davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Hi I am submitting this 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 us 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 homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2018-02-24
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: CORELOGIC INC (NY)

XX/XX/2017 CREDCO RE : Request for investigation of Unauthorized Inquiry I check my personal credit report and found an unauthorized credit inquired with your bank information I haven't give the authorization to any institution to check my credit. I request the you initiate an investigation to determine who authorized the credit inquiry. If, once your investigation is completed and you find my allegation to be true, please remove the unauthorized inquiry. if you find the inquiry to be valid, please send me a description of the procedure used in your investigation within 15 business days of the completion of the investigation. 
Thank you : XXXX XXXX XXXX
Consumer complaint received 2016-11-19
Product: Credit card — 
Issue: Billing disputes — 
Company: Continental Finance Company, LLC (FL)

this credit card company will take 8 days to apply a payment to my credit card after they know it 's been collected so that they can charge interest on the outstanding balance instead of applying the payment to the account right away they make you wait up to 8 days so that I can collect interest this is illegal and it 's wrong. I want to be compensated for the interest that they collected on a payment that was received and help for 8 days
Consumer complaint received 2021-11-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (SC)

My XXXX account was hacked and about {$300.00} worth of groceries and merchandise was approved for a delivery to an address in Colorado. I live in XXXX, SC and these charges should not have been approved by XXXX nor Wellsfargo! Wellsfargo has not issued a temporary credit and XXXX  says they cant do anything since some of the items were delivered. Name and address were both different from what is registered on my accounts. Again, these charges should have never went through! Wellsfargo has now also charged my acct. for being overdrawn as if my acct. was not on hold for fraud!!!
Consumer complaint received 2023-03-18
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. (NC)

This account that is being reported is identified as a repossession on XX/XX/2022 yet they continue to report late payments on XX/XX/2022, XX/XX/2022, and XXXX, XXXX. Since the Vehicle was no longer in my possession it would be impossible for me to Default on the payments after the fact. I have the Right to an accurate credit file and discrepancies like this are unacceptable so please immediately remove this account and its entirety from my credit file.
Consumer complaint received 2022-10-20
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Earnest Inc. (LA)

Thank you for all your efforts to protect the rights and freedoms we share today, and I appreciate your time to review my concern. On XX/XX/2022, the court granted preliminary approval for federal loan cancellation and refunded payments for class members who applied for the Borrower Defense to Repayment. The class action lawsuit, Sweet v. Cardona, which is involving predatory and fraudulent for-profit colleges such as the one I attended ( XXXX XXXXXXXX XXXX XXXX XXXX ), proves without a doubt that we have been absolutely and massively scammed and ripped off for thousands if not hundreds of thousands of dollars per applicant. It's wonderful news hearing we have received preliminary approval, but we need to also take a look at the private loans borrowers have taken out to attend these scam schools. Many of us have even more debt in private loans than federal loans, and we are still expected to pay it despite overwhelming evidence of fraud, mishandlings, losing payment records, deceit, and other criminal activity involving our loans and payments. We need to take action while this issue is in the spotlight, to have these private loans discharged in addition to the federal student loans. Loan balances through companies such as XXXX, XXXX, XXXX XXXX, and loan companies used for consolidation purposes ( such as Earnest, with whom my private loans are now held in the amount of approximately {$24000.00} ) should all be cancelled and refunded if those loans are taken out for a university on the list of fraudulent schools from the Sweet v. Cardona/Devos case XXXX
Consumer complaint received 2023-04-04
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: EQUIFAX, INC. (IL)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 an 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 crime which antedates the report more than 7 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 2023-09-07
Product: Credit reporting 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. (NY)

I have 4 hard inquiries on my report that were said to be pre approved offers from XXXX and will not be considered hard pulls on my credit report. Upon being declined the inquiries were hard pulls on my report therefore false advertising on XXXX. I will like these inquiries removed thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-18
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. (VA)

The XXXX XXXX XXXX account is not past due. The account is under investigation pursuant to The Fair Credit Billing Act ( FCBA ) which lays out consumers ' rights to dispute credit card issuers ' charges : Consumers have 60 days from the time they receive their credit card bill to dispute a charge with a card issuer. Charges must be over {$50.00} to be eligible for dispute.
Consumer complaint received 2023-07-13
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: OUT TECH, INC. (PA)

