davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent dispute letters to the three major bureaus, XXXX, XXXX, and Transunion dated on XX/XX/2022. These letters were sent certified mail with a return receipt. 

The return receipts were stamped on : Transunion XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022. 

I sent a 30 Day No Response Letter on XX/XX/2022 ( for XXXX ) and XX/XX/2022 ( XXXX & Transunion ). They all were stamped received on XX/XX/2022 According to FCRA, the bureaus have 30 days to respond to my dispute letter. That did not happen and now they are refusing to remove the unverified accounts. 

I would like the accounts that were not received within 30 days to be removed permanently from my report.
Consumer complaint received 2022-03-17
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)

Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.
Consumer complaint received 2022-03-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY (MS)

This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Consumer complaint received 2023-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

I see 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 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXXXXXX Balance : {$330.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2019-07-11
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: Nelnet, Inc. (MN)

I have student loan under my name and cosigner, with Firstmark since XXXX which is a Federal student loan service provider and does not service Federal student loans. It only provides service for private educational loans. I was making auto debit payment option that offers me the peace of mind that comes with knowing my loan payments are being made accurately and on time. In XX/XX/XXXX, I notice my credit score drop by over 100+ point, and found out that it was missing of few payment on my loan and, I then contact Firstmart for more explanation. I was told that my cosigner file Bankruptcy, because of that they did not take my auto debit payment, they just report to all credit bureaus with out my knowledge. Firstmark did not send me letter or email or get no single call. They did said they will try to fix the situation, by this time damage was done. I was on process of buying house to my family, and I get deny because of this. Somehow it have been fix but it was too late. And then they did it again on XX/XX/XXXX with same unfair reason. My credit score drop by huge number again. I was told that I am not able to sign for auto debit payment no more and Firstmark can not contact me or send me reminder for payment, I had to remember every month to call and make payment because the status of the loan is bankruptcy. why me? I am human I could forget payment, and Firstmark did send reminder to every customer who are late from their payment but not me. I am the one who took the loan and I never say I would not pay. I only own {$290.00} from XXXX total. Its not fair for my family going through all this and pay all this price just because my old cosigner file bankruptcy. I am still paying but all I asking them that to fix the situation which they told me not this time. This matter affect my XXXX  little kids life and my whole family. its cost me a lots to fix their first mistake and now back to problem. They are so fast to report late payment without one single attempt to contact me is affecting so many life.
Consumer complaint received 2022-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I disputed a incorrect listing on my credit electronically on the Experian web site, of which I am a paying member. 
The dispute was finished within 2 hours.

Nothing changed but Experian lowered my FICO score by XXXX points just for filing the dispute. 
This is vindictive and against all Fair Credit Reporting laws.
Consumer complaint received 2022-03-17
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: PNC Bank N.A. (MI)

On about XXXX XXXX, I applied my credit for a personal loan through PNC bank. On XXXX XXXX I called PNC via telephone and spoke with a spokesperson whom told me that I was DENIED a personal loan for whatever reason. She also stated that I will be receiving a letter on why I was denied MY OWN CREDIT!! ! As a consumer and according to the USC LAWS, I am allowed to have multiple loans out without it being held against me. Mind you, I already applied for XXXX loans before and was APPROVED! Why all of a sudden, this time I get denied? According to the USC laws 12 1431, banks are borrowers and can never deny me of anything! Pnc has broken numerous of USC LAWS. I am also going to attach the laws that PNC has broken and I will be filing a complaint with the XXXX. A copy of this letter will also be given to the attorney general.
Consumer complaint received 2022-03-17
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. (AZ)

Hello, I signed for a XXXX XXXX for my brother, XXXX XXXX. There was a car accident then the car was totaled out ( ruled by the insurance company ) and completely paid in full and in GOOD STANDING due to the XXXX XXXX 

XXXX XXXX XXXX XXXX has been refusing to remove this from my account for months even though this situation has been resolved for years. I have proof that it is correct on my brothers credit, but they are refusing to update on my credit. I want it remedied immediately because it is causing issues with me getting future lines of credit for anything my family needs. XXXX
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc. (LA)

