davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-06
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. (MS)

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion  paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-12-16
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: EQUIFAX, INC. (NE)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be updated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2019-11-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: STATE FARM BANK, FSB (NY)

This bank has discriminated against me first I receive a letter they need to verify my identity I send the documents to XXXX XXXX and by mail I call them and let them know if they got it they said yes then I get transferred to different department and a man which I spoke to was very rude To me and said its declined due to bank policy I said I dont understand its me Ive sent the documents as requested whats going on he refused to Help me and hung up on me very rude bank and very rude security department
Consumer complaint received 2024-06-05
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (TX)

There have been three separate times where excessive overfrafts/nsf fees are charged to my account despite not being enrolled in overdraft protection. The first two times prior to this recent time I had positive balances and was charged overdraft fees and then they were removed by customer service, but was told that the balance that Wells Fargo sees is different than what I as a customer sees. It's always all too convient to them. So I asked to please remove the ability to overdraft my card and I turn my card off as extra protection. This week my account was charged despite my card being off and Wells Fargo let other small charges go through including one for {$1.00}. I have screenshots from during the week that show that I am not enrolled in overdraft. Three new charges went through, but were pending for days and I thought it would correct itself and not be charged. But they cleared yesterday and today I have a negative balance of {$210.00} then another charge went through. As per Wells Fargo your account l, if enrolled in overdraft can only be charged three times. I can see four charges that were deducted when I did not have the funds in my account. All the while I am not enrolled in overdraft protection. This is Predatory and upsetting.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (DE)

I called Equifax last week to check on my credit report 's investigation with XXXX XXXX XXXX XXXX. I asked how did XXXX verified this account as accurate the supervisor who was working from Indiana told me they don't do any investigations at all he said whatever the creditor sends back is what they go with. This man told me his name was XXXX XXXX! 


XXXX has people working and handling credit disputes from Indiana when they have no understanding of the FCRA laws. 


I demand a reinvestigation due it being many inaccuracies on this account. If this account is not deleted immediately I will take further action as to why XXXX refuse to see these clear inaccurate account reportings on my credit report.
Consumer complaint received 2023-09-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (NV)

I went in at XXXX to Navy Federal Credit Union to deposit my paycheck so I could pay bills. After depositing through their ATM, there was no pending check in my account and no funds. So I reached out to their corporate number and was told that because the check was over {$1000.00} that part of the check ( {$250.00} ) would be deposited into my account on XXXX  and the rest would be in my account by XXXX morning. 

Fast forward to today- no money and no pending check. So I call the number back. The associate helping accuses me of depositing the check too late to get any funds before tomorrow. When I quoted direct timing to him of speaking to his coworker at XXXX after depositing it at XXXX, he said oh well thats XXXX time not XXXX. And he made it clear that he could do nothing. So I asked to be transferred to a supervisor. 

Now when XXXX got on the phone he basically told me straight out nothing could be done for me. When I pointed out that his employee made false promises and lied because of the time zone, he agreed that it shouldnt have been said and said he would talk to the employee. However I pointed out talking doesnt fix the fact that I have bills due today and XXXX going to get charged fees because of their employees lies. He said that theres nothing they can do. So now on top of holding my money XXXX, they are causing me to get fees that should have been avoided. 

If you work in XXXX time and its already past the time of deposits needing to be in, that should be stated. But as it wasnt, now theyve wasted my time, money, and have completely lost my trust in this company. As soon as my funds are in my account I am closing my account. And if anyone reading this also has Navy Federal accounts, I suggest you do the same.
Consumer complaint received 2024-06-03
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (NY)

Saturday XX/XX/year> I received a phone call from Chase Bank stating that they denied a purchase on my credit card for {$490.00}. I do not have a Chase Credit Card, and it appears someone opened a fraudulent account with my information for a credit card.
Consumer complaint received 2022-05-06
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. (OH)

My identity has been stolen by XXXX XXXXXXXX XXXX XXXX XXXX XXXX Na XXXX XXXX XXXX XXXX 

I have attached below my reference number for my identity theft FTC report number. 

XXXX has sold nonpublic personal information to several third parties and has furnished unknown & unauthorized debt on my credit report without my Written permission. I have asked XXXX  to provide a valid contract which is, Validation of debtthat is actual accounting, Verification of their claim against me ; that is a signed invoice, and a copy of the contract binding both parties in a letter by certified mail so that their is a witness to it having been delivered. 
However they have only provided a loan verification & truth & lending disclosure. 
I have let XXXX  know that Ive never had any business with them. They have stolen my identity and has failed to provide valid proof as stated above. 

On XX/XX/2022 i spoke with XXXX XXXX XXXX who stated XXXX is our client. Their statement validates that they have stole me identity along with XXXX  XXXX has sold non-public personal information to XXXX XXXX  without my knowledge or written permission. XXXX XXXX XXXX continues to furnish unknown & unauthorized debt on my credit report without my Written permission. I have let them know that Ive never had any business with either XXXX nor XXXX XXXX. XXXX. 
this is a clear violation of my rights. 

XXXX XXXX XXXX XXXX XXXX. Has stole my identity and sold non-public personal information to third parties without my knowledge and written permission. 

These accounts and the credit bureaus also violated my rights under 15 USC 6802. States- NO financial institution is supposed to share my information to third party people. 

15 U.S.C 1681 section 602 A. states i have the right to privacy. 

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

FTC identity theft report # XXXX I have also attached proper documentation to verify my identity. 

