davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-22
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I would like to know : 1. several years ago the highest credit score was XXXX, now its XXXX  2. how is this possible?

3. who gives these credit companies the right to up the scores at will 4. This has created millions of people that are now in a lower bracket and as such, now must pay more for credit!

This is a violation of law under the Rico act, as these companies are aiding major corporations to increase profits and they are doing it for increased income for themselves.
Consumer complaint received 2023-02-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A. (NJ)

Beginning XX/XX/XXXX, PNC Bank charged me fees of {$36.00} eight times and ending XX/XX/XXXX. The overdraw fees total {$280.00} I asked PNC consultant to return at least half of fees. She put in application for fee to be returned and was told because of my credit history the bank will not return any of the fees.
Consumer complaint received 2022-10-10
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. (NY)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

To whom this may concern, my name is XXXX XXXX, and this statement is being generated by me. Per the Fair Credit Reporting Act, accounts should not be furnished on my consumer report as they are in violation under, 15 U.S. Code 1681-B : the permissible purpose of consumer reports ( a ) in general subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instruction of the consumer to whom it relates. I never gave this consumer my written instruction or written consent to report anything on my consumer report which violates my rights as a federally protected consumer. No consent IS IDENTITY THEF! For this reason, I am demanding removal of these accounts IMMEDIATELY.
Consumer complaint received 2019-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: WELLS FARGO & COMPANY (CO)

I have two late payments on both of my student loan accounts. 

I also have a close Wells Fargo secure credit card account that is charged off and its still on my credit report.
Consumer complaint received 2019-04-25
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (IA)

The private loans have co-signers on the account. Navient continues to give inconsistent information to both myself and the co-signer. They are not being helpful with payment arrangements that are fitting for my budget. In 2018, I was enrolled in a program to become a XXXX  and I was working as a XXXX. Late payments and missed payments were still reported. I was XXXX  in a XXXX XXXX XXXX   as well and did not receive any information regarding forbearance, deferring nor possible forgiveness. These loans were given to us and the terms and conditions were not clearly explained nor understood.
Consumer complaint received 2019-09-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: KEYCORP (OH)

On or about XX/XX/2019 I went to Key Bank in XXXX Ohio to open a checking account per their mailing. The offer states to get {$400.00} open a checking account with a one single deposit of {$500.00} or more within 60 days of opening account. When I got to the bank they informed me that I have to make {$500.00} deposit every month. Nowhere does it says you have to deposit {$500.00} every month. This seems to be a bait-and-switch tactic on the part of the bank
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2019-09-22
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HUNTINGTON NATIONAL BANK, THE (OH)

On XX/XX/2019 I went to Huntington Bank in XXXX to open up account that would pay {$200.00} if you made a deposit of {$10000.00} and maintained for 60 days. The lady opening account open the account that I did not ask for. She closed that account and open the account that will pay me the {$200.00} but forgot to put in the promotional code XXXX. The promotion stated {$10000.00} cumulative deposits have to be done within 60 days I deposit {$25000.00}. I've talked to a XXXX XXXX on several occasions and he told me someone is investigating. This was a problem created by the bank but the bank will not correct the problem.
Consumer complaint received 2019-09-22
Product: Debt collection — I do not know
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: WINN LAW GROUP, APC (CA)

Winn Law group on the first hand will never answer their phone and will keep you on hold until you basically give up. I even went to their office location and was threatened that they would call the police. This lawyer has some sort of serious ax to grind with me personally and they are collecting on a debt that they already successfully garnished my wages and the full amount was collected until they came up with an amount and even placed a lien on my home. They go to court without even notifying me to defend myself and pray upon me as if I am some sort of evil person. This XXXX XXXX XXXX refuses to even call me or make any contact. How is this type of evil allowed to collect from a debt collector that will not take my calls and even let me know anything? 

I do not know what the original debt is can someone help me??? 

