davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Transunion XXXX  I tried calling 5 times a day. I wrote handwritten dispute 609 letters. Still no removal. This is becoming a hardship on me. 
XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX
Consumer complaint received 2023-08-16
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. (NC)

In accordance with the Fair Credit Reporting act 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 an account without my written instructions.

15 USC 1681e ( b ) ensuring maximum possible accuracy.
Consumer complaint received 2022-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

The Fair Credit Reporting Act ( FCRA ) mandates that all information contained in credit agency reports be checked for accuracy. I have requested that they verify a bankruptcy that is shown in my credit file as well as the source that is providing the information about the bankruptcy. I requested this over 90 days ago via USPS and have yet to receive a response.
Consumer complaint received 2020-02-02
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: GreenSky, LLC (CA)

1. Around XX/XX/XXXX, I noticed a " Hard Inquiry '' from " Greensky Financial '' on my credit report. 

2. I immediately contacted Greensky by phone. They told me there is an installment loan application under my name. 

3. I replied to Greensky that I have never inquired, requested, or applied for a loan at Greensky. They said they would investigate this fraudulent loan application and get back to me. 

4. On XX/XX/XXXX, approximately three weeks after first contacting Greensky, I still had not heard back from the company, and so I filed an Identity Theft case with the FTC. 

5. On XX/XX/XXXX I also furnished Greensky with the Identity Theft Report and requested to 1 ) close the unauthorized account, 2 ) remove any charges on the unauthorized account, and 3 ) remove information about this account from my credit files. 

6. As of today, XX/XX/XXXX, almost two months after I first contacted Greensky, I have not received any reply from Greensky whatsoever.
Consumer complaint received 2020-02-02
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: Experian Information Solutions Inc. (AZ)

Reviewing my credit report in XXXX XXXX and noticed a lot of errors, inconsistent, and incorrect information. Sent a letter to Experian and XXXX  on XXXX XXXX of XXXX via mail asking them for an investigation and to verify all the dates and amounts were correct and fix the incorrect reporting on my credit. They did not respond at all so I sent another letter on XXXX XXXX XXXX via mail, again asking for an investigation and proof. They still didnt respond to that letter so I sent a third letter on XXXX XXXX of XXXX certified mail so I have proof that they signed for my letter.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I recently fulfilled the terms of the Public Service Loan Forgiveness Program. My loans were paid in full, and my account is in Good Standing. 

TransUnion, however, incorrectly reported my student loan status as SENT TO COLLECTIONS/CHARGED OFF on my credit report. 

This was an egregious and detrimental error, and resulted in the loss of over XXXX points on my TransUnion credit score. Of course, as an adverse statement, it gets worse : it will stay on my credit record for 7 years if TransUnion does not fix it. 

Of note is the fact that both XXXX and XXXX reported the PAID IN FULL/NEVER LATE status of my loan account after I completed the PSLF program.
Consumer complaint received 2015-03-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

TOO BIG TO FAIL AND CARE We are in our XXXX, after our last child went off to college in XX/XX/XXXX, we decided to downside and move into a smaller place. In XX/XX/XXXX, we paid down on our dream home. This is an XXXX and half bedroom condo in the heart of XXXX -- - ( no car needed ) XX/XX/XXXX, we were informed that BOA had sold their XXXX units to XXXX XXXX, an out of state acquisition company. A meeting was held on XX/XX/XXXX, by the new purchasers. At this meeting, we the few owners were informed that because they ( new owners ) were the majority stakeholders, they could do away with the condo Bylaws. Thus the Bylaws were amended and the new board appointed. 
We were told the following : Sell our units to the new owners at the same price which was given to them by BOA Continue to live in our unit -- -knowing that the building will no longer abide by the condo Bylaws, but instead will be operated and managed as an apartment complex. 
We were also informed that we will never be able to sell our unit on the open market because of the rental average of the building. 
Our condo was purchased in good faith. We 'd everything that was right under the law. The present situation we are in is no fault of ours. The housing market tanked, and BOA did what was best for them -- -sold their units to the highest bidder -- - NOT CARING ABOUT HOW THEIR DECISION WOULD AFFECT THEIR HONEST CUSTOMERS THAT PURCHASED AND HAVE MORTGAGES WITH THEM. -- -- TOO BIG TO CARE. The investors on the other hand needed to realize a profit quickly changed the Bylaws to protect their investment. Who cares about ordinary Americans like us no one? We are the casualty of the housing bubble. We could have walked away them this situation like many other American, but we did n't because we are honest FOOLS.
Consumer complaint received 2023-03-17
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)

