davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

Back in 2013 my phone acctd funnyand started to open my bank accounts and I was seeing activity like my account information being open with out my consent when I got to the problem and reported it to my creditors they have locked my accounts and asked to me change password and phone since them fraudulent accounts starting apperaing on my credit report and I have discuseed this with XXXX and XXXX they did not listen finally send to the creidt agencies transunion and experian and for six months the information was removed after thet my information that i disputed after six months came back as accurate with no proof of claim I asked the creditors to send me proof of the debt and a copy of the application for the buiness account they denied it
Consumer complaint received 2018-05-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MST Financial Services, L.L.C. (ID)

XX/XX/18 I, XXXX XXXX, received a phone call at work stating I have an account in collections and my name isn't even on the account. It is NOT my debt and they didn't bother to confirm who the owner is. Apparently they have been harassing my previous employer about it and never once sent anything in the mail to advise me they had an account in my name or I would have disputed it previously. This account isn't mine nor have I ever had this account in my name. My wife has faxed over a letter today stating they are not to contact me any more especially at work. They need to confirm who this account belongs to. Also, I filed Ch XXXX bankruptcy and they show it was included.
Consumer complaint received 2024-04-03
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: HSBC NORTH AMERICA HOLDINGS INC. ()

I received a credit card i did not apply for from HSBC. 
I was not happy with the call to them + felt they did not take the fraud seriously. 
they did confirm they had cancelled when prompted but I do not want this to blemish my credit score. 
They provided a card with a XXXX limit - something i would have been refused should i have requested. 
I asked who signed for it- they said it was all done online. 
Seems they 'willy-nilly ' give away money without proper checks and I would be the one who suffered. I do not even bank with HSBC!!
Consumer complaint received 2023-02-13
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. (PA)

I am not liable for this debt with XXXX XXXX do not have a contract with any collection agency. They do not provide me with the original application as I asked for Proof of copy of the original application including my signature Full payment history from the original creditor, and original agreement showing they can legally collect the debt. If cant send proof delete this account from your credit report as soon as possible! This is under 15 USC 1692g because they were to notify me of this in writing 5 days prior but I was not informed at all!
Consumer complaint received 2023-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

When I reviewed my credit report, I discovered that some of the information was erroneous.The 3 credit bureaus must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item asunverified information without providing any proof within the period allowed by law. The item need to investigate and correct for erroneous reporting in my file and are listed on mycredit report. XXXXXXXX XXXX XXXX Date Opened : XX/XX/2021 Balance : Balance : {$15000.00}
Consumer complaint received 2024-04-03
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: Midwest Acceptance Corp. (MO)

These inquiries did not have approval to run my credit on XX/XX/2022, XXXX XXXX XXXX, MIDWEST ACCEPTANCE CORPXXXX, XXXX XXXX XXXX, XXXX. Please remove these from my credit report.
Consumer complaint received 2022-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2022-06-16
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: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX Accounts # 1.XXXX XXXX Bankruptcy Case Number : XXXX XXXX, 2. XXXX XXXX Account Number : XXXX, 3.XXXX Date of inquiry : XX/XX/XXXX 4. XXXX Account XXXX : XXXX 5. XXXX XXXX  Account Number : XXXX 6.XXXX  XXXX  Account Number : XXXX 7.XXXX XXXX Account Number : XXXX 8. XXXX Account Number : XXXX 9 XXXX Date of inquiry : XX/XX/XXXX Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX XXXXDate of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/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 Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Contact to remove all 3 people off my CCs as Authority Users. Please see below XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Also make they are not being reported to the credit reports anymore
Consumer complaint received 2022-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2020-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/XXXX, I submitted a dispute with TransUnion and tried to upload documents. Their website was not allowing me to associate the uploaded documents with the dispute as they required, so my uploaded documents didn't transmit. I called on XX/XX/XXXX and said I needed this dispute resolved as it was affecting my credit score substantially and I was trying to refinance a mortgage. 

They said the only way I could submit additional documentation was via U.S. mail to Pennsylvania which certainly wouldn't help expedite anything. They said adding additional information could extend the time as well. It is truly one of the worst customer service experiences I've had in many years. They do not care at all about expediting resolution of disputes and are still stuck in the 1950 's with postal mail.
Consumer complaint received 2020-09-10
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: TRUIST FINANCIAL CORPORATION (OH)

My car is financed through Regional Acceptance Corp. And my monthly payment is {$450.00}. 
I was laid off in XXXX due to Covid 19.

