davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-26
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. (VA)

After pulling my credit profile over a year ago an inaccurate public record was reporting that I disputed immediately with supporting documents and mailed via certified mail to Transunion. I also disputed the public record with the data furnisher XXXX after Transunion advised me of that in writing. XXXX has since deleted the public record from their profile ( I have a letter from them as proof ) this letter & a letter from the courts they stated " provided the the info '' was mailed also stating they DO NOT report to the credit bureaus was then mailed to Transunion via certified mail yet they continue to refuse to investigate the disputed item & to remove it. After receipt of this a rep from Transunion stated they do not remove items from letters from consumers & that it would need to come directly from the furnisher, ( tracking # to TU XX/XX/21 delivered XX/XX/21 # XXXX ) therefore another letter was sent to XXXX via certified mail XX/XX/21 delivered XX/XX/21 ( tracking # XXXX ) I keep receiving letters that state " they do not have to review the item & to send addt info to support my dispute '' & I send new addt docs & proof that NO other bureau is reporting this public record. Another certified letter was mailed XX/XX/21 per tracking the letter was received by Transunion on XX/XX/21 ( tracking # XXXX I have more ) yet I received the same letter dated XX/XX/21 that I have been receiving for the past year. Basically, in less than 48hrs someone reviewed the NEW docs that was mailed that I have copies of and generated a letter that I received today XX/XX/21? It is clear that they DO NOT review nor verify the items they are reporting on a consumer 's report nor do they review the supporting docs they request you to submit to validate the request. I have tried to contact them via phone and was left on hold for 2hrs & 20 mins ( I have screenshots ). Please help as I feel they are in violation of the FCRA. Thank you for your time.
Consumer complaint received 2023-09-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A. (PA)

A trust account was left to me upon my fathers death. My father passed away XX/XX/XXXX. I went into PNC Bank and spoke to XXXX XXXX on XX/XX/XXXX to see about my trust account that my father had left to me. 
I visited the PNC Bank in XXXX XXXX XXXX First I spoke with XXXX and then to XXXX XXXX XXXX He said that the account would remain in my name and my dads name would just fall off. He ordered me checks and printed me a debit card with my name on it. I just now received tax information that their was an administrative error to my account and that the account belonged to the estate. This is inaccurate information.
Consumer complaint received 2023-04-24
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. (FL)

I have not applied for the items listed on this form. I had my wallet stolen from my locker at the gym and since that time inquiries have been appearing on my credit report. Please delete this from my credit XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXXXXXX 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 XXXXXXXX XX/XX/XXXX
Consumer complaint received 2023-09-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION (GA)

I applied for a checking account with Navy Federal because I qualify due to my roommate. 

Navy Federal has yet to approve my application, I have submitted all of the requested documentation and still have yet to be issued a debit card or account number for my checking account.
Consumer complaint received 2023-10-11
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. (NY)

My name is XXXX 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 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.
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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.
Consumer complaint received 2024-03-13
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: Experian Information Solutions Inc. (FL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-08-14
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)

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable collection accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding these accounts. 

XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

This is XXXX XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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.
Consumer complaint received 2023-10-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (DC)

MOHELA has been absolutely disgraceful in handling the resumption of student loan payments. My ( and my wife 's ) monthly loan repayment was calculated incorrectly after I was switched to the SAVE plan. I spent hours on hold and talking to representatives trying to get this corrected. It took escalating to a supervisor ( and many more hours on hold ) to get this problem addressed on XX/XX/23. I was told it would take XXXX business days for this to be fixed, 7 days at most. It is now XX/XX/23 and both my and my wife 's monthly payment has not been recalculated. Furthermore, 4 out of my 8 loans were put on an administrative forbearance while this is being figured out, but the other 4 inexplicably were not and my account is listing an ( incorrect ) payment that is due XX/XX/23. I have been patient waiting for MOHELA to figure this out, however after waiting for an hour on hold today ( XX/XX/23 ), I was redirected to a survey of " how are we doing '' and then was hung up on. Best believe I left an incredulous answer to this survey. This has been extremely frustrating to deal with a company that has had three years to prepare for payments restarting, yet somehow is acting as if they were told last week.
Consumer complaint received 2024-03-13
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: Experian Information Solutions Inc. (SC)

Late last night I began receiving emails stating that my application for a personal loan through several third party websites, including XXXX, XXXX, and XXXX had been denied. I have not applied for any loans recently. I was able to trace one of these emails back to the original creditor, XXXX XXXX XXXX. This bank seems to specialize in providing loans for trucking companies, which I certainly would not be applying for.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

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 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 2024-08-09
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. (GA)

