davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-09
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately 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 2022-11-10
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: KEYCORP (UT)

I went to a KeyBank branch to initiate a bank wire to pay for products for my business. Because of a bank error the funds were never sent and they have cost me thousands of dollars to fix the banks error. They admitted that the problem was their fault but have taken XXXX action to fix the problem. The manager of KeyBank has been ignoring me and will not return my phone calls.
Consumer complaint received 2022-06-17
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: EQUIFAX, INC. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2023-01-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY (AZ)

I had account back in XXXX. Than they closed my account saying I owed over XXXX XXXX from years back without explanation. So I think something was wrong. Now this is between XXXX  and XXXX  would like to resolve this matter. Thank you.
Consumer complaint received 2023-07-31
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. (TN)

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 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 2023-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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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: EQUIFAX, INC. (FL)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (IL)

A few years ago I signed up for an Experian online account, which means I've established a contract with this company. My credit is very important to me, so I've created the Experian online account to monitor the health of my credit and if issues arise, to dispute such issues online - as promised in the contract. 

In the past couple of months I've been running into the same problem- Experian no longer allows me to dispute inaccurate information on my credit report through my online account, which is a clear violation of my contractual agreement with them. 
This issue is giving me lots of problems, inconvenience and immense frustration. I want to be able to dispute online any inaccurate information on my report. 

I tried to call Experian numerous times to resolve the issue, however their system is design to frustrate their clients by not giving them option to speak with a real person. 

Your immediate attention to this issue is crucial, fix your system and allow me to dispute inaccuracies though my online account ASAP.
Consumer complaint received 2021-12-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Im really not understanding why you all are giving me XXXX on earth and disregarding every mail, every complaint I send to you all this has been going on since XXXX of 2021 and you all are still holding these accounts on my report for no reason and without any legit proof.First, I will like to say stop sending me mail saying verified as accurate with no factual proof thats it is accurate.You sending me billing statements is not considered proof on why it must stay on my report because as I said in the previous XXXX complaints those are alleged debts and even those billing statements are false and misleading XXXX am also aware that with you all actually dealing with my information you all should not be reporting ANYTHING without my written consent and being that this is going on a good 8 months strong you all have yet to send me a written contract with my consent. 

Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. 
As a consumer by law these accounts on this letter must be deleted immediately or i will seek monetary damages in small claims court in my city and state. Also we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX and Federal Trade Commission. 

The only reporting agency that removed all these accounts were XXXX because they know they are in violation so if one of them has followed protocol YOU ALL NEED TOO AS WELL!
Consumer complaint received 2021-12-24
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: Maximus Federal Services, Inc. (IL)

You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report.

As a consumer by law these accounts on this letter must be deleted immediately or i will seek monetary damages in small claims court in my city and state. Also we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission.
Consumer complaint received 2021-12-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Flagstar Bank, N.A. (OR)

We were under a XXXX forbearance but have begun a loan modification with Flagstar Bank. Our first payment was made XX/XX/XXXX. Then on XX/XX/XXXX a change on our account prompted XXXX alerts from XXXX and XXXX saying that there is new " major derogatory '' information on my credit report. This new information seems to be related to the fact that we made our first mortgage payment under the new terms of the modified loan. The comments on the account in question say " paying under a partial payment agreement, '' meaning that the amount we are paying is less than the monthly amount of the previous loan. It was our understanding that a XXXX forbearance would have no negative consequences to our credit report, so I called both XXXX and Flagstar Bank and asked them to correct this error. A new letter, dated XX/XX/XXXX, from XXXX says that they updated the information, but the supposedly updated information is unchanged. It still says exactly the same thing, word for word. The letter says the following : " The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. '' I am not sure what I should do at this point, but this seems to be an error that Flagstar should correct. Please help.
Consumer complaint received 2021-12-24
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: OneMain Finance Corporation (NC)

the complaint is against one main financial located at XXXX XXXX in XXXX NC. i called them to inquire about a vehicle loan and that i might be interested in getting one. i told them once i pretty much found something, i would call back, after i did some shopping around online or in person. i found something i liked, online. so i called one main back but this time they never answered my calls. i tried calling a few or a couple of times and calls went unanswered. i know i had poor credit in the past, but it is good now. very good. and i explained that to them. and that i worked on my credit to bring my scores way up again. but that gave them no reason to ignore my calls. i know they were open and not closed because they normally close around XXXX or so and i called way before that time. but that's ok. dont bother calling when it's time for a payment. i will block your number and i am going to have these accounts removed from my credit reports
Consumer complaint received 2023-12-07
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (OH)

Navient cashed check but didn't put towards balance of private loan. There federal loan is NOT even on the soft pull report. They put a federal loan number on my check and asked me to make payment for private loan even though they cashed it for a federal loan. Also, you are asking for money prior to XXXX time line. I sent XXXX so regardless it is sent but in mean time this all should be resolved. All the star XXXX money is cashed checks through navient should be private loan. XX/XX/XXXX, XXXX usd, XX/XX/XXXX, XXXX usd, XX/XX/XXXX XXXX usd
Consumer complaint received 2021-12-24
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TMX Finance LLC (GA)

