davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX does not want to take responsibility for fraud on my account after i placed a fraud alert for money hacked and stolen and they did not do anything about it. XXXX even sent me a letter stating if my account was ever compromised they would tranfer my funds to another account suspiciously months prior to the theft as if they already knew it would happen and still never did anything at all and left my account like that. I did not recieve anything in the mail from them. They are liars and owe me money. Their employees are theives.
Consumer complaint received 2021-04-05
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICA FIRST FEDERAL CREDIT UNION (NV)

My vehicle was taken and sold in auction amerca first credit uniou refused to give me proof of what the vehicle sold for and how they came up with the remaining balances. I asked for the aiction statments and i javnt recived any information
Consumer complaint received 2021-04-05
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: CITIBANK, N.A. (TX)

On or about XX/XX/XXXX I summited a dispute regarding a negative account reflected in my credit report. This account is listed as DSNB/Macys account # XXXX the reporting party " DSNB '' noted that the account was verified and and current status is now charged off. DSNB has failed to respond to my numerous disputes regarding this fraudulent account. This account does not belong to me nor did I give consent for this account to be created. Furthermore, DSNB continues to report this account as belonging to me which has caused me great hardship financially. DSNB has failed to respond to my inquiries related to the validation of this account and has not provided me any factual information to help me determine where this account came from so I can file a police report. ( Consumer Report # XXXX as of XX/XX/XXXX )
Consumer complaint received 2021-04-04
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)

I sent a dispute to the credit bureaus about a collection ( XXXX XXXX XXXX XXXX XXXX name and have not received a response back or any results
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions.

I insist on the removal of all utilization data from the mentioned accounts.

Therefore, I request and demand that you remove these accounts from my file within 30  days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts.

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
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: Experian Information Solutions Inc. (SC)

In accordance with the Fair Credit Reporting act. The consumer reporting agencies has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 : States I have the right to privacy.

15 U.S.C 1681b ( 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 2021-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: ERC (MD)

XX/XX/2021 A derogatory mark on my credit report per XXXX Upon further research, this account was transferred/ and or sold. And I am no longer responsible for the account. Debtors creditor did not verify this collection. Also there was NO written form of communication, contact or a handwritten signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRA, ( collection agency ) has violated my rights as a consumer and Im requesting legal action to delete this account immediately.
Consumer complaint received 2024-03-22
Product: Credit reporting 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 am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within XXXX  days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2021-04-04
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: TRANSWORLD SYSTEMS INC (MD)

The issue is University Accounting Services XXXX UAS XXXX https XXXX XXXX  and their refusal to provide XXXX tax forms and/or help with resetting a login to access online. This results in my inability to complete our taxes since I can not access the UAS student loan XXXX tax form for the loan we paid this loan off in XXXX of XXXX. I repeatedly through XXXX tried to get into the systems and could no longer login with any combination of my son 's or my information ( they changed their systems XXXX. In XXXX repeated calls were made and waited on hold for 90+ minutes with no answer only to be hung up on at their XXXX XXXX close of business. After each UAS call hang up in XXXX repeated emails were sent and left unanswered. I need our XXXX tax forms!!! In all the emails I included our physical address change effective XX/XX/XXXX needed to be changed for our loan for tax forms.Other tax forms from ALL other service providers all arrived from XXXX but not UAS. The servicing of this loan has been a DISASTER, customer service up through XXXX was horrible and consistently laced with misinformation and now in XXXX refusing to help provide required tax forms or help correct access to their systems so customers can get them online. I need HELP to get my taxes done!!
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-12-20
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

BANK OF AMERICA Account # : XXXX Balance : {$9200.00} Gap insurance was placed on this vehicle at purchase. The insurance company confirmed to me that a payment was made to Bank of America. So this debt is inaccurate and unlawful, because it does not display the balance was paid off Via my gap insurance policy. 

