davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-12
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. (TX)

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. 

Account Name : XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXXXXXX 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 XXXXXX/XX/year> XXXX XXXX XX/XX/year> 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 2022-03-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX opened a Fraudulent Account in my name in the amount of XXXX on XX/XX/2019. This Account is a result of Identity Theft and I didn't Authorize this account to be opened.
Consumer complaint received 2015-08-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: First Credit Services Inc. (CA)

In XX/XX/XXXX I tried to cancel a gym membership at XXXX in XXXX XXXX because I moved out of state in XX/XX/XXXX. I followed all the instructions to cancel my membership, paid I paid a {$50.00} cancellation fee, a check for {$100.00} and {$79.00} for membership dues outstanding. All of these checks were cashed by XXXX XXXX, the financial company for XXXX XXXX. I also mailed a copy of my XXXX ID and a letter expressing my wish to cancel by certified mail as they requested. XXXX XXXX continued to send letters saying my account was past due. When I called to find out if they received my cancellation letter, they said my XXXX ID was not readable, and therefore they could not cancel my membership! In XX/XX/XXXX, I received a notice from a collection agency called First Credit Services, saying that I owed XXXX {$1400.00}. I ignored this notice, not realizing that this would turn up on my credit report and ruin my credit rating. This company is very disreputable and I made every effort to cancel my membership. I do not know what to do at this point but strongly dispute the claim that I owe them any money at all.
Consumer complaint received 2022-02-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (NJ)

On XX/XX/XXXX my debt card was denied at the store. The clerk told me the error message said fraud. I immediately tried to log into my bank app and was denied access. I called the customer service number on my card and was told my accounts were frozen and set to close by the demarketing dept. They said my relationship with TD bank was being terminated. When I asked why they said they didn't know and I should contact demarking. I called them XX/XX/XXXX @ XXXX. They ask to leave a voicemail and will return your call in 24-48 hours. I have left MANY messages and called customer service MANY times in the following days. On XX/XX/XXXX @ XXXX, I went into a branch ( XXXX XXXX NJ ). They told me the same thing but said they would email the demarketing dept. On XX/XX/XXXX, the branch called and told me again the same thing with no further details. When I asked what I am supposed to do next in regards to gaining access to my funds, I was told I would have to wait to receive a letter in the mail in 7-10 business days. It is now day 6 of me not having access to my funds. I can not pay bills or receive my paycheck because of my locked accounts. At the branch and on the phone with customer service ( fraud dept ) I expressed that I was concerned because my husbands account at XXXX XXXX was compromised and fraud was committed via XXXX. XXXX XXXX told my husband that it was user error however they would try to recover the funds that seem to have went to some TD Bank account. I asked if this could possibly be related since my husband is a signer on one of my 7 accounts. They were not sure. Today, XXXX, I called customer service and learned that on XX/XX/XXXX, the day my account was frozen, someone tried to set up a XXXX profile. It was NOT me. Again I have NO idea why my accounts were frozen, what to do next, why I wasn't notified that someone other than myself accessed my account, there was been NO customer service. Instead of helping me, TD Bank is just trying to cut me off and I did NOTHING wrong. I am extremely upset. My mortgage payment is due today and my credit card bill is due XXXX. I have no way of paying them or depositing my paycheck. Every penny is currently locked. My checking, savings, and my XXXX childrens accounts. How can TD Bank treat a customer like this? I have been a customer since I am XXXX XXXX XXXX and was an employee of this company. I am so disgusted and upset.
Consumer complaint received 2022-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

For years, I have been going back and forth with two credit bureaus and my oldest line of credit because it is not being reported on my TransUnion and my XXXX credit reports. This was not always the case, but it is and has been for years. Both TransUnion and XXXX say that the credit line is not being reported and I should contact the credit line to have them report it. I contact the credit line and they not only tell me via phone that they are reporting to all three major credit bureaus ( XXXX, TransUnion, and XXXX ), but they send me letters from the XXXX XXXX Department stating that their records indicate that they ARE reporting to all three. The most recent letter was sent XX/XX/2021. 

I have sent proof of that documentation on several occasions. I have called, opened a dispute online, as well as submitted documentation via mail showing them it is being reported. However, as time goes on, the credit line still does not appear on either TransUnion or XXXX. What is equally frustrating is when you call; you have an artificial intelligence agent that you have to go through just to get nowhere. They constantly tell you to go online to dispute. However, since a missing credit line is not one of the items listed to dispute, the website does not allow for you to submit documentation for that issue. 

Knowing that my oldest line of credit ( which is 25 years this year ) is not reported on TransUnion and XXXX is frustrating because I know that your credit history is a good portion of how they calculate your credit score. 

