davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Over 30 days ago I sent TransUnion a letter disputing that the information they have reporting on a car loan by XXXX XXXX is showing inaccurate. TransUnion is showing me being late 60 days when In fact there was never a late payment on this account. TransUnion is showing the wrong open date of XX/XX/2017, the wrong high balance of {$89000.00} and is not showing the paid off amount of {$86000.00}. Experian is showing the account as paid but all three bureaus are showing different balances and open dates. TransUnion seems that they are not in any hurry to fix this problem! So I reach out to the Finance Company that I paid the loan off with which is XXXX XXXX XXXX XXXX, and ask them to provide me prove of payment and all data of the transaction of payment with my signature attached. This information provides all the proper data to support my claim.
Consumer complaint received 2020-02-10
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (MI)

Was XXXX with an extremely XXXX XXXX XXXX XXXX XXXX in 2012. My XXXX XXXX tore at my XXXX. I filed for my loans to be forgiven. Sent in all my paperwork. And was denied because they said I didnt have enough time being XXXX. 
I had 2-2.5 years of back pay, and a letter that stated another 2.5 years on XXXX for a total of 5 years. The loans should have been dissolved but I again was denied. 
I have had multiplayers forbearances because thats what was offered, but never trying to work with me. I only make XXXX a month and have XXXX children. And this ONE thing, student loans, are killing my livelihood, I cant use my degree because Im XXXX, and you guys want a magical XXXX from thin air, meanwhile are hurting my family because I am on automatic decline due to this issue! I would like some help please, no I NEED some help please!
Consumer complaint received 2022-12-18
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. 

Account name : XXXX. Account # XXXX Account name : XXXX Account # : XXXX Account name : XXXX  XXXX Account # XXXX Account name : XXXX  XXXX Account # XXXX Account name : XXXX Account # XXXX Account name : XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX  Account # XXXX Account name : XXXX XXXX  Account # XXXX Account name : XXXX XXXX  Account # XXXX Account name : XXXX XXXX XXXX Account XXXX XXXX Account name : XXXX Account # XXXX Account name : XXXX XXXX Account # XXXX Account name : XXXX XXXX  Account # XXXX Account name : XXXX XXXX  XXXX Account # XXXX Account name XXXX XXXX Account XXXX XXXX Account name : XXXX  Account # XXXX Account name : XXXXt Account # XXXX Account name : 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 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 2022-12-18
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. (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. 

Account name : XXXX. Account # XXXX Account name : XXXX Account # : XXXX Account name : XXXX  XXXX Account # XXXX Account name : XXXX  XXXX Account # XXXX Account name : XXXX Account # XXXX Account name : XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX  Account # XXXX Account name : XXXX XXXX  Account # XXXX Account name : XXXX XXXX Account # XXXX Account name : XXXX XXXX XXXX Account XXXX XXXX Account name : XXXX Account # XXXX Account name : XXXX XXXX Account # XXXX Account name : XXXX XXXX  Account # XXXX Account name : XXXX XXXX  XXXX Account # XXXX Account name XXXX XXXX Account XXXX XXXX Account name : XXXX  Account # XXXX Account XXXX : XXXX Account # XXXX Account name : 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 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 2018-07-17
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: PNC Bank N.A. (NC)

Again, PNC engaged in fraud and predatory behaviors. Why was I given onerous terms and how did I not get better terms for my mortgage loan? Again, PNC has refused to provide any information regarding similarly selected applicants who received loan. PNC is a criminal organization and should be investigated for their loan practices to XXXX XXXX. I sincerely believe I was treated differently and was discriminated against due to my race. After all this time and delays, the response from PNC was quite dismissive and plaIn wrong. Their response is clearly a non-response and is unacceptable.
Consumer complaint received 2022-06-04
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. (CA)

In accordance with the fair credit reporting act XXXX account # XXXX Reference 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 an account without my written instructions.
Consumer complaint received 2022-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

Upon viewing my credit reports and I noticed DEPTEDXXXX ( XXXX ) had a discrepancy in the Date Opened, last reported, last active, and date of last payment section of the listing. XXXX are reporting date opened XX/XX/XXXX However XXXX is reporting date opened XX/XX/XXXX. If this the same account, reported by the same creditor how are these numbers different? XXXX are reporting last reported XX/XX/XXXX. However, XXXX last reported XX/XX/XXXX. If this the same account, reported by the same creditor how are these dates different? XXXX are reporting last active XX/XX/XXXX. However, XXXX last reported XX/XX/XXXX. If this the same account, reported by the same creditor how are these numbers different? XXXX are reporting date of last payment XX/XX/XXXX. However, XXXX date of last payment XX/XX/XXXX. If this the same account, reported by the same creditor how are these numbers different? Because of this, its apparent neglect in ensuring everything on my report is accurate, consistent and up to date please DELETE these items immediately. Upon viewing my credit reports and I noticed USDEPT ED/ ( XXXX ) had a discrepancy in the Date opened, account status, payment status, last reported, date last active, date of last payment section of the listing. XXXX are reporting date opened XX/XX/XXXX However XXXX and Experian is reporting date opened XX/XX/XXXX. If this the same account, reported by the same creditor how are these numbers different?. Experian are reporting account status Paid. However, XXXX and XXXX account status is derogatory. If this the same account, reported by the same creditor how are the statuses different? XXXX are reporting payment status Late 120 Days. However, XXXX and Experian date opened Collection/Chargeoff. If this the same account reported by the same creditor how are these payment statuses different? XXXX are reporting date last active XX/XX/XXXX. However, XXXX date last active XX/XX/XXXX. Experian, last active date XX/XX/XXXX. If this the same account, reported by the same creditor how are these dates different? XXXX are reporting date of last payment XX/XX/XXXX. However, XXXX date last reported XX/XX/XXXX. Experian, last reported XX/XX/XXXX. If this the same account, reported by the same creditor how are these dates different? XXXX are reporting date last reported XX/XX/XXXX. However, XXXX date last reported XX/XX/XXXX. Experian, last reported XX/XX/XXXX. If this the same account, reported by the same creditor how are these dates different? Because of this, its apparent neglect in ensuring everything on my report is accurate, consistent and up to date please DELETE these items immediately.
Consumer complaint received 2022-06-04
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. (AL)

In accordance with Fair Credit Reporting Act, XXXX, trans union, XXXX have violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. Account : XXXX XXXX XXXX XXXX ACCT # XXXX & ACCT # XXXX According to the 15 U.S.C. 1681 Section 602 states I have the right to privacy.

15 U.S.C. 1681 ( a ) ( 5 ) states that no consumer reporting agency can make any consumer report containing any of the following items of information or any other adverse information other than records of convictions 15 USC 1605 states that the finance charge is the sum of all charge, no such thing as late payment, REPORTING DELIQUENT/NOT FACTUAL 15 USC 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose REPORTING DELIQUENT/NOT FACTUAL 15 USC 1681 section 604 a section 2 ; states a consumer reporting agency can not furnish an account with my written instructions 15 U.S. Code 1692d - Harassment or abuse ; A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt 15 U.S. Code 1692b ( a ) ( 2 ) Failure to do a proper investigation, Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall bot state that such consumer owes any debt, 15 U.S. Code 1681d A person may not procure or cause to be prepared an investigative consumer report The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer w/a written request or through mail ( failed to do so ) 15 U.S. Code 1681d ( a ) ( 4 ) no consumer reporting agency shall not prepare or furnish an investigative consumer report on a consumer that contains information that is adverse to the interest of the consumer and that is obtained through a personal interview with a neighbor, friend, or associate of the consumer
Consumer complaint received 2022-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

You are reporting this collection as an OPEN ACCOUNT which is not under the FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed.
Consumer complaint received 2022-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

I received my consumer report and all my personal information is wrong Correct Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-10-10
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. (CA)

On X/XX/2017 I mailed a correspondence to FIRST XXXX XXXX XXXX XXXX XXXX ) due to the fact XXXX was reporting a debt ( alleged account number truncated from credit report XXXX ) and outstanding balance of on my credit report, which is completely in error and false. My correspondence was received by XXXX on X/XX/2017 per XXXX XXXX number XXXX XXXX XXXX XXXX XXXX and signed for by a representative of XXXX per the return receipt received by me ( XXXX XXXX XXXX. The reason for this correspondence was to have XXXX cease and desist reporting to the credit bureaus until this alleged debt can be lawfully verified. I provided 30 days to XXXX for a response ; it is well past 30 days with no response from XXXX. I have attached a copy of this correspondence in this complaint to ensure that it is on record that XXXX did receive my correspondence twice, one in the mail and one through this complaint. According to my credit report this item/account was most recently reported on XXXX XXXX, 2017 well after receiving my correspondence, so XXXX apparently has decided to ignore my correspondence but continue to report false information on my credit file. If XXXX continues to violate the law, I will pursue litigation and seek full damages for the injury they have caused me and continue to cause me by defaming my name and character.
Consumer complaint received 2022-06-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (CA)

They will not allow me to use the money they have in my Venmo account. They need to verify my identity ( fine ) - but I have submitted my documents for this TWICE ( once in XXXX, once in XXXX, XXXX ). I have the confirmation emails that they have received them and are processing them and it will take 2-3 days. However, they never process them. The chat and phone assistants cant help with this, but promise to escalate the problem to a back office that has no time frame for resolving it and no way to contact them directly. 

I want my money that they are holding ( only {$66.00} at this point, and rarely do I have any in that account, but earlier this year it was {$100.00} - MY money that I couldnt use because they refuse to do what they say. 

AND I want to be able to use Venmo as it was designed in the future without wasting HOURS of my time trying to get them to do what they said they were doing months ago, Companies who hold peoples money should not be able to hide behind theres no way to reach us directly only our frontline assistants who cant help. 

I am FURIOUS that this has taken so long to resolve and that their company is so unapologetic about not dealing with it. ( Because it doesnt effect them. ) No business should be able to operate like this.
Consumer complaint received 2022-04-15
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)

This account is not mine but is reflecting on my credit report with Experian. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  They are illegally furnishing data on my consumer report that one is not mine or i dont remember opening these accounts. i never gave Experian any verbal or written consent to report anything on my consumer report. no consent is identity theft. so they are violating law 15 U.S. Code 1681b i am personally writing to them with help of my lawyer that is telling me to gather all this information to file lawsuits to the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins. selling my information to third parties.
Consumer complaint received 2022-06-03
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: ALLY FINANCIAL INC. (GA)

" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"
Consumer complaint received 2022-04-15
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: Early Warning Services, LLC (NC)

Early Warning Is still reporting fraudulent information. They have deleted and blocked this information over a 1/2 a dozen times. They have reinserted it illegally. The law 605B of the fair credit reporting act tells the CRA very specifically what they need to do with the claim of identity theft. Part A states they have to block within 4 business days of receiving the information from me. B tells the CRA they must notify the furniture sure of the information that the block was requested and that they blocked it. C is the most important section of this complaint. Its early warning breaks the law because C only gives them 3 reasons to rescind or decline a block. 1. Error. 2. Materially false info. 3. The CRA has proof that goods or services were received from the blocked transaction. None of these 3 things exist or valid, so when early warning removed the block they rightfully placed to begin with, they are IN FACT, breaking the law. XXXX has never responded to my complaint here because they know they are lying. Early Warning simply believes XXXX lies. I will include early warnings last 2 acts on this account, only two days apart. Also 605B of the FCRA, The notarized police report and id. All 4 parts of the law i need to provide.
Consumer complaint received 2022-06-03
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. (IL)

I was a victim of Identity theft. Per Fair Credit Reporting Act Section 605B ( a ) ( 2 ) you are required to remove any unauthorized inquiries which was opened without my knowledge, consent or authority. The following inquiries need to be removed as they are fraudulent. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX EXPERIAN Inquiries 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 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
Consumer complaint received 2022-06-03
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. (IL)

I was a victim of Identity theft. Per Fair Credit Reporting Act Section 605B ( a ) ( 2 ) you are required to remove any unauthorized inquiries which was opened without my knowledge, consent or authority. The following inquiries need to be removed as they are fraudulent. 

EQUIFAX Inquiries : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-18
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I am demanding the deletion of public record the bankruptcy that is currently reporting with your company as you are. not able to verify the accuracy of this information. If you can verity this account, please forward me the appropriate information, In accordance with the Fair Credit Reporting Act EXPERIAN has violated my right 15 U.S.C.1681b 602 A States I have the right to privacy 15 U.S.C. 1681 SECTION 604 A Section 2 A consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: City Enterprises, LLC (TN)

This vehicle was voluntary surrendered XXXX or XXXXXXXX XXXX XXXX in the height of Covid 19. The vehicle was sent to a repair shop of the XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. Pace Financial was aware of this. The truck was a death trap, shouldve never been sold to a consumer, previously wrecked vehicle. The truck was sold at an auction and since has been charged off! However I never received any info regarding the remaining amount and pace is reporting a different amount to the credit bureaus every month. The amount and information on my credit report is inaccurate.