Also they list they are the lawyer for XXXX XXXX and XXXX???
Consumer complaint received 2019-09-22
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. (VA)

I contacted Transunion, XXXX, and XXXX 3 times requesting information on all accounts. I requested to see a copy of an original contract that I allegedly signed for all accounts. All 3 times all 3 credit bureaus have refused to produce documents showing my sinature on accounts that do not belong to me. The accounts are listed below XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX/XXXX
Consumer complaint received 2023-03-24
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: EQUIFAX, INC. (VA)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. Kindly update the following items that are affecting my credit : XXXXXXXX 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
Consumer complaint received 2019-09-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (CA)

Paypal.com will not let me close my account nor access it to check for transaction disputes. This involves accounts associated with paypal.me/XXXX and paypal.me/XXXX I can not close/login or contact support for my primary account. And the secondary account has the name of CARE GIVER and I am unable to amend this data or close the account or contact paypal via this account in regard to my primary account. 

I want to remove donation links as I am not 503 ( c ) paypal.me/XXXX and paypal.me/XXXX  A video of me attempting to login with correct password is available at XXXX and XXXX has screenshots
Consumer complaint received 2019-04-25
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: Experian Information Solutions Inc. (CA)

two XXXX XXXX XXXX accounts are reporting under my name on experian and XXXX credit reporting agencies, these are fraud accounts ans inaccurate reporting, i have not inquired or applied to these irrelevancies, i have never given permission to anyone to open these accounts they were opened with out my knowledge, please help me to have these fraud accounts removed from two bureaus. appreciate your help towards consumers, i XXXX and found out that you could be able to help me, since no one else could. 
please these accounts are fraudulent and need be taken care of as soon as possible thank you for your help
Consumer complaint received 2019-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I applied for an account with XXXX and they denied me even though my credit is in good standing because of wrong information from Experian. I have submitted claims with experian and they are reporting my credit at XXXX which is not. I have paid most of my credit cards off and resolved my judments a while ago but experian is still showing outdated information. I also show 11 inquiries on my credit which were done by an auto dealer and I did not authorized that many inquiries. Those are still showing on my report since last year and have not been cleared!
Consumer complaint received 2019-09-22
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. (VA)

I contacted XXXX, Experian, and XXXX 3 times requesting information on all accounts. I requested to see a copy of an original contract that I allegedly signed for all accounts. All 3 times all 3 credit bureaus have refused to produce documents showing my sinature on accounts that do not belong to me. The accounts are listed below XXXX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-04-25
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: EQUIFAX, INC. (IN)

I have contacted Equifax multiple times and they continue to blatantly disregard my rights as a consumer by law. On XX/XX/XXXX, I mailed a dispute to Equifax in regards to an account listed on my credit report as XXXX XXXX with an account number of # XXXX. I have no knowledge of this account and I have requested MULTIPLE times from Equifax, to please send me documentation confirming that the account they are reporting under my social security number is accurate and belongs to me, however all I continue to receive are " Updated '' and " We verified this item belongs to you '' automated letters, and I am highly frustrated with this illegal reporting. I would like to forge forward with a righted disputation challenging what likely is an inaccurate, untrue, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, metro 2 compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey. I have been disputing this account for many months. I have also disputed this account due to inaccuracies that I have noticed with Equifax and another bureau that this account is being reported to. Again, I have not received any verification of this account, and in addition to that, Equifax was reporting an open date of XX/XX/XXXX however XXXX was reporting an open date of XX/XX/XXXX. As you know, this is not allowed under my rights and also a clear indication that this information was NOT properly verified upon you receiving it. If this is the same account, how is the supposed verified information listed on my credit profiles different from one another? This is not possible and because of this inconsistency, please delete the following account from my credit profile immediately as I have REQUESTED MULTIPLE TIMES. I asked that this account be DELETED, not " updated '' or " verified. '' This is a blatant disregard of my rights as a consumer and this is my last step before contacting the XXXX XXXX XXXX Federal Trade Commission, and my Attorney General. I sent a follow up dispute letter last month in XXXX and received the same response.
Consumer complaint received 2019-09-22
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. (NC)

I've been in contact with transunion for over 6 months. This company continues to report information from a XXXX XXXX on my report. Specifically a item from green dot bank. I've reached out to XXXX XXXX XXXX and they have agreed my information does not match this file! 

They refuse to remove this item from my report as both XXXX  and XXXX  have already done. 
I've made it clear to transunion that section 609 of the FCRA makes it clear this information needs to be verified. I've asked for many documents that show this is my card or account, transunion has not provided it. 
I've exhausted all options to get this removed. 