I called Regional and they agreed to a 90 day deferment. I explained that I would not be returning to work in that short of time. She said call back if I needed more time. 
I applied for a 2nd deferment when that ended and was approved with payments being due again on XX/XX/XXXX. 
I contacted them today with an additional deferment request as I have been told that I would not return to work until XXXX, XXXX. 
They denied my request for additional help. 
I explained that without the deferment the car would be reposessed because I have no means of keeping it paid at this time. 
They did not appear to care. 
Is there any recourse for me, or will I lose my car and have my credit ruined? 
Thank you, XXXX XXXX
Consumer complaint received 2019-03-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (CA)

I have contacted XXXX XXXX since XX/XX/XXXX about a " Borrower Defense to Repayment '' after I heard about the XXXX XXXX shut down during the same year. I contacted through phone call and through email again on XX/XX/XXXX. On the initial phone call, the person I spoke with said they will put my loan ( s ) on forbearance until they see if I can get the Borrower Defense to  Repayment. I had to fill out a questionnaire and some form for all of this and submitted it to them. I have emails from then and from various times since then saying that they will contact me soon, etc. I have never gotten any phone calls or emails or letters about my status. I have tried calling and left messages. I have tried emailing and keep getting responses that someone will contact me soon ; yet I have not gotten anything. This year, my forbearance has ended and they just started to bill me for my loans and asking me to pay. This should not have happened because my situation has never been resolved.
Consumer complaint received 2020-07-27
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA (NY)

I had a XXXX XXXX XXXX that was returned to Kia in XX/XX/XXXX, and another lease was started for my XXXX XXXX XXXX. At the dealership, I was told that all payments made that day would include last payment for XXXX XXXX as well as first payment for XXXX XXXX. Four months pass, and my credit score drops around 70 points. I see that I have late payments for the XXXX XXXX XXXX account because the last payment was not made. Unable to clarify with the Dealership and Kia motor Finance, I decide to make the last payment at that time and close the account. However, there continues to be an {$18.00} balance from Kia Motor Finance on my credit report. Everytime I call Kia motor finance, I get a different answer saying they don't see it on their side, another agent sees it and says he will contact the credit agencies, and another agent today says I should be " thankful '' my credit report shows {$18.00} because to her, it shows {$16000.00} and that the dealership never processed the car as returned. There is absolutely no transparency in Kia and never a clear answer to their mistakes. I called the dealership and conveniently, the manager and agent that sold me the car are fired, and still have not been able to settle the issue with Kia.
Consumer complaint received 2022-07-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/22, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against the credit bureaus if they do not validate these accounts. Please follow the law so that this situation can be settled quickly. 



XXXX XXXX Balance : {$590.00} XXXX XXXX XXXX Balance : {$25000.00}
Consumer complaint received 2020-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (VA)

On all three Credit Bureau that Small Business Loan that I have disputed and they know I did not apply for is on my credit report. I have never applied for a Small Business Loan and I do not have a business. On Experian it states this will not be removed until 2022. I sorry ; this is an inside job with these credit bureau, how would anyone know my pass addresses or that I am retired. I want this small business loan off my credit report. I can check my credit report everyday if I chose I have been back so many times. I just want it removed. I talk with the Small Business Administration now it needs to be removed from my credit report. Did someone there use my information to get a loan.
Consumer complaint received 2022-06-16
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BROKER SOLUTIONS, INC. (MS)

XX/XX/XXXX I began my home loan application with New American Funding. 
I was contacted by XXXX XXXX who was to be my Loan Officer ( XXXX # XXXX ). XXXX XXXX called me several times before sending me an email request for the following documents which were ALL provided to him either via their website upload page or email. The documents REQUESTED are listed below : eBorrower 's Authorization Agreement ( 1 page attached to the email ) Used by New American Funding to verify information using third parties if needed Be sure to sign and date this form Borrower History Form ( attached to email ) XX/XX/XXXX, XXXX AM XXXX - Your Home Mortgage Application - New American Funding - XXXX XXXX, Used by New American Funding to verify residence history and employment history/ and employment verification Paystubs Most recent 30 days and showing full name of employee and YTD W-2 and / or 1099 Most recent 2 years for all current and previous employments Bank Statements 2 months of most recent bank statements Include all pages even if the last page is left intentionally blank Do not white-out or black-out any information 401K / IRA / Annuity Quarterly Statement Include all pages even if last page is left intentionally blank Do not white-out or black-out any information Copy of a Valid Driver 's License or Government Issued ID After providing the requested documents, XXXX XXXX for a 3rd time pulled my credit which lowered my score again. I emailed XXXX XXXX for clarification. He assured me that my credit was great and I had nothing to worry about. Then I did not hear from XXXX XXXX for almost a month. He would not reply to my emails or phone voicemails. I had to call and speak to customer service and make a complaint. XXXX XXXX finally emailed me back saying he had XXXX for a 2nd time. He told me several time ( via email ) that he was finishing up a preapproval for me and would contact me but he never did. I sent numerous text messages and left number voicemails. I finally was given another person to work with XX/XX/XXXX by the name of XXXX XXXX. She requested that I send her all the email communications from XXXX XXXX ( which I did ). I was basically brushed off. I have never received any formal letter from New American Funding. I know in my heart I have been discriminated against. I provided all information and was told everything looked great. XXXX XXXX has never tried to contact me to provide me any information about my loan application. I don't know what my documentation was used for or who has possession of it. After two years, I still have not received any formal correspondence from New American Funding. I do however have ever email I sent to XXXX XXXX and if I received a reply I also have it. I want answers.
Consumer complaint received 2022-08-26
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. (FL)

