davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-25
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. (FL)

I'm filing a complaint because TransUnion is damaging my buying power and my character. I have exhausted all of my options on getting matters escalated directly with them but yet they have ignored. Today was my final attempt after being on a phone call XXXX hour XXXX minute with no solution to the issue. My Information has been compromised and there has few accounts opened in my name without my authority. I have contact original creditor and they have agreed and close out the account however it's reporting due Transunion negligence. On XX/XX/XXXX I sent out proper documents and XX/XX/XXXX I sent out XXXX fraud XXXX. XXXX has removed accounts for my credit report on XX/XX/XXXX and XXXX of XXXX and XXXX have removed accounts on my credit report XX/XX/XXXX. Admission is to deletion, the other credit bureaus have removed it then Trans Union should remove it especially because it's a fraudulent account. I have submitted all the proper documentations to them via certified mail which include my identity theft report as well as a dispute letter and out of my proper identification. Transunion has failed numerous of times and has violate my privacy as a consumer. The credit bureaus must report accuracy on my credit report and all accounts should have been properly verified before insertion.You have violated my federally protected consumer rights. Under 15 USC 1681e ( B ) you did not report my consumer report with accuracy. Transunion also violated 15 USC 1681 ( A ) ( 4 ) because you DID NOT report my consumer report with fairness, impartiality, and respect. In fact, you were biased with the instructions that I gave you and decided to do things your way by XXXX me and forcing me to accept what you deem verified. I've been told numerous of guys from the Credit representative and they have failed to do any type of proper verification or to acknowledge my documents that were sent. There's also numerous address on my credit report that does not belong to me. During YOUR investigation period, Transunion REMOVED THESE ITEMS WITHIN 4 DAYS ACCORDING TO 15 USC 1681c-2 ( A ), WHICH YOU VIOLATED. This issue is considered negligence and aggravated identity theft. Keep in mind, I called several times and ask to speak to an executive supervisor in the consumer affairs department but I was also told thy can't and will not help. I'm beyond upset. The names the credit accounts are XXXX XXXX XXXXXXXX, XXXXXXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2022-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

There were a couple of incorrect items on all three bureaus. I sent a dispute letter to all three bureaus ( XXXX, Transunion, and XXXX ) on XX/XX/2022. I then sent another letter on XX/XX/2022, letting all three bureaus know that they have 30 days to comply. The 30 days have passed and I have yet to receive any response.
Consumer complaint received 2019-11-20
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (VA)

In XX/XX/2010 I received a XXXX XXXX reward to pay for 60 % of my student loan debt in exchange for 2 years working w/ a XXXX XXXX XXXX. I completed my 2 years and applied for the 3rd year amendment which was an additional 25 % of the total debt for a total of 85 % to repay my student loans. XXXX rounded up to a starting balance of {$230000.00}. I received my reward money ( taxed income ) and paid SallieMae/Navient faithfully every month for 36 months to a tune of {$130000.00}. That should have erased my debt by that amount, but to date, the overall balance of both my federal and private loans is a little over {$220000.00} ... so after paying {$130000.00} in 3 years, my balance only reflects a {$9000.00} reduction in the overall debt. I've called to discuss this discrepancy and have not received a satisfactory answer. I feel that the government funds for which I was also taxed on, were misappropriated, thus leaving me w/ still higher payments. Please any help would be appreciated.
Consumer complaint received 2022-05-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: PNC Bank N.A. (TX)

Ive had issues with PNC Bank since they acquired XXXX. I would have NEVER chosen them after the 8 month experience I have had. 

Since XXXX of XXXX, I have not been been able to log into my account via mobile or desktop to pay my bills. Finally I was able to just pay the balances through the phone which inconveniences me because I have to wait on the line. Moving forward to XXXX when I finally had access to log into my account I would be denied of adding external checking accounts and errors would appear on the desktop version ( mobile does not permit adding external accounts ). It was implied it would be easier if I would just create a checking account with them, in which I do not need. When I reported this issue with them they brought up to tier 3 support and told me that they would call me back. I never received a phone call or email in regards to the case. On my final decision to just continue to make payments via phone, I go ahead and make a phone call and pay with an automated option. I paid for the balance, the money was removed from my external checking account, and later then deposited back and then was sent a later that the payment did not go through. PNC has made it impossible to pay for credit card bills unless you have a checking account with them and that is predatory. I finally called again last Monday to pay the remaining balance and asked the agent to ensure that if I pay that balance it goes through first ( this is voice recorded on their end ) and proceed with cancelling my account. I was assured that would be the case. One week and one day later, no balance has been removed for my last payment, and the account is closed so I am unable to log in to see what is the hold up. I have worked so hard to raise my credit score over the years, and am mortified to see it go down due to PNCs negligence. Please help me, I do not want this to happen to anyone else. They do not value their customers, most especially anyone that came from XXXX.
Consumer complaint received 2024-04-13
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Associated Credit Services, Inc. (NY)