This is not my account. The social, the name, etc do not match.
Consumer complaint received 2019-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Capio Partners, LLC (FL)

XX/XX/2019 {$67.00} Assest Care LLC XX/XX/2019 {$120.00} Assest Care LLC XX/XX/2019 {$170.00} Assest Care LLC XX/XX/2019 {$77.00} Capio Partners XX/XX/2019 {$470.00} Capio Partners XX/XX/2019 {$110.00} Capio Partners they these charges on my on my credit reportold debt tried to call Assesst Care LLC and Capio Partners they will not give me any information on these debtsThis debt fell off and they made multiple robo calls hanging up on me prior to entering it after multiple calls to me hanging up
Consumer complaint received 2019-04-25
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (OH)

Caliber Home Loans Foreclosed On Me and My Wife XXXX, XXXX XXXX They Won the Foreclosure!! However We Won a Judgement of XXXX Dollars Against XXXX XXXX XXXX Which was Our Credit Life and Disability Insurance Provider and as I Became XXXX They Denied My Claims But in Court They Lost Which Honorable Judge XXXX XXXX Awarded Me XXXX Calibers Attorney XXXX XXXX from XXXX, XXXX and XXXX XXXX XXXX in XXXX Ohio Agreed to a Stay UNTIL My Award was Collected and I Have Been Receiving Harrasing Phone Calls Morning Noon and Night I Have Asked Them to STOP Told Them The Attorneys Names and Numbers to Contact Them and They Continue to Harass Me and My Wife All Hours of the Night and Day if Something Dont STOP THEM I WILL Once and For All!!!!!!!
Consumer complaint received 2024-03-04
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I hope this letter finds you well. I am writing to address a matter of concern regarding my credit report. Upon reviewing my credit history, I noticed that there a instances of late payment recorded on my account. I am writing to request the removal of this late payment from my credit report. XXXX XXXX XXXX
Consumer complaint received 2023-07-25
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. (PA)

In accordance with the Fair Credit Reporting act XXXX  account XXXX {$4000.00}, XXXX XXXX XXXX {$590.00}, us department of edu {$4200.00}, us department of edu {$590.00}, us department of edu {$2400.00} 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 2019-04-25
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: The Outsource Group, Inc (MO)

Several Accounts opened without my permission XXXX   {$3200.00} XXXX XXXX ( 4 ) Amounts {$120.00} XXXX XXXX XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX {$330.00} INQUIRIES : XXXX XXXX Credit U Inquiry from XX/XX/XXXX XXXX XXXX Payday Ln Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Credit Union XXXX XXXX Inquiry from XX/XX/XXXX Credit Union XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2019-04-25
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: EQUIFAX, INC. (IN)

I have contacted Equifax multiple times and they continue to blatantly disregard my rights as a consumer by law. On XX/XX/2019, I mailed a dispute to Equifax in regards to an account listed on my credit report as XXXX XXXX XXXX with an account number of # XXXX. I have no knowledge of this account and I have requested MULTIPLE times from Equifax, to please send me documentation confirming that the account they are reporting under my social security number is accurate and belongs to me, however all I continue to receive are " Updated '' and " We verified this item belongs to you '' automated letters, and I am highly frustrated with this illegal reporting. I would like to forge forward with a righted disputation challenging what likely is an inaccurate, untrue, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, metro 2 compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey. I have been disputing this account for many months. I have also disputed this account due to inaccuracies that I have noticed with Equifax and another bureau that this account is being reported to. Again, I have not received any verification of this account. As you know, this is not allowed under my rights and also a clear indication that this information was NOT properly verified upon you receiving it. If this is the same account, how is the supposed verified information listed on my credit profiles different from one another? This is not possible and because of this inconsistency, please delete the following account from my credit profile immediately as I have REQUESTED MULTIPLE TIMES. I asked that this account be DELETED, not " updated '' or " verified. '' This is a blatant disregard of my rights as a consumer and this is my last step before contacting the XXXX XXXX XXXX, Federal Trade Commission, and my Attorney General. I sent a follow up dispute letter last month in XXXX and received the same response.
Consumer complaint received 2019-04-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (FL)

Rushmore Loan management has illegally charged my Escrow account {$1600.00} in premium for a eight months insurance coverage and has denied to refund that amount. My condo has been insured always from the XXXX XXXX XXXX, they added coverage overlapping insurance coverage already in place and continues to answer that they can do it at will from the mortgage contract. The mortgage contract is clear that they shall not change insurance waivers unresonably.