davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-26
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. (MS)

On ( XXXX/XXXX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-03-04
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC. (CA)

The following companys ran my credit for auto loans that I did not authorize. Someone in Montana tried to purchase a car with my identity. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALLY FINANCIAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 4th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX & Experian verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 3 representatives that told me that the  request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a XXXX XXXX, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX  & Experian back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. XXXX refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this bankruptcy & child support is mine. In addition to child support they are also reporting XXXX XXXX/XXXX XXXX XXXX and XXXX XXXX XXXX XXXX invalidly I have no contract with these creditors, these accounts are unverified and not mine so are reporting invaliding as well.
Consumer complaint received 2018-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IL)

I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 4th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how Equifax & XXXX  verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 3 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a XXXX XXXX, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call Equifax & XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. Equifax refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this bankruptcy & child support is mine. In addition to child support they are also reporting XXXX XXXX/XXXX  XXXX XXXX and XXXX XXXX & XXXX invalidly I have no contract with these creditors, these accounts are unverified and not mine so are reporting invaliding as well.
Consumer complaint received 2022-07-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: Bread Financial Holdings, Inc. (NC)

Today- XX/XX/2022, I called multiple times to get the status of a XXXX XXXX XXXX XXXX XXXX XXXX AND their store card applications I submitted over XXXX weeks ago.I was hung up on twice ; and when I asked to speak to a supervisor for the credit card application I was put on hold for 15 more minutes before being transferred to the automated system. The credit card agent could not find my application and said, because I cant find you in my system, you have been denied. The second agent ( for the store card ) said I would not be in their system until I am approved or denied. - Please note, again, that it has been over two weeks since I applied. - The XXXX XXXX XXXX XXXX website said to call to check the status of a credit or store card application. Federal law mandates if I am denied, then Comenity Bank/Bread XXXX XXXX issuers of these cards ) HAS TO GIVE ME A REASON FOR THE DENIAL. However HOW CAN YOU SAY I AM DENIED WHEN YOU CANT EVEN PULL UP MY APPLICATION? 

Very shady. You probably wont be able to even SEND me a denial letter since you cant pull me up in the system.
Consumer complaint received 2022-04-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 


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 2021-06-26
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF THE WEST (CA)

I just received a response from Bank of the West regarding my previous dispute their response to me was they returned the debt back to the bank and i am to contact them to work out a payment resolution thru the pandemic relief act, however after the response the collection account was removed from my account and Bank of The West reported the same credit card twice on my XXXX XXXX with the original opened and closed date and then again with the closed date and the dollar amount is off by a few dollars so they are now violating the Fair Credit Reporting Act by reporting the same debt twice,
Consumer complaint received 2018-08-15
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: FULTON FINANCIAL CORPORATION (MD)

Hi my father passed away XX/XX/XXXX. I was not listed on his bank accounts, nor his mortgage with the XXXX XXXX. This company froze the account on me today. They have been accessing the checking account, giving me balance information and withdrawing money to pay his mortgage each month since XX/XX/XXXX, including today, 5 min later they froze the account due to the federal privacy regulation. They've accessed and transferred {$440.00} each month since XX/XX/XXXX.
Consumer complaint received 2018-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ADIR INTERNATIONAL LLC (CA)

Company has placed incorrect info on XXXX Credit Report for XXXX XXXX as late. Late appears on XXXX   credit report twice as late for XXXX for same date i.e. XXXX XXXX. Filed Dispute with company and with XXXX  XXXX XXXX. Visited company Twice on Sunday XX/XX/XXXX and again on Monday XX/XX/XXXX.Spoke with Representative and agency indicated my account is not pass due for the month of XX/XX/XXXX. After several visits and phone conversations no positive results or correction or corrective action taken to Account. Filed a dispute with company XX/XX/XXXX and was told investigation into matter will be taken and I will receive phone call with results, but no call or results for more than 20-days.I was told I would be contacted at a later date and billing statement would be sent out within 30 to 45 day 's. Billing statement was sent out but mail was returned for bad address reported by company on XX/XX/XXXX. Late charge on report indicates after a attempt was made by mail for billing. Address is valid and has not changed. Called company for follow upon billing and company indicated some information for billing is or was wrong and placed by company. All attempts on my part as consumer has been exhausted and no other options but to file consumer complaint. Information for billing is still incorrect in system and I have made every attempt to correct this with company.
Consumer complaint received 2022-04-05
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DE)

I called Bank of America about a fraudulent account open in my name. I provide the account # on the statement that was mailed to me which I received via regular mail today, XX/XX/22. The fraud representative advise he could not close the account with out me providing personal information to which I declined. Why would I provide any information if I am calling in to report fraud for an account with name associated. This is absolutely unacceptable. I advised the fraud representative that I will in fact sue Bank of America if this account impacts me in anyway. They have been advise the account is fraud and it should have been closed immediately upon notification.
Consumer complaint received 2018-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IL)

I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 4th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how Equifax & XXXX  verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 3 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a XXXX XXXX, I know the court  system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call Equifax & XXXX  back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. Equifax refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this bankruptcy & child support is mine.
Consumer complaint received 2022-04-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A. (CA)

Spoke with XXXX and someone under her ( they refused to give full names ) and after going through phone prompts to close it, I get transferred to a human. I spend 15 minutes verifying everything to close it out and then in the end they just refuse to do it. There system won't allow it. 

It's somehow my issue now when I've instructed them to close it.
Consumer complaint received 2021-06-26
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgence Financial, LLC (FL)

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX is attempting to get an additional judgment for a judgment from XXXX. They filed a memorandum for costs after a judgment in XXXX XXXX, XXXX  on XX/XX/XXXX to my former residence in XXXX XXXX XXXX, XXXX  at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. I've lived in XXXX, XXXX  at XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX since XX/XX/XXXX due to a Covid-19 related job-loss. 

