davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

A few weeks ago I sent letters to all XXXX credit bureaus regarding some items on my credit report which I know are not accurate. I know this is a violation of the FCRA and FDCPA so they must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. I! ve received emails and letters saying I! m using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party.
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In XXXX of 2023, XXXX started charging me for a loan for which I did not apply. A woman called XXXX XXXX XXXX stole my XXXX ID number by hacking my WhatsApp account and stealing confidential and personal information like Driver 's licence but most important my Social Security ID card and number. Unfortunately, XXXX grants these loans through an online process. Only I am in possession of the original and authentic forms of identification and they are well guarded in my house. This loan should never have been approved. All they have is a Promissory Note which was signed using this woman 's email address - XXXX not my email address - XXXX. More details on the fraudulent loan : XXXX ) The amount of credit provided to you or on your behalf. 
The amount you will have paid after you have made all payments as scheduled. 
15.209 % {$11000.00} {$25000.00} XXXX ) Total of Payments The cost of your credit as a yearly rate. 
The dollar amount the credit will cost you. 
The amount of credit provided to you or on your behalf. 
The amount you will have paid after you have made all payments as scheduled. 
15.209 % {$11000.00} {$25000.00} {$36000.00}
Consumer complaint received 2023-10-16
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: PNC Bank N.A. (MO)

Mortgage was filed bankruptcy on more than XXXX years ago. While purchasing new home I lost the financing because it was found that the mortgage that was discharged in bankruptcy was still active. I need resolution and my name removed from this mortgage. I have lost money at this point when this should have been resolved over XXXX years ago.
Consumer complaint received 2023-10-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: United Collection Bureau, Inc. (NY)

On my credit report there is an auto loan from XXXX XXXX that I no longer have a vehicle in my possession from XXXX  also I am being called by United Credit Bureau collection daily for collection that I do not owe
Consumer complaint received 2023-10-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SIMMONS FIRST NATIONAL CORPORATION (OK)

I have been baking at Simmons Bank for 10 years and today I got a letter they where closing my account and giving me 10 days to get the money and go eles where. All this started when I made a complaint that multiple staff members felt mistreated by the XXXX XXXX at the location XXXX XXXX XXXX. # XXXX. She refused to cash checks and was just very aggressive simple things and rude to me when I ask for bank statements. XXXX staff member was so upset how she was treated because XXXX refused to let the teller cash a check because of a last name that was different on her SSN verses her ID which is very understandable. So I went up there asked XXXX what name does she prefer and She stated it I corrected it no big deal. XXXX was very aggressive towards the staff member in front of me. I felt like I had to Calm her down. Then same girl goes back in to cash her check same thing the receptionist takes it away from check out counter with her ID away from the Same staff member goes to XXXX XXXX again says she needs approval this time the staff member is filming the whole thing and brings to me I am mortified by what I see same aggressive behavior they threaten this girl with police for filming but she felt uncomfrontable of her ID being tooken into a different room she felt discrimination. XXXX XXXX the XXXX over XXXX gets involved says please send the video we don't tolerate this he watches it and then cancels my account. I am shocked to read this letter. He also tells me all of your staff and you don't go back to the XXXX branch and you don't know all the story these girls are not telling you everything. Well I told him I walked in stood at check out reception clear XXXX minutes they are laughing and the receptioninst goes to Karens XXXX never greeted us we just stood there me and my Mother that also works for me so I go threw the drive through and make a complaint I couldn't get anyone to service us I was upset so I called XXXX XXXX and he told me go to another branch I told him why do we have to go to another branch we have not done anything we have recieved poor customer service why are you overlooking this. Then by suprise my account is getting forced closed. I am hiring a Banking attonery they said do this now to start this. This isn't fair and I shouldn't have a account closed all my bills and credit card system is through this bank. I feel like someone thats over the branch over XXXX XXXX can see This is poor management. I want to do everything I can to make this right. This is miserable I have so much going in and out of the account I can go to a different branch XXXX XXXX is closing it forced and its my money and it also says i will get a money order through mail theres over XXXX in that account. This is wrong.
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/XXXX through XX/XX/XXXX Trans Union dropped my credit score by XXXX because a closed mortgage account account with XXXX XXXX XXXX was removed from my Credit File. This account was paid in full & closed in good standard in XXXX.
Consumer complaint received 2023-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or 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 2023-10-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

XXXX XXXX XXXX has been posted to my credit for quite some time now. It shows it purchased an account from commenity Bank but I've never heard of that bank or recognize the debt. I've tried resolving it with them but get nowhere. I've requested proof of the debt but get nothing. I've disputed it with credit reporting companies but they just come back verified somehow? I want this removed because it's hurting my credit and it's not mine!!!
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

I sent in a dispute to Equifax concerning my credit history after retrieving my credit report. The items that was on my report was not accurate and I was sent a completely different report than what I retrieved from online. There were inaccurate information that was a violation to my FCRA, section 609, and several 15- U.S.C . rights. I sent in my personal ID, SS and address information with my letter and it was returned as a reinvestigation with all of my previous dispute request had no removal and all the information was updated to this present time. There are 17 inquiries on this report that I did not give consent to. There is a credit card I did not co-sign for and already reported this account to the company. I am a XXXX XXXX women and the date of ith reported on me is for XXXX XXXX XXXX. Why? This is ridiculous. Equifax also is reporting my old employment. 

