davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MA)

In XX/XX/XXXX and again in XX/XX/XXXX I requested both Equifax and XXXX remove XXXX XXXX XXXX XXXX from my consumer report. As a federally protected consumer these agencies have a duty to report complete and accurate information. Despite it clearly stating in the data reported by XXXX XXXX XXXX XXXX, I opened the account in XXXX nothing was reported until XXXX when because of the pandemic I was unable to make the XXXX payment. Although I had not ever had a late payment until that time. XXXX had never reported the positive payments from XXXX only the negative ones. The total debt was almost XXXX, I was forced to do a warranty in lieu of deed for just under XXXX in XXXX. I contacted the company to seek relief before falling behind and found No assistance was offered even tho people could not even travel or use timeshares at that time. My only option was the Warranty in Lieu of deed. I did strongly state that this should not be reporters to my credit report now especially in light that it was never reported before. I then contacted the reporting agencies to remove the inaccurate information once I saw it was in fact reported and they refused to do so. This is my personal information and I have a federally protected right that it be reported accurately. Under 15 USC 1681 pure accuracy is what is expected in consumer reports and the reporting agencies have a vital role in assembling and evaluating consumer credit and other information on consumers. Further there is a need to insure that consumer reporting agencies excerise their grave responsibilities with fairness, impartiality, and a respect to the consumers right to privacy. It is clear from my 2 attempts to have these entries removed that these agencies have not done what they are supposed to be doing. It is the purposes of this subsection to REQUIRE that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is FAIR and EQUITABLE to the CONSUMER, with regard to the confidentially, ACCURACY, relevancy and proper utilization of such information in accordance with this subsection. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX violated this subsection and has done so thru the consumer reporting credit agencies Equifax and XXXX. Violating 15USC1681 as well as 15USC1681b the privacy Act of XXXX and 16 CFR 433.2 as they have both twice now dismissed my complaint, a clear violation of the above referenced federal consumer protections. In addition I reported to both agencies that XXXX, another consumer credit reporting agency does NOT have this information anywhere on my consumer report. Under 15 USC 6802 I the consumer choose to opt out of this account to be reflected be anywhere on any of my consumer report files. The XXXX report should be identical and currently they are NOT.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX  has reported on my credit that I am the authorized user of a card. The card belongs to my wife, and she has emphatically declared that she did not add me as an authorized user. I contacted XXXX to inquire about the card and explained that at no time did my wife request to add me as an authorized user. I requested the recording of her request and any digital copies of her request to which I was denied. I requested to be removed as I gave no authorization to be added to this card but was again denied. I was instructed to speak with my wife and have her request that I be removed. I spoke with her again in length, to which she again, strongly denied and has no explanation as to why I would have been added as an authorized user. Like me, she is perturbed by XXXX 's actions.
Consumer complaint received 2024-01-15
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. (NY)

TransUnion XXXX to dishonor its consumers, violating the laws which are to protect each consumer. I am a victim of fraud, improper use of credit reporting. after multiple disputes " TransUnion '' continue to report transactions on my report which is illegal and subject " transUnion '' to pay the consumer fines from {$1000.00} or more for each transaction reported. It has also been reported that the CFPB AND FTC took action against " transUnion '' for violation of the FCRA, after such action " TransUnion '' continue to report on my credit inaccurate information which took my score from the XXXX to XXXX. such action has made companies judge me in ways I never imagined. its emotional and mentally breaking. 

WASHINGTON, XXXX Today, the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ) took action against a rental screening subsidiary of the TransUnion conglomerate for violations of the Fair Credit Reporting Act. The TransUnion company failed to take steps to ensure the rental background checks that landlords use to decide who gets housing were accurate. The company also withheld, from renters, the names of third parties that were providing the inaccurate information. The CFPB and FTC requested a federal court to order the TransUnion company to pay {$15.00} XXXX for its lawbreaking behavior and to make significant XXXX to how it reports evictions.
Consumer complaint received 2023-03-30
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. (GA)

