davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-15
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. (SC)

I received a letter from these companies stating they will not remove this unverifiable account from my consumer report. I have been requesting validation of this account and I have not received anything in regards to it. According to 15 USC 1681e ( b ) Accuracy of report, no one assured maximum possible accuracy of this alleged information. Also, 15 USC 1681b permissible purpose of a consumer report, I never gave anyone written instructions to report anything on my behalf.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NM)

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.

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 2023-04-05
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. (TX)

I have tried with XXXX XXXX on multiple occasions to have to validate and remove debts that do not and are not ever associated with me. I asked them how they can keep allowing these things to be reported when they dont belong to me, never been in any address Ive ever lived at. They continue to tell me why you have to contact the creditor. In other words, they are not properly verifying collections accounts they are placing on peoples credit. Not only that I sent to dispute letter and their response was they dont believe it came for me so theyre not going to investigate
Consumer complaint received 2022-12-01
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. (DC)

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, items or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
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 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 2023-02-10
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. (MA)

I PULLED MY TRANSUNION CREDIT REPORT AND NOTICED THAT A XXXXXXXX XXXX WAS ADDED BACK ON MY REPORT AFTER BEING REMOVE FOR FRAUDULENT PURPOSES. 





In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting Act Convergent, the accounts listed on my attachments has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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.
Consumer complaint received 2019-05-03
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: PNC Bank N.A. (GA)

I have left my employer and I am trying to close my HSA account with PNC Bank and transfer the assets to a HSA with XXXX XXXX. XXXX has spoken with PNC multiple times to confirm the address to send the Transfer of Assets ( TOA ) form to and has sent the TOA on multiple occasions. PNC continually claims that they haven't received any of the documentation from XXXX. I started this process in early XX/XX/XXXX.
Consumer complaint received 2019-09-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (OR)

Hello, In reviewing my Public Service Loan Forgiveness payment updates documents, I noticed a discount of six previously counted payments. Specifically, XX/XX/XXXX and from XX/XX/XXXX. For the period between XXXX I am listed as making 6 qualifying payments in the XX/XX/XXXX document from FedLoan. The XX/XX/XXXX document lists 0 qualifying payments for that same period between XXXX. Both FedLoan payment records and my personal bank statements list payments being made during that period. Please assist me in addressing this this blatant incongruity.
Consumer complaint received 2018-05-10
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: U.S. BANCORP (CA)

I received several alerts ( from XXXX & XXXX XXXX ) that changes were being made to my XXXX credit file. After checking it out I found that XXXX XXXX ( I do not do business with them ) had made inquiries, and had changed my Employer to " XXXX '' a company I had never worked for. 

I called XXXX XXXX  immediately and they told me that they had issued two credit cards under my name ( I did not apply for them ) but had closed them already due to fraud. The information provided for the fraudulent credit cards was inaccurate ( new employer ) and out of date ( they used an old address ), but still XXXX XXXX  issued fraudulent credit cards and " updated '' my credit file with inaccurate information. 

A few days later I received the attached letter from XXXX XXXX ( note that the letter does not say " XXXX XXXX '' anywhere -- the cowards are trying to hide their mistake. ) XXXX XXXX  did nothing to correct the changes made to my account. I changed my XXXX   credit file back myself ( deleted " XXXX  '' as employer ). 

A week later, I received another alert that additional changes were being made to my XXXX  credit report, and that my XXXX XXXX had lowered 11 points due to excessive credit card balances. That change was not caused by my credit activity. I called XXXX XXXX again and was told that they " couldn't help me ''. 

XXXX XXXX is an incompetent bank and should not be allowed access to people 's credit files. I hope they go the way of XXXX XXXX soon ( {$1.00} billion+ penalties, etc. )
Consumer complaint received 2018-05-11
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. (NY)

I received an updated credit report today XX/XX/18 from XXXX  now they have listed XXXX XXXX XXXX XXXX twice as a charge off on my report. I am fed up as I cant get any help with XXXX  correcting this. This account I disputed several times because it was confirmed to be removed off my report now its listed two times. Which affects my credit score in a negative way. Also XXXX XXXX XXXX was to be deleted as well but is still appearing on my report.
Consumer complaint received 2018-05-10
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (PA)

