davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

XXXX XXXX is providing false information about my background. Specifically, company is reporting an eviction. Attached documentation shows the case was dismissed per the clerk of court.
Consumer complaint received 2019-12-11
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Changes in terms from what was offered or advertised
Company: Neon Newco Corporation (MA)

On XX/XX/2019 Netspend is currently my trusted bank and they misused my funds for their own personal use. Netspend withheld held my funds from me when I mentioned I was in a state of emergency. A netspend phone representative did not allow me to speak to a supervisor to discuss some financial matters on my account. On XX/XX/2019 I reported my card stolen and requested for a replacement. On XX/XX/XXXX I sent some money from my netspend account to western union   for pick up. XX/XX/XXXX at XXXX I tried to transfer again however I was denied. I tried to call netspend, the automatic phone responder claimed that the call center was closed during advertised business hours. XX/XX/XXXX at XXXX A phone responder denied me access to her supervisor. The operator explained that the reason for me being unable to make a transaction on the account is because I didn't have an active card. This is not true I made a transaction XX/XX/2019. The representatives continuously lie and give customers the run around. This company is practicing deceptive practices such as keeping customers money and misleading information regarding their accounts. This company offers many services that they do not provide.
Consumer complaint received 2023-03-20
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)

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  account # XXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX, has violate15 Ud my rights. 

15 U.S.C 1681 SECTION 602 A. States I have rights 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 2023-12-02
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 accounts on my credit report as a result of fraud and identity theft. Letters and letters of the law have been sent to all three credit bureaus. I have also submitted an affidavit and police report. I request for these unauthorized items to be removed. The following collections and accounts, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

I have inaccurate reporting all throughout my credit report, I have attached credit report with side by side comparison. 

According to the Privacy Act of XXXX  ( b ) CONDITIONS OF DISCLOSURE No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains unless disclosure of the record would be -- I have several charge offs listed on my report, I now know a charge-off is considered a certificate of indebtedness, which means it is income and income can not be reported on my credit report. 

I am also aware that transaction history can not be reported on my credit. 

I also want all unauthorized inquiries removed. 
15 USC 1681 states 3 ) Information regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.
Consumer complaint received 2019-12-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (NY)

I received a promotional email by Citi bank on XX/XX/XXXX which said I will be given a XXXX dollars credits if I use my Citi credit card to purchase XXXX dollars or more through XXXX in 2 months. I did as follows. But four months passed, I have not received my bonus.
Consumer complaint received 2019-12-11
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc. (GA)

I enrolled in XXXX university under false statements of affordability to pay back my school loans in the future. I am in debt {$90000.00} in school loans for basically a worthless piece of paper. Well known, not for profit, state university degrees are just a fraction of that! I have never been able to find a job with my degree, years later! Most employers ask about XXXX and once they look into the school Im laughed at and passed up for the opportunity! When I wanted to further my education I had XXXX small children at home and only a XXXX. XXXX  high pressure sales type tactics had me enrolled before I could even sit down and think about it. I was told my school cost would be covered by federal school grants and that XXXX was one of the most affordable colleges in the nation. I was never told they were taking out private loans with high interest rates, and I would be swimming in school loan debt that would exceed that of a licensed medical doctor. I was told that school credit hours were {$770.00}. After doing my research I found that was a fair amount for furthering my education. However, that cost continued to rise the further and further I went into my college and school loan commitment. It exceeded more than {$2800.00} a credit hour by the time of graduation. This is something XXXX knew, they knew that {$770.00} was an initial introductory cost to fool you and hook you, while sophomores and seniors were already paying an upwards of {$2000.00}. XXXX also held my degree and refused to send it until I paid {$970.00} for graduation cost, cap and gown etc.. when I explained I could not attend the date in Iowa , they said it didnt matter, it was due or I didnt get my {$80000.00} piece of paper. I graduated in XXXX, and have never been able to find employment with my degree from XXXX. Since then I had to go on an IBR repayment plan because my school loan cost would have been $ XXXX  monthly. This has caused my private loan interest rates to stack up. Im begging for help! I know they have many class action lawsuits against them, i pled someone hear my case and allow me to join in the complaint. I begging for some type of relief from this fraudulent debt!
Consumer complaint received 2022-10-03
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. (SC)

I found some negative items on my credit report in which I did not recognize and sent the reporting agencies letters asking them to remove this inaccurate information. It has been more than 30 days which is the required time under the FCRA laws and I would like to get a response.
Consumer complaint received 2019-01-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A. (CA)

PNC LN XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX and XXXX XXXX We started a short sale on XX/XX/18. PNC is the 2nd TD. PNC is refusing to return any of our requests for a callback, will not give us status updates on the short sale, and we are currently at a standstill because they are claiming that the negotiator is unavailable and have NO idea when he will be back. They apparently are grossly understaffed, as they have no one working his files while he is gone. Neither the front-end nor management can tell us anything that is going on with this file and they have had this file for OVER SEVEN MONTHS. We have met all their demands and have no idea why they are still delaying the process. 

