davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I noticed a credit entry for a XXXX student loan on my Transunion report. My credit accounts were frozen but the student loan was still attached unimpeded. I never initiated a XXXX  and any contact with XXXX where the loan originated. I created an account with XXXX and then saw the loan details including a phone number XXXX which is not mine. I contacted XXXX and informed them of the fraud. They gave me XXXX names that I had never heard of ( XXXX XXXX and XXXX XXXX were contacts to the loan ). I also contacted XXXX XXXX XXXX to find that I had an account there that was frozen. When I finally talked to them, I started the account recovery process. I was told that the XXXX account had been created XX/XX/2023. A XXXX XXXXas submitted to XXXX on XX/XX/2023 and accepted XX/XX/2023. The XXXX account was then frozen by using wrong passwords to block any changes. The email associated with the accounXXXX was XXXX to me ( XXXX ). I then contacted XXXX and gave them the same information as above. They are working on it. I also traced the above phone number ( it is landline ) to a name and address in NY. I gave them that information as well
Consumer complaint received 2023-03-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1681 Section 604 A Section 2 : Its 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 and 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 then 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 2024-03-28
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. (GA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

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 2023-05-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: ARVEST BANK GROUP, INC. (OK)

Arvest Bank has failed to honor their Get XXXX bank bonus program even when I have successfully met the qualifying criteria each month to get the bonus. The bonus promo reads as follows ( my comments are in the square brackets for each criteria )... 

Once your account is opened, you will be eligible to earn up to three {$50.00} bonuses. Simply complete these steps during each statement cycle : - Open a personal checking account with the required minimum deposit [ YES I opened on XX/XX/2023 with {$50.00} opening deposit ] ; AND - Set up a qualifying direct deposit OR automatic payment OR recurring debit card transaction [ YES I setup a recurring debit card transaction that is sourced from XXXX in the amount of {$1.00} each that posted to my account automatically on XX/XX/2023 and XX/XX/2023 ; I also setup another recurring debit card transaction thru XXXX in the amount of {$0.00} each that posted to my account automatically on XX/XX/2023 and XX/XX/2023 ] on your account ; AND - Make eight ( 8 ) purchases with your debit card [ YES I made XXXX purchases on XXXX in the amount of {$1.00} each on XX/XX/2023 and another set of XXXX identical purchases on XX/XX/2023 ] Each {$50.00} bonus will be credited to your new personal checking account if all requirements are met by the end of your monthly statement cycle. To make it even easier, you have up to six statement cycles to earn the full {$150.00}. 

You must open your new account by XX/XX/2023 to be eligible for this exclusive offer. [ YES account was opened on XX/XX/2023 ] [ I have received none of the three {$50.00} bonus payments that I successfully qualified for to receive ]
Consumer complaint received 2024-03-26
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. (SC)

In the quiet XXXX of everyday life, a sudden joXXXX XXXX XXXX XXXX : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a XXXX XXXX XXXX XXXX With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX identity. Yet, in the midst of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  what was rightfully mine and restore the harmony stolen by unseen adversaries. Please see attached file for these items I am complaining.
Consumer complaint received 2023-05-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BMO Bank, N.A. (IN)

I canceled all my accounts with BMO Harris last year. in XXXX I received a bill for a purchase I did not make in Califonia I. called BMO Harris and told them. about this. and was told they would take care of it. I have received a bill every month and many letters demanding payment. I receive 4 or 5 phone calls every day and have had my credit destroyed. I have called them dozens of times and have been put on the merry-go-round of referred to someone else. eventually to be switched back to the first person. I went to their branch in XXXX XXXX. and was told they would take care of it., another lie.It is 12 noon at my home and I already received 4 phone calls from them.I would be thankful for any help you can provide XXXX XXXX XXXX
Consumer complaint received 2024-03-28
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. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see attached file for these inquiries I am complaining.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I called Transunion on XX/XX/18 which day stating on record that they never received the FTC report along with the documentation with my Heart inquiries FTC report I explained to them that I had a fragile account start at XXXX that needed to be removed. I had asked him four times in the past four days to remove the account Transunion refused to remove it because they said they never received the FTC report the report on XX/XX/XXXX when I called they said they did got it. They when I called again to clarify it. They lied on the recording saying they never got it so all the documentation on the XXXX of today.
Consumer complaint received 2023-02-02
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: Kikoff Inc. (MI)

15 U.S.C. 1681 i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; This is hurting my credit report, I have being denied credit because this error. XXXX was reporting late payment when I overpaid on purpose. I was told XXXX to XXXX it was lapse of payment, I overpaid and they didnt recognize. The payment is only {$2.00} and I paid {$6.00}, to cover 3 payments in the future of the payments. Below is a screenshot showing XXXX XXXX to XXXX XXXX. I was never late and its illegal to report this inaccurate information. I overpaid because I was was in the hospital after being diagnosed with XXXX XXXX.
Consumer complaint received 2023-05-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central Portfolio Control Inc. (LA)

