davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-10
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. (SC)

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. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 2019-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX sent me a letter ( attached ), stating that I, XXXX XXXX, requested a Fraud Alert be placed on my Credit Report ( s ). I DID NOT request any type of alert or block to be placed on my credit. Further, I did not ask XXXX to notify TransUnion or XXXX of any such thing. This Alert/Block is damaging my ability to do things like get utilities in my name - I am a XXXX Veteran and this hinderance is actually life threatening for me. REMOVE all such Alerts/Blocks on my Credit IMMEDIATELY - thank you. I have sent this in written correspondence as well to all 3 Credit Agencies, along with Proof of my Identity and Address.
Consumer complaint received 2023-03-11
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. (GA)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2014 ; XXXX XXXX XXXX XXXX, FL XXXX XX/XX/2014 ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2022-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

TransUnion has outdated inquiries on my credit report from 20 years ago. My credit report looks like I have creditors/inquiries on my credit report from 20 years ago. This is horrible. ALL inquiries and phones numbers should be updated/removed from credit report immediately. 
On XX/XX/2022 I disputed school loans on my credit report. Which was Department of EducationXXXX in reference to high balances showing on every loan. I advise TransUnion every school balance for Dept of Education/XXXX had been paid off to zero balances. I advised them to investigate and remove the Dept of EducationXXXX school loans from my report. There should not be any high or low balances showing and to remove the debt & every balance to zero. After my dispute Transunion refuse to remove the Department of EducationXXXX balances . These balances are having an affect on my credit ratings & scores continually if these school loans are not corrected & removed from my credit report. 
XXXX and XXXX has removed all balances and the school debt completely off my report due to the loans being paid in full. TransUnion refuses to remove the balances. According to FCRA Laws and guidelines TransUnion are reporting fraudulent/debt balances & information. XXXX/Dept of Education has given payoff information to each credit bureau XXXX TransUnion will not abide by the law. After, I disputed the high balances on each Dept of EducationXXXX loan , TransUnion decides to change the high balances to original balance which is the same definition. TransUnion continue to leave the credit report school loan balances on my credit to damage my scores & ratings with school loan debt, which every loan should be removed completely off my credit report. My credit score should have been changed to a reasonable credit score since XXXX/Department of Education reported the payoff. TransUnion has not increase my credit ratings due to payoffs as well. 
There are two collections ony credit report with XXXX XXXX XXXX and XXXX XXXX. I have disputes these third party collections due to contracts being canceled/ charged off and I have NO CONTRACT with either collection agency. I have requested for these two collection agency to be remove from my credit report with TransUnion several times. Transunion refused to remove these collections ad well. TransUnion fail to comply with the FCRA laws. I have been really disappointed, in TransUnion unprofessional low standard actions and they are not proceeding to update my credit report correctly nor are they following law standards legally.
Consumer complaint received 2022-03-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION (MD)

A fraudulent check for {$8700.00} was deposited against my account and paid by my bank, Truist. I opened a fraud claim with Truist but they have been totally unhelpful at local branches and I have had to wait over 3 hours on the phone to speak with a " representative ''. I am still waiting for the fraud case documents, supposedly being mailed to me. I will soon enlist the help of my attorney.
Consumer complaint received 2019-09-15
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Hawk Inc (SC)

I am a customer with Lender Loans at XXXX XXXX XXXX in XXXX SC. I fell behind in payments before and they sent my account to the magistrate office and tried to take me to court. But I had to beg my back for a XXXX loan to pay them so they could stop the charges on my. So on XX/XX/XXXX I had to be rushed to hospital for XXXX XXXX due to a XXXX XXXX I had and had to be admitted in for a few days and out of work for a minute. I sent this company a letter explaining my situation to them and ask them kindly to give me a break on the phone calls and the letters sent to me. Cause I am on bed rest and doctors want me to be stress free. And they have not stopped. I ended up putting them in call block to get them to stop on my end. After I don't scrap up XXXX to put towards the loan and stop the charges look like they would close my account. I am a single parent with a serious health issues and trying to live for my kids without debt killing me. I need help with this company.
Consumer complaint received 2019-09-15
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (AZ)

On my mortgage statements I am being charged {$20.00} every month for property inspection. I live in my home and we are behind on mortgage payments due to a reduction in income that started in XXXX of 2019. We did call for help but did not get any from our lender. They charged another property inspection fee again this month. That is an additional {$60.00} so far. This is unfair when I live in my home. We are in the process of trying to make two mortgage payments each month till we catch up in XXXX. I have cashed out a retirement fund to catch up and will receive the funds the beginning for XXXX. We were not aware of these charges and will not pay them.
Consumer complaint received 2020-02-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY (CA)