Back in XX/XX/XXXX, my wife and I were struggling to pay our two student loans and I contacted AES to find out what can be done. I was contacted by an agent that told me our best bet was to consolidate our loans. Based on his advice, we did, only to find out that it effectively made our situation much worse. XXXX is the servicer of our consolidation loan, which currently sits at 7 % and despite several attempts to reduce this percentage, we were told we were given one chance but a late payment took that opportunity away. Additionally, by consolidating, I took away my qualification for Public Service Loan forgiveness program ( I have worked in XXXX XXXX in XXXX since XX/XX/XXXX ). This was NEVER disclosed to me during the sales pitch to consolidate our loans. It has now been over TWENTY FIVE YEARS since I first started paying on my student loans and over 12 since we were talked into consolidating - and our principal has actually gone UP significantly since the consolidation. I want answers and I want retribution for all the money we have paid into our loans without seeing any reduction of our principal balance. 
XXXX and its representatives ( and I blame AES services too ) misled us and we have been paying for it - literally - ever since.
Consumer complaint received 2022-12-01
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)

I am interested in disputing the invalid information on my Experian credit report that is hurting my file. a lot of information is invalid.its not correct on all 3 reports. I wants to dispute all incorrect information on my file.
Consumer complaint received 2024-03-05
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. (FL)

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY. THE CREDIT REPORTING AGENCIES TRANSUNION, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISED INFORMATION WITHOUT MY CONSENT. INCLUDING THE FOLLOWING ACCOUNTS XXXX XXXX XXXX ON MY CONSUMER REPORT. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681B, which outlines the permissible purpose of consumer reports. I have requested Form SSA-89 from XXXX XXXX WHICH IS A FORM THAT SHOULD BE FILLED OUT, THEN SIGNED BY THE CONSUMER ( MYSELF ) AS PROOF OF APPLYING FOR THE SAID CREDIT. THE CREDITOR THEMSELVES DO NOT HAVE SUCH DOCUMENTATION AS THS, WHICH MEANS THEY HAVE FAILED T DO THEIR JOB AS A RESPONSIBLE CREDITOR AND KEEP SUCH FILES IN THEIR RECORDS FOR THESE REASONS, SO THAT IF IT IS REQUESTED WE WILL KNOW WHO, WHAT WHDEN AND WHERE TO PROCEED ON SAID CASES AS THIS IN THE EVENT OR FRAUD AND IT IS DEEMED AS SO MY PRIVACY HAS BEEN VIOLATED AS WELL 5USC55SA!!!! IAM NOW TRYNG TO PURCHASE A HOME AND THIS IS THE ONLY ITEM NEGATIVELY AFFECTING MY CREDIT IN THIS CASE. PLEASE REMOVE IN THE 1-4 BUSINESS DAYS AS THE DISPUTING TIMEFRAME HAS BEEN ELAPSED AND THE SAID FORM NOT RECEIVED. THANK YOU FOR YOUR PROMPTNESS.
Consumer complaint received 2021-09-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Phoenix Recovery Group (TX)

After reviewing my credit profile on XX/XX/2021 I identified a discrepancy with account listed under Phoenix Recovery Group and requested a validation on XX/XX/2021 as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/2021 and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me nor has any update been made on my credit report to reflect that the accounts are disputed and therefore a 2nd validation letter was sent out on this day. As of XX/XX/2021 I have not received the requested validation in a timely manner according to the Fair Debt Collections Practices Act and I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.
Consumer complaint received 2021-07-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (TX)

I have been disputing this account with the credit bureaus for sometime now. Each time they would say that Credit Collection would verify the debt. So I took it upon myself to ask credit collection for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/2021. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
Consumer complaint received 2022-10-14
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: BARCLAYS BANK DELAWARE (NH)

I show a charge from Barclays on my credit report. The card shows payments being made monthly since XXXX  until I filed a complaint with Barclays, now the card shows a {$55.00} over due balance. I reached out to Barclays several times and they keep telling me the card is valid. I noticed an address in Florida on my credit report and I've never lived in Florida or do i know anyone who does. I hope you can help me with this issue. I've also filled a complaint with XXXX and will do the same with MA Atty General if need be. 
Thank you for your time, XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, NH XXXX XXXX
Consumer complaint received 2018-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I received an updated credit report today XX/XX/18 from experian now they have listed XXXX XXXX XXXX XXXX twice as a charge off on my report. I am fed up as I cant get any help with experian correcting this. This account I disputed several times because it was confirmed to be removed off my report now its listed two times. Which affects my credit score in a negative way. Also XXXX  XXXX XXXX was to be deleted as well but is still appearing on my report.
Consumer complaint received 2023-02-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