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. 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. An 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. GOVERN YOURSELF ACCORDINGLY!
Consumer complaint received 2020-02-02
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC (NJ)

i went to a hospital in emergency after an accident on, i was charged over $ {$6000.00} by the XXXX XXXX XXXX XXXX XXXX hospital which my health insurance paid, there was no delectable after complete payment left, after a 2 months i have received debt collector letter to pay amount of {$19.00} or they have written in big bold letter that it would be sent to all 3 credit beuro, i disputed this charge but they are not even bothering to listen or respond and keep sending robo calls on my phone nos harassing me to pay or it would be sent to credit beuro
Consumer complaint received 2020-02-02
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. (FL)

I did not authorized these following inquiries below : They have been affecting me from getting credit. 

XXXX Inquiry date : XX/XX/XXXX XXXX  XXXX XXXX Inquiry date : XX/XX/XXXX XXXX  XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX - XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX   Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX  XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX   Inquiry date : XX/XX/XXXX XXXX
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WA)

I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. There are multiple fraudulent items on my credit report. I have submitted multiple disputes and FTC report regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2020-02-02
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. (FL)

I did not authorized these following inquiries below : They have been affecting me from getting credit. 

XXXX Inquiry date : XX/XX/XXXX XXXX  XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX  XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX - XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX-XXXX  Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX   Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX  XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX   Inquiry date : XX/XX/XXXX XXXX
Consumer complaint received 2018-08-21
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is being sent in response to notices sent to me from " XXXX XXXX XXXX '' and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed, and validation is requested.
Consumer complaint received 2018-08-21
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

This is being sent in response to notices sent to me from " XXXX XXXX XXXX '' and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be  advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed, and validation is requested.
Consumer complaint received 2022-07-08
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: EQUIFAX, INC. (MD)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2020-02-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (FL)

Last year I received a letter on my mailbox and it says : if I open a Chase account I would get a welcome bonus which supposed to be {$300.00}. And then I opened a Chase Account, and I always deposit my checks on that account, but unfortunately I didnt receive any bonus at all. 

They make people open an account by making word games, and even after I open an account, they do not give a welcome bonus, and this is not really fair.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2022-02-07
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. (NJ)

I noticed a few accounts and inquiries on my report that I do not recognize 2 from XXXX XXXX 12 inquiries from XXXX XXXX which makes no sense at all XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX
Consumer complaint received 2020-02-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I went to a bank of america on XXXX XX/XX/2020 to deposit in my business account at XXXX XXXX XXXX XXXX, XXXX, MD XXXX XXXX. I gave her {$4900.00} and the teller says she only received {$4900.00}. At the time, I didn't know what to do and I was in a hurry, but more I think about it, more I think she just pocketed my {$60.00}. This is the first action I am taking.
Consumer complaint received 2020-02-02
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. (WA)

I owe XXXX XXXX  approximately {$100.00}. They reported me to the credit bureau for {$1600.00} under XXXX XXXX Also XXXX XXXX reported me to Experian for a XXXX  bill I am not aware of. I dont know who this XXXX XXXX XXXX company is or where they got my information but they are guilty of fraud!!!
Consumer complaint received 2018-08-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (FL)

I opened a Performance Select Checking account online on XX/XX/28 with PNC Bank. 

My opening deposit was {$2000.00}. 

Since opening the account, I have been unable to set up an online account or obtain a Debit Card. I am completely restricted from my funds.