This is a debt collector that purchased a debt before I could pay it with the actual company and argued with me that I owe a amount I do not owe to them @ XXXX and something when it should be XXXX owed to the original collection I have asked them to stop calling they call all day long from XXXX to XXXX Sunday to Sunday I block the number it calls right back with a new number I have all of the call logs from said company They will not provide who they are when you answer the phone they repeated to ask if I am the person they are looking for with out disclosure of who they are I had one guy fight with me and hang up on me as well Associated credit is the name of the debt collector This started back in XXXX of 2023 to present I had just received a call from them as of 30 minutes prior to contacting and reporting this
Consumer complaint received 2022-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

On numerous occasions, I have asked the 3 major credit bureaus to please stop reporting mis-information. I sent all three credit bureaus a copy of my license and a bill to confirm my personal information. 

I've also asked them to verify and validate that the information is correct. Credit reporting laws ensure us that the credit bureaus must report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2022-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

On XXXX different occasions I sent in letters to Transunion to investigate/verify a few credit accounts. Transunion sent me XXXX stall letters claiming that I am a credit agency working on someone behalf. I responded back letting them know that I am working on my behalf and I need you to investigate these accounts. They did no investigations but instead sent me my credit report twice. Transunion is violating my rights to have these accounts investigated. Please follow up with them.
Consumer complaint received 2022-05-17
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. (MI)

on. for 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 XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Credit XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Unions XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX FOR XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX Bank XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX : {$700.00} XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX Date XXXX Balance : {$520.00} XXXX ( Original Creditor : XXXX XXXX ) Account # XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$520.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX  ) Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} XXXX XXXX  XXXX Account # XXXX Date XXXX XXXX  Account # XXXX Date Opened : XX/XX/XXXX Balance : {$23000.00} XXXX Account # : XXXX Date XXXX Balance : {$13.00} XXXX  XXXX Date XXXX Balance : {$160.00} XXXX XXXX  XXXX Account # XXXX Date Opened XX/XX/XXXX Balance : {$1900.00} 15 U.S.C 16 81c. ( 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.

15 U.S.C. 1666b A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late any reasons.
Consumer complaint received 2024-04-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Self Financial Inc. (SC)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2022-10-27
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. (IL)

In accordance with the fair credit reporting act, the list of accounts and inquiries below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : Accounts 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 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 These have violated my rights. 

15 U.S.C. 1681 section 602 A States that I have a right to privacy.

15 U.S.C. 1681 section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) states no consumer reporting agency may publish any 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 ) states that a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-05-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (MD)

My Discover credit card has an unauthorized charge. The card is lost. I mailed a charge back letter to discover, but till date discover has done nothing. The content of the letter is as follows : XXXX DiscoverBankChargeDispute DiscoverBankGeneralCorrespondence XXXX XXXXXXXX XXXX XXXX, XXXX Re : XXXX Name : XXXX XXXX, XXXX, XXXX, XXXX Email : XXXX XXXX Phone : XXXX : XXXX XXXX XXXX XXXXXXXX XXXX Merchant : XXXX XXXX _________________________________________________________________________________ XXXX, XXXXXXXX XXXXFurthermore, XXXX XXXX : XXXX XXXX, XXXX XXXX. Note : XXXX ( XXXX  ) XXXX Sincerely, XXXX XXXX
Consumer complaint received 2021-10-28
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. (MD)

I XXXX XXXX the federally protected consumer is sending you the last dispute about these false and alleged accounts. XXXX has remove all the account from my consumer report and you should follow suite . I will be attached that consumer report with all the amount remove and deleted. I would like for you do to do the same required by FCRA 15. U.S. Code 1681a accurate and fairness.
Consumer complaint received 2022-10-27
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. (LA)

In accordance with the FAIR CREDIT REPORTING ACT, these convergent accounts listed below has violated my rights. 

XXXX. 15 USC 1681 SECTION 602 A, STATES ; I HAVE THE RIGHT TO PRIVACY XXXX. 15 USC 1681 SECTION 604 A SECTION 2 ALSO STATES ; A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

I have disputed the accounts with the credit bureaus as well as sent letters. 
The disputed responses I received back stated that the accounts were in accordance with FCRA, which is not true based on the XXXX violations I have listed above. No response pertaining to the letters that was sent. 



