davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-19
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: Experian Information Solutions Inc. (IN)

I am unable to log in to my account and unable to get hold of a human being when calling customer service. Experian will not connect me with a live representative except under " certain circumstances '' but the automated bot will not explain what those circumstances are. There is potentially incorrect information on my account and my only recourse is to place a freeze on the account ( which Experian allows despite not requiring me to prove who I am when I call in ). In other words, their service is insecure and simultaneously unusable yet they have a massive impact on my ability to rent, secure loans, etc.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

According to FCRA 605B, it is obligatory to eliminate any inaccurate accounts from my credit report. Can you please verify the documents? Certain accounts listed are incorrect, and it's causing me distress.
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (FL)

Attn CFO : NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information CB/EXPRESS it has come to my attention that you illegally reported my information to unaffiliated 3rd parties without giving me my disclosures.

Pursuant 15 USC 6802 you are required by law to give me 3 disclosures I have checked all documents from your institution given to me and none of these documents contained any of the required disclosures pursuant 15 USC 6802 ( b ).

( b ) OPT OUT ( 1 ) IN GENERAL financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

I am herby requesting all above disclosures required by Federal. 

Delete this account from my consumer reports immediately.
Consumer complaint received 2023-03-14
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. (GA)

I never authorized such actions and this constitutes a violation of my rights under the Fair Credit Reporting Act 604. I have contacted the companies and the actions were initiated without any proof of the companies reporting. The inquiries are not factual since I never authorized them.
Consumer complaint received 2022-09-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: U.S. BANCORP (AZ)

I submitted a complaint about a sham account being opened by us bank that was closed stating the it was resolved. This has not been resolved. I was hit with a hard inquiry and sent a credit card that I never applied for. US bank was just recently fined for these exact actions. I did not apply for the card nor did I approve a credit inquiry. The inquiry hit my credit report on XXXX and then I received a card which had my check my report on XXXX. I prefer if this was not closed until the matter is resolved. 

THIS IS NOT A DUPLICATE COMPLAINT! THIS IS NOT A THIRD PARTY SUBMITTING ON MY BEHALF!
Consumer complaint received 2019-12-03
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (CA)

On or about XX/XX/2019 I paid my Synchrony car care bill online ($28.00) through my Bank of America account.  On XX/XX/2019 I received an email from Synchrony indicating that they had not received my payment and my first thought was “XXXX” because I knew that I made the payment online.  I went home and logged into my account and discovered that I posted the payment to another one of my Synchrony account and I immediately called Synchrony and spoke to XXXX.  She informed me that she was able to transfer the payment to my car care account and that the late fee would automatically be waived because they could tell when the payment was made.  On XX/XX/2019 and XX/XX/2019 I received additional emails indicating that my payment was still past due.  Today (XX/XX/2019) I logged into mysynchrony online account to find out the amount of my XX/XX/XXXX payment and that is when I noticed that it indicated my payment was showing past due in red and once again I called and spoke to XXXX.  XXXX  told me that the payment was not transferred even though XXXX  told me that my payment was being transferred.  I told her that I did not have any faith in Synchrony and had problems with them in the past and was fearful that they would report this information to the credit bureaus erroneously.  I also told her that if it was not fixed today that I would file a complaint with the regulatory agencies because Synchrony has received my payment on time and is now playing games and harassing me about making an additional payment for $XXXX. At that point XXXX told me that she was going to transfer my call to a supervisor to get it fixed for me today and placed my call on hold.  A gentleman answered and stated that he was from Lowe’s and could not assist me and the call was terminated.
Consumer complaint received 2022-12-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (WV)

The issue I have in my case is pretty straight forward. On XX/XX/2022, I requested that my former loan service provider, XXXX XXXX, refund my student loan payment ( s ) that I made during COVID and to reopen my loan balance so that I could apply for the Temporary Public Student Loan Forgiveness ( TPLSF ) Program. The total amount I paid was {$26000.00}. This closed out my student loan balance at that time. This closed out my student loan balance at that time. The payment was processed on XX/XX/2022 by XXXX XXXX, which is the first date that one could request a refund of a payment. 

Under the rules of the COVID Relief and what not, borrowers are allowed to request their loan payments made during COVID even if it paid the balance in full. I also filed my TPSLF at the time I made the request to have my COVID payment ( s ) refunded to me. 