Youve received a signed letter by me so far & two complaints to stop contacting me & I received a collection notice from your company again today. Consider this a pre litigation notice. If you contact me again after youve been told not to I will sue & I will win as I know my rights. Stop the harassment or I will take legal action against your agency. Its a promise.
Consumer complaint received 2023-01-03
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. (FL)

I submitted a letter to the 3 Credit Bureaus to fix these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2020-12-22
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: Experian Information Solutions Inc. (IL)

TXXXX AND EXPERIAN IS STILL REPORTING INACCURATE INFORMATION ON MY CONSUMER REPORT WHICH IS A DIRECT VIOLATION OF THE FCRA. THIS IS MY 4TH TIME DISPUTING THIS ISSUE AND IT IS VERY OVERWHELMING. THE ACCOUNT NUMBER IS REPORTING TWO DIFFERENT NUMBERS AND ALSO THE DATE OPENED IS ALSO REPORTING TWO SEPARATE DATES. I HAVE SENT IN PROOF AND THIS ACCOUNT NEEDS TO BE REMOVED IMMEDIATELY AND IT CAN NOT BE UPDATED BECAUSE IT IS ALREADY A VIOLATION.
Consumer complaint received 2023-01-03
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. (MD)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX  XXXX DC XXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX XXXX XXXX XXXX XXXX : {$1700.00} XXXXXXXX XXXX XXXX Reference # XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Balance XXXX {$24000.00} ( Original Creditor : XXXX XXXX XXXX ) Balance : {$10000.00} XXXX XXXX XXXX XXXX : {$1700.00} XXXX XXXX  XX/XX/2021
Consumer complaint received 2022-04-28
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: Westlake Services, LLC (FL)

XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/21 no actions from company Hard inquiries on my credit report I didn't unauthorized
Consumer complaint received 2018-02-24
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: ALLY FINANCIAL INC. (FL)

Over the past Two years, I have sent approximately ( 5 ) certified letters to XXXX in regards to an unverified derogatory account listed on my Credit Report ( Ally Financial # XXXX ) Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that XXXX disclose to me all of the documents that they have recorded and retained in their file at the time of this request concerning the accounts that is reporting in my credit report. XXXX has responded to my request by saying that these accounts have been verified. XXXX has not sent me copies of the documents that they have in their files that were used to validate these derogatory accounts. As required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties are damaging my reputation and credit worthiness .... I also sent certified Debt verification letters to Ally Financial # XXXX however I never received a reply back. XXXX have ignored my request to provide me with the documents that their company have in their files that is used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. I have sent certified letters asking XXXX reporting agency to VALIDATED these accounts with proof of the Certified copy of the TRUE BILL ( not a statement ) and copies of Original documents with my ( Wet Seal Signature ) on them nothing has been sent to me showing the account was VALIDATED or Original Documents showing my Wet Seal Signature with certified copies of the TRUE BILL.
Consumer complaint received 2021-02-16
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)

Pleaseeee hellppp me and figure out why I have those accounts in my report. They are not mine but I am forced to file complains because otherwise I can not simply get rid of someone else accounts that are placed in my profile. This is ridiculous! I am very sad ... .. and its killing my report and my life planning .... Could you please investigate and remove them? I am hopeless that I can not do anything with wrong items in my own report ... Delete them after you make investigation.
Consumer complaint received 2022-12-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (GA)

A fraudulent transaction occurred on my Citi LL Bean credit card. Someone drew a {$8400.00} convenience check against my card. This generated a fee of {$330.00}. All occurred mid XXXX. Citi immediately placed the {$8400.00} into a disputed status and removed it from my account. However, there policy is that the {$330.00} remains until after the investigation which could last 60 days. They dont plays fees into dispute?? This makes no sense. I am getting notices of payment due. I have made 4 calls to Citi. Last two escalated to fraud investigation where I learned of this policy. They would not take the {$330.00} away. They agree I will be late on a payment and to my knowledge my first ever. My credit score dropped XXXX points when this occurred. Surely it will drop again when the account goes past due. Please help. My issue is no one at Citi above these hard working customer service reps were available for me to state my case. On each call I asked for some one with authority to handle call me. No way. I have to write then in XXXX XXXX. I assume and hope you can help so this frustrating experience can be resolved and maybe help others. Thanks.
Consumer complaint received 2019-09-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (NY)

