davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX took over my student loans over 3 years ago without my consent and the account was given to them without my consent by U.S. Department of Education without my consent. This has been on my credit for over 13 years and U.S. Department of Education has allowed this to happen along with allowing these loans to be given over to at least 5 different 3rd party companies which was without my consent. According to the FCRA guidelines this is unlawful and these loans were supposed to be dismissed long ago but theyre still lingering on my credit report in the amount of {$53000.00}
Consumer complaint received 2023-07-23
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. (OH)

I have contacted all three bureaus several times regarding an account with XXXX that is reporting improperly. There are inaccuracies with the date opened, last payment date and date last active. The bureaus have updated my accounts several times but have not fixed the inaccuracies.
Consumer complaint received 2021-02-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (TX)

On XXXX XXXX. XXXX XXXX XXXX XXXX XXXX reported on my credit with a remaining balance of XXXX XXXX I file for dispute threw XXXX I also sent a police report still no Results.
Consumer complaint received 2017-03-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: CITIBANK, N.A. (FL)

Hello, I have sent numerous letters to XXXX regarding the accuracy of this charge off appearing on my credit report. Attached is the last XXXX I sent back in XXXX. The company could not find or locate my account nor verify that the account actually belongs to me. I respectfully request the removal of this charge off on your end based on the violation of the FCRA. The account number is XXXX.
Consumer complaint received 2021-02-14
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: ACIMA CREDIT, LLC (NY)

I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2021-02-14
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: AMERICAN EXPRESS COMPANY (WV)

I opened an account with Americal express in XXXX this card was XXXX XXXX which was recently upgraded to XXXX XXXX preferred with a credit line of XXXX. The second card was opened in XXXX it was a Delta Airline Amex Gold credit card with a total line of credit of XXXX. By the start of XXXX, I checked my credit report and it showed my limit on Blue card preferred is XXXX/XXXX and Delta Golds card is XXXX/XXXX. After seeing that I called the customer service on their number and none of the representatives/agents could tell me what is the reason and instead of helping they became unprofessional and kept transferring me to the supervisors. 

All of this impacted my score so badly and further led to a cascade of events that led to financial crises. This has increased my Debit Ratio. I can't be approved for house loans that I was about to apply for. 
Amex has been notorious about this recently. My point is in case of any financial crisis this company will further kick you the edge despite having an excellent payment history, no missed payments, and no loyalty benefit even no courtesy call.
Consumer complaint received 2023-07-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

The account Is a fraud listed below. I demand it is removed from the credit report Immediately. 


XXXX Account # XXXX The identity report is attached to this complaint.
Consumer complaint received 2021-02-14
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Reverse Mortgage Solutions, Inc. (TX)

My house burned down XX/XX/2020, and Reverse Mortgage Solutions is holding my insurance money and will not release the funds for the house repair. I have provided all the information that they need in order to release the initial funds for the repairs. For over a period of four months, I have been negotiating with them to release the funds for repair. They still have not sent the funds, and keep saying the check is in the mail, for four months. They also said they stopped payment on one check, and are issuing another. I am stilling waiting for the funds. There have been issues with the agent in charge of my case. I have called numerous times, only to be given the run around every time. The ILV number of my case is XXXX. The agent 's name is XXXX, and his ID is XXXX. The total amount owed is XXXX dollars. The initial amount to be issued is XXXX, one third of the total, in order to start repairs to my house.
Consumer complaint received 2023-07-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

the information that is being furnished by the credit bureaus are against the law per 16 usc 1681b and 1666b. 
the items were dure to identity fraud and theft.
Consumer complaint received 2021-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

Complaint against Experian Credit Bureau regarding XXXX XXXX account. I contacted XXXX to ask about late payments from XXXX XXXX XX/XX/XXXX. XXXX  reported that they did not report any late payments in the year XXXX due to account being closed XX/XX/XXXX. I had no late payments during the year of XXXX and have never been late with any payments to XXXX. XXXX rep said that they havent reported any late payments and that Experian must have reported those late payments in error. The late payments are effecting my credit score as well.
Consumer complaint received 2021-02-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A. (MD)