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
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 2018-08-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I have a Bank of America Rewards Card that I seldom use. I have had this card for more than 10 years and stopped using it regularly because of frequent credit limit decreases to right above the then existing balance. This has occurred twice during the time I have had the card with Bank of America. My credit limit has been {$5000.00} for several years. My payments are made on time and I have never been over the balance. My current balance is approximately {$2700.00}. Today, I received a notice that my credit limit has been again decreased to {$2800.00}. Just less that {$100.00} from my then exiting balance. They might as well have closed the card. This unfair and deceptive trade practice by Bank of America will cause my credit score to be artificially lowered because my credit profile will now show a credit card that has been " charged to the limit. '' B of A did this intentionally to harm my credit and punish me for not using its high interests fee laden card more frequently.
Consumer complaint received 2024-01-08
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. (CA)

I believe that my information is being misused and reported as inaccurate and I am filing this complaint to EQUIFAX. In my credit report from XX/XX/2024, I still found these derogatory items that I was not aware of with inaccurate information, such as payment history, status, reference number, filing date, and date of last activity .According to 15 U.S.C . Section 602 and 15 U.S.C. Section 604 A Section 2, I have the right to privacy, and a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XX/XX/scrub>XXXX XXXX XXXX placed a collection account on my credit file. I disputed the account with the credit bureau. I replied to XXXX for debt verification documents as I have never dealt with or had any legal obligations with XXXX XXXX XXXX. They sent me documents. I again disputed the information with TransUnion for inaccurate information per the FCRA. After XXXX disputes and contact with the company, I am filing a complaint for violation of the FCRA. XXXX XXXX verified inaccurate and false information on my credit file. TransUnion continues to not hold data providers to the standard of the FCRA. I do not have any legal obligation with XXXX XXXX XXXX and I have never had any legal dealing with XXXX XXXX XXXX as they continue to report on my credit file. They also have reported incorrect balances and other pertinent information that should have triggered TransUnion to remove from my file. All the inaccurate information is a direct violation of the FCRA but furthermore verifying false information goes to blatantly damaging my credit history and rating. TransUnion allowed this after I submitted documents showing inaccurate information being reported showing their gross disregard for only reporting accurate data as required by the FCRA. By participating in reporting inaccurate data TransUnion is culpable because they must delete false accounts when presenting documents even if the company verifies them as accurate.
Consumer complaint received 2024-05-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: M&T BANK CORPORATION (SD)

My husband passed away XX/XX/XXXX from XXXX. He and his XXXX XXXX XXXX XXXXXX/XX/XXXX. We tried to refinance the mortgage to get her off of the loan but could not and so we put the house on the market. Their divorce decree stated she got no equity but she refused to sign a quit claim deed. We had to take her to court and a judge ordered her to sign the quit claim deed. My husband died 2 days after signing. I closed on the sale of the home XX/XX/XXXX and the title company sent all necessary paperwork to the mortgage company. They issued the escrow refund to the old address in my husband and his ex wife 's name. I have sent them death certificate, marriage certificate, quit claim deed, affidavit for termination of joint tenancy due to his death as well as proof from our bank that I paid the mortgage for the last XXXX  months. Every time I call I get a different story. I've been told the check has been sent and it has not. I have spoken with numerous supervisors and get nowhere. They refuse to let me speak with anyone in their estate department, who they say are " investigating '' the situation to see if the check can be issued to me. The bank is XXXX XXXX XXXX XXXX out of XXXX, NY. My XXXX XXXX XXXX XXXX has no legal right to this escrow. She has not lived in the home or paid anything on the mortgage since XXXX. A judge ordered her to sign the quit claim and upheld their per se divorce.
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Monthly payment made are {$900.00} per month but reported is {$710.00} per month. a difference of {$180.00} per month. 

Have contacted XXXX XXXX XXXX Relations Section of the inaccurate information. The last time contact through phone was XX/XX/2024 Attached are copies of credit report and court order. 

