davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-05
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. (GA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

I received a XXXX  of letters from XXXX dated XX/XX/2024 that did not address my recent inquiry and complaint adequately. 

Per the request of XXXX, I mailed a copy of my XXXX  driver 's license and a copy of a XXXX  bill from XXXX XXXX XXXX. However, XXXX failed to update my credit report and send me a copy by mail. 

I had a slight name change by removing my XXXX  names and not sure if that is causing some confusion which shouldn't be the case. I used to be known as XXXX XXXX XXXX XXXX and removed the XXXX  name and only go by XXXX XXXX XXXX has not updated my credit report and seem to be on a similar path as XXXX
Consumer complaint received 2023-10-13
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. (CA)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX XXXX Balance : {$2200.00} ; XXXX  XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2023-05-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: T.S. Holdings (TX)

We had to break our lease due to us being harassed by an employee that lived under our apartment in 2022, we had emails of telling the manager and her only offering to move us to another unit for a fee They werent willing to help us out and after my son being traumatized by all the events we decided to leave. Now we are under collections with IQ data and the only way I found this out was because I checked out my credit report and saw it on there. I never received any letters saying anything about this collection.

In our contract it states that we
Consumer complaint received 2020-04-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HCFS Healthcare Financial Services of TeamHealth (LA)

I never received a bill from the Ohio Emergency Room and the amount is incorrect, I had insurance at the time with XXXX XXXX XXXX XXXX and they were to pay in full. ARS Account Resolution : XXXX is reporting incorrect information to XXXX, XXXX, and XXXX. On XX/XX/2019, I reached out to the collections company to dispute the bill and they have been no help. This is a unfair situation because I am receiving a derogatory mark on my my credit score and I am having a hard time getting a mortgage for a house for me and my kids.
Consumer complaint received 2023-05-10
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. (NJ)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update or delete them immediately in my report : 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 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 2023-10-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (OR)

Hello, I have been trying to reach Nelnet forever to contact them that I want to be placed on the XXXX plan and not defaulting to the XXXX plan as they have been doing to everyone else. For the majority of us with grad school loans, we are navigating buying a house, raising kids, and finally earning some income to get us out of debt. The high interest payments are simply not making things economical to survive, adding along the XXXX % inflation that has accounted in our fuel, food and basic living expenses that the PCE continues to leave off. 

Please help us navigate and request further delays because Nelnet is not equipped to handle processing these loans properly and is misleading people into the worst options for themselves. 

You can find on reddit multiple threads about people complaining of Nelnet 's embarrassing practices and working towards delaying and preventing any form of help : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please send some authorities to ensure that Nelnet is operating within the consumers XXXX rights because it is apparent they are not. 

Signed another distressed citizen, XXXX
Consumer complaint received 2020-04-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Asset Recovery Solutions, LLC (IL)

On or about XX/XX/2018, I requested copies of my free credit reports and subsequently discovered several accounts opened in my name fraudulently. On or about XX/XX/2018, I filed a police report with the XXXX Police department via XXXX. XXXX for deceptive practice - financial identity. On or about XX/XX/2018, I filed an identity theft report withe Federal Trade Commission ( FTC report number XXXX ). I notified the respective companies about the theft but have been unsuccessful getting the items removed from my credit report.
Consumer complaint received 2018-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CT)

I called to state that old information was reinserted and I did not receive a letter by law. Instead of removing the information immediately it was sent into dispute in which I should not have to wait an additional 30 days. This was on my report around XX/XX/2016 under credit protection and was removed in XX/XX/2016. By law I should have received a letter that included a certification of accuracy and once I informed the credit specialist it should have been removed, not disputed. The item is now reporting as XXXX XXXX XXXX XXXX. Even Public Relations, XXXX XXXX, from XXXX stated that they try to employ procedures that prevent this from happening where debts are sold and reinserted under a different name.
Consumer complaint received 2018-05-09
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. (PA)

TransUnion reported my XXXX balance as XXXX a week ago and than yesterday reported it again as approximately XXXX unpaid and past due dragging my rating down 115 points. 

I just resolved this dispute with them and two days later they put it back on. 

