davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-07
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. (HI)

I call Transunion to dispute my Bk. The County Recorder of Deeds and the Bankruptcy Courts have both mailed me letters which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. 

My inquiry to the County Recorder of Deeds and U. S. Bankruptcy Courts confirmed Transunion Credit Bureau has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I need bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately. 

The Transunion Credit Bureau needs to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under Public Records needs to be immediately deleted from the credit file you maintain under my name and social security number. Be further advised that I am closely monitoring my credit file. Per the Federal Law, you have exactly 30 days to complete this investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ).
Consumer complaint received 2020-04-07
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: EQUIFAX, INC. (SC)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2023-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CL Holdings LLC (DC)

I contact Jefferson Capital Systems in regarding to an account that listed on my credit report in the amount of {$5700.00}. I tried to resolve this matter on the phone several times. I have yet to reach any resolution. 

In addition, I notified my information was breach thru XXXX between XXXX 2017. I file an official report regarding this breach since my data is on the dark web, and there are a couple of items on my credit report I do not recognize and I have to deal with consumer reporting agencies of my personal non-public information as a result.
Consumer complaint received 2020-04-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CashRepublic Holdings, Inc. (FL)

Dear Credit Bureaus I hope this letter finds you well. I am writing to you today to humbly request that my late payments be removed from my credit report. I understand that these late payments have had a negative impact on my credit score, and I am doing everything in my power to rectify the situation.

Over the past few months, I have been working diligently to improve my financial situation. I have taken steps to better manage my money, and I am proud to say that I am now in a much better position to make my payments on time.

I would like to ask for your understanding and consideration in this matter. I am committed to improving my credit score and I believe that removing these late payments will be a great step in the right direction. 

Thank you for taking the time to read this letter. I look forward to hearing from you soon. Below you will find the accounts that need attention. 

BTW XXXX in the XXXX Full time.
Consumer complaint received 2023-06-24
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: Experian Information Solutions Inc. (OH)

This is a second complaint Ive filed now. The company is refusing to handle the case properly. They claim that since Im claiming my account was hacked, that they are increasing measures to verify my identity. All I want them to do is close my account. Someone hacked my account and changed the email and password. I do not wish to re-register, especially after all of this chaos. Clearly they need to step it up security wise. I refuse to send sensitive and personal information via mail or fax just to close my account. I dont care how safe they claim it is. Why would a perp go this far to comprise an account anyway? I will continue to fight this until the account is closed without documentation being faxed or mailed. Here is the original complaint : On XX/XX/, I received an email from Experian stating that my email address for my online account had been changed. I never changed my email, so I emailed Experian as advised to do in the email change notification. The first response I got was asking me for more information in order to help me. I replied with the information requested. Then I eventually never heard anything back. I continued to email in attempt to resolve the issue. Apparently email is the only way to contact experian regarding hacking. They finally replied, and asked me to fax or mail a copy of my drivers license, social security card, and a utility bill to their consumer affairs department. Then they would be able to delete my account so that I could re-register. I wrote back several times and advised that I have been a victim of identify theft and was not comfortable faxing or mailing a copy of my social security card. I didnt want that type of info sitting on a fax machine in Texas with people I dont know. I also didnt want to risk the info getting compromised in the mail. I tried to reason with experian by explaining my hesitation to them. I also explained that it seemed ridiculous for me to have to send all that stuff, when I didnt need it to register, nor did the hacker need it to take control of my account. They still insisted on me sending these documents. I offered to meet them halfway by sending documentation via email with some info censored out ( like the first 6 digits of my social security number ) They wouldnt budge. I told them they had until Friday,XX/XX/XXXX to confirm the account had been closed or I would file a complaint. I have not received any confirmation, so here I am. I do not wish to re-register considering their lack of cyber security and the fact that they want me to send such critical documentation to a fax machine or mailing address, when my account has already been compromised. I just want the account closed and confirmation of the closure sent to the original email on the account.
Consumer complaint received 2023-02-27
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. (OH)

