davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This company has never sent me a bill of verification of debt. I have disputed on my credit report but the bureau has not properly investigated. I have not taken a loan by phone out nor do I believe to owe this debt. I have also filed this with the federal trade commission.
Consumer complaint received 2023-12-19
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Tenaglia & Hunt, PA (NY)

On XX/XX/2023 I entered into a settlement agreement with XXXXXXXX XXXX XXXX through their attorneys Tenaglia and Hunt regarding a lawsuit they had filed against me regarding an alleged credit card debt. Shortly thereafter I made payment in the amount of {$1300.00} as specified in the stipulation of settlement. In early XXXX I became aware that XXXX was continuing to report the account as a charged off debt with an outstanding balance in direct violation of the settlement agreement and made multiple attempts to contact XXXX by phone and email receiving no response. I then contact the XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  and was informed of the following : XXXX. The Stipulation of Settlement and Notice of Discontinuance provided to me by Tenaglia and Hunt had never been filed with the court and XXXX. The court had denied XXXX Motion for Default Judgement and Dismissed the initial complaint against me on XX/XX/2023. 

I believe that XXXX XXXX and Tenaglia and Hunt fraudulently induced me to make payment on an account I was not legally responsible for, falsely represented the status of the lawsuit against me in negotiating a settlement of a case which had already been dismissed and knowingly reported false information to the credit bureaus.
Consumer complaint received 2024-03-25
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: Experian Information Solutions Inc. (AR)

I hope this letter finds you well. I am writing to address the ongoing issue regarding a late open account on my credit report despite multiple attempts to correct it. This marks my fifth formal attempt to rectify this matter, which remains unresolved despite previous assurances and efforts. 

As previously communicated, the presence of this late open account inaccurately reflects upon my creditworthiness and financial responsibility. Despite my diligent efforts to provide documentation and evidence supporting the erroneous nature of this entry, it continues to persist, casting a shadow over my credit profile. 

I demand immediate action to rectify this discrepancy and remove the late open account from my credit file. It is imperative that your team conducts a thorough review of the documentation provided and takes decisive steps to correct this error without further delay. 

Failure to address this issue promptly and effectively will leave me with no choice but to escalate this matter through appropriate channels, including regulatory authorities and legal avenues. With this, I am asking for your assistance to correct this account in my credit file : XXXX XXXX XXXX : {$0.00}.
Consumer complaint received 2023-12-19
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Imperial Finance Corp (IN)

XXXX XXXX from Imperial Finance Corp has been attempting to contact me and my wife for a made-up debt of over {$55000.00}. I have been called, texted, and emailed repeatedly. 
XXXX of the emails had several other unknown personal email addresses copied. They are spamming random people over this. 

The website ( IMPERIALFINANCECORP.COM ) appears to have only existed since XX/XX/2023. The website is highly suspicious and contains very little information, and only XXXX way to contact " them '' by email at XXXX There also appears to be no legal business registration or location. 

They are using many invasive tactics, calling and texting outside of normal business hours, repeatedly calling and have not stopped when asked to do so. 

The fact they are also calling my wife attempting to " look for me '' is also concerning.
Consumer complaint received 2024-01-30
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. (OH)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected.

XXXX XXXX Balance : {$520.00} ; XXXX XXXX XXXX XXXX XXXX {$5000.00}.
Consumer complaint received 2023-12-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (PA)

I have federal student loans with Edfinancial, and since the Federal Pause was lifted, my monthly payment increased by {$60.00}. When I called in XX/XX/XXXXXXXX  to ask why my payments had increased, the customer service agent told me I was enrolled in an Income Contingent Repayment Plan. I have NEVER signed up for an Incoment Contingent Repayment Plan. I have been on a Standard Repayment Plan since I graduated in XXXX, and it is of NO financial benefit to me to be in any other plan. The customer service rep. even confirmed that it is not beneficial to be on an Income Contingent plan. I asked if she could correct this issue, and she told me that it would take approximately 2 pay cycle to correct because they are behind. She even confirmed this is an error. It has now been two full pay cycles and the error has not been corrected. I have tried numerous times to contact Edfinancial via Email, and by phone for a status update but I can not get through. The emails have not received a reply and customers can not get past the automated phone tree. The phone line asks for your social security number, and then date of birth, and then the menu repeats and asks you to re-enter both SSN and DOB. 