All things was put in my initial letter sent.
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XX/XX/XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX RE : Collection reporting inaccurately Dear Transunion, After reviewing my credit report I noticed an inaccurate account on my credit report. I am requesting that Transunion investigate the following account to ensure accuracy. I am requesting the collection account to be deleted from my credit report once the investigation is complete. 

XXXXXXXX XXXX XXXXXXXX This account appears to be reporting inaccurately. 

Once your investigation has been completed, please forward all relevant information validating the accuracy of the debt, including the results of your investigation, to the address listed above. 

If you are unable to respond in a timely manner and provide the above items, please delete the account ( s ) from my credit report to prevent further damage. 

Thank you XXXX XXXX
Consumer complaint received 2023-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2023-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (VA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, has violated my rights.

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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2024-04-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2023-10-16
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY (NY)

In XX/XX/2023 I changed my payment due date with American Express after starting a new job. I was told that the change would go into effect by XXXX, and that I could pay the bill on the new due date in XXXX. I was reassured by the representative that Amex would waive any interest based on the new payment date if any charges were assessed because of a " late payment '' on the new due date in XXXX. 

I paid in full on my new due date in XXXX and was assessed interest ( around {$300.00} ) on the full amount of the balance because the new due date was not yet in effect ( I paid 3 days after the old due date ). In XXXX, I also paid my bill in full. I was assessed yet another interest charge ( around {$300.00} ) in XXXX based on failing to pay by my original XXXX due date ( trailing interest ). I called American Express in XXXX and they promised to credit me for these interest charges. They did not, and I called back in XXXX and told me that they had to escalate the matter for review. They refuse to waive the charge while the investigation is ongoing, which could take weeks. 

In sum, I have been charged over {$600.00} in interest on two statements for paying one bill three days late, after I changed my payment due date and was reassured that any interest charges would be waived. 

This behavior by American Express is fraudulent, dishonest and unfair. If a person tricked another person into incurring over {$600.00} in charges, it would be a crime. For American Express, this is just another day doing business.
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me.

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I disputed Late pays on my credit report due to the cares Act. I had perfect payment history with these creditors, I provided documentation as well as a dispute letters these late pays have remained on my credit report for years after disputing them over and over I requested documentation from the credit bureau such as a account ledger from the creditor, Signed contract by me and creditor as well as a bank statement showing I made payments according to the Revised contract and payment agreement. None of which were provided but late pays remained on my credit report with no response from the credit bureau. Late pays Consists of Rocket Morgage XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-16
Product: Student loan — Private student loan
Issue: Getting a loan — Denied loan
Company: Nelnet, Inc. (AZ)

I recently reviewed a copy of my credit report, I was shock to learn, i've been a victim of idnetity theft. I found numerous accounts on my credit report they were not opened by me. This has been hurting me as I am in the process of buying a home for my family. Please remove from my credit report.
Consumer complaint received 2022-12-06
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX  days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report, it has been over XXXX  days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-04-04
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. (FL)

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.

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 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MS)

Equifax refuses to provide an investigative report pursuant to the FCRA, continues to report false, incorrect, and inaccurate information. Equifax reports information that is not authorized to be reported. Equifax reports information related to identity theft.
Consumer complaint received 2023-12-11
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (CA)

Did you know that XXXX prices rides higher when using an American Express card than other credit cards? The EXACT fare is about XXXX % higher when you use an Amex card to request an XXXX ride. I have done dozens and dozens of tests and every time this happens. XXXX refused to admit or deny this and it is likely in concert with American Express because Amex give a monthly XXXX statement credit and this is offset by higher prices. This is collusion and easily proven.
Consumer complaint received 2023-10-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Portfolio recovery llc has been posted to my credit for quite some time now. It shows it purchased an account from commenity Bank but I've never heard of that bank or recognize the debt. I've tried resolving it with them but get nowhere. I've requested proof of the debt but get nothing. I've disputed it with credit reporting companies but they just come back verified somehow? I want this removed because it's hurting my credit and it's not mine!!!
Consumer complaint received 2023-10-16
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. (NE)

Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

There is a FRAUDULENT item ( XXXX XXXX XXXXXXXX ) and an UNAUTHORIZED/FRAUDULENT inquiry There is a FRAUDULENT item ( XXXX XXXX XXXX XXXX and an UNAUTHORIZED/FRAUDULENT inquiry ( XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX ) on my credit report. I do not have any idea regarding these fraudulent accounts on my credit report. I am not the one who initiated the inquiry. I am submitting a complaint regarding this inquiry and for assistance to REMOVE it from my credit report immediately. ) on my credit report. I do not have any idea regarding these fraudulent accounts on my credit report. I am not the one who initiated the inquiry. I am submitting a complaint regarding this inquiry and for assistance to REMOVE it from my credit report immediately.