In XXXX of XXXX  while traveling internationally in XXXX, my bank card was stolen. When reporting the theft to my bank I was told that I was being locked out of my account with no way of being able to access the account. When returning to the United States and entering my bank location on XX/XX/XXXX I was refused service when requesting my bank statements from the previous year dating from XX/XX/XXXX by XXXX XXXX bank manager of TD Bank id number XXXX, consequently I closed my account. I believe TD bank which claims to be america*s most convenient bank acted with malice and discrimination towards me and i will be seeking legal action.
Consumer complaint received 2024-02-08
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION (ID)

On XX/XX/XXXX I advised the Navy Federal Credit Union ( NFCU ) call center that my interest 1099 for taxes was still being mailed to an old address that was changed in XXXX of XXXX. I was advised by XXXX that it was a membership error and the XXXX Department would fix it. Due to other issues with NFCU in the past, I asked to speak to a supervisor, I was told I would be called back before the end of the day. I received no call and called back on XX/XX/XXXX and spoke to XXXX, who advised she was a call center supervisor, she ensured me that the error would be fixed but I could not speak to the XXXX Department. I additionally requested an updated 1099 sent to the correct address, this was never provided. I was assured that all of my other account information was updated. I had reviewed my account information online and could not find any place the old address remained. 
The XXXX tax year 1099 statement was again sent to the previous address, since this is a tax issue and has been incorrect since XXXX I am filing this complaint. The current owner of my old residence, who is a friend, forwarded my 1099 statement again. NFCU has failed to comply with federal law in providing mandatory tax documents.
Consumer complaint received 2019-09-15
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. (MA)

I am writing to dispute DEPT OF ED/XXXX XXXX. The opened date listed on these accounts are incorrect, please delete these accounts.
Consumer complaint received 2022-04-26
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. (NJ)

I am writing to delete the following information in my file, the item I need to delete are listed in the report. I am a victim of identity theft. I demand that y'all remove this item from my file to correct my credit report. I also reported the theft of my identity to the federal trade commission & enclosed copies of the federal trade commissions identity theft affidavit. Remove these items immediately.
Consumer complaint received 2022-03-21
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: Castle Credit Co Holdings, LLC, Chicago, IL Branch (WA)

The account I previously had, has been charged off. By XXXX The IRS Clearly says a Canceled debt or Charge off Is Income. The reporting of this account as a debt is inaccurate.

15 USC 1681 s-2 ( a ) ( 1 ) ( A ) a person not furnish any information relating to a consumer to any consumer reporting agency if the person if the person knows or has reasonable cause to believe that the information is inaccurate. 

I have contacted this establishment informing this manor. I have yet to see any change nor response from these companies reporting to the credit reporting agencies. 

companies contacted XXXX XXXX, XXXX XXXX XXXX, CASTLE CREDIT, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX,
Consumer complaint received 2019-09-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (PA)

I had an account with XXXX XXXX in XXXX XXXX Pa. I owed XXXX. There were excessive overdraft fees on my account. I called main office in RI and received a credit for this amount after several phone calls from them not acknowledging the proof email of the credit, I wanted no problem and wanted to " wash my hands of them ''. I started to make payments on what I owed! I made a payment of what all was required of XXXX then XXXX then XXXX then XXXX then another XXXX. Total of XXXX. I checked the balance and found not one of these payments were showing! I was furious. I called and was told the account was already paid and closed. The credit showed for the XXXX I was credited. Though what happened to the XXXX I paid. I asked if I'd get it back. They said payments were not showing at all. I reported them all over with no luck. They sent me then to collections and I mailed proof! The collection stopped. Now I received collection from Convergent Outsourcing and have to mail proof here too. Who pays me for all my time to do all this? I disputed the amount of XXXX with XXXX and experience many times with no luck. I even sent or mailed proof. No luck! They are constantly being sued over charging their customers excessive fees and charges. It's in XXXX right now. When will they sue them in my area? They refuse to accept the credit they gave and my payments I made.
Consumer complaint received 2019-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (OK)

I was awoken today to a notification that my credit score had dropped & a new account was added to my Experian credit file. I logged in to check what had happened, as NO action was taken on my part that should have resulted in this. ( Upon logging in, I was advertised to about Experian 's paid services, which I believe violates the fair credit reporting act, as it happens every time I log in & attempts to make it seem like I need to pay the company to receive the best data possible. ) Nothing had changed on my credit report for Experian that would explain this 20-point drop, but it is there. NO account ( that I can see ) has been added. No late payments ( real or otherwise ), no new collections, no new inquiries or lines of credit, NOTHING to explain why my score tanked 20 points. 

The nearest I can tell, my " Boosts '' potentially expired. I was alerted last week that they were having trouble accessing my bank account, so I logged in and FIXED IT after an hour of frustration, and the boosts still show on my account, so I am at a loss. 

Upon trying to call the Experian customer service number - which states that it is open Sundays - I can not get through the automated menu. It disconnects me 100 % of the time even when I provide FULL AND COMPLETE personal information. It does not even offer the option to talk to a human. The options are nonsensical and the system is broken. I have tried to call REPEATEDLY over the last week for the " Boosts '' issue above, and now this, and I am being refused service by this agency. This is unacceptable and I have wasted too many hours fighting with their phone menu. 

