davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-24
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: Experian Information Solutions Inc. (IL)

Hi I am submitting this XXXX 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 2022-05-24
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Unlock Wealth $ (GA)

I applied for the loan with Unlock WealthXXXX. To be approved I had to pay {$2500.00}. I paid the funds in XX/XX/2021 and was told that the loan payments would begin in 4 weeks. Months passed and I never received the loan. I requested a refund of my {$2500.00} and was told it was processing, but never received it after numerous emails. They do not have a phone number and has turned off the ability to comment on Social Media. I reached out to my bank ( XXXX  ) but was told too much time had passed to dispute it through them. I have never received the loan OR the return of my {$2500.00}.
Consumer complaint received 2022-05-24
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. I am maintaining a careful record of my communications with you for the purpose of filing acomplaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, 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. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible. Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days.This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g
Consumer complaint received 2022-05-24
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: EQUIFAX, INC. (TX)

Hi I am submitting this XXXX 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 Bum. 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 2022-05-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 transunion 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 Transunion. 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 Transunion more than 21 times. transunion 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 2022-05-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (PA)

NAVIENT. 
Originally qualified for Spousal Consolidation. Program eliminated in 2006. Can not qualify for PSLF, because this can not be rolled into a direct loan. Would have debt forgiven ( XXXX left of XXXX ) if I could qualify.
Consumer complaint received 2022-05-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sentry Credit, Inc. (GA)

I called today XX/XX/22. Ive received nothing in the mail about this and my only notice was it appearing on my credit on Monday XX/XX/22. I tried to reach an agreement with this company today as I am in the process of buying a home, and I need this removed from my credit to get approved. Unfortunately they could not provide me with anything in writing stating it would be removed from my credit if I paid it as it is not in their policy to provide that. 
I am more than willing to resolve this, if I wasnt I wouldnt have called them over 15 times today alone to try to resolve this only to reach their voicemail all but the last time. They must provide, in writing, that this debt is valid, and my right to dispute the debt if it isnt valid.
Consumer complaint received 2022-05-24
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: Experian Information Solutions Inc. (NJ)

On or about XX/XX/XXXX, my Experian.com account was " hacked '' by an unknown party. The hacker changed the login and all personal information on the Experian website making it impossible for me to access. On or about XX/XX/XXXX, the " hacker '' uploaded by credit report to themselves. On or about XX/XX/XXXX and XX/XX/XXXX, the " hacker '' applied for credit cards ; unauthorized inquiries were made with Experian and XXXX. With knowledge of my credit report and which credit cards that I had, the " hackers '' have spent the last two weeks calling my credit card companies, and in some cases, getting new credit cards sent to them at unknown and unauthorized addresses. In one case, the " hackers '' successfully used one of the cards at XXXX XXXX in XXXX XXXX New Jersey to purchase {$19000.00} of jewelry with the unauthorized cards. Upon learning of the " hack '' of Experian, i was able to get in contact with Experian, have them delete all the false information on my Experian account and re-establish internet access with Experian so that I could monitor what was going on with my credit. Yesterday, I attempted to gain online access to my Experian account. The password had been changed once again by the " hacker '' and I then clicked on the " forgot password. '' After entering personal social security number on the Experian site to get access, Experian advised that they sent a link to set up a new password to an unknown XXXX site that does not belong to me. Obviously, once again, the " hacker '' has illegally gained access to my account and changed the personal information. I have repeatedly called Experian and get a voicemail that does not allow me to speak to a person. There is no way to get in touch with Experian. How is a private company allowed to keep very vital personal information that can be used in very detrimental ways, and have such poor control over security that they repeatedly allow an unauthorized " hacker '' to gain access to my sensitive information that is used to my detriment. I asked them at the time of the first hack to safeguard my access carefully. Obviously, they did not. You should possibly investigate whether they should be allowed to keep such information without proper safeguards. Please contact them or advise me how I can call them and speak to a person who can help me. TIME IS OF THE ESSENCE, as the hackers are doing a great deal of damage to me, my family and my dental practice. Thank you.
Consumer complaint received 2022-05-24
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: Experian Information Solutions Inc. (NC)