I have escalated this to my Congressional Representative and they shared I am not the only person in their district with this issue, and they shared this is widespread. How is this business allowed to operate with these massive errors?
Consumer complaint received 2023-06-27
Product: Credit reporting, credit repair services, 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. (TX)

My name is XXXX 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 accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2024-03-25
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: Experian Information Solutions Inc. (FL)

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-13
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: EQUIFAX, INC. (FL)

I hope this letter finds you well. I am writing to follow up on my dispute regarding hard inquiries on my credit report, which were conducted without my explicit consent. Following a comprehensive review of my credit file, I uncovered several unauthorized inquiries into my credit history, resulting in hard inquiry entries on my Equifax credit report, as detailed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-25
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: Experian Information Solutions Inc. (FL)

I had paid XXXX XXXX XXXX immediately the same day it showed up under my collections on Experian. XXXX said they would update my account and notify Experian that it had been paid in full and that it should be removed from Collections. They also said they would send me a statement in the mail of my closed paid in full account. As of today it is still incorrectly showing on my report. I notified Experian of this improper account, with proof of receipt. Experian although opened an investigation closed it out a few days later with no modifications, no message and no report, and no evidence as to why the account is remaining incorrectly. 

Experian is not following the rules and investigation Protocol under the consumer rights act. 

This account needs to be removed
Consumer complaint received 2023-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

RE : Equifax  ; XXXX, XXXX  ; Account # XXXX Per the FCRA, as a federally protected consumer I have never received notice nor any disclosure to opt out per 15 USC 6802. 

Also, as a federally protected consumer I have never received any disclosure on Equifax, XXXX nor XXXX  privacy policy disclosing of the sharing of any private and personal information per 15 USC 6803. 

Furthermore, Per the FCRA, as a federally protected consumer I am now opting out of any and all authorization, I the consumer may have given you whether written, unwritten, verbal, and non-verbal per the rule making of 15 USC 6804 and the enforcement per 15 USC 6805. 

Per the privacy act of 1974, the financial institution XXXX  violated their terms and conditions against me as they promised not to share my banking, personal, and private information with non-affiliates. I am demanding that each party included in this letter provide proof of this authorization to have and share my information. The credit agencies keep stating the bank gave them authorization to have information, but my institution says they dont give it to non-affiliates. 

Lastly, this account is reporting inaccurately across all credit agencies and needs to be updated immediately to paid as agreed reflect all payments made on time to be accurate. Per the FCRA a report containing information between a consumer and the person making the report is excluded per 15 USC 1681a ( 2 ) ( A ) ( i ) I am seeking compensation for these violations and damage that has caused me great hardship in life and for the account to be updated as paid as agreed. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-12-18
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (OH)

I received a notification from Chase that they are closing my 3 credit cards that I have and they service. I have never been late and my credit is flawless. I was informed that was being closed because of prior account being closed! That was over 10 years ago and now they want to close after all that time! Very inconvenient as I use the cards and the partners that they represent. It is hard to understand why now?? Why ever?? I am a good customer and pay my bills on time! This will also hurt my credit which is unacceptable to me! I am asking for your help in this situation. Thank you
Consumer complaint received 2024-04-13
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)

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. 

XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX # XXXXXXXX XXXX XXXX # XXXX 15 U.S.C 1681 602 A. State 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 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 2023-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OH)

This is not a duplicate report and this is not filed by a XXXX party or XXXX XXXX XXXX. 
In accordance with the Fair Credit Reporting Act Convergent, these accounts below has violated my rights according to 15 U.S.C 1681 section 602 A. States, I have a 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. 

Account Name : XXXX XXXX Account Name : XXXX XXXX XXXX
Consumer complaint received 2023-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-12-13
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: EQUIFAX, INC. (MS)

I have contacted all companies to remove inquiries and have also frozen my credit report with filing out forms for ID theft These are some companies that have used my information without permission 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BARCLAYS BANK DELAWARE (NY)

On XX/XX/, I went to Old Navy at the XXXX XXXX XXXX in XXXX New York ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX, XXXX : XXXX. After purchasing some clothing, the clerk suggested I sign up for an Old Navyist Rewards Card. I did so, and was told that Id receive the card in the mail the following week. 

On XX/XX/2022, I received an email from Old Navy notifying me that my card ending in # XXXX had been activated. I was confused, as I had never received the card. I then received an email from Old Navy 4 days later stating that the activity on my account might be related to fraud. I immediately contacted Old Navy concerning the matter. 

Apparently, an individual or individuals in the State of Georgia had purchased merchandise totaling {$7500.00} on XX/XX/2022, the same day that I had received the email from Old Navy stating that my card ending in # XXXX had been activated. 

Following this incident of fraud, the XXXX XXXX XXXX XXXX sent a letter asking to collect the debt. Even after I explained it was fraud, they told me all they could do is lower the amount to pay. Since I refused, they told me there was nothing I could do I want to have this form fraud off of my name and be addressed ASAP
Consumer complaint received 2018-11-12
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc. (DC)

I'm a XXXX XXXX XXXX female who was offered a predatory loan of XXXX % with an inconsistent payoff amount in relation to the money I put down on the vehicle. In XXXX of XXXX I brought a used XXXX XXXX XXXX XXXX coupe from XXXX XXXX in XXXX. Within the first two weeks of purchasing the vehicle the engine belt had shredded. 