I made this request not only via email, but over the phone and I also sent a certified letter ( I have all of my documentation, including the return receipt ). I followed up with XXXX XXXX at the end of XX/XX/2022 and was told that my payment had been reversed ; and, therefore, my account had been transferred to AidVantage  on XX/XX/2022. 
To date, I have heard NOTHING. I never received a closeout letter from XXXX indicated that the new balance was transferred to AidVantage and certainly nothing from AidVantage. I never recieved a payment either of the refunded payment amount. I tried to contact XXXX XXXX and there is no way to contact them. 
I have several screen shots from my XXXX XXXX account when it was still a viable entity, but they completely wiped out my account at a certain point so that none of my history was located in the account. 

I have tried to contact AidVantage repeatedly and they have no record of me. This is getting utterly frustrating and there is no way for me to fix this issue without filing this complaint b/c I seem to be lost in the abyss. 

Attached please find a copy of the certified letter I sent XXXX XXXX back in early XXXX asking for the refund to be processed well within the timeline required. I also believe I have emails from XXXX XXXX when I sent the requests via email as well ( that they did not ever respond to ), but I would have to locate them. I also attached a couple of additional supporting documents to better support my position. 

PLEASE SOMEONE HELP!
Consumer complaint received 2023-11-27
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. (IL)

I do not recognize these hard inquiries, they appear to be fraudulent, the names of these inquires are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (IL)

I have tried to set up auto pay twice so I can receive the 25 % discount w/o success ; I have receipts showing that I attempted to set up auto pay and auto pay has yest to be set up! 
there was a previous complaint against nelnet and nelnet has not replied! they are completly failing to respond... 
this is the previous unanswered complaint # XXXX
Consumer complaint received 2023-03-14
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. (IN)

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. 

XXXX : # XXXX # XXXXXXXX XXXX XXXX XXXX  : # XXXXXXXX XXXX XXXX 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.
Consumer complaint received 2023-03-14
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. (NY)

I had credit card cancelation dept with XXXX XXXXXXXX XXXX and I had recive 1099 c form and reported to my tax return as year XXXX in XX/XX/XXXX and till this day haven't being removed from my all cridet card beuro and I had being submitted more than requested to Transunion, XXXX to being investigated and remove from my record having being romvoed till this day and still effected my credit score and I can't apply for buying home.
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Westlake Services, LLC (GA)

I was a returning customer to US Auto sales at XXXX XXXX XXXX, XXXX, GA XXXX. I traded in my previous vehicle being a XXXX XXXX XXXX in for a XXXX XXXX XXXX on XX/XX/XXXX. At that time I purchased a 2 year car warranty to be included in with my car payment. As of XX/XX/XXXX It was notified that US. Auto went out of business. We were told to pay Westlake Portfolio. I was told that i had to pay this company from now on for my future car payments. I was unaware of any information that had been sent to this company with all my personal information. I had not given consent to US Auto to give any of my information out. I was told by Westlake Auto that if i did not pay them, then my car would be reposed. I requested on several occasions for a contract between myself and westlake. I was told that they did not have a copy of it. At one point i was told that my old contract did not matter and that i needed to pay them. I was told that they had power of attorney over all US Auto accounts. XXXX car was reposed on XX/XX/XXXX. My lien holder is listed as US Auto not Westlake. On my credit report it is listed from US Auto as being closed and paid off. Then its listed that i have an account from Westlake Portfolio with amounts and the purchase date as the date that i purchase my care from US Auto, not Westlake. This entire ordeal has been a nightmare from XXXX. I've lost sleep, had XXXX and suffered from XXXX due to all of this. I am a single mother of XXXX kids and they came and took my car from me and wanted me to pay more money in order to get my car back. US. Auto breached my contract that i had with them, as well as not upholding my warranty that i purchased. I am requesting to have BOTH accounts removed from my credit due to the inaccuracy of information report to the credit bureau as well as my personal information being given to a company that i do not have a signed contract with nor listed as my lien holder. I have my original contract that i signed on XX/XX/XXXX with US Auto. I do not have any other contract that i signed nor agreed to pay for the vehicle that was taken from me. It has cost me a great deal of money, loss of sleep and pain to go through what i have been going through. This is terrible. The amount that is reported from westlake as my monthly payments is incorrect as well as the balance that was due. It is reporting on my credit as a repossession from Westlake and a monthly payment of {$550.00}.
Consumer complaint received 2023-03-14
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)

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.