In accordance with the fair credit Reporting act XXXXXXXX XXXX  ACCT # : XXXX, XXXX XXXX XXXX XXXX ACCT # : XXXX, XXXX XXXX XXXX XXXX  ACCT # : XXXX, XXXX XXXX XXXX  XXXX ACCT # : XXXX, has violated my consumer 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 a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-05-24
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I tried to dispute several accounts on my file 2 months ago and I did not get proper information and explanation back from the credit bureau. I have wrong previous addresses, several accounts that are not supposed to be late on or charged off and in collections. I am also requesting to Validate several accounts listed in the very detailed letter of explanation enclosed. So please see letter and don't ask for more information as this request is very detailed and complete. You-Transunion are not compliant because of the lack of detailed response my previous dispute asked for and should now delete all information I am dsiputing because of your failure to be compliant and follow the law.I will pursue litigation if you fail to delete this information outlined in the letter enclosed.
Consumer complaint received 2022-05-24
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Incomm Holdings Inc. (CT)

My wife 's wallet was stolen out of her pocketbook while shopping at XXXX. There was a {$500.00} Vanilla gift card in the wallet. Only {$35.00} was used of the {$500.00} when it was stolen. A police report was filed, and Vanilla Gift card was notified on XX/XX/XXXX with the information. I do not have the card number, but I do have the serial number, original packaging and receipt from the store where the card was purchased. I have sent this information twice to Vanilla. The case number they gave me is XXXX. I have contacted numerous times about this case number, and they refuse to give me the card number and the balance left on the card. The last time I contacted them was on XX/XX/XXXX still with no information being provide. I would like to know how much is left and see if can be recovered.
Consumer complaint received 2024-03-14
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. (TN)

Im submitting this complaint to follow up to you today, giving you a notice of my issue that I recently forwarded to regarding of being a victim of fraudulent activity. Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an XXXX XXXX  report with reference number XXXX. Again, please find the ATTACHED documents to assist in the removing of the erroneous personal information and inquiries which were being posted to my report. Here is the list of items which were opened without my permission : 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- -- -- -- -- TRANSUNION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX According to FCRA XXXX XXXX ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged fraudulent activity, not later than XXXX business days after the date of receipt.
Consumer complaint received 2022-05-24
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

XXXX XXXX still refuses to report correct information to the credit bureaus. This was never a collection account, It was an auto loan. It was NEVER sent to collections but yet its on my 3 credit reports as a collection. They claim their information is correct but yet they still lack to report the correct information to the credit bureaus. XXXX XXXX needs to fix this and stop saying its being reported correctly because that is false. The credit bureaus wont fix it either even though I have proof its not a collection account. All I want is the truth that it was NOT a collection, it was an AUTO loan, paid correctly and on time since XX/XX/2020. It was paid in full as of XX/XX/2020 and closed. Please see attached documents. Thank you for helping, I am trying to buy a home for my family and this is sorely hindering it to be able to do this. The account is almost 7 years old as well.
Consumer complaint received 2022-05-24
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. (TX)

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.

15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Consumer complaint received 2022-05-24
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX still refuses to report correct information to the credit bureaus. This was never a collection account, It was an auto loan. It was NEVER sent to collections but yet its on my 3 credit reports as a collection. They claim their information is correct but yet they still lack to report the correct information to the credit bureaus. XXXX XXXX needs to fix this and stop saying its being reported correctly because that is false. The credit bureaus wont fix it either even though I have proof its not a collection account. All I want is the truth that it was NOT a collection, it was an AUTO loan, paid correctly and on time since XX/XX/2020. It was paid in full as of XX/XX/2020 and closed. Please see attached documents. Thank you for helping, I am trying to buy a home for my family and this is sorely hindering it to be able to do this. The account is almost 7 years old as well.
Consumer complaint received 2022-05-24
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TD BANK US HOLDING COMPANY (MA)

Applied for a checking account online. Went into branch in XXXX, Ma with all required information. Was told by XXXX at the branch the account was opened and pending. Three days later he said it was frozen. Asked why. Never received a reason as to why. Called the corporate office and got no response. XXXX, the branch manager, would not provide a reason. She even refused to tell me who the regional manager was for TD bank.
Consumer complaint received 2022-05-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/2022 I checked my account online I saw my credit cards said restricted. I called Capital One and they said they no longer wanted to do business with me and terminated my account due to my non-compliance but they never specified over the phone or through email what exactly occurred I believe they violated my rights as a consumer.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I sent a letter on XX/XX/2024 to XXXX XXXX XXXX to opting out if my information being shared with any person, entity, or institution and to be effective immediately and indefinitely!!
Consumer complaint received 2022-05-24
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. (FL)

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. DEPT OF ED/XXXX  Account # XXXX, has violated my rights. DEPT OF ED/XXXX Account # XXXX, has violated my rights. DEPT OF ED/XXXX  Account # XXXX, has violated my rights. DEPT OF ED/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.