I am beyond frustrated with this whole system. I wish the whole credit reporting thing didn't even exist ( and I have excellent credit ). Since we are so heavily surveilled and we have become the product ( since our information is sold over and over ), the least TransUnion and XXXX can do is report ALL of my current, open, revolving credit lines. We did not ask to be a part of this game. But since we are, at least treat us fairly.
Consumer complaint received 2023-08-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (NJ)

Complaint is against the company that handles the XXXX discharge for federal student loans. XXXX XXXX XXXX, As of XX/XX/XXXX, those of us who are XXXX and receive XXXX XXXX XXXX and are reviewed every 3+ years were suppose to be able to apply for XXXX discharge. Note this is a change from the original rules which stated that you have to listed as having a review every 5-7 years. 

However, the website for the applications for XXXX discharge hasn't updated the online process. Their website was updated to say 3 years. HOWEVER, as soon as you start trying to submit online the second questions is " Does your XXXX notice of award state that your next scheduled XXXX review will be within 5 to 7 years from the date of your most recent XXXX XXXX determination? '' Also, their downloadable application also requires you to check a box that states 5-7 years between reviews, which is not in accordance with the new federal rules of XXXX  years. 

It doesn't let you proceed with a social security discharge if you answer no. This leaves those who are reviewed every XXXX years unable to apply for discharge, even though the rules allow us to as of XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I was taken advantage of due to mild practice. While several laws are being broken under the Fair Credit Reporting Act ( FCRA ) by your company. This has caused financial injury, and defamation of character. I can't get a job. I can't apply for credit. I can't even get a sba loan due to the pandemic under this crisis .You have hurt my ability to obtain credit.
Consumer complaint received 2023-08-01
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Global Lending Services LLC (TX)

Hello from XX/XX/XXXX - XX/XX/XXXX from XXXX until XXXX my consumer rights were violated when I visited XXXX of XXXX XXXX , not only did the sales person ( XXXX  XXXX ) make me wait XXXX hours to test drive a XXXX XXXX XXXX he also discriminated against me and said to me youre lucky im even working with you with the credit score you have ( he then stated my credit credit score aloud in front of the front desk attendant and 2 other customers and on to say ) Ive been doing this for XXXX  years I usually dont even deal with subprime credit like yours and this was said because I asked what was taking so long with getting the car from the back, to which I was not only offended, hurt and shocked but also aware of my ECOA rights which werent honored. I asked for the manager and the GM came to help me, he got my application for me and got me to a finance director who then gave me a loan approval and asked for {$4500.00} cash down. To which I objected and presented TILA and 15USC1605 to him and I got denied. He then asked me to use my girlfriends credit for the application on the car so I could possibly get better rates. In pursuant 15 USC 1602 The term credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment. Credit is my right and Im the one who regularly extends credit in the connection with loans. In pursuant to 15 usc1602 g I am the original creditor and I am well aware of my rights I know that reporting to the consumer reporting agencies is voluntary this is a private transaction and an unfavorable situation to me for the consumer nowhere in the term adverse action defined within the FCRA does it mention a natural person can be denied credit. As a original creditor it is not lawful to be denied my right to grant credit furthermore my credit was used and I received no benefit from the use of my credit. An inquiry popped up on my consumer report which means someone got paid for my credit and I received no benefit from it at all in fact damages were done from the denial of my rights mentally and financially. Ive been discriminated against as there are no federal laws that state a credit score can deny me of my right to extend credit I have in good faith exercised my right and I a natural person have been discriminated against as in pursuant 15 USC 1691.
Consumer complaint received 2021-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

On XX/XX/XXXX! I sent in letters to the following 3 credit bureau regarding my credit cause I was curious to where did they get the following information regarding a Bankruptcy that was places on the credit. I got a letter for all 3 credit bureau : Experian, XXXX, and XXXX  stating in a mail letter that the information was verified with XXXX XXXX. I reached out to XXXX seeing how was they able to verified a bankruptcy that's on my personal credit. A Rep name XXXX reference no. XXXX on XX/XX/XXXX stated that the information is inaccurate that XXXX never verified any information with any of the credit bureau. I was send a letter from XXXX stating the same information on the phone conversation with the Rep. XXXX. XXXX removed the following information from system.I have a letter that proof my conversation. I later contact the United States Bankruptcy Court of Northern District of IL. to asked if their company reports to the 3 credit bureau about my credit and they stated that they do not verify any information of the source. I was send out a letter on XX/XX/XXXX from Bankruptcy court supporting the conversation.A credit freeze was place on my credit from me in XXXXso can completed a reinvestigation with all 3 Credit Bureau regarding the inaccurate information of the Bankrupyvy reporting on my credit to get the same letter from Experian, XXXX, and XXXX stating that they verified the information again with all three credit bureau Experian, XXXX  and XXXX  reporting false and inaccurate information on my credit report and due that issue they has violated my rights according to the Freedom Foundation, a V Seiu Health NorthWest Training Partnership, a 501 ( c ) ( 3 ) Trade Secret Misappropriation Privacy Act of 1974 Violations 5 USC 552a Violations 31 USC 371 1 ( e ) Violations Public Records Act Violation Commercial Purpose Declaration 42.56.070 ( 8 )
Consumer complaint received 2022-04-16
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. (MA)

Dear Experian today is XX/XX/XXXX Case # XXXX I disputed by certified mail on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX the public records bankruptcy with the case number XXXX, date filed XX/XX/XXXX, because you are reporting false information on my credit report because this bankruptcy does not belong to me, and it belongs to someone else so please delete or remove this bankruptcy. 
Also, when you responded to me with no explanation about the investigation results on the following dates XXXX, XX/XX/XXXX, and XX/XX/XXXX with the results : ( UPDATED NOT SPECIFIED ) so how did you verify this bankruptcy so please delete this false information on my credit report because you did not investigate or verified any of my disputes and you did not send me any proofs, so please delete or remove this bankruptcy immediately. 

