davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-02
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. (WI)

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal these companies should NOT be furnisher people 's information to 3rd party companies so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately
Consumer complaint received 2024-04-24
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)

I am XXXX XXXX, and Im submitting this complaint myself and there is no XXXX  party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported in Transunion only.
Consumer complaint received 2024-04-24
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 am writing to formally dispute and request the removal of unauthorized hard inquiries on my credit report, which I believe were made without permissible purpose and in violation of my rights as a consumer. These inquiries have adversely impacted my credit report and may affect my creditworthiness. I kindly request that you investigate these inquiries and take appropriate action in accordance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681b ( Permissible Purpose ). 

Unauthorized Hard Inquiry Details : AL XXXX Inquired on XX/XX/XXXX Business Type : Automotive XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX Inquired on XX/XX/XXXX Business Type : Finance, personal XXXX XXXX XXXX XXXX XXXX, TX XXXX COAF Inquired on XX/XX/XXXX Business Type : Finance, personal XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX Inquired on XX/XX/XXXX Business Type : Finance, personal XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX Inquired on XX/XX/XXXX Business Type : Finance, personal XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Finance, personal XXXX Inquired on XX/XX/XXXX Business Type : Finance, personal XXXX Inquired on XX/XX/XXXX Business Type : Finance, personal XXXX JAMBOREE XXXX XXXX, CA XXXX XXXX Inquired on XX/XX/XXXX Business Type : Finance, personal XXXX JAMBOREE XXXX XXXX, CA XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Finance, personal XXXX XXXX Inquired on XX/XX/XXXX Business Type : Finance, personal XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX CARD Inquired on XX/XX/XXXX XXXX CARD Inquired on XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX FCU Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX Inquired XXXX XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX AUTO FIN Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX SUN XXXX XXXX on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX 2023
Consumer complaint received 2023-09-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TD BANK US HOLDING COMPANY (NV)

My name is XXXX XXXX XXXX XXXX a few months ago I opened two accounts checking and savings, in the city of XXXX, branch llocated at XXXX XXXX XXXX, for work reasons I moved to the state of Nevada. I sent a letter addressed to the branch manager, asking to close both accounts and sent me the checks to my new address, XXXX XXXX XXXX XXXX XXXX Nv XXXX. 
I wait 3 weeks waiting for an answer and I decide to call directly to the bank, I spoke with different people about my situation.At the first time they told me the checks they had sent to my old address. I called to my landlord to see if she has an envelope from TD Bank she said no never got anything in the mail. 
Days later I called back again to the branch, to tell them the letter they sent me was missing. The second call I made to them, They said they never got any letter from me asking to close my accounts, so I asked why the first time when I spoke to them, they told me the checks were sent to the address registered in my account. 
Finally, the people at that branch told me to call customer service number, because they can not do anything there, I been really patient calling to customer service, the same way they told me I have to talk directly to the bank because the decision has to take the branch manager. 
I spoke 3 times with customer service asking to help me to resolve this situation. They were supposed to send emails to the branch manager waiting for answers. 
I can not believe this bank treat customer this way, because I'm XXXX? at that branch they pretended not understand what I said, they even transferred to someone who spoke XXXX. The same way I explain to that person in XXXX he did do anything. 
I feel discriminated against with all people I spoke in that branch, just to claim my money.
Consumer complaint received 2023-11-02
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. (TN)

In accordance with 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : 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 2024-04-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I was checking my credit report after data breach reports received and I detect this collection account. XXXX XXXX XXXX XXXX, doesn't related to me and a hard inquiry of XXXX XXXX. These account has to be removed as FCRA required because is hurting my ability to get credit
Consumer complaint received 2023-11-23
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. (CA)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. However, I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 2024-04-24
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. (TX)

I'm experiencing distress, dissatisfaction, and stress concerning the updates in my credit report. Some of my accounts have late payment remarks, despite my consistent track record of making timely payments. I did not miss any payments, and I urgently require your assistance to address this issue.
Consumer complaint received 2023-08-29
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (MI)

At first, our account was frozen with no information given as to why it was frozen. 
After hours of work with the bank, the freeze was removed, but no explanation given. 

