. 

Please see attached proof of identity my driver 's license, ss card, and utility bill for address proof.
Consumer complaint received 2023-04-27
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. (NJ)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-15
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I XXXX XXXX XXXX due to a XXXX XXXX. Once I started to XXXX with income. I kept calling capital one and asking for a hardship every week for about 3 months. I kept getting denied. They finally decided to gave me a hardship. We agreed to XXXX XXXXXXXX. Every time I go into make a payment it says over {$400.00} due. I refuse to pay until they fix that. I alerted them on this already. It's still not fixed. They ignored me completely. Even after reporting them to the XXXX. Now they're threatening to do a charge off if i don't pay over {$600.00} due by XXXXXXXX 

Aside from this, I made the horrible decision to also have my car loan with capital one. Worst mistake. It's been months of me trying to get a hardship on my car loan and getting denied. One employee suggested I let my car go into collections to receive any kinda help from capital ... seriously? The point of me communicating ahead of time is to prevent damage. This situation has forced me to prioritize my car payments over all else. 

Capital doesn't care about customers or certainly not me. I dont have many accounts. But the ones I do have, they all have helped me in hardship. capital is single handedly destroying my credit and making things way more complicated than needed. The worst bank I've ever delt with. Carless. 

If they had given me the hardship from the start. I wouldn't be in this mess they created from greed.
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

Transunion is unable or unwilling to provide a credit freeze. Their website is unresponsive. Their Chat function on social media ( XXXX ) is unresponsive. This is unacceptable. 

I have spent hours trying to freeze my credit report today XX/XX/scrub>XXXX