I noticed monthly fees were charged on my account since XX/XX/2019. I went to PNC branch located in XXXX XXXX XXXX XXXX spoke to the banking associate. I was told the monthly fee was charged because my account was not link properly. My current monthly total balance is over the requirement. She mentioned she will consult with the branch manager and have the manger give me a call back on the same day. I did not receive the call and contact the branch manager the next day. The branch manager was not aware of the call back request. After explaining the situation the branch manager escalated the issue to the retail management team. 

I just received the call from XXXX XXXX from the retail management team today. She explained to me that since my checking account was in the inactive status so it does not count toward the total balance. I further question if PNC ever notified me about the inactive status. She looked into the notification further and told me there was no notice ever send out to me. I do not agree that my account should be remove from the package if it is in the inactive status and this information was never disclosed. She agreed to refund 6 of the total 16 charges. The most recent charge was on the day i visit the branch trying to have the issue resolved. There system limitation cased my account to have another additional monthly charge when I am trying to resolve the issue. This clearly is an issue and I am sure there are more PNC consumers might be affective about this unfair practice. 

They are required to send me inactive notice per state requirement and can't cease accrual of any benefits which is not counting the balance toward the total requirement to avoid monthly fees.
Consumer complaint received 2023-07-23
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. (VA)

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 2023-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Ive disputed on the credit bureaus website the wrong addresses and nothing has been changed or updated. An account is also being reported as late on XXXX and it already has been paid and closed
Consumer complaint received 2022-10-31
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless XXXX cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2021-02-14
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: AES/PHEAA (MI)

I am a current student of XXXX XXXX with XXXX classes left to XXXX. Back in XXXX I had taken some time off and put my loans on Forbareance or in deferment with a Fed loan. 

doing this over the phone I had thought that my Forbareance would not expire until Q1 of XXXX. There was a communication mistake made on either side. 

In XXXX and XXXX of XXXX, Fedloan had reported over 10 instances of late payments of over 90 days. I contacted them and spoke with them but there was nothing that they are willing todo. 

this has hurt my credit score by 120 points and is now stopping me from purchasing a property. 

logically speaking, even if I was paying for the 90 days, I would not have paid for all of the credits reported which is over XXXX worth of credit, when speaking with them they said they report it once, and because I have multiple loans the negative reports would multiply for example 10 times because I have 10 instances of loan for the classes I took ... 

So, for a single 90-day late payment, I got reported delinquency for over 10 loan accounts and is now sitting permanently on my credit score. 

this is not a fair act at all, jeopardizing my living by over-reporting and not fixing the delinquent reports. 

I am NOT delinquent, and I am still in school, XXXX  and XXXX  show delinquency of over 90 days for over 10 times of reports for a single loan. not logical or correct. the Fed loan is not willing to work with me at all. 

Fed Loan says that they had communicated the delinquency information over an email, however checking the email I see nothing! perhaps they went to SPAM? they are not taking students ' matters seriously and are acting as if it does not matter to anyone. 

I am willing to Sue this company to report my information correctly as they are not and are hurting me for mis information.
Consumer complaint received 2022-10-31
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Preferred Collection and Management, Inc. (FL)

Placed for collection by XXXX XXXX XXXX with Preferred Collection & Management services for {$51.00}. Claim states this is amount I owe for blood work on XXXX. I never received a bill from the hospital nor a notice from XXXX XXXX XXXX. From what I can ascertain on the phone, this was a denied charge for XXXX code, and should have been resolved internally. I was told this could take 30+ days to resolve. In the meantime, my credit report shows I have been placed for collection.
Consumer complaint received 2021-02-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc. (IL)

HI there. 

This account was closed in XXXX of 2018. I have returned the apartment and move to a different city. 

I remember I have complained about XXXX XXXX in the past. 