Now, we have been waiting for a check to clear for over {$700.00}. It was a mobile deposit made on XX/XX/XXXX. It cleared the bank of the sender of the check on XX/XX/XXXX. I have received notice that the hold was extended at least through XX/XX/XXXX ( XXXX months after the mobile deposit ). 

I was on the phone today, XX/XX/XXXX, asking for more information and expressing a willingness to talk to any department that could clear the check. No information was given as to why the check is being held ; and there was no other department or person I could talk to that could give me more information.
Consumer complaint received 2023-04-30
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: Experian Information Solutions Inc. (GA)

HOW CAN THE ACCOUNT BE VERIFIED WITH EXPERIAN, IF THE FURNISHER HAS STATED IT WAS DELETED?! EXPERIAN HAS VIOLATED SO MANY LAWS WITH THEIR WILLFUL NEGLIGENCE AND NON-COMPLIANCE! I DEMAND YOU DELETE THESE INACCURATE ACCOUNTS FROM MY CONSUMER REPORT IMMEDIATELY!
Consumer complaint received 2023-07-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (MN)

I purchased a Nissan  XXXX XXXX in XXXX and in XX/XX/XXXX the car stopped out of nowhere. I had the car towed to Nissan in XXXX and they informed me that the car needed a new engine and it was covered under my warranty. It was about 2 weeks before I got my vehicle so they loaned me a vehicle in the interim. The following week they stated I could come pick up my vehicle. 

I get a few blocks at a local car wash as they left my car dirty and as I am in line my car starts smoking and there's fluid all over the ground. In trying not to pay for another tow, I drive my vehicle in limp mode back to the dealership for them to tell me that coolant was leaking all over the engine because they didn't put the cap on tight enough, but they wiped it down and it was good, so I left that day with the car, the next day after going to buy my tabs, the car wasnt turning over and was lagging so I brought it back to the dealership for the third time and they stated my alternator and battery was out so I got placed in another loaner car. 

About a week later they contacted me the car was fixed, but at this point I didnt feel safe especially a single mother with XXXX small XXXX. I initated the Lemon Law and started that process. In the midst of that process, they were harrassing me to give the loaner car back and i didnt feel safe driving the car they cant seem to fix. They stated they could call the police on me and report the car as stolen if I dont return it. So I against my will, returned the loaner car in great condition and they returned my car filthy. 

And as im working with the Nissan Arbitrator for the replacement vehicle they make me give all this information over and after weeks, they say im approved and they are sending the check to pay off my current vehicle, but before I can pick up my new car ( thats approved ) I have to wait an additional 2-3 weeks for them to have XXXX a third party vendor to pick up my car before they will pay off the old car. Now as im driving the current car its starting to have starter issues again. This isnt right.
Consumer complaint received 2023-04-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (CA)

in XXXX  i tried to buy a house. the XXXX XXXXXXXX  ran my credit and there were three pending accounts that were not paid. one with XXXX XXXX, second with XXXX XXXX, and the last one with Comenity Bank. the first two accounts were dropped because the loans were in XXXX, and XXXX. I contacted Comenity bank and mentioned about the identity theft, and they responded that I had " benefits from the purchases ''!! Comenity bank sold the debt to XXXX XXXX XXXX, and now they are suing me for the account i never opened or had any idea of existing. i would like this allegation to be deleted from my credit report immediately.
Consumer complaint received 2023-04-27
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

Repeated threatening phone calls at all hours of day including late at night. Also when described my situation they threatened to have me arrested and that they could take my social security XXXX check that I get every month.
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 — Account status incorrect
Company: EQUIFAX, INC. (MI)