On XX/XX/2024 I sent out a letter to Experian about inaccurate and incomplete information on my credit report.i asked to see original documents from those companies with my signature on it to verify the accounts or delete them immediately.
Consumer complaint received 2023-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

This is my numerous 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 an alleged fraud or extortion. 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 XXXXXXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$7500.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$5500.00} XXXX XX/XX/2022.
Consumer complaint received 2022-03-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: GOLDEN 1 CREDIT UNION, THE (CA)

My name is XXXX XXXX, and I bank at Golden One in XXXXXXXX XXXX, off XXXX. I've had problems with deposits to my accounts, being pulled out ; illegally, I spoke to XXXX different tellers, XXXX being a banking XXXX, and no assistance was given to me, my funds were taken, and never credited back to my account, this has been an ongoing issue, prior to this bank changing locations, here in XXXX XXXX, I am also displaced as a result if a specific form of harassments, from affiliates of my sons, who unfortunately, in their youth, joined a group of militia, and this has been an ongoing night, because of the harassments, along with illegally being displaced from my homes, forced into the streets, and sleeping outside. Over a decade, I have endured various forms of harassments, my banking should not be affected illegally, this is privacy issues, theft, discrimination, and embezzlement. XXXX check that I deposited back in XXXX of XXXX, was XXXX, and the bank pulled it, another occasion, where I emailed a gentleman working there, in XXXX, XXXX, someone pulled XXXX, then its various hits XXXX here, XXXX there, all of which had been appropriately reported, from an email address of XXXX, no assistance, and in fact, I have not been able to access that particular email account, for a variety of malicious reasons, and evidence. Please give me a call to further assist. I appreciate your rapid response.
Consumer complaint received 2019-08-08
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I applied on a XXXX website, XXXX, and the parents said that they were relocating from California to XXXX. They sent me a check of {$1900.00} and said that they want me to get two {$500.00} and one {$300.00} gift cards from XXXX. The money had already came to my bank account so I thought that the check was legit. I got the gift cards but then they said that they are running low on funds as the realtor needs more money to furnish the apartment so they wanted me to use the {$400.00} which is suppose to be my weekly payment as well as {$100.00} from groceries to get another gift card of {$500.00}. I got the gift card but didnt give it because I was suspicious. The next day my bank account balance was $ XXXX. I filed a police report and talked with the fraud department at Bank of America but they said they cant do anything since I made the purchase. I was able to get a refund on the last card that I didnt give.
Consumer complaint received 2019-08-08
Product: Credit card or prepaid card — Government benefit card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Conduent Incorporated (GA)

On XX/XX/XXXX at XXXX XXXX. I called customer service with a question. Asking why I couldnt see my XX/XX/XXXX transactions. They informed me they would put a ticket number about the problem and have someone call me back. I never heard back from them. So on XX/XX/XXXX at XXXX XXXX. I called about the problem. I was informed that I couldnt go back that far on line. They would have to send me a copy through mail. As of XX/XX/XXXX I have yet to receive my transaction from XX/XX/XXXX which I dont understand at all.
Consumer complaint received 2022-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NV)

I have informed the credit reporting agencies there has been identity fraud done against me. It is against the law to report any fraudulent information towards my credit report. The law states all information reported should be accurate. This affecting my life and me providing for my children, this has dropped my credit XXXX points. I have no dealings with XXXX XXXX XXXX XXXX XXXX there are other items that are on my credit report that are reporting fraudulently. I demand immediate removal, as I'm prepared to file a lawsuit if nothing is done about this immediately. 