SEE ATTACHMENT DOCUMENT, please. The agency is in violation of Section 1692c of the Fair Debt Collection Practices Act. This Agency never received consent from the consumer to communicate about any alleged debt. The agency is in violation of Section 6821 ( a ) of the Gramm LeachBliley Act for causing to disclose customer information of a financial institution relating to consumers.
Consumer complaint received 2023-04-05
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. (TX)

In accordance with the Fair Credit Reporting act XXXX, the following accounts have violated my rights : 1. XXXX ( XXXX ) Account # XXXX 2. Experian ( XXXX ) Account # 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
Consumer complaint received 2023-03-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION (KY)

I opened an account with truist Bank online with there {$400.00} opening deal. Everything went fine signing up, deposit {$50.00} and got confirmation and was able to use the app for couple days before they locked it. I called the number on app and some deep accent foreign dude couldn't help me at all and told me call fraud department, I then called them to get report from them XXXX XXXX XXXX. I see what went wrong got a letter stating they close my account and they send me a check of my funds after 10 business days, that I accidentally trashed from anger but it never recieved. I called again again foreign accent that hard to understand but kept getting run around no help, call XXXX XXXX XXXX and they tell me it the bank that needs to give Me my funds. My last call was 2 days ago, a lady picked this time again can't help and says my account looks still open but I need to call this number XXXX which isn't even banking it was talking about purchasing equipment when I picked customer service. My account still locked, closed for what that letter says and they won't give me my {$50.00} back, I just want to be done with this.
Consumer complaint received 2024-03-05
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. (FL)

The purpose of this complaint is to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2023-03-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (MI)

Payment of {$1500.00} was made and received on XX/XX/XXXX. The card issuer as of XX/XX/XXXX, has still not applied the payment, despite it coming from my checking account at a credit union. They claim their algorithm does these holds to watch for fraud, but given the actual circumstances, that does not make any sense. No one at the company is able to override the decision and Im stuck in a foreign country with no money until funds are released. They claim no interest will be accrued in the meantime, avoiding a TILA violation. What right do these companies have to hold legitimate funds of working ppl for an undetermined amount of time? Poor ppl having money in the bank is suspicious, so they have a right to keep it until they feel better?? Unbelievable. Why doesnt CFPB provide protections for low income ppl in these scenarios? We are out here starving while major banks are making money speculating on funds they are withholding from poor ppl.
Consumer complaint received 2018-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CASHCALL, INC. (CA)

Cashcall is reporting my account included in bankruptcy which is a violation of the bankruptcy filing law. 
I also requested a copy of a signed contract since I have had multiple account which were paid in full. I have not received a copy of my signed contract and the payment schedule that sent me was for one year of payments when they are reporting two years of payments. 
They also are reporting multiple lates on this account for the months of XX/XX/XXXX and XX/XX/XXXX 60 days late and 30 days late. Their payment schedule is had to read and doesnt show a 60 day late payment.
Consumer complaint received 2023-03-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (CA)

I opened a US Bank business account online and had my account by telephone with my documentation faxed. Unfortunately this business account was poorly managed by US Bank right from the start. First, despite being told that i was a sole proprietor they seemed to have opened an incorrect account for me as an LLC. I took some business trips to the XXXX in XXXX and XXXX of XXXX and my card had multiple issues with billing error and duplicated transactions and unauthorised use. I disputed many transactions and informed the bank due to business I was overseas on a very long trip on more than one occasion. Remarkably, US bank then sent forms for some of these to be signed and mailed sent to my US mailing address and these were not received by me until XXXX of XXXX. I faxed back all the forms signed but US bank reversed all provisional credits. Even more problematic was that US Bank then closed my account, restricted access to my funds, and then would not allow me to call the bank and enquire about my money and would not let me file any new disputes or would not let me send police reports to support my legitimate claim. They have also not allowed me access to my bank statements so I do not even know what fraud transactions to dispute if they allowed me to discuss my own account, which they have not done. All of this violated federal and state banking laws and every time I have tried calling to fix this I am given the runaround. US Bank has treated be very shabbily and I am appalled. Moreover, I am owed a refund off not insignificant amount of money from this account.