Rule 9037 of the Federal Rules of Civil Procedure requires the redaction of specific personal identifiers ( i.e., social security and taxpayer identification numbers, names of minor children, dates of birth, and financial account numbers ), from any unsealed documents filed with the US Bankruptcy Court.

Please follow the rule 9037 or 11 U.S.C. 9037 - Privacy Protection for the US Bankruptcy court public records personal information.

After all, you can not have my name, my full social security number, or my full date of birth to verify public records, therefore I will be atta
ching my Social Security Card to verify my first and last name so please delete this bankruptcy.

I attached 8 supporting documents including my identification and the US postal service certified mail with the tracking number please check.
Consumer complaint received 2022-02-01
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, 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 demanding to be deleted immediately Validate Account XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2016-08-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (FL)

I paid a collection account on XXXX XXXX to DIVERSIFIED CONSULTANTS IN located XXXX XXXX XXXX XXXX XXXX, FL XXXX. I have called 5 times within the past month to obtain proof that the debt was paid, I asked to please email me something the first couple of times I called so I can provide the information to the credit bureaus and information is updated, they told me THEY COULD NOT email anything ; however it would be sent regular mail, so I waited, and weeks later nothing came. This past Saturday XXXX XXXX, XXXX, I called once again and explain the situation, the representative told me " oh yes, I see you have called, there is nothing I can do but submit a request to be sent out '' this time I asked once again if the information could be email, and to my surprise he said the information could IN FACT be emailed, but it will be sent Monday Morning. Today is Tuesday, and I have check my email, junk mail repeatedly and nothing has com through. This is to formerly complain that this company continues to hurt my credit score as it shows the account is still open in XXXX. I have contacted them several times ( is on their records ) and to this date they keep giving me the run around and I am unable to provide XXXX with an actual document which states the debt has been satisfied. I already filed a dispute with XXXX explaining the situation, however the results were " not change '' meaning the account still shows open and it still has a balance. This company is failing to assist me and failing to provide information I have requested over and over again. My address was verified every time I spoke to them, lastly I provided my email and nothing.
Consumer complaint received 2022-02-01
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: Experian Information Solutions Inc. (FL)

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 demanding to be deleted immediately Validate Account XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2022-02-01
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: INTERFIRST MORTGAGE COMPANY (TX)

My husband and I started the mortgage refinance process with Interfirst Mortgage Company on XX/XX/XXXX. We spoke with XXXX XXXX XXXX XXXX XXXX at that time and rec 'd rate options, signed disclosures and submitted all the necessary documents for underwriting within the time range deadline provided of XX/XX/XXXX. We were provided an email XX/XX/XXXX stating that our initial loan application and documents were rec 'd and our file was now in underwriting review. 

We rec 'd no further correspondence from Interfirst Mortgage, so I emailed XXXX XXXX on XX/XX/XXXX, again on XX/XX/XXXX and again on XX/XX/XXXX. 

I called Interfirst XXXX times in the past two weeks with no return calls until I finally heard back from XXXX XXXX on XX/XX/XXXX and he was unclear on how to advise me on status of the loan. He stated he would have an underwriting manager call me and I have not rec 'd a call. I called Interfirst again today on XX/XX/XXXX and have not rec 'd a call back from XXXX 's supervisors / underwriting.
Consumer complaint received 2022-02-01
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)

On the date of XX/XX/2022 I sent a letter regarding misleading inaccurate and unknown things on my credit report to this day well over soon to be 45 days later I have not received a response yet. I feel like Im being taken advantage of, over looked and being ignored of my dispute. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to remove those items from my credit report immediately it has been over lawful time soon to be 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me.My information was also impacted by the EQUIFAX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-02-29
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. (LA)

I am writing to file a complaint regarding specific negative items reported on my consumer credit report. Upon reviewing my credit report, I have identified inaccuracies in the reporting of these negative items, which have adversely impacted my financial standing.
Consumer complaint received 2023-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AZ)

My US Dept of Education and XXXX XXXX all have been paid and closed on my credit report. The loans are closed but is reporting one negative payment missed. This is inaccurate information and affecting me negatively as Im trying to maximize my credit score and profile. These derogatory remarks from these old student loan accounts are creating numerous problems with my new reports I obtained. I just want them removed immediately off my credit report or to fix these inaccuracies payment history, so I can receive what I truly deserve for my credit report.