davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-28
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)

XXXX, XXXX AND XXXX ARE IN VIOLATION OF THE ( FCRA ) AND ( HIPPA ) THEY HAVE INFORMATION ON MY CREDIT REPORT THAT IS NOT MINE. 
ITEMS NOT MINE : XXXX XXXX/NOT MINE XXXX -- XXXX XXXX XXXX/NOT MINE XXXX XXXX XXXX XXXX/XXXX/NOT MINE XXXX -- XXXX XXXX/NOT MINE XXXX -- XXXX/NOT MINE XXXX -- XXXX XXXX  XXXX/NOT MINE XXXX -- XXXX   XXXX XXXX/NOT MINE XXXX -- XXXX/XXXX/NOT MINE XXXX -- XXXX/XXXX/NOT MINE XXXX -- XXXX/XXXX/NOT MINE XXXX -- XXXX XXXX XXXX/XXXX XXXX -- U.S. DEPARTMENT OF EDUCATIOND/XXXX XXXX XXXX -- US DEPT OF ED/XXXX/NOT MINE
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX Account Number : XXXX
Consumer complaint received 2024-03-11
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. (CA)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review
Consumer complaint received 2023-03-09
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

After I got my credit report, I reached out and asked the credit bureaus to check to make sure all information reporting was complete and accurate according to 15 USC 1681i.

I waited 30 days and never got any kind of response and here is my tracking number XXXX XXXX XXXX XXXX XXXX XXXX  It's now been more than 30 days since then.

Another thing that troubles me is that they didn't even record the current status of the disputed information!

This is very aggravating because I now take care of my household and my mother 's household since she's XXXX now and Equifax has been holding me back from obtaining a vehicle to get my mother where she needs to go because according to the law Equifax is doing its job.
Consumer complaint received 2023-02-07
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. (FL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2019-11-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: GREAT LAKES (OH)

I have been a XXXX for 13 years now, and I have been counting on PSLF. I was absolutely lied to by loan servicers over the years about being on track for forgiveness. It is beyond disgusting that the federal government is not being accountable for consumers like me who were deliberately lied to about all my years of payments. How can congress sit by and do nothing?!?!?
Consumer complaint received 2021-08-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (NY)

Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC
Consumer complaint received 2023-02-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: KEYCORP (OH)

I have a checking account with Key Bank. I had a debit card attached to it ending in XXXX. From XX/XX/XXXX to XXXX of XXXX, a company withdrew funds from my account without my knowledge. They were monthly charges for {$16.00}. Because I don't use this account and because I have a line of credit, this constantly overdrew my account and my line of credit covered it. The bank is claiming I had to notify them within 60 days of 'errors ' on my account. These were not errors ... this company stole from me. It is theft and fraud. If you so a search online, other people have been scammed or defrauded by this company as well. I believe I am protected from instances of fraud and would like to be refunded.
Consumer complaint received 2022-04-16
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. (GA)

In accordance with the Fair Credit Reporting act XXXX account # XXXX, XXXX  Account # XXXX XXXX  Account # XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX  XXXX Account # XXXX XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX  ) Account # XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXX XXXX  Account # XXXX XXXX ( Original Creditor : FL XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX ARS Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXXXXXX 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
Consumer complaint received 2021-04-20
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. (FL)

I submitted a complaint against XXXX XXXX, XXXX, and XXXX XXXX using CFPB case number XXXX. 

It has been over 30 days. XXXX XXXX sent documentation that they are removing their inquiries but they are still on my credit report. XXXX and XXXX XXXX  have not responded, according to the law they have to remove this from my credit report. They have not validated the inquiry.
Consumer complaint received 2023-10-18
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (IL)

I previously paid off balance of {$2200.00} and was told by XXXX of Comenity BankXXXX XXXX XXXX XX/XX/XXXX  that I owed no more money and my account was at XXXX, and I asked that my account be closed out. Today I received notice that I now owed {$40.00} in interest charges. 
I had a hard time again getting through to a live person at Comenity Bank but was able finally to speak to XXXX earlier today. XXXX said XXXX was not able to see the charge of {$40.00} on the screen. How come? Is this going to keep happening? 
XXXX then put the payment through using my checking account and said he is not charging me the {$9.00} fee. XXXX said today that once that payment of {$40.00} goes through in 48 hours, my account will be at XXXX, and there will be no more finance or interest charges. I asked him for a letter in this regard, and he said he will be sending me one. I reiterated that once the {$40.00} goes through my bank, there will be no more finance or interest or other charges, and XXXX confirmed this. I am filing this complaint to be sure that is the case.
Consumer complaint received 2024-03-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report.

I am formally requesting the blocking and deletion of these accounts.

It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.
Consumer complaint received 2023-02-07
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MI)

XXXX I asked Experian to investigate the closed Department of Education accounts, the closed XXXX XXXX account, the closed XXXX account, the three closed XXXX XXXX XXXX accounts. These accounts are not 100 % accurate and have negative and derogatory marks reported to my credit report. Experian did not investigate nor do a proper investigation. My rights are violated and these accounts need to be deleted. I'm providing tracking information and credit report showing multiple errors.
Consumer complaint received 2023-10-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (NJ)

I received a letter from the court at my job at XXXX. The payroll department sent me a letter stating that I will be paying XXXX dollars a week for 4 weeks that will be deducted from my pay due to a fraudulent credit card that is being charged to me. I have never owned a credit card through XXXX XXXX.
Consumer complaint received 2023-07-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

