davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, XXXX, and TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, XXXX, and TransUnion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.
Consumer complaint received 2022-11-10
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. (LA)

Loss of job, house, and wages due to COVID- 19, Since then I have been declared 100 % XXXX and now I am on a set income from the government and deemed totally XXXX. This account is not reporting correctly The balance should be XXXX not XXXX
Consumer complaint received 2024-04-01
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: EQUIFAX, 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 XXXX, 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 XXXX out of XXXX 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. these are the inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX XXXX received complaint XXXX on XX/XX/XXXX. It is now XX/XX/XXXX ; more than 30 days have expired. All information regarding this account shall be deleted from all consumer reporting agencies including XXXX, TRANSUNION AND XXXX immediately.
Consumer complaint received 2022-11-10
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. (LA)

Loss of job, house, and wages due to COVID- 19, Since then I have been declared 100 % XXXX and now I am on a set income from the government and deemed totally XXXX. This account is not reporting correctly The balance should be XXXX not XXXX
Consumer complaint received 2023-11-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Specialized Loan Servicing Holdings LLC (CA)

In XX/XX/2023, My mortgage company paid property taxes on my behalf in the amount of {$920.00}. My XXXX statement showed that I owed the amount of {$920.00} plus my regular payment of {$590.00}, totaling {$1500.00}. This is the amount that I paid on XX/XX/XXXX. When I received my XXXX Statement, I saw that the payment had been entered as 2 regular payments of {$590.00}, and an optional fee of {$320.00}. I have contacted the company 3 times and the error has not been corrected. At this point, I don't know what I should do.
Consumer complaint received 2024-04-01
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: EQUIFAX, INC. (TX)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2022-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I was a co-signer on a XXXX XXXX auto loan for my father. It is currently showing as charged off on my credit report with a total balance of $ {$8300.00}. However, when I log into the online banking it is showing a balance of {$360.00}. I have attached a screenshot of this. I have tried calling XXXX XXXX auto to pay the balance off but they repeatedly tell me I am not authorized on the account. I tried calling around XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and every time I was told I was not authorized and they can only speak with my father. If that is the case, and this is not my account, it needs to be immediately deleted from my credit report. They are unwilling to work with me to remove it from my report or allow me to pay it. I am requesting it be immediately removed. If the account is not mine, it should not be impacting my credit. It is preventing me from qualifying for a mortgage. It's my right as a consumer to only have information reporting that is accurate.
Consumer complaint received 2023-02-11
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Bridgecrest Acceptance Corporation (MD)

On XX/XX/XXXX I had certified mail a NOTICE AND DEMAND TO CEASE AND DESIST COLLECTION ACTIVITIES PRIOR TO VALIDATION OF PURPORTED DEBT. Bridgecrest had continued to violate my rights. On XX/XX/2023 I had received a bright yellow colored envelope in the mail. The contains in the envelope was a response from my CERTIFIED MAIL. Below are actual documents from Bridgecrest. Im the envelope Bridgecrest didnt send me the information that I had requested from the company. Instead Bridgecrest had sent a copy of the alleged vehicle loan. Below are information in which would help with this investigation.
Consumer complaint received 2017-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: GOLD KEY CREDIT, INC. (FL)

Gold key cred for {$260.00}. It was open on XXXX XXXX, 2016. Do n't know what that is. Have no recollection of what that could be. Would like to dispute it. It 's an collection inquiry on my credit on XXXX.
Consumer complaint received 2022-11-09
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. (TX)

I was a co-signer on a XXXX XXXX auto loan for my father. It is currently showing as charged off on my credit report with a total balance of $ {$8300.00}. However, when I log into the online banking it is showing a balance of {$360.00}. I have attached a screenshot of this. I have tried calling XXXX XXXX auto to pay the balance off but they repeatedly tell me I am not authorized on the account. I tried calling around XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and every time I was told I was not authorized and they can only speak with my father. If that is the case, and this is not my account, it needs to be immediately deleted from my credit report. They are unwilling to work with me to remove it from my report or allow me to pay it. I am requesting it be immediately removed. If the account is not mine, it should not be impacting my credit. It is preventing me from qualifying for a mortgage. It's my right as a consumer to only have information reporting that is accurate.
Consumer complaint received 2023-08-05
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: Navient Solutions, LLC. (MD)

I have called Navient, XXXX, XXXX XXXX, and Student Aid. Nobody can tell me whats going on. First, the two loans that were with Navient, that are reporting me late were consolidated. They were for XXXX XXXX university that was part of the XXXX XXXX XXXX settlement and should not be on my credit report. But this is the biggest issue, XXXX doesnt have these consolidated loans that are reporting me late on my credit! Nobody can figure out whats going on. Navient suggested I call borrowers defense however borrower defense said they can not help with my reporting. XXXX said they dont have these consolidated loans! SO WHERE ARE THEY? AND WHY ARE THEY ON MY CREDIT? Somebody please figure it out!
Consumer complaint received 2022-11-09
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 XXXX XXXX XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX  Acct XXXX XXXX, XXXX  XXXX Acct # XXXX, XXXX  XXXX Acct # XXXX, XXXX  XXXX XXXX  Acct # XXXX, XXXX Acct # 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
Consumer complaint received 2023-06-06
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: DISCOVER BANK (TX)

Discover Card refuses to let me use the {$1900.00} credit I received due to a fraud dispute being decided in my favor. I tried to do a car advance twice for the credited amount and it went through. Then it was reversed and taken out of my {$11000.00} credit limit. They refused to reverse it back forcing me to pay the advance off. I paid {$1800.00} on XXXX. Because they wouldnt credit me back the way they should have. Now I still haven't been able to access or use the {$1900.00} credit I was issued.
Consumer complaint received 2023-11-03
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Alorica Inc. (LA)