I AM AN IDENTITY THEFT VICTIM. I AM WRITING TO DISPUTE THE FOLLOWING ITEMS ON MY CREDIT REPORT. EACH OF THE INQUIRIES ACCOUNTS AND TRANSACTIONS I AM DISPUTING WERE OPENED AND MADE BY THE THIEF, AND NOT BY ME. I NEVER AUTHORIZED, USED, OR BENEFITED FROM THESE ACCOUNTS OR TRANSACTIONS IN ANY WAY : I DISPUTE THE FOLLOWING ADDRESS ON MY CREDIT REPORT THAT I NEVER LIVED AT OR DO I KNOW ANYONE WHO HAS LIVED AT THE FOLLOWING ADDRESSES : XXXXXXXX XXXX XXXX XXXXXXXX, KY XXXX XXXX XXXX XXXX XXXX, KY XXXX I DISPUTE THE FOLLOWING NEGATIVE ACCOUNTS THESE ACCOUNTS ARE NOT MINE I NEED THESE ACCOUNTS OFF MY FILE IMMEDIATELY!!! : 1.DEPT OF EDXXXX ACCT # XXXX 2.DEPT OF ED/XXXX ACCT # XXXX XXXX ACCT # XXXX XXXX. XXXX XXXX XXXX ACCT # XXXX XXXX. XXXX XXXX ACCT # XXXX ATTACHED ARE A COMPLETED POLICE REPORT FTC REPORT CONSUMER FINANCIAL PROTECTION BUREAU COMPLAINT IDENTITY THEFT AFFIDAVIT AND XXXX XXXX XXXX DRIVERS LICENSE. PLEASE DELETE THE DISPUTED ITEMS FROM MY CREDIT REPORT WITHIN FOUR DAYS AS REQUIRED BY THE FAIR CREDIT REPORTING ACT.
Consumer complaint received 2020-07-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION (MA)

I filed a dispute over a transaction that I had made but services were not rendered. The bank allowed themselves 90 days to let me know of the outcome. They just said the merchant didnt respond and the dispute is closed. They said they tried to reach them a second time but it is still considered closed. I called to follow up and asked how am I supposed to get my money back? She just responded sometimes we cant help you. I am out over {$3000.00}. What kind of bank were supposed to trust with our money hardly puts up a fight for their customers? There is not further action they are allowing me to take with them.
Consumer complaint received 2018-07-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (NY)

I received a served notice stating that I was taken to court ( without notice in XX/XX/2018 ). Which I found to be false when I called the city court of XXXX. They stated they ( XXXX ) just filed something but it wasn't complete in XXXX. I called XXXX I was going to try to work something out, although this is not my debt. My information was taken by someone that was a visitor in my home. I explained to XXXX that I have no money I am on a fixed income with the federal aid. I can not afford to pay this debt that I didn't create. The letter I was served with is not correct and I think or feel I should not have to pay
Consumer complaint received 2022-06-14
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. (CO)

In accordance with the Fair Credit Reporting act XXXX 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 a account without my written instructions
Consumer complaint received 2022-07-22
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. (NY)

It has been found out that you are not REMOVING files when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a legalized response. In the event that you decide to not DELETE the accompanying things recorded beneath which are responding improperly because of fraud, I will hand my archives over to my lawyer to begin a lawful process. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX Balance : {$560.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$200.00} ; XXXX Inquiry Date XX/XX/2021 ; XXXX Inquiry Date XX/XX/2021 ; XXXX Inquiry Date XX/XX/2021
Consumer complaint received 2021-05-08
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: Experian Information Solutions Inc. (GA)

This is my third complaint against Experian in the last year due to their inability to report correct nfo that have been properly VALIDATED AND VERIFIED as a legal debt. They continue to report debts that they have not verified. 

XXXX XXXX XXXX - {$1000.00} Has not peoperly validated nornverified this debt and I have repeatedly disputed it with experian and they continue to allow them to re report with WITHOUT PROPER VALIDATION OR VERIFICATION.
Consumer complaint received 2022-06-14
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. (NV)

In accordance with the Fair Credit Reporting Act XXXX, these accounts have violated my rights : XXXX - XXXX XXXX  : Account number : XXXX XXXX XXXX XXXX : Account number : XXXX XXXX XXXX  XXXX Account number : XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX  XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX Account number : XXXX 15 U.S.C. 1681 section 602 A. states that 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.