Following account was fraudulently opened : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX opened date : XXXX XXXX account type : collection original balance : XXXX
Consumer complaint received 2022-03-17
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: PNC Bank N.A. (AR)

I will enclose a breakdown of all payments which I have made and have supplied copies to PNC Bank. I have called this company almost every week sense XX/XX/2021. All I get is another agent wanting to go over the complete reason for calling and after a hour or more I get nothing. I have sent of XXXX letters trying to get a response and even sent a letter to the CEO again with no response. I have all but hired an attorney but that will be the next action I will have to take. I requested how I could get my pink slip once the loan is paid and got no answer. The last conversation I had was yet another agent which basically called me a liar and hung up on me. I want everyone to know what PNC Bank is about and to stay far away. 
I will provide my last letter and an XXXX breakdown showing all payments and balance as of XXXX. 
I have provided XXXX attachments to provide proof that what I have paid.
Consumer complaint received 2022-03-17
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: Receivables Management Partners, LLC (PA)

Agent reporting a medical debt because of a missed payment, yet never reported all the on time payments. Agent 's exact words to me wwre " We dont report ontime payments, only when you fall behind '' This is abuse and harrasement at its finest! 

I want this removed immediatley and I want action take against them. If they are going to report, then they need to report good and bad, and they have not! I want thsi removed immediatley!
Consumer complaint received 2019-08-08
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Bliksum, LLC (CA)

I was the victim of target marketing as LOANME bombarded me and others in my region. 
The address where I live and my income would usually disqualify me from such a large loan with a large interest amount. 
Despite LOANMEs knowledge that they were targeting low income individuals with limited to no ability to keep the loan payment up to date and force default. 
All it took was one time for me to hear one of the deceptive ads on the radio look up the info online and realize it probably was not a good idea but that is all it took for LOANME to get enough data to hit me from all angles. 

I was advertised to in all areas of my life including but not limited to : Phone Calls Text Messages Radio TV Billboards Internet Streaming XXXX Ads Phone Ads Mailers All it took was one time  for me to hear one of the deceptive ads on the radio look up the info online and realize it probably was not a good idea but that is all it took for LOANME to get enough data to hit me from all angles.

Once I searched it LOANME knew. And continued to offer me the deals despite the fact I rejected the initial time I looked up the info. XXXX is one of many companies who sell information on what their end users are looking up. LOANME pays for this data.

LOANME knows that individuals such as myself who live check to check with low income and no higher education are susceptible
to hard times and will get desperate soon enough and when that time comes LOANME will be the first thing these individuals think of because of all the ads from everywhere. 

If it was just ads there would be nothing wrong with these marketing strategies, however LOANME bought data from various companies to get info on the low income individuals such as myself, so LOANME can then use that information to focus their marketing on those individuals. This is the definition of target marketing and predatory lending.

The loan was paid out to me despite the lender LOANME knowing that I would not be able to pay the terms and would be in default. 
The reason why I would not be able to pay was because the terms of the loan were outrageous and only in place to maximize the lenders earning potential at the expense of myself. 

I feel I was taken advantage of due to the lenders knowledge of my income and targeted marketing to my region. They know that individuals in my region also do not have high levels of education and they can abuse and impose unfair tactics to these people and take advantage of them due to lack of understanding the complicated loan stipulations and transactions.
Consumer complaint received 2021-03-05
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. (MI)

The Mortgage lates on my credit report should not be on there. 

I contacted the creditor due to COVID and they told me they would not report this on my credit report due to an agreement and being on unemployment from COVID. 


This makes me very unhappy, as I'm trying to re-finance my house to get a cheaper payment and this is making it very hard.
Consumer complaint received 2022-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX  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 XXXX. 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 XXXX more than 21 times. XXXX 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
Consumer complaint received 2019-07-11
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 HAVE ASKED FOR PROOF THESE INQUIRIES ARE LEGAL. I GET NO PROOF. ONLY SAYS VERIFIED!! I have asked Transunion to remove these inquiries from my report. These are not inquiries from me. I have also mailed all of these companies to remove them or prove I approved the Inquiry and have not had any luck with any response. XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-06-16
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: Experian Information Solutions Inc. (GA)

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 Account Number : XXXX has violated my rights. Or list of inquiries 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.