The original judgment filed in XXXX XXXX XXXX XXXX for my defaulted debt with XXXX in XXXX. 

They have also subpoenaed my tax returns, paystubs and other financial documents from my creditors, namely XXXX XXXX XXXX 

Based on the court filing, Resurgence Financial , LLC. purchased the outstanding debt from XXXX and now is trying to resuscitate zombie debt during a pandemic, and is trying to manipulate the court system in XXXX Further, XXXX  destroys all court-records after 10 years and some of the information on the new filing is not consistent with the original judgment. I have copies. The new filing is based on an attestation from the XXXX XXXX XXXX and not actual documents. 

I have clients in the mortgage and real estate industry who are subjected to bully tactics from Resurgence Financial that seeks multiple judgments on the very old debt and puts in on the credit reporting files as a way to tarnish the credit of people who owe past judgments or to extort additional money from people. Most of my clients get the judgment or collection removed from their credit but it is harassment. 

If I still lived in XXXX, the filings should take place in my home county NOT 49 miles away in another county which is a 2-hour drive one-way. Additionally, XXXX XXXX XXXX Courts have been closed for certain filings due to the pandemic and was hard hit with Covid cases so they tried to file in XXXX XXXX because of it's lax laws and lenient Covid restrictions, but I moved back to XXXX because I couldn't afford to stay in XXXX. 

Resurgence and XXXX XXXX XXXX are attempting to renew a judgment when I have proof of me living in XXXX and XXXX  for the past 12 years out of 13 years.
Consumer complaint received 2022-04-05
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. (MS)

In accordance with the Fair Credit Reporting act XXXX XXXX Open 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 XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX Bank XX/XX/XXXX XXXX via XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Resident verify XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX, has violated my rights XXXX 

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 I, XXXX XXXX XXXX DID NOT GIVE XXXX, EXPERIAN, XXXX ANY WRITTEN INSTRUCTION.
Consumer complaint received 2018-11-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I HAVE HAD A FRAUD ALERT ON MY PERSONAL CREDIT FOR THE PAST TWO YEARS AND NUMEROUS INQUIRIES ON MY CREDIT HAVE SHOWN UP BY WAY OF FRAUD AND WITHOUT MY CONSENT. THE OTHER TWO CREDIT REPORTING COMPANIES HAVE HONERED MY FRAUD ALERT ON MY PERSONAL CREDIT AND HAVE REMOVED INQUIRES I HAVE NOT AUTHORIZED NOR SIGNED FOR. TRANSUNION HAS FAILED TO DO SO. THE FRAUDULENT INQUIRES ARE AS FOLLOWS : 1 ). XXXXXXXX XXXX-DATE XXXX-NOT MINE AND DID NOT AUTHORIZE 2 ) XXXX XXXX XXXX XXXX CAPIT-DATEXX/XX/XXXX-NOT MINE AND DID NOT AUTHORIZE 3 ). XXXX XXXX XXXX-DATE-XX/XX/XXXX-NOT MINE AND DID NOT AUTHORIZE
Consumer complaint received 2018-11-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (PA)

I got a call from Navient on XX/XX/2016 saying I qualify for loan consolidation. He told me that they would consolidate all of my federal loans into one or two trade lines. After 3 months in forbearance, they only consolidated ( 7 ) of my federal loans in the amount of {$19000.00}. In XXXX of 2016, Navient made ( 3 ) disbursements and ( 2 ) adjustments in the amount of {$21000.00}. This is {$2600.00} more than what they paid for my ( 7 ) federal loans in question. In addition, I had to pay a one time fee of {$790.00} to have Navient consolidate my loans. The Navient representative 's name was XXXX and his number was XXXX. He told me that the whole point in consolidating my loans would be to reduce the amount of trade lines from my federal loans as well as lower my interest rate. The current interest rate on my loans with Navient is 4 %. ( 4 ) of the ( 7 ) federal loans that Navient paid off had interest rates lower than 4 %. I was absolutely misled into believing that consolidating my loans with Navient would save me money in the long run. This is not the case at all. Not only did my loan amount increase {$3700.00}, but i paid a one time fee of {$790.00} and my interest rate went up for ( 4 ) of the ( 7 ) loans. Navient consolidated 7 trade lines into 2 ( Subsidized and Unsubsidized ). They took advantage of me right out of college by telling me i was qualified for the XXXX student loan forgiveness Act. None of the things that occurred above had anything to do with this Act. Instead, my loan is now bigger with a higher interest rate. I recently got word of a lawsuit against Navient which made me take a deep dive into what occurred back in XXXX of 2016. I now see that i was misled and taken advantage of.
Consumer complaint received 2022-07-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CO)

Last year I started an account with XXXX  for virtual currency transactions and trading After a short while a company approached me online claiming to be a bitcoin day trading platform with XXXX, that could guide me into bitcoin day trading, to gain profits as the markets allows us to do so. 
Their platform checked out and it looked like a legit business to start trading virtual currency XXXX was the website for their trading platform. 
I trusted them cause they got my information from XXXX and theyre a serious well respected platform, but it turned out to be a state of the art scam and I lost a lot of my money, I need help to recovered those funds.
Consumer complaint received 2022-07-26
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 was told that such inquiries would be soft inquiries not hard inquiries. However, my credit report shows otherwise. 

Inquiry : XXXXXXXX XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXXDate of Inquiry : XXXX Inquiry : XXXXXXXX XXXXDate of Inquiry : XXXX