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 Account # XXXX, XXXX XXXX : Account # XXXX, XXXX  XXXX : Account # XXXX, XXXX  : Account # XXXX, XXXX : Account # XXXX, XXXX XXXX XXXX : Account # XXXX, XXXX  : Account # XXXX, XXXX : Account # XXXX, XXXX XXXX  : Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 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 2020-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (FL)

i tried so may times to have this account remove from y credit report, every time the credit bureaus remove the account navient put it back on there. they claim that i owe {$110000.00} witch is impossible.i have  proof of how many time this account has been removed and put back into the report, this account has created a huge problem financially. and also a few other accounts that i know nothing about that the credit agencies refuse to remove from my credit report such as recievables performance, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX i simply ask that these ithems to be remove from my credit report thanks
Consumer complaint received 2021-06-18
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)

I have a credit card account with XXXX  showing on my credit report that doesnt belongs to me. Im sure this account was fraudulently opened and I have try to dispute this incorrect information with the credit bureaus and have not heard anything back regarding this issue. Ive even filed an identity theft report with the Federal Trade Commission.
Consumer complaint received 2020-04-07
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (NY)

I emailed Navient after I submitted renewal of Income Based Repayment Plan after the company rejected my renewal application due to my income not being qualified as a financial hardship. I asked if the interest on the loans would capitalize. This is what the company wrote : -On XX/XX/2020 : " Your interest will not capitalize so long as you renew your Repayment Plan prior to your current plan expiring. If, in the future, you decide not to renew, your interest will capitalize. '' XXXX XX/XX/2020 : " You are still considered to be in IBR plan for loan forgiveness purposes. '' XXXX XX/XX/XXXX Navient capitalized the interest on the loan in the amount of {$6500.00}. 

I re-applied for IBR before the deadline, and I was told that I'm still in the IBR program and that interest would not be capitalized. The company should not be able to capitalize the interest when I reapplied in time and told me it wouldn't be capitalized.
Consumer complaint received 2023-05-09
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. (FL)

Some of the information on my credit report was erroneous, which I discovered when I examined it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) impose a verification requirement on the three credit bureaus ( A ). It is not allowed to declare these items to be unreliable information within the legally allowed time range without providing any justification. Because of erroneous reporting in my file, my credit report indicates that the following problems need to be investigated and fixed : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-07
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (MT)

I brought up this exact concern to the Home depot before opening my account. I was guaranteed by the credit account manager that the Home Depot would never change account terms to add full back interest after the two year promotion date was over. Specifically he said that " The Home Depot cares too much for its customers to do that '' and that my account was " Two years no interest '' and that my concern was " two years deferred interest ''. THAT IS HOW HE SOLD ME ON CREATING AN ACCOUNT. Additionally, since I spend so much time TDY away from home, I have always set up payments so that purchases will be payed off in full before the end of two years. this method of managing my account has worked well for ten years with no problems until now. I don't know what went wrong. The auto payment were not nearly as agreed, in fact Citi made them digressive until the end of the two years and then added the full back interest to the principle. This is terrible PREDATORY lending and an internet search reveals Citi as absolutely famous for this. I contacted them when I learned about this and asked them to contact me to discuss it. No one contacted me. They just left me a message that they turned down my request. ( Which I hadn't even had a chance to explain yet ) Now, over a year later I have had some time to re-visit the issue and when I contacted Citi executives I was told that it had been too long ( even though I first contacted them when it happened ) and that it was my fault since I " chose not to manage my account ''. 
I don't deserve this. NO ONE DOES. 

1 I have excellent credit and have never missed a payment so why are Predatory Banks like City allowed to charge any interest rate they please?? 
2 why can Banks change the terms of credit accounts as the please and then tell me that " they sent me letter '' informing me of the change in terms?? Should notification methods be adiquate for EVERYONE, even if some people spend much time away from their place of residence. Why can't changes REQUIRE a confirmation.