I have called twice to either obtain online access or have them mail me a Debit card. Both times they say that I have to visit a branch, even though they have searched and found no branches within 150 miles.

I can't even get them to mail me a signature card, which they say is also needed for the account.
Consumer complaint received 2018-08-21
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC (NM)

I have an account I am paying off with National Credit adjusters, and have been steadily working on this debt It accorded because I lost my job. Last month XXXX, at National credit adjusters told me there was another debt that came to them that was a collection. He gave me the information on the pay day loan, and I researched it, and this was not my debt. I never took it out, and was never obligated to this aledged debt. The only in question is in the amount of {$2800.00}, supposedly initiated in XX/XX/2016. Their number on the loan is # XXXX for XXXX XXXX. The number assigned to Ntional Credit Adjusters is # XXXX. This is a fraud account and not mine. I want to dispute it and have it off of my bureau. XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-10
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 XXXX XXXX XXXX XXXX XXXX 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 2018-08-21
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (IL)

Experian has sent a refusal to investigate my credit file claiming a Suspicious Request which is a FCRA violation. XXXX  and XXXX have started investigations based on the exact same request, I sent required information i.e. their internal file number. Additionally, Experians delays add up to more than 30 days which also violates FCRA rules. I plan to take legal action but I want to create a paper trail. 

Experian XXXX ACCOUNTS XXXX  XXXX XXXX not mine XXXX  XXXX XXXX not mine XXXX   XXXX XXXX not mine XXXX XXXX not mine XXXX XXXX XXXX not mine XXXX   XXXX XXXX not mine XXXX XXXX not mine XXXX XXXX  XXXX not mine XXXX XXXX not mine INQUIRIES XXXX XXXX NA XX/XX/2017 unauthorized XXXX XXXX XXXX   XX/XX/2017 unauthorized XXXX XXXX NA XX/XX/2017 unauthorized XXXX XXXX XXXX  XX/XX/2017 unauthorized XXXX XXXX XXXX  XX/XX/2017 unauthorized XXXX XXXX XX/XX/2017 unauthorized XXXX XXXX XX/XX/2017 unauthorized XXXX//XXXX XX/XX/2017 unauthorized XXXX XXXX XX/XX/2017 unauthorized XXXX XXXX XXXX XXXX XXXX IL XXXX/XXXX  not mine
Consumer complaint received 2018-08-21
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: BARCLAYS BANK DELAWARE (NY)

On Friday XX/XX/2018 I noticed a {$160.00} charge from XXXX that I did not make, authorize, or have anything to do with. On Friday XX/XX/XXXX I called Barclays and reported the fraudulent charge and my credit card was cancelled and I was sent a new credit card. This was a pleasant phone call. On Tuesday XX/XX/2018 at XXXX XXXX I received a phone call on a recorded line from a fraud investigator from Barclays. I believe that I offended him when I asked him some questions to verify who he was because he started asking personal questions. The person was rude and accusatory. Though I repeatedly on the recorded line told him that I had nothing to do with the fraudulent charge he said he could not accept the charge as fraud. The conversation became unpleasant and I ended it. I called back a few minutes later and spoke with another fraud representative and that person reviewed the recorded conversation and came back on the line and apologized and said that she did believe the charge was fraud and stated that my account would be noted. On Monday XX/XX/XXXX I received a letter from Barclays dated XX/XX/2018 stating that the {$160.00} charge by XXXX was valid. I called Barclays again and unfortunately I was connected with another rude and accusatory fraud investigator. He many times did not let me finish my sentence. He eventually read the notes and listed to both conversations from my previous calls and removed the fraudulent charge. In addition to being rude and accusatory he was condescending. The fraud " investigators '' are poorly trained and not very good at their job if they though that this {$160.00} charge from a company based on another continent was a valid charge. I had no prior history of disputing charges. If there is a profile for consumers fraudulently claiming charges are valid I assure you that I do not fit this profile. This was a terrible experience and I am hopeful that others share their stories.