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-03-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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. The following are the accounts that I wish to remove from my credit report : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX DEPT OF EDUCATION/XXXX  Account Number : XXXX DEPT OF EDUCATION/XXXX  Account Number : XXXX DEPT OF EDUCATION/XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-03-15
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. (PA)

According to FCRA 605B, it is obligatory to eliminate any inaccurate accounts from my credit report. Can you please verify the documents? Certain accounts listed are incorrect, and it's causing me distress.
Consumer complaint received 2019-12-03
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: General Motors Financial Company, Inc. (MN)

My truck was taken sometime during the night of XX/XX/XXXX-XX/XX/XXXX, it was dragged down my driveway leaving marks, hopefully the truck is not damaged, I attempted to make payment on the loan on XX/XX/XXXX but was unable to do that because the system was not allowing me to. I contacted XXXX XXXX via email to notify him I would call him on Monday XX/XX/XXXX to make a payment he responded asking if I would call him XX/XX/XXXX I told him I was unable to as I was working XXXX-XXXX  that day, I take full responsibility for the payment being behind but I have made late payments many times in the past and only once in XX/XX/XXXX did I receive a notice to cure the default which I did. I spoke to GM employee # XXXX on XX/XX/XXXX from the recovery department that stated GM sent me a notice to cure in XXXX. I am very good at checking my mail and would never have ignored such a notice, I never received XXXX. I was told you have until XX/XX/XXXX to recover the vehicle, as the gal was so nice as to put a ten day hold on the vehicle, dont they have to give you a chance to get the vehicle back anyway? I take full responsibility for the past due amount of XXXX which I can pay. 
Then another XXXX for the repo and storage fee. I cant pay that, I questioned them why they would cause such a hardship on someone who is already struggling to make payments when I had an agreement with XXXX XXXX to make payment on XX/XX/XXXX I was told that GM doesnt accept email as a form of communication. Well then why was XXXX XXXX responding to me via email. I need my vehicle back for transportation to work, I work two jobs but have only been able to get a ride to one so Im losing income and that XXXX is my XXXX payment which I would not be able to pay if I have to pay the fees which should never have happened. As well today is day two since they took the vehicle and I do not have a statement from them explaining the whole process nor one with a right to cure the default before this happened.
Consumer complaint received 2019-10-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: TransferWise Ltd (MD)

Beginning, XX/XX/XXXX, a Woman who says her name is XXXX XXXX, claimed to have a company called XXXX. The websites are still up and she claims to sell Luxury Designer Brands. After a lot of manipulation and storytelling, I was invoiced for my first order. Her only means of payment was through the app called Transferwise or XXXX. Well, after a month, and placing several orders of which 4 of my friends committed to because they trusted me. It turned out to be a HUGE fraud scam and I've been desperate to get Transferwise to help. They refused, time and time again. My credit union/bank said they couldn't do anything, they've even dropped the ball on two chargebacks where I used my debit card and can file it for items not received. XXXX was the only ones who showed some sort of decency so far and told me that XXXX XXXX XXXX XXXX should have done that first! Now, we are talking 18 days since I figured out this terrible person 's scheme and started this beg for money back. Worse, I've been accused of scamming and fraud until someone finally hears this crazy story. On, XX/XX/19, I called ( while standing in the managers office of XXXX XXXX -- per her request ) asking transferwise to send the money back to my bank but they said it was too late, it had released to the scammer that morning. They also stated that they do not get involved with disputes between buyers and merchants and users. After relentless emails, they asked me for information and I haven't heard anything since. To make matters worse, the woman closed my account and little did I know, you can't review your transaction history if it's closed. I'm being held liable for {$10000.00} of my friends money ( whom paid me through XXXX ) and trusted me since they didn't have Transferwise ( I only got it for this sole purpose! ). XXXX XXXX, the scam artist, received payments for 5 invoices through Transferwise ( of which pulled from my XXXX XXXX XXXX XXXX Checking account ) totaling, {$10000.00}. The total stolen to include XXXX transfers to her XXXX account is over {$14000.00}. Which is more than I originally thought! I've filed a police report, I've hounded XXXX XXXX, XXXX, and Transferwise. I've submitted it to the ic3.gov and other organizations. I've had my friends post about the scam on social media to hopefully protect others, but I'm desperate over here!! I've gotten no justice, no help and I don't have this kind of money. My friends banks didn't blink an eye to help them file chargebacks ( which they totally should since they didn't get any items ), however it looks like I'm the one with the most to lose and no one will do anything for me. Please help!
Consumer complaint received 2022-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OK)

XXXX XXXX XXXX XXXX Not Mine XXXX XXXX Not Mine XXXX XXXX XXXX XXXX XXXX Not Mine XXXX XXXX XXXXXXXX Not Mine XXXX XXXX XXXX Never late on this account XXXX XXXX  XXXX Paid/Never Late