davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-15
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. (IN)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2024-04-15
Product: Credit reporting 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. (GA)

in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-04-15
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. (NJ)

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as XXXX, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-18
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: NEW YORK COMMUNITY BANCORP INC (OK)

They called on a Sunday, they also have been calling on repeat. The account has been purchased by a third party and I did not get notified that it was happening nor did I agree. I also had disputed account with original creditor and they did not follow on the terms and conditions that they set and charged fees that were not valid. There was a lawsuit for it.
Consumer complaint received 2024-04-15
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. (NJ)

I submitted this complaint to update this suspicious information. XXXX Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX AM XXXX FIN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-16
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Self Financial Inc. (AZ)

This account was open during COVID XXXX by my ex-husband with out my knowledge on- line. now we are divorced and I placed this in my divorced to have debit placed on his social security and it was grated XX/XX/XXXX.
Consumer complaint received 2018-11-15
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (MA)

2004 I been scammed into having multiple loans under one cant get payments down currently at {$16000.00}. XXXX XXXX has loans from Sallie Mae which I believe are not safe to deal with because there a rip off. I want to get this off my report. I keep getting the deferment that doesnt work for me because its still messing with my credit
Consumer complaint received 2018-11-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (TX)

Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
Consumer complaint received 2024-07-01
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: CITIZENS FINANCIAL GROUP, INC. (IL)

XX/XX/year> called about the loan modification, was told it was denied due to needing an application. Tried to access the website loansolutionscenter.com but website was down. XXXX stated to try the site again in XXXX hours but the application is being mailed. Tried the website again and there was an error with my information. Called back at XXXX for assistance. 

XX/XX/year> called to receive an update about the loan documents submitted on XXXX. Representative stated an update should be received in the next XXXX business days. There was no update provided today. 

XX/XX/year> called to check status. Notified rep that a financial packet was never received. Given the website to obtain a financial form. Rep stated that they could not email the form. Given the website to obtain the form Citizensbank.com/loans/mortgage-trouble-making-payments. Asked what documents are still needed. Rep stated that I will get a follow up call about the documents still needed within a week, if not to call back
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-04-15
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

the reporting agency is violating XXXX law by reporting a very confidential medical issue of mine i got a letter from the medical dept. and they said they do not report any debt to the reporting agencies as it would violate XXXX. the amount is {$9500.00} by XXXX XXXX original creditor is XXXX XXXX XXXX i have wrote the agency multiple times with no response pls help me out thanks..
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

As I understand it, under FCRA 605B, wrongly reported accounts should be taken off credit reports. I'm not sure what went wrong, but please check the accounts in the documents. They are inaccurately reported on my credit, causing distress. I need your help.
Consumer complaint received 2023-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NV)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX {$9700.00} ; XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2024-04-15
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. ()

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX  XXXX XXXX Balance : {$870.00} XXXX XXXX Balance : {$830.00} XXXX  XXXX  XXXX Balance : $ XXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX Balance : {$1300.00} XXXX  XXXX XXXX Balance : {$870.00} XXXX XXXX Balance : {$830.00} XXXX XXXX XXXXXXXX Balance : {$23000.00} XXXX XXXX Balance : {$1300.00} XXXX  XXXX XXXX Balance : {$870.00} XXXX XXXX Balance : {$830.00} XXXX XXXX XXXXXXXX Balance : {$23000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXX Balance : {$1300.00}
Consumer complaint received 2023-04-15
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (AZ)

in XXXX I was rewarded a discharge XXXX  XXXX. My debt was cleared except for Navient Solutions. Considering they are a private lender the bankruptcy order will clear and granted this debt to be discharge. Navient Solutions disregarded the order and proceeded to mislead/ call/ harass me into the debt. I have documentation of Navient affecting my credit after the bankruptcy which is fraud. I went to XXXX XXXX were mis practice of false predatory loans. 
XX/XX/XXXX, I reopened my bankruptcy to petition Navient now this third-party aid vantage for the debt discharge and being sold to the third party this is illegal and misuse of my information exhibits I have enclosed in the case will be provided in the documents and letters of communication of the judge. pursuant 1638 ( e ) ( 7 ) My truth and lending rights have been violated and the debt has been sold to a third party to a debt that has been discharges two years prior to consolidating. i will be updating the CFPB after I win this case.
Consumer complaint received 2024-04-15
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. (GA)