The first few months I paid over the amount that was due. Then, over the summer I was admitted to the hospital twice, causing a disruption in my entire income and job placement. My first stay at the hospital cost over XXXX dollars and I haven't received my statement for the second hospitalization. The bank, Santander USA, refuses to refinance the loan. 

I have tried to access my account online to download necessary documentation but their online system claims they don't have my social security number on file for me to access it. I have tried multiple times with my SSN and birth date.
Consumer complaint received 2023-12-14
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (OK)

When I called in the person wouldnt answer my question, when I was trnasfered to a supervisor XXXX, I asked him numerous times if the time was currenly before XXXX. he argued that XXXX is AFTER XXXX but no, XXXX is before XXXX. then hekept calling me sir when I have asked them not to use any pronouns other than my names. this is XXXX discrimination.
Consumer complaint received 2023-12-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

on XX/XX/XXXX i received a fraud alert for XXXX at XXXX est, I took a look at my account and notice fifth third let 4 transaction for through with my debit card number from TEXAS before alerting me on the XXXX ( IM IN MICHIGAN ), i replied no to the text and was asked to call immediately so i did. 

it took me 4 tries to get to someone who wasn't lazy the first 3 kept telling me i have to call back during normal business hours to talk to PERSONAL CHECKING, they were ignoring my this isn't personal its business, finally the XXXX person helped me, blocked the card and sent a new one, but said he couldn't dispute the other charges because that was a different dept., and they were closed until XXXX the next day. 

I called started the dispute and nothing, until i get a final overdraft warning letter, they NEVER started the dispute and not only are giving me the run around, but they gave the lady at my local branch the run around on Tuesday when she attempted to tall and help me. 

at this point i believe they just want to extort money from me.. 

one rep ACTUALLY said that i teleported to Texas to watch a movie, because I am like " Right now i am on my couch in MICHIGAN after a long day at work watching tv, what did i do? teleport down there? ''
Consumer complaint received 2023-12-13
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (LA)

I have maintained a Bank of America credit card since XXXX and they have always mailed me a statement of my account by US mail when I used the card. On XX/XX/XXXX, I charged the amount of {$17.00} on the card. On XX/XX/XXXX, I received a notice from my bank that my credit report reflected a late payment. After researching this " delinquent payment notification '', I discovered that there was an unpaid balance on my Bank of America credit card. This notification also dropped my credit score from XXXX to XXXX. I never receive a billing statement from Bank of America in the mail for this charge. When I called Bank of America about this unpaid balance they told me the statement was emailed to an old email account that I don't regularly check. Without my knowledge, or consent, they changed my account to " paperless billing ''. I have since paid 100 % of the balance ( including interest ). I also called them to have them retract the delinquent payment notification to the credit agencies and they have denied my requests.
Consumer complaint received 2018-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Conn's, Inc. (TX)

On or about XX/XX/2018 I sent the attached letter ( Conn 's 623 letter ) to Conn 's detailing inaccuracies they are reporting to XXXX, XXXX, and XXXX. Under section 623. ( a ) ( 8 ) of FCRA entitled ABILITY OF CONSUMER TO DISPUTE INFORMATION DIRECTLY WITH FURNISHER I am entitled to dispure inaccurate information to the data furnisher. I've previously disputed this information directly to the credit bureaus, but Conn 's is determined to flout the law and keep reporting information they know to be inaccurate. Under 623. ( b ) of the FCRA entitled 623. ( b ) Duties of furnishers of information upon notice of dispute it states in part that " In general. After receiving notice pursuant to section 611 ( a ) ( 2 ) [ 1681i ] of a dispute with regard to the completeness or accuracy of any information provided by a person to a consumer reporting agency, the person shall ( A ) conduct an investigation with respect to the disputed information ''. In this case Conn 's was provided all the information they needed including a copy of the credit report ( with the tradeline circled ), my partial account number, the basis for the dispute, and the report number from the credit bureau.
Consumer complaint received 2024-01-08
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: TRUIST FINANCIAL CORPORATION (OH)

My ex wife had me removed from the deed and I was the sole person on the mortgage. XXXX XXXX XXXX XXXX XXXX ga XXXX. Then she contacted truist mortgage and told them I was missing for a year when I wasnt and had the bank let her make the decisions for the account and eventually close and refinance. Then she took the escrow check made out to me in my name and deposit it into her bank account.