Accounts XXXX XXXX account # XXXX. 
XXXX XXXX account # XXXX. 
XXXX XXXX account # XXXX. 
XXXX XXXX XXXX account # XXXX. 
XXXX XXXX account # XXXX
Consumer complaint received 2022-05-06
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. (GA)

I have called several days to request that XXXX XXXX to remove the credit card account from my credit report because I am just the authorize user. I was told that they can not remove the account for several reason. The first was because my card was still active, so i asked to closed my card account. After I did this they still refused to remove the from my credit report. I called the XXXX XXXX credit bureau department and they stated that my marital status was the reason why the account will not be deleted. Every time I request to speak to a manager the call disconnects. I am again requesting for the account to be removed from all three credit bureaus because I am not the responsible party on the account and the account is closed. Please removes immediately.
Consumer complaint received 2022-08-31
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: EQUIFAX, INC. (NY)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureau to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXXXXXX Date Opened : XX/XX/2019 Balance : {$0.00}
Consumer complaint received 2022-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have called several days to request that XXXX XXXX to remove the credit card account from my credit report because I am just the authorize user. I was told that they can not remove the account for several reason. The first was because my card was still active, so i asked to closed my card account. After I did this they still refused to remove the from my credit report. I called the XXXX XXXX credit bureau department and they stated that my marital status was the reason why the account will not be deleted. Every time I request to speak to a manager the call disconnects. I am again requesting for the account to be removed from all three credit bureaus because I am not the responsible party on the account and the account is closed. Please removes immediately.
Consumer complaint received 2019-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc. (IN)

XXXX XXXX refuses to mark our XXXX mortgage payment as made timely when we refinanced our loan to XXXX XXXX and payoff was sent via wire transfer to XXXX XXXX on XX/XX/2019 and the wire confirmation shows it was received in XXXX XXXX account on XX/XX/2019. XXXX XXXX erroneously claims they received payment on XX/XX/2019. I have reached out to XXXX XXXX twice regarding this error and they have researched it and still refuse to fix the error.
Consumer complaint received 2022-05-06
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. (CA)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-05-06
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA (WA)

I have attempted to lower my payments several times and have been told I have no options. When I am late I receive emails to contact them so they can help me. When I contact them, I am again told there are no options for me.
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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. 

Account Name : XXXX XXXX XXXX Account Number : 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-08-17
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: EOS Holdings, Inc. (KY)

XXXX XXXX - Representative asked for my by my former name. I asked " Are you a debt collector '' she kept telling me she could n't say until I verified the account which is in violation of FDCPA 807 False or misleading representations - ( 11 ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action. The debt in question is currently in dispute with the company who sent it over to this collection agency and I 've advised them of this before.
Consumer complaint received 2017-08-17
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA ()

Re : XXXX/XXXX studies at the XXXX XXXX XXXX XXXX ( XXXX ) / DOE Code : XXXX / ( XXXX ) - address XXXX. XXXX XXXX, XXXX XXXX, XXXX. Since DOE revoked the eligibility of XXXX, I applied for DOE deferment ; it was denied. Myfedloan then put the loan in IDR. Now Myfedloan put my IDR on hold. I can not make any payment, at this time. After XXXX lost its DOE eligibility, some of my colleagues did not complete MD and dropped out and became a member of " Wasteland of Education ''. I worked my way around this unjust system and found grant donors/loan lenders from XXXX to continue to study at XXXX. The education is valid within the entire XXXX and eligible for certification by the XXXX XXXX XXXX XXXX. Now I am doing XXXX in XXXX together with PhD in XXXX XXXX. I prioritize finishing the education started. The money I earned here is barely enough to pay my cost of living and studying over here. I can not make any payment to MyFedloan. Without at least IDR, this loan account will end up in unsuccessful collection. I need 4-6 years to finish. Then you will get your money back!
Consumer complaint received 2022-10-27
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 XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for 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 items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-11-19
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. (IN)

XXXX XXXX refuses to mark our XXXX mortgage payment as made timely when we refinanced our loan to XXXX XXXX and payoff was sent via wire transfer to XXXX XXXX on XX/XX/2019 and the wire confirmation shows it was received in XXXX XXXX account on XX/XX/2019. XXXX XXXX erroneously claims they received payment on XX/XX/2019. I have reached out to XXXX XXXX twice regarding this error and they have researched it and still refuse to fix the error.
Consumer complaint received 2017-08-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (IL)

I have had this same issue in the past with the original creditor XXXX and the collection agencies. This account has been closed and deleted from my credit report when I first disputed it with XXXX, copy of letter and response is attached, and once again now this new collection agency, I.C. Systems Inc.,  is claiming I owe them without even mailing me anything through the U.S. Mail or calling me on my phone. How is it that they are reporting to my credit reports a negative account that has been closed? I want them to delete this immediately from my credit report if I.C. System Inc. can not verify this alleged account according to the Fair Debt Collections Act.
Consumer complaint received 2024-06-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Control, LLC (CA)

While reviewing my XXXX account I learned that Credit Control LLC, a debt buyer, accessed my credit report without my knowledge or consent on XX/XX/year>. They subsequently contacted me on XX/XX/year> trying to extort money out of me for a discharged debt that was identity theft, and I responded via certified mail that I had no contract with them and that they were to cease harassing me about debts that are not mine.
Consumer complaint received 2024-03-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (TX)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXXXXXX XXXX XXXX Account Number : XXXX