davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-18
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. (KS)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance : {$31000.00} ; XXXX XXXX Balance : {$16000.00} ; XXXX XXXX Balance  : {$2900.00} ; XXXX XXXX Balance : {$17000.00} ; XXXX XXXX Balance : {$12000.00} ; XXXX  XXXX Balance : {$17000.00} ; XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$680.00}.
Consumer complaint received 2023-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

FCRA Violation : hard enquiries not mine 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 FCRA Violation : collections is not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-18
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. (MS)

As of Friday morning XXXX XXXX. Im so very devastated to the findings on my credit report. Someone has opened fraudulent bank installment loans and accounts without my consent and or permission. Someone obtained three loans total. Two of which from the same content. The first loan was with XXXX XXXX XXXX and was opened on XXXX XXXX. The second loan was also with the same institution XXXX XXXX XXXX and was opened on XXXX XXXX during the Coronavirus pandemic crisis. The third account FRAUDULENT account is with XXXX XXXX, opened on XXXX XXXX. This is so sad that people cant leave peoples personal business alone, and respect their privacy. This is very uneasy for me to get this resolved. This is totally messed up and has tore my credit completely up. This is very depressing knowing that someone has MY! PERSONAL information.
Consumer complaint received 2021-10-11
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP (AZ)

I started a refinance on a property I owed with U.S. Bank on XXXX. They approached me about doing the refinance. I owe approximately $ XXXX on current loan. They assured me a better rate. Appraisal was done with a value of $ XXXX. I always gave them any documents requested within 24 hrs of request. Underwriting couldn't get loan processed within the 30 days. I was sent loan denial by mail on XX/XX/XXXX. I was assured loan would go through and was assured a loan rate of 2 %. On XX/XX/XXXX underwriting again did not get loan processed. They then asked to do a credit check and I needed to resubmit all bank documents again. I have a credit score of XXXX. I was not willing to give them the documents again and the loan is cancelled. The treatment I received by U.S. Bank was absolutely horrible and humiliatingly.
Consumer complaint received 2020-06-12
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: EQUIFAX, INC. (FL)

I have reached out to the companies several times to handle this particular matter. These items are causing my report to look bad and it is tough to get approved for apartments. Please help with this issue.
Consumer complaint received 2023-02-10
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 — Problem with personal statement of dispute
Company: Exeter Finance, LLC. (CA)

I just received notification of a 30 day late payment on my credit report. I helped out my daughter with getting a car, and I co-signed for her, and she was 30 days late. My issue is the company took XXXX points off of my credit for a 30 day late. This is beyond crazy, and overexert authority of this company. I understand XXXX maybe XXXX points for my daughter not paying on time, but almost XXXX points. I strongly disagree.
Consumer complaint received 2023-02-10
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: AMERICAN EXPRESS COMPANY (TX)

I have been with American Express since 2008. I received an offer in my AMEX app for XXXX bonus points when you sign up for the XXXX XXXX and spend {$6000.00} in the first 3 months. I applied for the card solely due to this promotion as I have a XXXX XXXX XXXX card that I love and did not need another card with a XXXX XXXX  year fee. I received the XXXX card and spent well in excess of the {$6000.00} required. However, American Express only applied XXXX points to my account and refuses to apply the remaining XXXX that I am owed. I spent weeks working with American Express to try and fix the issue and they refuse to honor the original agreement that I applied to. XXXX of their representatives even admitted that it was changed after the fact from XXXX points to XXXX points. I used to be a loyal American Express customer and now will do everything possible to avoid that company. This was an illegal bait and switch, plain and simple.
Consumer complaint received 2023-02-18
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. (CA)

This is ridiculous I am a human like the rest of the ppl of the universe yet my no one is apparently listening to me I have rights!!! under 15 USC 1681!!!! They have violated my rights on numerous occasions alI I ask is for these accounts to be deleted immediately.According to 15 USC 1681 : I have the right to privacy and i did not give TransUnion written permission to furnish theses 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 15 USC 1681 : ( 4 ) There is a need to insure that consumer reporting agencies exercise their their grave responsibilities with fairness, impartiality, and a respect for the consumers privacy. 15 USC 1681 : ( 1 ) All information in the consumer 's file at the time of the request, except that ( A ) 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 note included in the disclosure and the consumer reporting agency shall so truncate such number in such disclosure ; and ( B ) nothing in this paragraph shall be construed to required consumer reporting agency to disclose to a consumer any information concerning credit scores or predictors relating to the consumer. Also none of my credit report matches up in any of the three credit bureaus that i disputed about last year and its still incorrect!!!!!
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I'm writing to bestow my XXXX  concerning the tested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably referred to that they be completely broke down. Regardless of what my endeavors, I eventually can't get any goal or supportive development. These misguided records are really harming my credit file and hindering my capacity to go on with an ordinary life. The disagreeable results of these slip-ups have caused huge difficulties for me, and I'm left with no decision beside to battle for your help with surveying what's going on quickly. I generously demand that you direct a wary evaluation concerning the vital of these tested records. It is fundamental that the chief pushes are taken to restore and amend my credit report immediately. With your assistance, I need to reestablish the accuracy and reliability of my credit record so I could recuperate command over my cash related achievement. I truly demand that you offer this matter your generally preposterous idea and make a quick move. Your help and moving in settling this issue rapidly would be exceptionally critical. Much appreciation to you right off the bat for your insight and help.
Consumer complaint received 2023-02-10
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: EQUIFAX, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-02-18
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)