Again, this is a 2nd TD, and we are at the end of another round of 60 days worth of approvals from the 2nd TD. We just want someone at PNC to answer us. This dysfunction is an ongoing problem with PNC as a whole, to the point that it is obvious it is by design. It is done on purpose to obstruct their own clients ability to obtain a resolution to Retention Options. We just want a response from PNC.
Consumer complaint received 2022-10-03
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. (NJ)

The credit bureaus stated my account with XXXX XXXX and XXXX was properly investigated but it continues to display inaccurate information. The following errors are identified : The balance is incorrect The account status is incorrect The last reporting date is incorrect Remarks are incorrect This is a violation of 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 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2019-12-11
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. (CA)

I am a victim of identity theft and i went to all 3 credit bureas to get the fradulent items removed from my credit but the only bereau that has removed all the negative fradulent activity is XXXX  they did an  investigation and it did show that it was indeed fraud. the problem is i have contacted XXXX  and transunion for the past 3 months and they have not removed what XXXX  has removed from my credit, i have called, and mailed them numerous times and they dont make these changes.
Consumer complaint received 2019-12-11
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (GA)

On XX/XX/2019, I registered on the Do Not Call Registry. 
On XX/XX/2019 I sent a certified letter to Navient student loan services that included my recent Chapter XXXX Bankruptcy completion paperwork, and a letter requesting that Navient contact my attorney with all further questions regarding my account. I still received phone calls and emails directly from Navient after their received my certified letter. On XX/XX/2019 I finally sent a Cease and Desist Letter to Navient via certified mail. I have continued to receive emails and phone calls on a daily basis from Navient since they received my Cease and Desist letter. My relatives have also continued to receive communication from them.
Consumer complaint received 2019-01-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Healthcare Collections-I, LLC (AZ)

This is a complaint from XXXX XXXX against XXXX XXXX XXXX XXXX for XXXX XXXX  failure to provide requested information for the debt alleged. XXXX XXXX has been attempting to collect on a debt that consumer does not recognize. On XX/XX/18, consumer ( through legal counsel ) responded with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d.  Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity. 
On XX/XX/18, XXXX XXXX responded with original statements for the debt alleged ( attached below ), but none of the requested documentation, including a chain of title showing ownership of the debt by XXXX. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MS)

XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX POTENTIALLY NEGATIVE Balance - Balance updated XXXX XXXX XXXX POTENTIALLY NEGATIVE Balance {$12000.00} Balance updated XX/XX/XXXX DEPT OF ED/XXXX Balance {$830.00} Balance updated XX/XX/XXXX DEPT OF ED/XXXX Balance {$4000.00} Balance updated XX/XX/XXXX DEPT OF ED/XXXX Balance {$5100.00} Balance updated XX/XX/XXXX DEPT OF ED/XXXX Balance {$3800.00} Balance updated XX/XX/XXXX DEPT OF ED/XXXX Balance {$5500.00} Balance updated XX/XX/XXXX DEPT OF ED/XXXX Balance {$1000.00} Balance updated XX/XX/XXXX DEPT OF ED/XXXX Balance {$140.00} Balance updated XX/XX/XXXX DEPT OF ED/XXXX Balance {$7400.00} Balance updated XX/XX/XXXX DEPT OF ED/XXXX Balance {$1500.00} Balance updated XX/XX/XXXX DEPT OF ED/XXXX Balance {$6000.00} Balance updated XX/XX/XXXX DEPT OF ED/XXXX Balance {$5100.00} Balance updated XX/XX/XXXX DEPT OF ED/XXXX Balance {$5900.00} Balance updated XX/XX/XXXX DEPT OF ED/XXXX Balance {$7000.00} Balance updated XX/XX/XXXX DEPT OF ED/XXXX Balance {$1500.00} Balance updated XX/XX/XXXX DEPT OF ED/XXXX Balance {$4000.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX XXXX  LATE PAYMENT Balance - Balance updated - XXXX XXXX Original creditor XXXX Balance {$1100.00} Balance updated XX/XX/XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-20
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: EQUIFAX, INC. (OH)

Good evening the receipt of this correspondence is for data and legal purposes.