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY. THE CREDIT REPORTING AGENCIES TRANSUNION, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISED INFORMATION WITHOUT MY CONSENT. 
INCLUDING THE FOLLOWING INQUIRIES XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX AND XXXX XXXX XX/XX/XXXX ON MY CONSUMER REPORT. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681B, which outlines the permissible purpose of consumer reports. I have requested Form SSA-89 from XXXX XXXX XXXX XXXX XXXX  XXXX AND XXXX XXXX WHICH IS A FORM THAT SHOULD BE FILLED OUT, THEN SIGNED BY THE CONSUMER ( MYSELF ) AS PROOF OF APPLYING FOR THE SAID CREDIT. THE CREDITOR THEMSELVES DO NOT HAVE SUCH DOCUMENTATION AS THIS, WHICH MEANS THEY HAVE FAILED T DO THEIR JOB AS A RESPONSIBLE CREDITOR AND KEEP SUCH FILES IN THEIR RECORDS FOR THESE REASONS, SO THAT IF IT IS REQUESTED WE WILL KNOW WHO, WHAT WHDEN AND WHERE TO PROCEED ON SAID CASES AS THIS IN THE EVENT OR FRAUD AND IT IS DEEMED AS SO MY PRIVACY HAS BEEN VIOLATED AS WELL 5USC55SA!!!! IAM NOW TRYNG TO PURCHASE A HOME AND THIS IS THE ONLY ITEM NEGATIVELY AFFECTING MY CREDIT IN THIS CASE. PLEASE REMOVE IN THE 1-4 BUSINESS DAYS AS THE DISPUTING TIMEFRAME HAS BEEN ELAPSED AND THE SAID FORM NOT BEEN RECEIVED. THANK YOU FOR YOUR PROMPTNESS.
Consumer complaint received 2024-04-15
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. (MS)

I recently obtained a copy of my credit report and noticed that I have some hard inquiries that i did not authorize. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I insist on the removal of this late payment from my account as it does not faithfully depict my payment history. I have consistently made timely payments, and it is unjust to be marked with this inaccurate entry. I urge you to promptly update my account.
Consumer complaint received 2024-05-22
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION (GA)

The financial Institution promoted the XXXX XXXX account as a benefit to my account, however ever since having the XXXX XXXX to my checking account I have not been able to catch the account up and manage my regular everyday responsibilities. 

The account has stayed in a negative status since I started using the account, but the financial institution has not offered any support to remedy the matter. 

The financial institution has trigged XXXX as I was not provided the proper required disclosures to allow me to make an informative decision of how this type of account might negatively affect me prior to obligating myself into a trap of repeated over draft. 

The collection of the account forcing my account into a never ending draft status is unconscionable as I have regular routine financial responsibilities that I have not been able to meet due to this matter. 

Now the financial institution is threating to take adverse action to close my account, but the account is FDIC in the amount of {$250000.00} which the financial institution has recouped the insurance several times but has left me struggling to repay each time.
Consumer complaint received 2024-06-25
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (MO)

I am writing to express my frustration and disappointment regarding the handling of a promotional offer for new checking account members. I opened a new checking account with Chase Bank on XX/XX/2024, and made the qualifying deposits within the required 90-day period.

Despite fulfilling all the necessary conditions to qualify for the promotion, I have not received the promised benefits. I reached out to my banker via email on three separate occasions to inquire about my eligibility and the status of the promotional offer. Unfortunately, I did not receive any response to my in regards to the status of promotional offer inquiries. 

Subsequently, I scheduled a phone conversation with my banker. During this call, my banker mentioned that they did not remember if they had entered the promotional coupon code when the account was opened. They further stated that they were unable to honor the promotion now because my account has been open for too long. 

This situation is unacceptable and highly disappointing. I have complied with all the terms and conditions of the promotion, and it is through no fault of my own that the promotional code may not have been entered at the time of account opening. I believe I am entitled to the promotional benefits, and I am requesting immediate rectification of this matter. 

I kindly ask that you investigate this issue and honor the promotional offer as initially promised. Please provide me with a resolution to this matter at your earliest convenience. 