If old information has reappeared on my account and is being treated as " new '' information, that should not be happening. 

To sum up : NOTHING HAS CHANGED on my credit report, but my score dropped 20 points for no reason, and Experian refuses to provide accounting for such, instead opting to CONTINUOUSLY advertise their paid services with the implication I MUST pay to receive full information. This violates the FCRA.
Consumer complaint received 2023-08-21
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: CAPITAL ONE FINANCIAL CORPORATION (OH)

I realized I was paying interests on cash advance on my credit card I have never had a cash advance.I always just open my bills and pay them.on XX/XX/XXXX, I called Capital One and talked with them about this, the cash advances happened in XXXX, they continue to charge interest on cash advances I know I have not ever had. I talked to XXXX XXXX
Consumer complaint received 2021-03-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc (MI)

I received notification of several withdrawals in my account to XXXX. Two where automatically refunded than taken again. For a total of {$3800.00} I attempted to file fraud on the transactions and they closed my account. Since the account was closed I have no way to contact anyone at the bank about the fraudulent charges. Only XXXX was included in the fraud. Another {$2000.00} to XXXX was made and they would not allow me to file on the account. I receive XXXX from the department of veterans affairs and the bank is stealing protected income.
Consumer complaint received 2018-12-27
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

This is in regard to a debit card called access 360 issued by 53rd bank
In XX/XX/2018 i discovered though use of my app that there was money missing from my access 360 card ending in XXXX (this account has been closed), upon contacting the access 360 department i discover there was an unauthorized transaction for $XXXX   charge to my card at a XXXX XXXX in XXXX on or around XX/XX/XXXX. I immediately disputed the transaction and was given case number XXXX and a temporary credit off same amount. Weeks later i notice  the $XXXX i had on the card was gone and my account was in the negative over a $XXXX, after calling their dispute department i find out they took back the temporary credit as they had ruled in favor of the merchant, and sent me a letter claiming why they made such ruling. After a few weeks had pass and not receiving any such letter so i can re-open the case; i kept calling for said letter to be recent and to this date after escalating the request to resend said letter, i have received no such letter. I went and got a police report to re-open the case but the dispute department keep telling me there is a form to be filled out to re-open the case; in which i requested a copy of this form on several occasions but to this day still haven't gotten any such form either. the last time i called  their dispute department i was told to go to the nearest 53rd branch and a copy of form would be faxed to them instead, when i went to the bran and had them called the dispute department; we were told that said form could not be faxed or emailed, it would have to be mailed, an agent at the branch even change my correspondent address to the bank's address so that in case it was a problem with my address then said form could go to the bank and i go pick it up, i called that branch on 3 occasions asking if they had received any such form as yet; but they haven't. i think 53rd bank is a very unorganized bank that probably got my case mixed up or lost; as every time i called i get transferred around in circles. Since then they have closed my accounts for non payments and sent the negative balance to a collection agency; as a result significantly damaging my credit. Also, i received a letter from 53rd bank that there was an unauthorized access of my account by one of their employees; and i am not sure if this could be related to the incident with my access 360 card, i will attach a copy of this letter
Consumer complaint received 2020-08-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I disputed the inquiries on my report on XX/XX/2020 and received no response. I then sent out a letter asking for a prompt response due the response then being 45 days overdue. There was no information given as to how the inquiries on my report were validated when they are obviously fraudulent. I've now submitted a report with the Federal trade commission as I've learned that they can help me with the matter of identity theft.
Consumer complaint received 2022-03-21
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: CITIBANK, N.A. (WA)

The account I previously had, has been charged off. By Definition The IRS Clearly says a Canceled debt or Charge off Is Income. The reporting of this account as a debt is inaccurate.

15 USC 1681 s-2 ( a ) ( 1 ) ( A ) a person not furnish any information relating to a consumer to any consumer reporting agency if the person if the person knows or has reasonable cause to believe that the information is inaccurate. 

I have contacted this establishment informing this manor. I have yet to see any change nor response from these companies reporting to the credit reporting agencies. 

companies contacted XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX, Citibank North America,
Consumer complaint received 2021-07-19
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. (MA)

To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : ( XXXX XXXX XXXXXXXX ). ( XXXX XXXXXXXX ). ( XXXX XXXX XXXXXXXX ). ( XXXX  XXXX ). ( XXXX XXXX ). ( XXXX XXXX XXXX ). ( XXXX XXXX XXXX XXXXXXXX ). ( XXXX XXXX ). ( XXXX XXXX ). ( XXXX XXXX  XXXX ). 

I did not authorize anyone employed by these companies to inquire and view my credit report. This is a violation of Section 1681b ( c ) of the Fair Credit Reporting Act and a serious violation of my privacy rights. Validate this information with these companies and provide copies of any documentation associated with these accounts that bears my signature, authorizing a consultation. In the absence of such documentation with my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.