I was informed on XX/XX/2023 that the Louisiana Servicemember Civil Relief Act can be applied to any creditor over a 6 % interest rate while i was on XXXX XXXX XXXX XXXX stationed in LA. I tried to get them to apply this state law ( specifically section 29:312 ) to my accounts and receive a refund of anything in interest I've paid over including closed accounts and have my current one dropped to 6 % and was denied with no real explanation.
Consumer complaint received 2023-12-07
Product: Payday loan, title loan, personal loan, or advance loan — Earned wage access
Issue: Confusing or missing disclosures — 
Company: Lac Courte Oreilles Financial Services II (GA)

they said i was approved for XXXX dollars told me my monthly payment all they needed was to have access to my account so i game them my account information my pass words everything they ask for as soon as they had the information they said i was not approved a bunch of liars is all they are
Consumer complaint received 2023-09-04
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 one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please delete these accounts ASAP.
Consumer complaint received 2024-04-01
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. (MO)

According to The Fair Credit Reporting Act of 1970 - 15 USC 1681b - Privacy Act of 1974 - Family Educational/Privacy Act 20 USC 1232g - 34 CFR Part 99 - 15 USC 6802 and 16 CFR 313.7 I have asked Trans Union XXXX XXXX, and XXXX to honor these regulations and codes. My correspondence is being completely ignored. I am in the process of creating debt security disputes and settlements in relations to the Securities Exchange Acts of XXXX for several credit accounts. Also, my personal information is outdated and erroneous. I have asked for removal of non-mailable addresses, erroneous names and social security numbers to be removed to no avail. I choose to opT OUT of credit reporting practices unless notified by me, in writing. I sent Certified Mailings and have received no proof of mailing. I am considering mail fraud charges for all 3 credit bureaus. Acting on my behalf by disclosing my personal information, without permission is one definition of identity theft.
Consumer complaint received 2022-12-23
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: EQUIFAX, INC. (MD)

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 : XXXXXXXX XXXX XXXX  XXXX, Account name XXXX XXXX XXXX XXXX XXXX, Account name : DPT EDXXXX # XXXX, Account name : DPT ED XXXX # XXXX, Account Name : XXXX XXXX  XXXX, Account Name : XXXX # XXXX, Account Name : XXXX XXXX # XXXX Account Name : XXXXXXXX XXXX XXXX XXXX, Account Name : XXXX XXXX XXXXXXXX, Account Name : XXXX XXXX XXXXXXXX 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 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 2022-12-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A. (TX)

On XX/XX/2022, PNC Merchant Services charged my checking account {$140.00} for a lease of merchant services equipment that was returned back to PNC Merchant Services on XX/XX/2022. The lease for the equipment was expired and equipment was returned properly. The charge for the equipment lease for XX/XX/2022. When calling PNC, PNC would not allow the transaction to be disputed because it was internal PNC matter. However, PNC noted that the equipment was returned and the lease was fully terminated. PNC stated that the transaction can not be reversed due to it being an ACH transaction being paid to PNC. PNC also allowed the transaction to occur even though the amount of the transaction brought the account to a negative balance. Under agreement, PNC should have returned the transaction instead of letting it process. 

In addition to being charged the lease amount, PNC also charged {$36.00} for insufficient funds for a transaction that should have happened.
Consumer complaint received 2023-06-06
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCF Intermediate Holdings LLC (TX)

XXXX XXXX XXXX ( XXXX ) is attempting to collect on a payday loan debt that was initiated through Cash Central, a licensed Credit Access Business ( CAB ) in Texas ; CAB meaning, Cash Central do not offere loans in Texas. The loan was arranged with XXXX XXXX XXXX XXXX, my lender, in the amount of {$2000.00} on XX/XX/2022. I have attempted on several occassions to reach my lender, in an effort to resolve this matter. I noly had one loan, but on my credit I am reflecting two loans totaling {$3300.00}, especially since payments was made on this loan. I was never told about another loan for {$590.00}, when ask to provide a Note or loans agreement, no one would furnish.
Consumer complaint received 2023-06-17
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. (TX)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-06-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (KY)

Had agreement with Citibank to help pay off credit card. Was making payments. XXXX monthly to pay down credit card. I was making payments all the way off until XX/XX/XXXX. 
in XX/XX/XXXX Citibank would not allow me to make a payment online or over the phone. Stated to call back my account was under review and they could not accept any payments at this time. To call back at the end of the month. Call again on XXXX. Lady states to Call back later on in month still under review, called again on the XX/XX/XXXX lady stated the same thing. Called back on XXXX still saying the same that my account was under review and I could not make any payments at this time to called back. Called back XX/XX/XXXX. Still not able to make payments stating it was still under review. Then I get a letter from collections saying they want the payment in full. I dont understand how it can go to collections if Citibank would not let me make a payment. I had tried for 3 months to make payments. Then spoke with XXXX XXXX with client services on XX/XX/XXXX. We talked about {$170.00} month for 36 months. I wouldnt agree to the arrangement until I had it writing. Due to the fact Citibank didnt stand behind the first agreement with me. I also requested a statement for the last 2 years of payments. I do not agree with the balance owed,. Again how can a creditor do this to a customer if you will not allow the customer to make a payment. Seems like to me Citibank set me up in order to turn this account into collections. I think this is unfair and discrimination. When I was trying to work with Citibank. And Citibank didnt hold their end of the agreement and wouldnt allow me make payments. 
Last year payments XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2023-02-19
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: Resurgent Capital Services L.P. (GA)

In accordance with the Fair Credit Reporting act XXXX Account, 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