This scammers and other similar, manage to sent a variety of collection notices for small amounts expecting you to pay without verification. 

Imagine this small amount multiplied by thousands of unsuspected customers, who may be cheated with utilities accounts that were closed or transfer. 

All charges related to electricity were payed off and the account closed. 

Please see the XXXX email regarding this account closed.
Consumer complaint received 2023-02-24
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: EQUIFAX, INC. (PA)

XXXX XXXX XXXX, account open on XXXX for {$740.00} XXXX XXXX Account opened on XX/XX/2022 amount XXXX Action taking by me I dispute these fraudulent accounts with both Equifax, and XXXX consumers reporting agency. I am a victim of Equifax and XXXX data breach. I am promised accuracy on my consumer credit report by federal law. I disputed these accounts listed above with them both over the phone and online. Now Im reporting it to the cfpb as another attempt to have these errors corrected on my consumer reports under 15 USC 1681. All verified information must be promptly removed as you can see in your system you can not verify these accounts so Im requesting you remove it
Consumer complaint received 2021-02-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (WV)

I opened Credit care with Pay Pal  on XX/XX/2020. It was approved for XXXX $ line of credit. With this inquiry and another one my score dropped. By the start of XXXX, I checked my credit report and it showed my limit on this card is only XXXX initial approved. After seeing that I called the customer service on their number and none of the representatives/agents could tell me what is the reason and instead of helping they became unprofessional and kept transferring me to the supervisors. Eventually, the supervisor couldn't even help and I asked ( not confirmed ) to close my account in the middle of this conversation I got disconnected by the representative and now today I got a notification from credit bureaus that my account is closed. 

This is just the one-credit service same happened with XXXX credit cards ( XXXX XXXX & XXXX XXXX XXXX XXXX ) where they decreased my limit from XXXX to XXXX and XXXX to XXXX respectively that is in the event of the decrease in my limit on pay pal. 

All of this impacted my score so badly and further led to a cascade of events that led to financial crises. This has increased my Debit Ratio. I can't be approved for house loans that I was about to apply for. Also, with the account closure, my payments have been rejected that led to further credit unworthiness. This is unreliable and unprofessional on the credit provider 's part.
Consumer complaint received 2021-02-14
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bepensa Capital, Inc. (PA)

XXXX The previous response I received from the company is in fact nonsense and did not prove anything. Following this consumer credit transaction, I understand I was to be informed that I have the right to dispute the validity of this alleged debt within 30 days AFTER the initial communication ( which is the contract they attached to my previous complaint ). They failed to include this information in this contract AND failed to send it separately in the mail stating I have the right to dispute this alleged debt. How where they able to assume the debt was valid? Well, according to FDCPA 15 usc 1692g # 3 ; it states that if a consumer does not dispute the validity of the debt within the first 30 days, the debt collector will assume the debt is valid. So, I am paying for things that are already paid for because they never made me aware I had the right to dispute the validity within the first 30 days. This is a breach of the contract due to the fact these MUST be included in initial communication ( the contract ) or sent separately to the consumer by law. Even if these debt collectors assume this debt is valid it does not mean anything because it is my right to refuse to pay an alleged debt and no court or judge can say I Owe it under any circumstance. ( 15 usc 1692g ( c ) )
Consumer complaint received 2023-07-22
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. (IL)

I submitted a credit repair request to a company, but they failed to respond within the XXXX 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 2021-02-15
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: XOOM CORPORATION ()

Xoom ( XXXX ) On the XXXX of XXXX I sent XXXX dollars to my sterling account and was told a time of XXXX the next day for funds to be delivered. 4 days later I emailed checking on these funds as they had not hit and saw the notice of the system upgrade but was emailed saying they had an issue with their partner. It has now been a week and I have no heard back. 

I tried calling both their XXXX and US helplines and both hung up on me with a pre recorded voice saying there were no operators available to take my call and try again later. 

I am seeing hundreds of people affected they have taken money from my account and have now cost me double in funds because I've had ti make up for delay fees.