On XX/XX/2019, I wrote to you requesting an investigation into items that I believed were INACCURATE. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time.
Consumer complaint received 2019-06-28
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. (MI)

After looking over my credit report there were inquiries being reported on my credit report by Transunion. 
1XXXX XXXX XX/XX/XXXX 2XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4XXXX XXXX XX/XX/XXXX 5.XXXX XXXX XX/XX/XXXX 6.XXXX XXXX XX/XX/XXXX 7.XXXX XX/XX/XXXX 8.XXXX XXXX XX/XX/XXXX 9.XXXX XX/XX/XXXX 10.XXXX XXXX XX/XX/XXXX I have also disputed with the creditors as well , I send them a letter that I have attached to this complaint, and Transunion is still reporting these fraudulent inquiries. 
I also tried disputing this online with the credit bureau but it does not allow me to. I tried calling and no help. Transunion is reporting NOT YET PROVEN COMPLIANT INFORMATION that requisites DELETION to avoid civil suit! They have detailed on my current Transunion Credit Report several ALLEGATIONS of inquiries that have NOT been adequately verified in a COMPLIANT MANNER as mandated per the FCRA METRO 2 reporting regulations, namely that they do not HAVE VERIFIABLE PROOF of PERMISSIBLE PURPOSE and the chichanary led subterfuge is UNLAWFULLY injurious to my credit and reputation which is a CLEAR INFRINGEMENT of my consumer and civil rights. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Obviously this is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Consumer complaint received 2019-06-28
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: American Elite Recovery, LLC (WI)

Was called by American Elite, a XXXX XXXX, he said they have attempted top serve me papers for the district Atty. Non of this took place. Said they will be tracking my phone to send a uniformed officer to my location. I said I was going to record the call and he hung up. 

This is the second time I felt with this company same tactics.
Consumer complaint received 2018-02-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BB&T CORPORATION (FL)

XX/XX/XXXX disaster ... Deposit not avail. Systems physically not available and once again BBT dropping the ball! I've filed a previous complaint and BBT had the nerve to give me an unfavorable review.. Lol! Really so I guess my concerns was petty until today when BBT entire system crashed and the XXXX and XXXX gave BBT the negative business in regarda to fees, deposit processing, and the attitude of branch staff at various locations.. The same concerns I voiced. I understand stuff happens yet as a consumer BBT has a bunch of unbalanced terms and conditions that only favor corporate profits.. Now you ask your members to be patient.. I scoff at that when my balance XXXX make XXXX deposit and BBT return fee me XXXX on a XXXX transaction.. Balance been XXXX since XX/XX/XXXX add XXXX equal XXXX all day long.. I want my XXXX back.
Consumer complaint received 2021-03-08
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. (AR)

Hey guys, My name is XXXX XXXX XXXX XXXX. 
I was going over my credit report and I wanted to get an account validation. 
Im in the process of getting my taxes and things in order and this is just something that I feel needs to be taken care of aswell. 
I am exercising my right to request validation on any debt that is alleged to me. 
In this climate of data breaches and such, I just need to be absolutely sure that none of my data has been compromised and used without my authorization. 
Im basically asking that you provide me with competent evidence that I personally have a legal obligation to pay you and that you are actually who you say that you are as well. 
When your offices provide the proper documentation as requested in the following declaration, I will need about 30 days to investigate this information. During such time all collection activity must cease and desist. 
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. 
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 
Im not looking to have you verify my name and address. Im actually looking for a few specific details and I will go ahead and list them below. XXXX
Consumer complaint received 2022-04-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (SC)

I have contacted Wells Fargo several times over the past few months. My main issue is that because of the pandemic my mortgage was placed in forbearance without my knowledge or consent. I am the co-borrower and the other borrower was allowed to take action without documentation or my consent. Because I no longer live in the home, I don't pay anything financially and I've been pushing to get this home out of my name. It i is absolutely ridiculous that the other person on the loan can obligate me further without my knowledge or consent.