XXXX. XXXX XXXX XXXX - ( original creditor XXXX ) last reported XX/XX/XXXX balance {$2400.00} XXXX. XXXX XXXX - ( XXXX XXXX XXXX XXXX XXXX XXXX ) last reported XX/XX/XXXX balance {$2400.00} XXXX. XXXX - ( original creditor XXXX XXXX XXXX XXXX XXXX XXXX ) last reported XX/XX/XXXX balance {$1500.00} XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX paid- closed XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX paid- closed XXXX. XXXX XXXX XXXX XXXX, XXXX paid - closed XXXX. XXXX XXXX XXXX XXXX, XXXX paid - closed XXXX. XXXX XXXX XXXX XXXX ( original creditor XXXX XXXX ) XXXX, XXXX balance {$400.00} XXXX. XXXX XXXX XXXX XXXX - ( XXXX XXXX XXXX ) XXXX, XXXX balance {$520.00} XXXX. XXXX XXXX XXXX  - original creditor XXXX XXXX XXXX XXXX, XXXX balance {$2800.00} XXXX. XXXX XXXX  XXXX, XXXX balance {$470.00} XXXX. XXXX XXXX XXXX XXXX, XXXX paid - closed XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX closed
Consumer complaint received 2021-10-28
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CITIZENS FINANCIAL GROUP, INC. (CT)

On XX/XX/2020 The XXXX XXXX sent me an email, notifying me that they had canceled the account, that we do not owe them anything, and that we do not have to pay anything, that we keep the devices because I have spent a year, and the letter was sent to me by the department of sale compliance partner, by the representative of this department, Mrs. XXXX XXXX. The debt was XXXX, because I previously made a complaint to this XXXX XXXX, for bad facilities and excessive charging for poorly installed service, now it turns out that the XXXX XXXX  is charging me {$1100.00} for XXXX payments, Threatening to take me to Colection and wanting to damage my credit, they spoke with the bank and the bank was very rude and aggressive in answering me that I had to pay that debt or it would damage my credit and the bank was notified that I had a carte de XXXX Notifying me that I do not owe anything and that I should not pay anyone, I have the letter in my possession I can send it to you whenever you like, the Citizens Bank, was very rude and humiliating in collecting a debt that I do not owe, the bank loves me cheat.
Consumer complaint received 2022-03-21
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. (NC)

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-10-27
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: EQUIFAX, INC. (MD)

ACCORDING TO THE FCRA I DON'T RECOGNIZE THESE ITEMS THERE FORE, THEY NEED TO BE REMOVED/DELETED FROM MY CREDIT REPORT DELETE THESE INQUIRIES XXXX XXXX BANK XXXX REMOVE/DELETE FROM CREDIT REPORT ) XXXX XXXX ( REMOVE/ DELETE FROM CREDIT REPORT ) XXXX XXXX XXXX ( DELETE FROM CREDIT REPORT ) XXXX  - CARD SERIVICES ( REMOVE/ DELETE FROM CREDIT REPORT ) XXXX XXXX XXXX XXXX REMOVE/DELETE FROM CREDIT REPORT XXXX THESE HARD INQUIRIES I DID NOT AUTHORIZE THESE HARD INQURIES, THIS IS DUE TO FRAUD AND IDENTITY THEFT! ACCORDING TO THE FCRA I HAVE RIGHTS PLEASE REMOVE THESE OFF MY CREDIT REPORT IMMEDIATELY
Consumer complaint received 2022-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CO)

XXXX XXXX, I am trying to receive a loan through my lender, but they are only able to pull my information through XXXX and XXXX, however, Equifax is not cooperating. I am closing on a house next week ( XX/XX/XXXX ) when I was originally supposed to close on the house on the XXXX, and the only thing that is stopping me is Equifax. I called Equifax on XX/XX/XXXX and I was told to fax a copy of my Social Security Card and ID to ( XXXX ) and I did that same day. The following day ( XX/XX/XXXX ), I called again which I escalated things to a supervisor and he advised me that they were not accepting fax 's since XX/XX/XXXX and I could only mail my information which I overnighted on ( XX/XX/XXXX ). I have faxed very important personal information to some random fax and I do not know what to do with that flying piece of information. I was so desperate for help and guidance that I reached out to Equifax on XXXX, which they responded that I was going to receive help within two days and I later received an email asking me for lots of personal information again. My case number is ( Case # XXXX : Social Media Case ) and I have not received any information since yesterday. Please, I am in desperate need of help and the only thing stopping me is Equifax. I am doing everything I can in my control to settle things, but Equifax is not cooperating. I have called an average of 4 times since XX/XX/XXXX and have spent over 10 hours on the phone trying to resolve my problem but there is no easy way. Please help.
Consumer complaint received 2022-05-17
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. (NY)

I've already given you a certified letter about some negative information on my credit report. However, your company failed to delete accounts that are unverifiable and unrelated to any of my addresses, so how are these accounts verified? You did not successfully remove and delete the disputed items. I'll say it again : the Fair Credit Reporting Act requires you to follow the law.