TITLE MAX OF GEORGIA is claiming that I owe an alleged debt from XX/XX/2021 in the positive balance of {$2800.00} with the finance charge being {$320.00}. In the written initial communication, I noticed several violations such as billing errors, reflecting an alleged debt owed in a positive balance, referring to the consumer in all capital letters instead of referring to the consumer as a natural person in proper spelling, charging the consumer unlawful charges outside of the finance charge. I also noticed that in the written initial communication, I was not given the proper forms and full disclosure about my right to rescind and my right to opt out of anything being reported to consumer reporting agencies. So, I sent a notarized debt validation letter on XX/XX/2021. TITLE MAX OF GEORGIA never responded which is another violation. Next, I sent a notarized cease and desist notice stating my demands based on the violations on XX/XX/2021 after receiving multiple calls from TITLE MAX OF GEORGIA attempting to collect a debt. On XX/XX/2021, I sent a notarized affidavit of truth with exhibits attached based on the same violations to TITLE MAX OF GEORGIA with a bill of particulars attached. On XX/XX/2021, TITLE MAX OF GEORGIA responded by sending me a letter stating that they received my notices but still believes that I owe this debt and attached a copy of the electronic agreement with " PAID '' written across the pages. TITLE MAX OF GEORGIA is willfully neglecting my consumer rights and the documents I have sent to them. All of these documents were sent via XXXX certified mail to the registered agent of the company. I have prepared a default and opportunity to cure to the company due to not responding in the time frame given on the documents.
Consumer complaint received 2021-12-24
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Sequium Asset Solutions, LLC (GA)

COMPANY REPORTED A COLLECTION ACCOUNT FOR {$130.00} on my credit report for an account that is not mines. They have refused to try and resolve this or remove this off my report. all they say is they cant talk with me because its not my account. I called and they hung up on me 5 times.
Consumer complaint received 2022-11-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022
Consumer complaint received 2022-08-31
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. (WI)

Certified mail was sent in XX/XX/2022 to all three credit bureaus disputing inaccuracies and incomplete information on my credit profile. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) if the FCRA- all information that is inaccurate, incomplete, unverified should he promptly deleted. These changes have not been reflected on my credit profile.

It is also my understanding that Under the FCRA 15 U.S.C 1681- every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect and or unverified of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completed deleted.
Consumer complaint received 2021-12-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc (MT)

I opened a Venmo account on XX/XX/2021 to pay a friend. That transaction went through just fine. 

On XX/XX/2021 the same friend needed to send me XXXX At that time I learned my Venmo account was XXXX. 

I contacted Venmo through email and received responses indicating that I somehow violated their user agreement, and to unfreeze my account I need to send them a copy of my government ID. 

They have given me no explanation as to how my account violated They also say they sent me an email on XX/XX/2021 stating this BUT I never received that email. 

At this point I NO LONGER WANT OR NEED A VENMO ACCOUNT I called this morning XX/XX/2021 to find out how I completely close my account. 
I spoke to XXXX and then a supervisor named XXXX who said they can only close my account if I unfreeze my account by sending my government id. 

I DO NOT WANT TO DO BUSINESS WITH THIS COMPANY AND HAVE XXXX FAITH IN THIS BUSINESS. 

I SHOULD NOT HAVE TO SEND A BUSINESS I DONT WANT TO DO BUSINESS WITH MY PERSONAL GOVERNMENT ID. 

I WANT MY ACCOUNT AND ANY INFORMATION ABOUT ME TO BE REMOVED FROM THEIR SYSTEM AND I SHOULDNT HAVE TO GIVE THEM MORE INFORMATION TO DO THAT. 

Thank you! 
XXXX XXXX
Consumer complaint received 2024-02-20
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I have consistently paid on time for this account, and that is making me extremely anxious to see the wrong late payment entries. I haven't failed in my commitment to paying on time. This error has a significant impact on my mental well being, affecting my sleep and my peace of mind. I'd like to request an immediate correction of my statement, and I hope you're aware of the urgency of the situation.
Consumer complaint received 2022-12-03
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. (FL)

In accordance with the fair credit reporting act XXXX  Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor my not treat a payment on a credit account under an open end consumer credit as late for any purpose.
Consumer complaint received 2024-02-20
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: Experian Information Solutions Inc. (TX)

I have no knowledge of XXXX Funding, I have no contract with them, nor do i even live in the same state this company is located. My first knowledge of this company came when they surprised me by placing two collection accounts, XXXX unknown account for {$390.00}, and another unknown account number XXXX, for {$1300.00}, on my experian, XXXX XXXX XXXX credit report. 

These are allegedly charged off accounts, purchased by this debt buyer, but being reported with late payment histories, which doesnt even make sense. None of the information is even accurate, reporting different date of last payments, or in the case of experian, no date of last payment even recorded. All violations. 

I've had no contact prior to this. I was never sent any notice of debt, by phone, or mail. Or given any time to dispute. violation. 

I disputed the account with all XXXX bureaus, multiple times, and after notifying the credit bureaus about the multiple violations committed by XXXX, they continued to report the account, and failed to update the status to in dispute within the 30 day timeframe. another violation. 

After continuing to dispute this unknown company and the negative marks on my credit report, I challenged XXXX XXXX to validate the debt, they did not provide such documentation. Which makes sense, since why would a company who cant provide validation of this scam debt, follow FCRA Regulations. This is another violation. Instead of removing the scam accounts, they doubled down, and just closed them. I thought that was the end of it, but today XX/XX/XXXX, they reopened the account on my credit reports. with the " original '' dates for the account opening they claimed.
Consumer complaint received 2023-02-23
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. (GA)

Im submitting a complaint to you again today to inform you I was the victim of identity theft. the accounts I am disputing today for the erroneous accounts in my report and I need them removed immediately, Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts which do not belong to me or were opened without my permission. US DEPT OF EDXXXX XXXX .... Balance : {$92000.00} US DEPT OF EDXXXX XXXX .... Balance : {$880.00} XXXX & XXXX XXXX XXXX XXXX {$520.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$360.00}