Consider this as a follow-up complaint to my previous complaint dated XX/XX/2023. 
The accounts that are erroneous in my file must be removed due to their inaccuracies Here are the aforementioned accounts : XXXX XXXX XXXX XXXX Balance : {$4800.00} XXXX XXXX XXXX XXXX balance {$62.00} These accounts are inaccurate and fraudulent. Im seeking Litigation. Please delete them at once.
Consumer complaint received 2024-04-16
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: General Motors Financial Company, Inc. (WI)

On XX/XX/XXXX my XXXX XXXX XXXX leased vehicle was involved in a deer vs. auto accident. It has been 168 days and the parts to repair the vehicle are still not available, with no estimation of when they will be. I have contacted General Motors and receive weekly emails stating " we are still experiencing a delay on the parts needed to repair your XXXX XXXX XXXX. '' I have continued to make my insurance and lease payments throughout this process, along with paying an additional {$1100.00} per month for a rental car.
Consumer complaint received 2023-07-18
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. (MI)

The following lender is violating my consumer rights by reporting inaccurate account information. I am requesting Validation ( Not Verifiaction ) of the following account : Account name : XXXX XXXX Account number : XXXX. This company has repeatedly reported a payment history every month for 12 months on a charged off account. The balance history of this account should have a status of " NO DATA ''. This account has affected my credit score due to the violation. Finally ; it is falsely manipulating the legal Statute of Limitations and misleading potential new lenders.
Consumer complaint received 2023-02-10
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

Hi, My name is XXXX XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over 30 days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the Equifax data breach and might are becoming into the fingers of the wrong person.
Consumer complaint received 2023-07-17
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX  case # : XXXX ( deducted XXXX XXXX XXXX points ) never get adjust XXXX XXXX did removed incorrect delinquent history, but not late payment history, from my credit report. 
The late payment was a mistake and I reported it to XXXX XXXX. 

My credit score ( never NOR adjust ) after the delinquent history payment was removed. 

I disputed the late payment with the credit bureaus, but my dispute was not successful.
Consumer complaint received 2021-10-11
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. (OK)

In XXXX of XXXX, my FFEL student loan for the amount of {$55000.00} was marked as forgiven by XXXX and the US Department of Education due to the fact I am a 100 % XXXX veteran. 
XXXX the loan holder was contacted about this and in XX/XX/XXXX the loan was no longer on my credit and my account was shown as closed. 
In XXXX of XXXX I noticed I had a delinquent student loan for the amount of {$24000.00} showing on my credit report. When I contacted XXXX they told me that my loan that was forgiven was a consolidated loan with my Ex-wife of 11 years, so the {$24000.00} had to be paid by me since she was not paying. I received no information on this until it was delinquent and negatively affecting my credit. My credit score dropped from XXXX to XXXX because of this action. I paid all fees to bring the loan current and I have been paying this loan since then. 
In XXXX of XXXX I noticed on my credit report that XXXX was now reporting the {$24000.00} student loan of my wife 's and they had added back the original student loan, but increased the amount to {$66000.00}, which is an increase of {$10000.00}. So now showing on my credit report is a loan for {$66000.00} and a loan for {$24000.00}. 
I would like to be clear on this math, my original student loan amount that was forgiven was {$55000.00}, now my student loan debt showing on my credit report is {$90000.00}!!!! How can this be??? 
I have contacted all credit bureaus and disputed this reporting, all say the reporting is correct. I have contacted XXXX by telephone and their dispute process. They will remove the error on one reporting cycle, then in a couple of weeks I receive a letter saying the reporting can't be changed and the next credit cycle it is back on my credit and my score drops drastically. I have called every person at XXXX that will talk to me but no one will fix this continuing error. 
I am a XXXX veteran on a fixed income, needless to say this is very negatively affecting my quality of life and living situation. I have called and sent letters to every resource I can and I can't get any help on this issue.
Consumer complaint received 2024-08-04
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. (GA)

IVE RECENTLY CHECKED MY CREIT REPORT AND SEEN SOME UNAUTHORIZING CREDIT REPORTING XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2021-10-11
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. (OK)