XXXX has sent me documentation which I sent to TransUnion agreeing the balance is XXXX 

Please Help
Consumer complaint received 2023-02-26
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-10-14
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Payfare International Inc. (IL)

Trying to get the funds that were loaded onto my card from the IRS. I got my tax return direct deposited to this card and have been unable to get the money deposited in my account. Was told numerous times it was flagged among other issues. Now they told me the money is in my account but for some reason it isnt being released to me.
Consumer complaint received 2023-10-14
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Upgrade, Inc. (NC)

I am a consumer living on a low income and am also the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. While undergoing the lengthy process of helping my daughter be approved for XXXXXXXX XXXX I applied to Upgrade to help me meet increased expenses. The company had a good review on several trustworthy sites. 

On XXXXXXXX XXXX XXXX in order to try to reduce my interest and catch up on payments, I enrolled in XXXX XXXX XXXX XXXX XXXX XXXX to help me to try to reduce my interest rate and set a reasonable amount for me to pay. The company accepted enrollment, but I do not see that the company included the payments made by XXXX, XXXX made on my behalf in my payment history. Also, the company has repeatedly billed me for payment amounts in excess of what was agreed upon with XXXX, XXXX. 

I did attempt to try to resolve the issue by filling out a complaint with the Better Business Bureau. The company responded that my payment history was available on their website. 

The information on their website is difficult to follow and only includes payments for that month, forcing me to have to undergo a time-consuming process of scrolling month by month to see what I have paid. 

I would like to have a history of all payments that I have paid to the company, including all of the payments made by XXXX, XXXX on my behalf, to be mailed to me. I should not be required to view this information on their website. 

I believe that my request is reasonable and would be accommodated by a company that is interested in meeting the needs of the consumer. I no longer trust the business practices of Upgrade.
Consumer complaint received 2023-10-13
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. (CA)

This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-02
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. (PA)

I went to the car dealership and ask that XXXX be the only inquiry when i went back there was multiple inquiriesXXXX 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 XXXXXXXX
Consumer complaint received 2023-10-14
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Selene Holdings LLC (MD)

In XX/XX/XXXX I starting working with the XXXX XXXX XXXX for assistance with my mortgager. For several months my mortgage servicer XXXX gave me the run around. After months of finally getting them to work with me to get a loan modification for me to be approved for the funding from the XXXX XXXX they agreed after months of trying. They gave me a trial loan modification plan for 3 months with me paying {$3100.00} for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I made all of the payments in XX/XX/XXXX the XXXX XXXX  paid my mortgage company {$40000.00} on my behalf. With this being paid Selene Finance agreed to provide me a loan modification. It is now XX/XX/XXXX to date I do not have my final loan modification nor will any of XXXX represetatives accept my payments, I have been blocked from payiny my payments on line. I place calls every XXXX weeks to XXXX only to be told that they are not finihsed with my documents and I should make the trial payments. How can I make even the stated or trial payments if no one will accept my payments. Also I have XXXX different payment amounts. Before the trial loan modiciation my payments was {$2700.00}, the trial payments was {$3100.00} and now the mortgage statements on line the payments change in XXXX to {$2900.00} without any notice to me. Also they still have me owning over {$60000.00} after receiving the {$40000.00} from the XXXX XXXX  that is still unapplied. I am a victum of predatory lending. I have contacted them on several occasions and they are still not honoring their part. Also I have asked who actually hold my mortgage the response is that it is a private lender and they can not give me the person and or company. They are continuning to wait until the interest rates escalate before granting me the final loan modification.
Consumer complaint received 2023-10-14
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (CO)

My Costco Anywhere Visa Card by Citi credit card account was closed without notice ( no written warning, no email warning, and no text warning ) on Friday, XX/XX/2023. I called CitiBank and they did not tell me why the account was closed. I called again to request information from another CitiBank representative and they said I would receive a written letter in XXXX business days. I have not received a letter. The representative also informed me that the account closure would forfeit over {$300.00} of Costco cash rewards ( an annual cash refund ).
Consumer complaint received 2018-07-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have disputed a debt with TransUnion 4 times with no response but the two accounts are still being reported on my credit report. I have even used certified mail and had them notarized. I have requested viable evidence with my name and signature. I also requested name of creditor and was provided with incomplete information on the accounts and a false number when I tried calling the company 's number provided its an automated service trying to sell me things. I can not believe unverified accounts with no accounts numbers, incomplete addresses, and incorrect phone numbers can be reported on my credit file and that I have to do a years worth of work and it's still being reported. 
The accounts being reported are below. 