XXXX Reasonable policies and procedures concerning the accuracy and integrity of furnished information. ( a ) Policies and procedures. Each furnisher must establish and implement reasonable written policies and procedures regarding the accuracy and integrity of the information relating to consumers that it furnishes to a consumer reporting agency. The policies and procedures must be appropriate to the nature, size, complexity, and scope of each furnisher 's activities.
Consumer complaint received 2023-05-08
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. (LA)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : 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 2023-05-08
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. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and TransUnion to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXXXXXX XXXX Balance {$40.00} ; XXXX XXXX XXXX XXXX Balance-
Consumer complaint received 2023-12-14
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 have disputed these account for the last XXXX months. Literally nothing has been updated. I have attached a XXXX bureau credit report table showing all of the errors in my credit report. These accounts are filled with errors and need to be deleted immediately.
Consumer complaint received 2018-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

I am moving across the country and applying for apartments. I had placed freezes on my credit at all 3 agencies due to the EquiFax breach in XX/XX/XXXX. As I was removing the freezes ( XX/XX/XXXX-XX/XX/XXXX ), I was verifying my personal information. EquiFax had an old address listed as my current ( XX/XX/XXXX ). I inquired about how I can update it and EquiFax customer service instructed me to fax a utility bill, social security card, drivers licenses and cover sheet to XXXX. I was informed it would take 48hrs to process. I completed and recieved a fax confirmation on at XXXX PST on XX/XX/XXXX. I informed the apartment management company and they agreed to wait until XX/XX/XXXX to run their inquiry. I phoned EquiFax the morning of XX/XX/XXXX to ensure the address was updated. I was informed it was not and there were no documents uploaded to the system. I was on the phone with 8 different EquiFax representatives over the course of 3 hours and on one could help me. I was finally transferred to a manager, XXXX, who performed the same actions as the previous 7 EquiFax employees and, again, could not help me. I inquired about speaking to his supervisor and was told it was not possible and he proceeded to terminate the phone call, against my wishes, with no resolution.
Consumer complaint received 2024-01-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (MN)

There are 14 payments that have not been qualified for the PSLF program. I have asked more via website message for this to be updated. 

Further, I was not provided with a payment statement 21 days before my XX/XX/XXXX  payment is due. Nor was I notified of the date that interest started accruing again. I only knew that it was happening because I logged on to my account to check the PSLF status and looked at the amount due.
Consumer complaint received 2023-05-08
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)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Account passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX Balance {$37000.00}.
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: Experian Information Solutions Inc. (NY)

COMPLAINT ( XX/XX/23 ) XXXX XXXX XXXX XXXX ; You have it listed as CLOSED. 
Their reply was insufficient and I responded to it, on XX/XX/23. 
I called XXXX XXXX and was on hold FOREVER. Not once BUT THREE TIMES. 
I called the Compliance Department and also LEFT THREE MESSAGES This is far from over, for our credit scores are severely damaged BECAUSE of XXXX XXXX XXXX. 
I would appreciate action to satisfy, both parties, on this issue. 
Thank You
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$690.00} XXXX XXXX XXXX Balance Owed : {$890.00} XXXX XXXX XXXX XXXX Balance Owed : {$680.00} XXXX XXXX XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2023-05-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (FL)

I am a customer for Citi bank and I transfer some money into my XXXX XXXX The next day I wake up tried to used my Citi bank card it says it declined I spend the whole day calling them to verify my account they keep telling me they cant verify it I went to the bank in person they told me they cant do that inside the branch I have to called When I keep on calling them they keep telling me they will send me a code which I never receive its been 5 months since they blocked my account with my money in it and whenever I called they said they cant verify my account this is not fair
Consumer complaint received 2017-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

THESE ARE UNAUTHORIZED INQUIRIES ON MY CREDIT REPORT, THAT IS BEING REPORTED. THERE WAS BREACH IN XXXX TO WERE MY INFORMATION WAS COMPROMISED. RESULTING IN THESE INQUIRIES TO ALL CREDIT REPORTING WITH XXXX, XXXX AND TRANSUNION. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Navient Solutions, LLC. (NJ)

USC 15 1681a ( 2 ) ( i ) states that It is illegal to report transactions or experiences on a credit report. 
All alleged late payments and other transaction and experiences must be removed and ceased to being reported.
Consumer complaint received 2023-09-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (GA)

I sent payment for my payment to be taken on the XXXX. It is now the XXXX and it is still processing. 

I tried calling on the XXXX but the wait time was over an hour and a half.
Consumer complaint received 2018-08-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CA)

My monthly payment is on auto-debit. The payment increased last month due to a rise in interest rates. My administrator, Navient, sent no notice that this was going to happen so my bank charged an NSF fee. I contacted Navient and they explained to me that they are under no obligation to inform me of such a change.