I have continued to communicate with all credit companies about fraudulent Information reported on my consumer credit report.

Attached to this statement is evidence Data what is open from creditors and commercial companies With law enforcement Confirming missed information on my consumer credit profile.

All of the credit companies have been notified and given several opportunities to Adjust my credit report to reflect accurate information and remove Disputed accounts Some accounts have been removed some of them remain which is against the Is fair credit reporting ACT.

All credit companies have violated permissible Is purpose, Along with 611, 612, 615 and Several other consumer laws.

This notice is evidence, Of a 4th coming lawsuit.

All credit Company served in this suit are responsible for {$100000.00} Conversation to XXXX XXXX XXXX For several consumer violations. 
Everyone notified has 10 days to respond with Appropriate actions, Credit collections or a {$100000.00} payment Failure to respond will result in a executive default.
Consumer complaint received 2023-08-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: DISCOVER BANK (FL)

Ive been a victim of identity theft for the last two years. I opened a savings and money market acct with Discover Bank last year and a checking account a couple months ago. Up until opening my checking account I never had any issues with my two other accts. Upon opening the checking though, unauthorized transactions from XXXX XXXX started popping up, a lot of them. I informed Discover Bank that I was a victim of identity theft and told them that I havent had an active XXXX XXXX acct in my name since XX/XX/XXXX. On XX/XX/XXXX I had to file yet another dispute on my accts. I had been told previously that they wanted to issue me new acct numbers and change my password but couldnt do it until all trasaction posted. I think the day before they had placed a freeze on the acct until the transaction on the acct posted and informed me that in order to access my funds all I needed to do was to call in to the fraud department and they would lift the freeze long enough for me to move money and then refreeze the acct. on XXXX at XXXX I had decided to just have all the funds wired out of the acct. However at XXXX that day the wire hadnt happened yet so I called and they told me that Id have to wait until XXXX for the wire transfer. I told them no and to cancel it which they said they did, and I was able to move some money out of the acct. when I called XXXX afternoon I was also told that everything has posted so they were issuing me new acct numbers and unfroze the acct. XXXX XXXX however, I had received notification that my brand new acct had been frozen already and I had no clue why. I called and spoke to the fraud department who asked me a couple questions said everything was good and forwarded me to the dispute department. The dispute department told me funds should be in my acct the next day and to keep an eye on it. However, before hanging up the lady told me I needed to be transferred to one other department. When she transferred me after being on the phone an hour the lady said that they had made the business decision to close my acct! With all my funds still in it. They closed my acct after making me open a brand new one and didnt take the fact that Im an identity theft victim into consideration and despite the fact that I had asked them to block cash app from continuing to access funds from my acct. they continued to let it happen but yet Im being punished for it. And after that more money went back into my acct. now Im being told 10-15 business days to receive a check. I dont have 15 days to wait for my money back when this is all their fault. This is exploitation of a XXXX identity theft victim and its conversion, which is also illegal. I want access to my funds via wire and I want my account to remain open. Its not fair that they punish me cuz they didnt do their job.
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Debt Collector : XXXX XXXX is reporting invalidated information on my Transunion Credit report. Debt collector is still showing invalidated information on consumers credit report which is In violation of FDCPA, Debt collector has been notified via debt validation letter that reporting inaccurate/invalidated information on consumer credit report while debt is being disputed can be constituted as fraud and disparagement of credit.
Consumer complaint received 2023-02-25
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. (NY)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2024-01-12
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: SYNCHRONY FINANCIAL (NC)

On credit card number ending XXXX sychrony bankcard for amazon store the bank sychrony reports that i have not paid a balance of {$480.00}. 
that statement took my credit down from XXXX to XXXX. 
all items in question were returned before XX/XX/XXXX. 
amazon investigated ( 3 ) times around ( 3/2023 ). amazon emailed me ( 3 ) different times Saying they refuned sychrony bank already ( XX/XX/XXXX ). 
sychrony bank had and has no reason to legally mess up my and they continue on this path .My credit is to be restored to XXXX as it was before sychrony bank made the ( false and completly FALSE FILING WITH THE CREDIT AGENCIES. )