XXXX XXXX XXXX XXXX {$610.00} XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX XXXX XXXX   XXXX XXXX XXXX {$900.00} XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
Consumer complaint received 2021-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (MO)

Unfair Practices and Malicious Treatment to through Experian and XXXX XXXX XXXX XXXX XXXX. 


On or about XX/XX/XXXX, a voice message was left on my voice mail for me to call XXXX XXXX XXXX XXXX XXXX. I returned the call and a lady advised me that I had a debt of {$250.00} and they were the litigation firm to collect the debt. I told her that I was unfamiliar with their name and she gave to company names I was not familiar with. 

I asked for a copy to look over the debt to be sent to my email and advised her I needed to look into the matter. I did not believe I had any debt or never heard of the names she shared with me that I supposedly had the debt. I thought this was a fraudulent attempt to collect money from me. I asked the lady to send the debt information to my email and I waited for the information to come which I never received from their offices. Additionally, I mentioned if it was my debt that I would take care of it. 

In XXXX, I paid off debt and my credit score increased into a good position XXXX XXXX XXXX. Importantly, for years, except one tax issue with my car payment, which I tried to dispute and correct, I maintained an exceptional history payment status for years. On XX/XX/XXXX, my credit score had just increased 10 more points when this ordeal took place and continues to affect my score as of XX/XX/XXXX, XXXXmy score dropped again by 1 point with no explanation. 

On XX/XX/XXXX, not even a week later from speaking to the woman and without receiving the email request to verify the debt, XXXX XXXX XXXX flagged my credit report as collections. On XX/XX/XXXX, I received a credit monitoring alert that displayed my credit scored decreased by 29 points. Immediately, I called XXXX XXXX  XXXX after being notified by Experian and XXXX XXXX. 

After speaking with XXXX at XXXX XXXX, shared they had the incorrect address and an old XXXX XXXX XXXX account. I was advised that this was supposedly from XXXX and settled per XXXX. XXXX advised me that she would call back and never did call me. In XX/XX/XXXX, I reached out to XXXX XXXX XXXX because I had an been paying them on a small loan and fell behind. I paid it off last year and it was closed last year XXXX, XXXX. So, I don't understand how XXXX XXXX XXXX XXXX XXXX. can say that this account was closed and it could not be closed. 

I look forward to a response to file regarding the unfair dispute, placing debt on my credit report and the large decreases on my credit report. 

As you can see by the attachments I provided which reveal my clearing up debt in XXXX and the debt decrease which occurred twice in XX/XX/XXXX by 49 points. This is illegal and unfair. I have unrest about this matter and can still pay off what is rightfully due if I receive and understand the alleged debt. I never denied any debt, just a request to see and recover what has been maliciously done to my credit and livelihood.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I reviewed my credit report and identified accounts that I am unfamiliar with. Upon reaching out to request verification, my attempts were ignored, and they failed to provide the necessary verification.
Consumer complaint received 2023-10-14
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. (CA)

I am a victim of identity theft. I have reached out to transunion all year round about this fraud on my credit. I have a fraud alert attached to my name and they are aware of this. Transunion have information about this all and failed to protect my identity. They told me to send all my personal information through the mail. That includes social, California id etc. Thats like giving someone your whole identity. I asked what is another way that i can send this type of information and they didnt help. My identity is being used nation wide and ther credit bureaus are not helping. I am not protected and brought every protection you can think of. They is one reason my identity have been tooling because they never tried to help and wanted me to send my whole life through mail. This is not okay. I cant open up bank accounts my credit is at a stand steal because of all this. I need help from anything PLEASE. Nobody is listening and this is why! I have police reports. Inquires need to be removed as well as anything else that was no by me. I need ALL credit bureaus to fix this problem.
Consumer complaint received 2023-08-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Reported false information to XXXX and XXXX XXXX 

Source of Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone Number : XXXX For : SUSPECTED FRAUD ACTIVITY ; REPORT IS DISPUTED BY CONSUMER ( XXXX ), AND VERIFIED ACCURATE BY FI ; Reported Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Reported XXXX : XXXX License : State : Date of Closure : XXXX # : XXXX / XXXX Status : NO MONETARY LOSSClosure Status Date : XX/XX/2023 Dispute Case ID : XXXX Bank Name : Bank of America Reference # : XXXX