3 How can organizations like Home Depot, Best Buy, Costo and others allow their customers to be taken advantage of by such a predatory lender as Citi? How can they possible demonstrate their disregard for their patrons any more clear?? ( I'm going to bring this up with the executives of each )
Consumer complaint received 2023-03-09
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: U.S. BANCORP (OR)

USBank is sending me much too many spam marketing emails. These are pure spam marketing email, not notifications about the accounts etc. I have no problem with useful emails. I'm talking about strictly marketing. 

These spam emails have no unsubscribe option. 

There is no preference in my account profile online to opt out of marketing spam. 

I call the best number for consumer support at USBank to get them to opt me out of their spam. They moved me to another division. They transferred me to another division, they transferred me to another division. That division was going to put my call through after I convinced the computer that neither of the two options they offered were my problem, but it disconnected me. I did a web search and found a special page to opt out of USBank marketing XXXX. It had a number to call. I called that number. 

After investigation USBank 's opt out specialist couldn't find a way to opt me out of USBank marketing spam. 

This may be the wrong place to complain, but unsolicited marketing spam should provide an opt out link on the email.
Consumer complaint received 2023-03-02
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NJ)

Today, XX/XX/XXXX, I spoke with Wells Fargos employee XXXX XXXX who insisted on the phone that she sent me the XXXX FHA Loan Modification Denial Letter. Not true. I asked Wells Fargo employee XXXX XXXX to resend said letter to my email on file. I am still waiting, I wish not to have anymore phone communication with Wells Fargos employees as she/they can not be trusted with the truth as it relates to Wells Fargo stealing my former asset : XXXX XXXX XXXX XXXX XXXX NY XXXX . In my XX/XX/XXXX complaint regarding providing FHA loan modification denial letter, Wells Fargo employee XXXX XXXX failed to provide said letter. I am in contact with FHA/HUD.
Consumer complaint received 2020-04-07
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. (HI)

I call Transunion to request a MOV .... I got a letter from the court house ( the clerks office does not report any information to the credit reporting agencies ...
Consumer complaint received 2024-03-18
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. (IL)

On XX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 
I further remind you that, as in White v. XXXX XXXX Solutions, XXXX XXXX XXXX. XXXX XXXX - XXXX. Court, ( XXXX California XXXX ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts.

I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature. 
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.

I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XXXX XXXX ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.
Consumer complaint received 2020-04-07
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. (MD)

XXXX XXXX  HAVE FRAUDULENT INQUIRIES - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX - XX/XX/XXXX XXXX. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT FOR THE DATES LISTED. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO. THIS HAVE TO BE AGAINST THE LAW.
Consumer complaint received 2020-04-07
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. (MD)

XXXX XXXX HAVE FRAUDULENT INQUIRIES FOR THE FOLLOWING DATES XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX XX/XX/XXXX - XX/XX/XXXX. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO.
Consumer complaint received 2021-06-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc (WA)

This is the second time I've done this and obviously nothing was done the first time be side they still do it. PayPal sends customers emails claiming that holds on the payments a seller received are from outside sources. But in fact the payments are being held by PayPal for their own intrest bearing accounts to make profits. These statements are being made about financial transactions and they are being sent over electronic communications which as I understand is wire fraud. It is happening to hundreds if not thousands of sellers.
Consumer complaint received 2020-04-07
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. (MD)

XXXX XXXX  HAVE FRAUDULENT INQUIRIES - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX - XX/XX/XXXX XXXX. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT FOR THE DATES LISTED. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO. THIS HAVE TO BE AGAINST THE LAW.
Consumer complaint received 2020-04-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (NY)

I attempted two recent wire transfers in the past 2 weeks. I received email notification from the bank ( Chase Bank ) that these were cancelled for security purposes, and directed to visit Chase.com Secure Messages for more information. I then attempted to log into my account, but received the following message : " We locked your account to protect it from suspicious activity. To unlock it, call XXXX ''. I duly called this number, was put on hold for over an hour, then disconnected. Twice! I can not access my funds. I can not log into my account. I can not speak with anyone at Chase to resolve the issue. As far as I am concerned, they have taken my money without any recourse or ability for me to access my funds.