In XXXX of XXXX, my FFEL student loan for the amount of {$55000.00} was marked as forgiven by XXXX and the US Department of Education due to the fact I am a XXXX XXXX XXXX veteran. 
XXXX the loan holder was contacted about this and in XX/XX/XXXX the loan was no longer on my credit and my account was shown as closed. 
In XXXX of XXXX I noticed I had a delinquent student loan for the amount of {$24000.00} showing on my credit report. When I contacted XXXX they told me that my loan that was forgiven was a consolidated loan with my Ex-wife of 11 years, so the {$24000.00} had to be paid by me since she was not paying. I received no information on this until it was delinquent and negatively affecting my credit. My credit score dropped from XXXX to XXXX because of this action. I paid all fees to bring the loan current and I have been paying this loan since then. 
In XXXX of XXXX I noticed on my credit report that XXXX was now reporting the {$24000.00} student loan of my wife 's and they had added back the original student loan, but increased the amount to {$66000.00}, which is an increase of {$10000.00}. So now showing on my credit report is a loan for {$66000.00} and a loan for {$24000.00}. 
I would like to be clear on this math, my original student loan amount that was forgiven was {$55000.00}, now my student loan debt showing on my credit report is {$90000.00}!!!! How can this be??? 
I have contacted all credit bureaus and disputed this reporting, all say the reporting is correct. I have contacted XXXX by telephone and their dispute process. They will remove the error on one reporting cycle, then in a couple of weeks I receive a letter saying the reporting can't be changed and the next credit cycle it is back on my credit and my score drops drastically. I have called every person at XXXX that will talk to me but no one will fix this continuing error. 
I am a XXXX veteran on a fixed income, needless to say this is very negatively affecting my quality of life and living situation. I have called and sent letters to every resource I can and I can't get any help on this issue.
Consumer complaint received 2021-10-11
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. (OK)

In XXXX of XXXX, my FFEL student loan for the amount of {$55000.00} was marked as forgiven by XXXX and the US Department of Education due to the fact I am a XXXX XXXX XXXX veteran. 
XXXX the loan holder was contacted about this and in XX/XX/XXXX the loan was no longer on my credit and my account was shown as closed. 
In XXXX of XXXX I noticed I had a delinquent student loan for the amount of {$24000.00} showing on my credit report. When I contacted XXXX they told me that my loan that was forgiven was a consolidated loan with my Ex-wife of 11 years, so the {$24000.00} had to be paid by me since she was not paying. I received no information on this until it was delinquent and negatively affecting my credit. My credit score dropped from XXXX to XXXX because of this action. I paid all fees to bring the loan current and I have been paying this loan since then. 
In XXXX of XXXX I noticed on my credit report that XXXX was now reporting the {$24000.00} student loan of my wife 's and they had added back the original student loan, but increased the amount to {$66000.00}, which is an increase of {$10000.00}. So now showing on my credit report is a loan for {$66000.00} and a loan for {$24000.00}. 
I would like to be clear on this math, my original student loan amount that was forgiven was {$55000.00}, now my student loan debt showing on my credit report is {$90000.00}!!!! How can this be??? 
I have contacted all credit bureaus and disputed this reporting, all say the reporting is correct. I have contacted XXXX by telephone and their dispute process. They will remove the error on one reporting cycle, then in a couple of weeks I receive a letter saying the reporting can't be changed and the next credit cycle it is back on my credit and my score drops drastically. I have called every person at XXXX that will talk to me but no one will fix this continuing error. 
I am a XXXX veteran on a fixed income, needless to say this is very negatively affecting my quality of life and living situation. I have called and sent letters to every resource I can and I can't get any help on this issue.
Consumer complaint received 2023-02-10
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (FL)

In accordance with the fair credit reporting act XXXX  account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  debt buyer, Has violated my right. 15 U.S.C 1681 section 602 A states i have the right to privacy 15 U.S.C 1681 section 602 a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. this account still show revolving and charge off in my credit report and this needs to be removed by law been incorrect information and dates. also it was reported as late payments for many months even though they knew i was going through bankruptcy, they improper used my credit report and this accounts needs to be removed also all the late payments needs to be remove from my credit report by law.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Received unwanted marketing or advertising
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

On XX/XX/2024, I received confidential mail that was addressed to another customer of CitizensBank. Copy attached.

This is a violation of the privacy of these customers. When I reported it to XXXX, in the office of the Chairman of Citizens Bank, she said ooops and asked me to send it back. Just last week, she sent a XXXX  addressed to me ( which she said contained a label so I could return the other customers mail ) to an address that I have not lived at for 5 years. When I contacted her about that, she said ooops again. I have no idea what personal information of mine was in that XXXX, who opened it or where it is. This is a violation of my privacy.