Bank of America wrote my repossessed vehicle as a loss, and proceeded to report it on my credit report for going on 2 years. Even though the claimed amount was payed off via the gap insurance purchases when I leased the vehicle. A negative balance is showing on my credit report and it is inaccurate and false. These derogatory remarks on my credit report have impacted my getting a job, housing, and a vehicle. severely impacting my quality of life. I have filled over XXXX disputes with the company to remove information from my credit report and they have not. Just recently I discovered my Gap insurance policy and was notified it had indeed been paid, and Bank of America have been deceiving me and the credit reporting agencies for almost 2 years.
Consumer complaint received 2021-04-04
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (IN)

I applied for a loan in XXXX to refinance a house with Amerisave. There were constant delays and multiple requests for the same paperwork which I submitted. Finally in XXXX, more than 6 months after I was preapproved, XXXX XXXX advised due to all the new employees, my entire application was corrupted and they were not able to fix the issue so they were going to return my {$500.00} application fee. This has cost me thousands in extra finance charges due to their delays and I still have not received the refund. Now I am not able to get them to respond to my calls or emails and it's been over 4 months since I was supposed to receive my refund.
Consumer complaint received 2021-04-04
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. (CA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-04-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc (FL)

Hunter warfield inc has a collection on my credit report on behalf of The XXXX at XXXX XXXX for the amount of {$3100.00}. All of my balance owed had been paid years ago and I do not owe any money, to the XXXX at XXXX XXXX. I have attatched an email from the XXXX XXXX XXXX XXXX stating my account with them was settled and that they did contact Hunter Warfield to clear the account. Additionally in the documentation from Hunter Warfield it specifically says " ok by corporate to waive termination fee and removed from collections record ''. The final statement date provided by Hunter Warfield is from XX/XX/2017, XX/XX/2017 is when the XXXX reached to rectify this issue so it is clear Hunter Warfield has not updated the account on their end and has made NO effort to make an update. No money is owed and I request that Hunter Warfield due their job and obtain an updated record from the preserve and have this be removed from my credit report with tXXXX XXXX XXXX XXXX immediately. 

-- -- -Original Message -- -- - From : XXXX XXXX XXXX XXXX To : XXXX XXXX Sent : Mon, XX/XX/2017 XXXX XXXX Subject : Collection acct.  correction Good morning XXXX XXXX, As per our conversation this morning this mail is to confirm that we have addressed Hunter Warfield about your account clearance, and today again I emailed the client service at Hunter Warfield to get a confirmation letter releasing the account from collection as per approval from our Regional XXXX. We have corrected your account and waived the termination fee. Respectfully, XXXX XXXX Assistant XXXX The XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (NC)

Citibank Home Depot is reporting a late for XX/XX/20 and XX/XX/20 and I ask that they be removed. Due to Covid and the unforeseen events surrounding what would happen to my workplace I have been severely financially impacted. I have been a loyal customer and ask that they please remove these late notations from my credit file. I have done my best to try and stay current and be a good customer, but I have necessities that I had to pay. I ask that Citibank makes a goodwill adjustment for these lates.
Consumer complaint received 2021-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

i have paid XXXX XXXX  XXXX XXXX over {$1700.00} over a month and a half ago on XX/XX/21 paying off the balance and they have not reported the drop in balance keeping my credit score lower than it should, i paid, on the same date XX/XX/21 i paid over {$2000.00} dollars on XXXX credit card and they also refuse to report the drop in balance keeping my credit score lower then in should be, i also paid off every balance on all 4 capital one credit cards includeing walmart/cap one and they have refused to report the drop in balance, also on sync care credit payed balance in full and NO REPORT in balance drop ALL these cards in question have reported according to XXXX  and XXXX XXXX and all show balance when there are none! ... .i have contacted them all on 2 occasions each with no update with accurate account balances keeping my credit score low ... and you should note i am Native american and feel i am being fisciminated against to deliberatly keep my credit lower then it should be ... i hsvnt missed or had a late payment on ANYTHING in over 5 years ... .please help me
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 2023-02-03
Product: Credit reporting, credit repair services, 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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Please assist with fixing my credit report, see below response from a creditor, they advised that they are unable to pull my TransUnion credit report due to the file being too long, they advised that TransUnion can consolidate and correct. Please see below response from the creditor. 
Hello, It appears that we are unable to pull your credit with Transunion due to your credit file being too long. If you can please get in contact with Transunion so they can consolidate and correct or give us permission to pull credit with XXXX. 