I have been charged for a hospital visit dated XX/XX/XXXX at XXXX XXXX XXXX XXXX in TN. The charge amount posted on my credit is {$1300.00}. I was not at that hospital in XXXX for any reason and I do not live in XXXX. This has been posted against my credit which I have worked very hard to maintain. I received a letter about these bogus charges that I returned as disputing and I have not heard anything about that dispute. I spoke with the Collection Agency XXXX XXXX XXXX XXXX ( XXXX ) and they informed me that they returned the information back to the Hospital and did not pursue me. The hospital sent the debt to another debt collector ( Central Portfolio Control, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MN XXXX ). This collector did not notify me of a debt being collected and posted against my credit for {$1300.00}. I pay my bills and prioritize my responsibilities and this hospital and debt collector has no right to charge me for services which I did not receive and was not even in the state to receive. I believe they obtained my information from a visit dated XX/XX/XXXX. I was there for business and went to the ER at XXXX XXXX XXXX due to illness and I have verification that that bill was paid. This bill was {$420.00} and has been paid in XXXX. I have attempted to correct this situation with hospital billing and they will not help, they hang up and play games as if they can't hear me. This is not a game.
Consumer complaint received 2024-03-28
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. (UT)

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 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TOYOTA MOTOR CREDIT CORPORATION (NY)

My credit report is showing late payments to TOYOTA MTR XXXXXXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or TOYOTA MOTOR 's customer service representative.
Consumer complaint received 2022-10-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION (CA)

I have a navy federal account and 4 months ago i got sick with XXXX XXXX and i was in XXXX for 2 and a half months when i was in there Navy cancel my debit card so my family had no way in deposit to my account and i got hit wirh over XXXX worth of fees over draft
Consumer complaint received 2024-03-28
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. (MI)

In accordance to the fair credit report Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 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 states a consumer reporting agency can not furnish a account without my written instructions u.s.c 168 ( c ) a 5 section states : no consumer reporting agency may make any consumer report containing any of the following items of information another adverse item of information other than records of convictions of crimes which antedate the report by more than 7 years 15 u.s.c 1681s2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person or has responsible cause to by liens that the information is inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Trans Union LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.
Consumer complaint received 2023-06-16
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. (SC)

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$6000.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$7400.00}, XXXX XXXX XXXX Balance : {$960.00}, XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (DE)

I just recently looked at my credit profile and discovered that " XXXX XXXX XXXX '' is reporting a debt that does not belong to me. This is a medical debt, so not only have they not verified that it belongs to me but they also have not provided me my XXXX authorization stating they have permission to have my medical information in the first place. I have sent dispute letters to " XXXX XXXX XXXX '' and have not received a response.
Consumer complaint received 2023-10-31
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (MN)

I was denied for a XXXX XXXX credit card. The reasoning stated " The credit privileges on your existing accounts are currently restricted. '' I don't understand this reasoning and asked via phone call about that as well. The phone call said that it was based on Business credit card rules, which were not explained in any detail to me. 

I currently have a working store credit card that Citi services, has a credit limit and that I am able to use. Also this was for a Business credit card, which I don't believe should be affected by Personal credit card rules.
Consumer complaint received 2017-05-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (GA)

The rate change but did not drop it low enough. They included all these fees, and interest which made me feel taken advantage of and discriminated against while under duress. They stretch the mortgage out to 40 years.     This process has brought on  XXXX   XXXX   XXXX  up and caused me to have  XXXX  during creating    XXXX   and in turn, I got a divorce while trying to save my home.
Consumer complaint received 2024-03-28
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. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. Please see attached file for these items I am complaining.
Consumer complaint received 2023-03-23
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. (GA)

EXPERIAN is reporting an account with XXXX XXXX on my credit report and I have never transacted any business with XXXX XXXX. This account was previously blocked from my credit report by EXPERIAN due to identity theft about the dates of XXXX XXXX. 

Pursuant to 611 5 ( b ) i Provide a copy of the certification of accuracy of information.

Pursuant to 611 5 ( b ) ( ii ) Provide business name & address of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information
Consumer complaint received 2023-10-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Orions Management Group, LLC (PA)

Orions management group loc put a collection on my credit report I ask them to send me a debt validation letter they did with the contract from the creditor an as I expected the signature on the contract is not mine I will upload photos from my if and contract as proof this is not my debt
Consumer complaint received 2022-12-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: WELLS FARGO & COMPANY (GA)

The following claims are UNFOUNDED and as so are ILLEGALLY REPORTING so ERADICATE them each and all RIGHT NOW! 

CREDITOR # XXXXWells Fargo : ACCOUNT # XXXX ALLEGED : XXXX Wells Fargo fraud gently opened a credit card account on XX/XX/2022 after previously closing the account on XX/XX/2022 with a XXXX balance. Wells Fargo has sense then added a balance/charges with on going interest. Which were not paid causing Wells Fargo to inaccurately report XXXX late payments to my credit, causing my credit score to be negatively impacted. During this entire inaccurate reporting I attempted to obtain a mortgage loan which was negatively impacted as well. Wells Fargo 's wrongful doing 's caused me to lose my mortgage loan and earnest money ; along with many other financial burdens.