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX [ # XXXX ] Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I DISPUTE MY OLD ADDRESS ON MY CREDIT REPORT, AND THERE STILL THERE. I REQUESTED ON XX/XX/2023, XX/XX/2023, XX/XX/2023 AND STILL TIL THIS DAY, THEY HAVENT RESPOND. THE OLD ADDRESS ARE AS FOLLOWED., 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 HELP GET THEM REMOVED.
Consumer complaint received 2023-04-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aldous & Associates, PLLC (TX)

On XX/XX/XXXX I received a notification that there has been a change to my XXXX XXXX credit bureau. Imagine my surprise when a collection agency Ive never heard of and have no communication with play some erroneous amount on my credit bureau. Remove this collection from my credit file and Im thinking {$1000.00} for the damage that youve done to my credit. Next I hire an attorney.
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. (NY)

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of this and all is being investigated by the FTC 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. Please delete the account : XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$7500.00}
Consumer complaint received 2016-11-03
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: Lending Solutions Mortgage/ LSI Mortgage (MO)

I bought a house XX/XX/2015 and had my mortgage through LSI. Through out the process so many concerns and problems happened. My first concern was that they sent me XXXX different closing disclosures with XXXX different interest rates and closing cost. We did not close on time bc they were not ready. I had to pay the mortgage of the house I was buying for a month to keep the contract as we didnt close on time. At time of closing apparently the title company did not receive all needed information and they also left out information required in their documents to the title company. Their was personal heartache involved as my mother was literally given 3 weeks to live during this and I was in another city with her ; I flew back on the originally close date to find out when I landed that we could not close that day- they knew the day before and still had me come and I missed 3 days with my mom bc of it! 
So these are my complaints, let me know if you can do anything.
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions 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. 

Account Name : XXXX  Account Number:XXXX  Account Name : XXXX XXXX XXXXY Account Number:XXXX  Account Name : XXXXXXXX XXXX XXXXXXXX Account Number:XXXX  Account Name : XXXX  Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXXXXXX XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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 2023-11-03
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Lendmark Financial Services (CO)

I had an arrangement with Lendmark I lost my job and then they did not contact me nor did they try to work with me. I than I had contacted them nurmous times to try to make an arrangement they would put me on hold and they would not work with me. They sent me to collection agency which I found out in XX/XX/31 that an office was going to my mailing address and my former employer. I had not had any type of correspondence from either of the companies now I have added interest and legal fees that I don't feel I should have pay if I had no correspondence from them. I feel like this is unfair and they are using gray areas of the laws to charge the anomus fees to the consumer.
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Global Lending Services LLC (PA)

I am writing to file a complaint to GLOBAL LENDING SERVICE regarding the reported unauthorized inquiry on my credit file that is not certifiably compliant and proven valid and/or not documented as fully true and physically verified. My name is XXXX XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX. My date of birth is XXXX, and the last XXXX digits of my social security number are XXXX. The FTC report number associated with this complaint is XXXX have identified likely mendacious and certainly unproven complaint reported account on my credit file that are inaccurate and erroneous l. As a consumer, I am within my federal and state consumer and/or civil rights to demand and/or compel you to have them removed as soon as possible. I am filing this consumer complaint and consumer check for compliance of these particular item that you are reporting under FACTA Title 1 sec. 151 that unambiguously obliges a recounted of the modus. This is a formal dispute of information and reporting.
Consumer complaint received 2023-07-13
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. (CA)

Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/2023. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
PLEASE DELETE THIS FRAUDULENT ITEM : XXXX XXXX XXXX  XXXX
Consumer complaint received 2023-11-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (TN)

I applied for XXXX plan in XXXX. Nelnet would not give me any updates on my XXXX  plan application and i have called XXXX  so many times. I told them before my due date of XX/XX/XXXX that there is nothing on a status update. They told me it would have been processed for my XXXX plan witihn 30 days of XX/XX/XXXX. it was not and i had to request forebearance because they would not process my application. My appllication was approved on XX/XX/XXXX. I have multiple screenshots of XXXX hour hold times.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.