Thank you, XXXX XXXX Loan Consultant XXXX # XXXX Email : XXXX XXXX p : XXXX ext XXXX
Consumer complaint received 2021-04-06
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: SYNCHRONY FINANCIAL (DC)

This is a follow-up to a complaint made on XX/XX/XXXX concerning PayPal Credit, XXXX XXXX, XXXX XXXX XXXX, XXXX, and Synchrony Bank. I provided documents showing that I had a credit account with PayPal Credit and another account with XXXX that was used to shield my bank accounts and/or other credit cards. Neither XXXX account involved a physical credit card ever. A credit card was never issued to me. Synchrony Bank wrote to advise me on XX/XX/XXXX, that it would become the owner of my PayPal Credit account as of XX/XX/XXXX. I was unconcerned about that action because I had paid my PayPal Credit account in full as of XX/XX/XXXX and did not intend to use it for anything more. I started getting billed in XX/XX/XXXX for XXXX rides that I had not charged. XXXX always served as a pass-through agent to retrieve funds from my bank account to pay any vendor. Synchrony Bank did not provide records of those transactions done before XX/XX/XXXX and chose to address both accounts as if they were singular. XXXX needs to address how the accounts became morphed into a single account. Synchrony Bank responded to my complaint by providing information to my PayPal Credit account # XXXX. My complaint is about XXXX account number XXXX. XXXX attached copies of billings to the XXXX account, which was used for credit and was paid in total XX/XX/XXXX. However, as I complained before, the account ending XXXX was not a credit account and the funds came directly from my bank. XXXX did not clarify why they sent a letter to me on XX/XX/XXXX, stating the PayPal Credit account would be funded by them, instead of XXXX Bank, as of XX/XX/XXXX. XXXX XXXX XXXX claim to have bought the XXXX account, but Synchrony Bank claimed to have sold account # XXXX. There were two accounts : one was credit and one was a transfer agency account that was paid by my bank through XXXX. XXXX 's explanation is woefully inadequate and needs further investigation.
Consumer complaint received 2017-05-11
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: EQUIFAX, INC. (VA)

XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   VA  XXXX  #  XXXX  dob  XX/XX/1962     XXXX , Equifax and  XXXX  will not delete the unauthorized inquires on my credit.     The investigation has been over 60 days and still they have not been deleted.     the list of unauthorized inquires has been attached DELETED THE UNAUTHORIZED INQUIRES FROM MY REPORT
Consumer complaint received 2021-04-05
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. (MN)

The open date on each account has different months on it, which is no possible way the accounts were opened on 3 different days. Collection/chargeoff account showing balance and that's violation under FCRA.
Consumer complaint received 2021-04-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK (TX)

Discover card is claiming I had an account with them and they charged off {$12000.00} in 2017. 
I never had any account with Discover card. I have asked Discover to send me proof showing this card account is mine. My original application form to start this account, transaction history etc. I have been writing back forth with Discover card for more then one year and 3months.So far they have not given any proof to me. I have written letters to IRS, Attorney General, XXXX XXXX and Consumer Response center to resolve this problem. Again, So far Discover card is refusing to give me any proof. If they do not have any proof, they should admit their mistake and give me a cancelation of this claim and the 1099 they have send to IRS. 
Please contact Discover Card division and solve this problem. 
I have the copies all the correspondence which I have mentioned above. 
Thank you.
Consumer complaint received 2021-04-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Adler Wallach & Associates, Inc. (CA)

On XXXX / XXXX 2021 I had challenged AWA Collections to provide validation proof of a debt that was shown on my credit report. As to repose of the company # XXXX. They closed the claim on the CFPB with agreement of closing the account and removing it from my credit report.. As XX/XX/XXXX XXXX my credit report reported to me that AWA Collections did not honored the decision that they stated on CFPB portal. And continue to damage my credit score in the 3 major credit bureaus.
Consumer complaint received 2021-04-05
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc. (IL)

Experian ( XXXX. XXXX  XXXX XXXX, TX XXXX ) is reporting information on my credit report without my consent or acknowledgment this and a few other infromation need to be removed from XXXX XXXX credit report XXXX XXXX  {$2500.00} Closed 2 charge-offs Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Rental Agreement Balance on XX/XX/XXXX Loan Amount {$2500.00} {$3700.00} Payment Info Status Charge-off Status date XX/XX/XXXX Past due amount - Original loan amount {$3700.00} Monthly payment - Late payments XX/XX/XXXX XX/XX/XXXX XXXX XXXX View more XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 30 60 90 120 120 CO CO - - - - XXXX - - On Time CO Charge off XXXX Days Late 30 Days Late 60 Days Late 90 Days Late - Data Unavailable Additional info Responsibility Individual Terms 30 Months Company sold - Original creditor - Comments - Your statements - Contact XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail.