davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

To Transunion, Thank you for your response regarding my dispute. However, I am disappointed that your response did not address the issue that I raised in my original complaint. My concern was regarding the misleading information on your website and the unauthorized payment attempt on my credit card, not the credit monitoring product that I enrolled in. 

I would appreciate it if you could provide a more thorough response to the concerns that I raised in my original complaint. Specifically, I would like a response to the following : What measures has TransUnion taken to ensure that similar incidents do not occur in the future? 

What is the status of my dispute regarding the inaccurate information on my credit report? 

What steps is TransUnion taking to ensure that the information on your website is accurate and not misleading? 

Why is the site not showing my credit information and what is being done to fix this matter? 

I understand that these are important issues that require time and attention to resolve, but I respectfully request that you provide a timely response to these concerns. As a consumer, I have the right to accurate and complete information about my credit report, and I expect TransUnion to take this matter seriously. 

Thank you for your attention to this matter, and I look forward to hearing back from you soon XXXX XXXX
Consumer complaint received 2020-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (RI)

Experian refuses to address a valid credit scoring mistake they have made in conjunction with my loan at XXXX. Experian has refused to accept my documentation showing the error and now has set up a number of cumbersome obstacles to resolving this matter in a fair and honest way. Experian Report # XXXX for XX/XX/XXXX would not honor my request or a portion of it based on limited information. I have provided Experian all relevant information regarding a fraudulent report of credit reporting from XXXX. XXXX claimed that I did not pay my mortgage on XX/XX/XXXX when in fact their own statements show that I made the payment. However, XXXX chose to place my funds in an " unapplied funds '' account without explanation or notification. I have made several attempts and provided documentation regarding this " error '' or intentional fraudulent credit report on many occasions yet Experian continues to deflect, obstruct and obfuscate the matter in some attempt to avoid responsibility. 

I paid the mortgage payment on time and XXXX has of yet to acknowledge the payment or correct the problem. In addition, Experian has failed to thoroughly and fully investigate why XXXX provided them false statements about the credit report and instead has refused all of my attempts to correct this matter and address the error in credit reporting in my file. The attached documentation clearly shows my payment and XXXX and Experian 's fraudulent scheme of credit reporting. This is illegal, immoral and should be punishable to the greatest extent of the law.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-06-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Recovery Services, Inc. (OK)

This company, XXXX XXXX, is claiming they conducted tests on me that were never serviced. I have been charged for XXXX tests that I never received, and have since been sent to collections. This was back in 2020, up until now, I was unaware that these charges could be disputed. They never attempted to call me and I was anaware that these charges existed until they showed up on my credit report. 

According to my collections I owe {$660.00}. This is the case I am looking to dispute as I have never received the services that this company is attempting to charge me for. I had an aweful experience with them on my initial interaction, and decided not to have treatment or service with XXXX XXXX. I never went in for testing or any additional services or appointments.
Consumer complaint received 2024-02-17
Product: Credit reporting 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. (IL)

have not been able to get a updated credit report or score for 15 to 18 months, also my free subscription has also not updated and they only show my old credit score from over 15 months ago. I called them they said its nothing they can do. whats going on?
Consumer complaint received 2020-06-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (ME)

I have called Navient XX/XX/2020, XX/XX/2020, XX/XX/2020. They have used my Social security number and birth date to get XXXX XXXX 18 loans. Navient sent me to the Fraud department they want me to file a fraud report, but as I was speaking to a woman from Navient on XX/XX/2020 her response was Navient made a huge mistake and it's a serious one. I said yes it is. So I made the report on XX/XX/2020 I spoke to a XXXX from the Fraud department with no other identifying information, he refused to take the report number and state police reporting number which is XXXX and his name is XXXX XXXX. I told him what the lady had told me about how Navient made this huge mistake. And I did not think it was fraud at all. This woman does not know me, I do not know her and there is absolutely no way for her to get my information. This debt totals XXXX dollars. XXXX placed me on hold and put me on with a manager of Navient which she was laughing when she answered the phone s her and XXXX talked before she got on the phone. I explained that carrying out illegal actions is not funny! She refused to work with me as well. I told them I had spoken to an attorney. She told me that Navient took XXXX XXXX 's name off my social security number and birth date and placed mine on this debt. I advised her that this was illegal to do. A loan or server can not just take someone's name off a debt and put someone else 's name on it! Period! This is a legal document you have to have consent or wrote out another loan and go through the process. What Navient did by taking XXXX XXXX 's name off a binding document and placing my name on it is extremely illegal can't happen that way. Thus has caused so much damage to my life. But XXXX XXXX is getting a free education by the looks of things. But not on my watch.
Consumer complaint received 2022-05-15
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: GOLDMAN SACHS BANK USA (MN)

I recently received a XXXX branded credit card from Marcus : by Goldman Sachs in the mail. It was mailed to my name, but to my parent 's address. It also included a card with my mother 's name on it. I have not lived at this address or used it as a mailing address since I XXXX  college in XXXX. While I was in XXXX, I did have a XXXX card ( shared on an account with my mother ), but it had been cancelled around XXXX. I have received no notifications of this account being active or in existence since this time. I discussed this with my mother who also had no knowledge of the account being open. I called Marcus : by Goldman Sachs to discuss why I had received a card that I did not apply for or authorize. They told me the card was sent because they took over the XXXX XXXX program from another financial institution ( I believe they stated it was XXXX XXXX ). They claimed this account was on the list of active accounts they received from XXXX XXXX. They would not provide any other information. I asked them to close the account, but they refused, stating that I was not the primary card holder ( even though both cards were sent to my name and there was no indication of my mother 's name except on the additional card that was included ). I feel they reopened an old, previously closed account without my ( or my mother 's ) consent. I have since asked my mother to call and close the account. I feel that this is an unauthorized account opening and Marcus : by Goldman Sachs is opening closed accounts without authorization. I work hard to keep my credit score pristine and feel that unauthorized actions like these are damaging to it.
Consumer complaint received 2022-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX 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
Consumer complaint received 2020-08-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (FL)

On XX/XX/XXXX, I received a deposited check into my checking account for the amount of {$14000.00}. This deposit was made by a known friend of mine and cleared the bank. On XX/XX/XXXX, my account showed the new deposit was available. 
Beginning XX/XX/XXXX, I began using a portion of the deposited funds to make purchases and payments. On XX/XX/XXXX I noticed that my debit card for the account was no longer working. I tried to access my account online and was not able to log in. I first got in touch with a customer service representative at SunTrust Bank " Now Truist '' on XX/XX/XXXX. They informed me that all 3 of my personal checking accounts were frozen and being investigated by their prevention & loss fraud team. 
As of that date, I was told that they would be looking into the matter for 5 business days and would determine after this point if they were closing the accounts. They informed me that the investigation could last 5 business days, the closing of the accounts would be 10 business days and that I would ultimately receive my funds, if they owed me any, at 7 to 10 business days after the first two processes were complete. 

It has been 17 days since this began and I have still not been given a specific reason as to why this is happening. I have spoken with countless customer service representatives at SunTrust Bank and they all tell me that it is being investigated by their internal fraud department. I have also spoken with the Branch Manager, XXXX XXXX, at the XXXX, GA location. ( XXXX XXXX XXXX XXXX, XXXX GA XXXX ) She has attempted to escalate this up with no solution. 

I have been a customer of Suntrust myself for almost 10 years and one of the accounts has been in our family since XXXX. I understand that they say this is their policy and can freeze accounts without warning, but I have yet to see any letter informing me of this. I have been given no answers specifically to what caused the freeze. I can only assume it is the check that was deposited on XX/XX/XXXX. I have also had the endorser of the check and their bank confirm that it cleared. 

I have searched online and this seems to be common practice from SunTrust Bank and it is an unfair practice to not give any information to the customer.
Consumer complaint received 2020-08-10
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: EQUIFAX, INC. (AR)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} XXXX XXXX XXXX {$260.00} XXXX XXXX {$75.00} XXXX XXXX XXXX {$140.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANRUPTCY DISMISSED XXXX {$0.00}
Consumer complaint received 2015-06-17
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (OK)

Under current federal law, the XXXX credit reporting agencies are suppose to let you review you credit report annually. I have tried for XXXX years and I always get various online replies from the XXXX agencies that they can not process my request or that I have already requested a report. It seems like if you do n't buy their additional credit products they refuse to give the consumer their free credit report as required by law.
Consumer complaint received 2020-08-10
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. (AR)

I went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. XXXX XXXX {$510.00} XXXX XXXX   XXXX {$7500.00} XXXX XXXX {$800.00} XXXX XXXX  XXXX {$670.00} XXXX   XXXX {$3800.00} XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX {$560.00} XXXX XXXX {$570.00}
Consumer complaint received 2020-08-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. XXXX XXXXXXXX {$510.00} XXXX XXXX   XXXX {$7500.00} XXXX XXXX {$800.00} XXXX XXXX  XXXX {$670.00} XXXX   XXXX {$3800.00} XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX {$560.00} XXXX XXXX {$570.00}
Consumer complaint received 2020-06-17
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: M&T BANK CORPORATION (MD)

Date : XX/XX/XXXX Name : XXXX XXXX XXXX, XXXX Address : XXXX Fletchwood XXXX XXXX MD XXXX XXXX XXXX Mailing address : XXXX XXXX XXXX, XXXX, MD XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX PA XXXX XXXX  : XXXX  disclosure department, XXXX XXXX XXXX, XXXX, Ga XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX To whom it may concern : I am writing to dispute the following information in my file : Account # : XXXX Open : XX/XX/XXXX Balance : XXXX High Balance XXXX Payment : XXXX Account Home Loan. 
Premises address : XXXX XXXX XXXX XXXX XXXX Md XXXX XXXX  XXXX XXXX XXXX Account identifier District XXXX account number XXXX My then wife with the help of the women batter center in XXXX , Md file a file XXXX charge of XXXX against on the compliant file my XXXX XXXX XXXX . I was XXXX  and XXXX, I was order to never return are put one foot on the property are I would go the Jail. This was XX/XX/XXXX, on XX/XX/XXXX I was found not quite of all charges since they were made up away, but the damage had been done I had lost everything including my current job. I file a lawsuit against my employer for wrongful termination and won. All the creditors came after me filing garnishments and I was already paying back child support by garnishment. I had know other course but to filing a ChapteXXXX XXXX. Now by credit is suffering because of a lie five years later.
Consumer complaint received 2020-08-10
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. (AR)

I received a letter in the mail that I had filed for bankruptcy sometime last year. I was shocked on why I was receiving the letter. I didnt think much of it and I thought it could of just been a mistake. Then I received another letter stating the same thing. I then quickly began to believe my identity had been stolen. I started to investigate a little more and I pulled my credit for myself I saw accounts that i never open and several bankruptcies are not mine. Please remove all these fraudulent accounts from my credit report. XXXX XXXX  XXXX {$0.00} XXXX XXXXXXXX XXXX {$510.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}
Consumer complaint received 2020-08-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I received a letter in the mail that I had filed for bankruptcy sometime last year. I was shocked on why I was receiving the letter. I didnt think much of it and I thought it could of just been a mistake. Then I received another letter stating the same thing. I then quickly began to believe my identity had been stolen. I started to investigate a little more and I pulled my credit for myself I saw accounts that i never open and several bankruptcies are not mine. Please remove all these fraudulent accounts from my credit report. XXXX XXXX XXXX {$0.00} XXXX XXXXXXXX XXXX {$510.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}
Consumer complaint received 2021-06-01
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. (OH)

Its been over 6 months and per tracking ( investigations have been received ) I started my investigation on XX/XX/XXXXI contacted the companies reporting these accounts and no information was given on the accounts. The accounts are unauthorized to the collection agencies and I do NOT owe these companies and per 15 USC 1692 Law no information given. I have not heard back from you in over 30 days since my formal written notice of disputed dated XX/XX/ and since you have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX Mo XXXX XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.
Consumer complaint received 2020-08-10
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: EQUIFAX, INC. (NC)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX {$5800.00} XXXX XXXX XXXX {$4300.00} XXXX XXXX XXXX {$14000.00} XXXX XXXX XXXXXXXX {$64000.00}
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IN)

In accordance with the Fair Credit Reporting Act, I hereby request a thorough investigation into these items and their subsequent removal from my credit report. It is my understanding that you will verify these items with the respective creditor. Any information that can not be verified by the creditor should be promptly deleted. I am aware that you are obligated, under 15 U.S.C. Sec. 1681i ( a ), to complete this reinvestigation within 30 days upon receipt of this letter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: GULF COAST COLLECTION BUREAU, INC. (FL)

I checked my credit score and realized my score went down significantly from nearly perfect credit and I had no idea why. I then requested a credit report to see what happened and it said I had a collection from XXXX XXXX XXXX. On XX/XX/XXXX I called the number thats provided from the bureau. A man spoke with me from XXXX XXXX XXXX XXXX and I informed him that I never received any bills in the mail or any phone calls saying I owed anything so how was I supposed to know? He stated if I paid it my credit score would go back up once it was reported to the bureau. I paid it which was only {$110.00} dollars but I now have a collection on my record and my credit score never went back up and the collection is still there. I never received anything in the mail or any notice about this debt whatsoever I had to find out after the damage was already done. The worst part is I was told if I paid the {$110.00} it would get off my credit report but has yet to do so.
Consumer complaint received 2020-08-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I was a victim of Identity Theft, I submitted an ID THEFT AFFIDAVIT and POLICE REPORT in regards to the fraudulent accounts that have been listed in my name ... per Section 605B, these accounts should BE blocked and or removed during the investigation process, yet all 3 bureaus continue to report these items furthering the damage already done to my financial future.