Thank you for your attention to this matter. I look forward to your prompt response.
Consumer complaint received 2018-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NV)

A mortgage lending company pulled my credit on XX/XX/2018. I reviewed my credit report and found several errors and several accounts that do not belong to me. On XX/XX/2018 I submitted a credit dispute to XXXX XXXX, XXXX. In the credit dispute, I described the errors with my credit report and asked the credit bureau ( Experian ) to remove the accounts from my file. On XX/XX/2018 I received a reply from Experian stating they received a certification that the information is accurate. But they have not provided me with any documentation or other evidence to support their claim.
Consumer complaint received 2024-06-13
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: BARCLAYS BANK DELAWARE (OH)

I started getting the calls in XXXX of 2023, I sent letters to verify the dept. Show me my original contract with my signature and the card agreement. Also the proof that you have the right to sue for the dept. All they did was send me court papers with a copies of one of my credit card bills. I asked again, I have yet to get any reply.

I sent a letter to cease contacting me at my home and job XX/XX/year>2023. From that time to now, the call me 6 or 7 times a day. And 6 or 7 times at my Job. My Boss has gotten on the phone several times and ask them not to call, nicely and not so nice and that this is a business. That stopped nothing.

They call every day except Sunday. Its been going on for 2 years now and my Job is not being understanding anymore. This week alone I have 30 and its just Thursday. I can only imagine how many the shop is getting. I'm really starting to get in fear of loosing my job if this doesn't stop.

I've seen this on t.v. but I never thought it would be happening to me.

I appreciate anything you can do to help. 
Thank you so much XXXX XXXX
Consumer complaint received 2024-05-16
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: EQUIFAX, INC. (IL)

In continuance of my previous dispute against XXXX Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation.
Consumer complaint received 2024-05-16
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. (IL)

12 US Code 1431 ( b ) Issuance of XXXX XXXX XXXX XXXX XXXX  debentures ; Restrictions The office of finance as agents for the ( banks ), may issue consolidated ( XXXX XXXX XXXX XXXX  ) debentures which shall be the joint and several obligations of all ( XXXX ) organized and existing under this chapter, in order to provide funds for any such ( bank ) or banks and such debentures shall be issued upon such terms and conditions as such office may prescribe. 

XXXX as used in this chapter ( 1 ) ( A ) Bank. The term XXXX XXXX XXXX XXXX or XXXX  means a bank established under the authority of this chapter. ( B ) Bank system. The term XXXX XXXX XXXX XXXX  XXXX means the XXXX XXXX XXXX XXXX  under the supervision of the Director.

Director as used in this chapter ( 11 ) Director. The term Director means the Director of the XXXX XXXX XXXX XXXX. 

Debenture ( debt instrument ) in corporate finance a debenture is a medium to long term debt instrument used by large companies to borrow money at a fixed rate of interest .The legal term debenture originally referred to a document that either creates a debt or acknowledges it. 

In summary the banks borrowed your information and submitted it for some money without your consent which is I.D theft and now trying to put interest on it to make money. 

12 US CODE 1431e ) Acceptance of deposits ; restrictions on transaction of banking business ; collection and settlement of checks, drafts, etc. ; charges ; rules and regulations ( 1 ) Each XXXX XXXX XXXX XXXX shall have power to accept deposits made by members of such bank or by any other XXXX XXXX XXXX XXXX  or other instrumentality of the United States, upon such terms and conditions as the Director may prescribe, but no XXXX XXXX XXXX XXXX  shall transact any banking or other business not incidental to activities authorized by this chapter. 

So if you get a loan from the bank they get all your information you give them consent to your credit card which is your social security # and then turn around and they give your information to the office of finance or whomever for the loan without your consent Thats identity theft and they mislead you so there true intention of the transaction is false which is a violation under 15 US Code 1611 whoever willfully and knowingly 15 us code 1611 ( 1 ) gives false or inaccurate information they willfully and knowingly lied bc they know they can not themselves out of their bank account give you money for the loan.

Also a violation under 15 us code 1681eb 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. 
This bank is reporting to the agencies that they gave me a loan when they cant lend money so now it is not being reported 100 % accurate and must be removed.