I paid my Bank of America credit card on XX/XX/XXXX and I was failed but also it disappeared there is no transaction about it and was charged {$35.00} late fee this month XX/XX/XXXX XXXX paid {$100.00} to my account and it went three like normal. When I check my credit card on the app today XX/XX/XXXX XXXX shows payment failed and late fee of {$40.00}. I had no idea the payment failed and it was through their own app my debt is with Bank of America. I even had auto payments setup earlier this year and they still where finding a way to charge me fees
Consumer complaint received 2022-04-15
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. (VA)

In accordance with the Fair Credit Reporting act XXXX  Account XXXX # XXXX XXXX XXXX  XXXX Account Number XXXX, XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number XXXX XXXX Account Number XXXX XXXX Account Number XXXX XXXX Account Number 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
Consumer complaint received 2019-08-07
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. (GA)

I went to my bank and the lady there talked me into applying for a loan to get a new car. I thought maybe this is a sign that I need to just go ahead and get a new car especially after having car trouble. They called me back and told me I was not approved. I went and pulled my credit and there are some items that are not mine. XXXX XXXX XXXX  XXXX FEDLOAN XXXX XXXX FEDLOAN XXXX XXXX XXXX XXXX XXXX. I am doing this on my own and have reached out to the FTC and to my local police department.
Consumer complaint received 2024-03-11
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. (NJ)

I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error. The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. A computation error or similar error of an accounting nature of the creditor on a statement. As I know the creditor didnt notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof from the creditor bank account that I didnt pay and was marked late because this clearly a billing error. The items below should all be updated to paid as agreed on my consumer report. XXXX XXXX  Late payments incorrectly reported between XX/XX/XXXX, XXXX late payments incorrectly reported XX/XX/XXXX, XX/XX/XXXX, XXXX and XX/XX/XXXX, XX/XX/XXXX, Bank XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. As a consumer by law these accounts in this letter must be updated immediately because Ive been violated. Consumer laws 15 US Code 1681a, 15 U.S Code 1681s-2 Responsibility of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. You are also in violation of 15 US Code 1681a 2 ( A ) ( i ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s-3 of this title, any report containing information solely as to transactions or experiences between the consumer and the person making the report.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX Account Number : XXXX
Consumer complaint received 2023-02-07
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. (GA)

I reviewed my report and i see that i had two late payments on this account that i was never late for. Consumer Reporting Agencies have a vital role and responsibility to report consumer information to the best of their ability and maximum Accuracy. I have never been late on payment for the account XXXX XXXX XXXX XXXX. Please investigate and provide proof with statements showing that these payments were late. if proof can't be provided i demand this account be removed.
Consumer complaint received 2023-07-17
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION (KY)

My wife works as a XXXX  XXXX with Fifth Third Bank and is very fearful of reporting this issue, for fear of retribution to her and her position. Fifth Third owns a title co called XXXX XXXX XXXX and for many years, loan officers were forced to use XXXX for all refinances and if they did not they were written up for not following procedures. This does not follow the federal guidance that allows the borrower to choose a title co. Most borrowers do not know who to use or how to shop it and so they usually ask the loan officer who to use and the loan officer at Fifth Third is only allowed to use XXXX. They are required to disclose XXXX fees and have no other option to show the borrowers. XXXX fees are higher than many other title companies. They tell their loan officers in the training that most borrowers on refinances will not shop and will just go with whoever the bank discloses on, so this is very very deceptive to the consumer. This practice had been halted for about 3 years and the loan officers were not forced to use XXXX, but just recently, they put the rules back in place and the loan officers are forced to disclose XXXX again and not allowed to suggest any other co, when fifth third and the loan officers know that XXXX is fully owned by fifth third and they know the borrower will just go along and not shop it. THIS IS DECEPTIVE INFORMATION TO THE BORROWER and Fifth Third is banking on the consumer having little knowledge of the industry and to just " go with it '' and fifth third will make the fee income off the title insurance since the market is down and they are not making as much money from loans as they have in the past couple of years.
Consumer complaint received 2019-08-06
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: DISCOVER BANK (MI)

Discover Student Loans On Saturday XX/XX/XXXX, I received a phone call at XXXX about my missed payment. I believe that is outside of hours that a company should be calling about a missed payment. I called Discover at XX/XX/XXXX to stop calls and only communicate by email or regular mail. I was told OK. 

Then today XX/XX/XXXX, I have now received 4 phone calls. I resorted to scheduling a payment to stop the calls. On happened while I was with a doctor for my child. 

This constant harassing about a payment at most two weeks late is too much.
Consumer complaint received 2023-02-07
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: Experian Information Solutions Inc. (NY)

Difficulty filing a dispute online with XXXX XXXX they are repetitively reporting in accuracy is displayed on my credit reporting that needs to be fixed or removed immediately displayed
Consumer complaint received 2023-07-17
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. (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. 

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 2022-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DigniFi (TX)

I WAS NOTIFIED BY EMAIL OF A PROMOTION AND EVENTUALLY CALLED BACK WITH THE THOUGHT OF XXXX DOWN IF USING MY CREDIT AS A ASKED MULTIPLE TIMES ON THE PHONE... SHE SAID NO YOU WONT HAVE TO PAY NOTHING IF APPROVED AFTER BEING PERSUADED BY FALSE WORDING FROM HER SHE RAN IT WELL AS THE CREDIT WAS RAN I WAS ONLY APPROVED FOR XXXX THE SALE REP WORDS WERE " OHHH NO I DIDNT KNOW I THOUGHT IT WOULD POSIBBLY PAY ALL '' AFTER SAYING IT WOULD I OPTED OUT AND NEVER USED CREDIT AND CALLED ON A LATE FRIDAY THEY SAID IT WOULD BE REMOVED STILL NOTHING INTIAL EMAILS ATTACHED