You are in violation of 15 USC 1681s- ( 2 ) ( B ) and 15 USC 1681s- ( 2 ) ( E ) Responsibilities of furnishers of information to consumer reporting agencies. A furnisher has a " ( 2 ) Duty to correct and update information '' " A person who ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate '' You have failed to conduct a reasonable investigation within a timely matter and notify me of the results according to 15 USC 1681s ( 2 ) ( E ) Duty of person after receiving notice of dispute. " After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall ( i ) conduct an investigation with respect to the disputed information ; ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such persons investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 1681i ( a ) ( 1 ) of this title within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section; and ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate. 
Please see the attached disputes sent over the last few months.
Consumer complaint received 2023-04-05
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (AZ)

I sent a letter to XXXX, and Equifax on XX/XX/. Cfpb case number ( Equifax:XXXX XXXX ) ( XXXX XXXX ) Its been well over 30 days and still have not received anything back from XXXX and equifax. According to 15 USC 1681i ( a ) ( 1 ) ( A ) XXXX, XXXX, and Equifax have 30 days to respond to my dispute. This is a violation of my rights. This collection in my account is not mine and its causing me time and money lost. Due to being in the process of purchasing a home. I understand I have up to {$1000.00} for damages this account is reporting. 
Otherwise, have XXXX XXXX XXXX XXXX XXXX XXXX  ) removed immediately.
Consumer complaint received 2023-10-11
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. (MI)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.
Consumer complaint received 2024-03-13
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. (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 XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX and 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 2023-10-11
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (NY)

Dear Sir/Madam, I have a Best Buy Visa Store Card which offers promotional purchases with zero interest rates which expires on a certain agreed upon date. 
There have been several times where the " automated '' system deliberately allocates payments towards higher balanced items rather than the next expiring promotional balance. 
To safe guard against this, I can not always rely on the billing statements which indicate how much I need to pay in total to avoid interest. 
Citibank which services Best Buy XXXX Store Card has a feature online where you can view exactly the amount owed on a specific promotional balance. 
This is greatly useful as it updates after a payment is made. 
Recently in the last four ( 4 ) to six ( 6 ) billing cycle this feature has been " offline ''. 
When I contacted customer support using their " messaging '' system they had failed to read the issue and copy pasted a generic response. 
When I called in I had to wait around an hour to get in touch with a representative who confirmed that the payments made paid off the promotional balances. 
I informed the representative that the feature which made this process easier has been " offline '' for several months which was concerning to me as a consumer ; especially when there is an automated allocation system which prefers paying off higher balanced promotions rather than the next expiring one. This is anti consumer is designed by Citibank to insure purchasers pay monthly expecting that the amounts go to the next balance but then when it is too late they find out that the allocation system did not do so and they end up paying Citbank interest when it could easily be avoided. 
The response I received from the Citibank 's messaging system was not only frustrating but also concerning. They have no concern of whether the customer 's issue was resolved ; instead they exist to enforce Citibank policy without knowing that Consumers have certain recourses when " Company policy '' is inherently anti consumer. 
I have attached the following as evidence : Best Buy XX/XX/2023 statement ( See Exhibit A ) Citibank Customer Service message ( See Exhibit B ) Citibank feature which is no longer operating ( See Exhibit C )
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2023-10-11
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (CO)

On XX/XX/XXXX I reported fraud to Synchrony Bank. I filled out the form they requested I complete. I have written 2 letters continuing to object to the fraudulent charges. The charges occurred in states I have never been to with merchants I have never done business with. Synchrony has not sent me anything stating the results of their investigation, over 90 days have passed, and they are in violation of the Fair Debt Collection Practices Act. They continue to charge me for fraudulent charges. 

I asked the Colorado Attorney General for help, and they declined to provide any. 

PLEASE HELP!!!!
Consumer complaint received 2023-06-23
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. (PA)

Some accounts listed on my credit report do not belong to me or that I did not open. This is my police report : XXXX, and the accounts are listed below : - XXXX Account # XXXX - XXXX XXXX XXXX Account # XXXX
Consumer complaint received 2023-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Velocity Portfolio Group (TX)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2021-08-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc. (LA)

Upon checking my credit file I saw Franklin Collections on my account multiple times for the amounts of XXXX $ # XXXX, XXXX $ # XXXX, XXXX $ # XXXX, XXXX {$100000.00}. First off I am a veteran and the VA takes care of any and all of my medical bills. Second I never received no type of communication phone call nor dunning letter about these alleged bills. Third I contacted XXXX in regards to what i saw on my credit file they have no knowledge of these bills nor it being sent to collections because they stated they area non-profit hospital so they do not send bills via third party for payment it gets charged off if something is not paid but they have no record the these bills in their system. This is not my debt and I want this removed from all reporting agencies and credit files until they can provide LEGAL documentation stating I did business with them in which i Never have.