davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-05
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. (TN)

In XXXX of XXXX, my husband and I filed a Debt Management Plan with XXXX XXXX XXXX and XXXX XXXX was listed. XXXX XXXX was contacted by XXXX XXXX XXXX and made aware of the plan.XXXX XXXX was paid the full amount of payment each month. In XX/XX/XXXX we were asked to come into the office to sign papers from XXXX XXXX home office concerning the XXXX. The office manager stated that the checks XXXX with held until these papers came, I asked why and told her " you can't do that '' she then assured me that they would be credited to the account and it would be ok. I read over the paper and me and my husband sign the papers. XXXX XXXX XXXX made the payments every month and was never late, we were then able to add extra money to the payments which helped us pay off the account the loan quicker the loan was paid off in XXXX of XXXX. After after checking my credit report I saw that XXXX XXXX had marked our payments XXXX XXXX and XXXX days late and that was the months the manager withheld the payment checks and the other checks that came in every month were all marked XXXX days late under the law a payment has to be an actual XXXX-day late, XXXX XXXX was aware of the debt management plan from the very beginning they were aware how the payments were going to be made and they were paid in full never XXXX days late and they kept coming up with excuses, it took me a long hard time to get even a letter from XXXX XXXX to say that the account was paid and closed. I called and tried to get this corrected XXXX XXXX refused to make the corrections to the credit reports of mine and my husband 's I would get excuses as that was between me and the credit bureaus I was also told that " well we thought you were coming in in person to pay it '' and I also would get excuses about how the mail was messed up. I charge that XXXX XXXX knowingly falsely and willingly damaged mine and my husband 's credit reports and will seek damages in court
Consumer complaint received 2020-11-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: KEYCORP (NY)

Date : XX/XX/2020 I followed up with KeyBank today to find out where my new bank card would come in as my bank card expires at the end of this month. I use my card today to purchase gas. My card was declined. I did called keybank back at XXXX today. The 1st representative that I spoke to shut my card off without my permission. I did not give any consent in any shape or form. The supervisor was listening to the prior phone call. They did state I never gave any permission for this individual to turn off my card. I will not have access to any of my money for 5 business days until my new card arrives. I work at a XXXX  during the week the same hours and longer than what the bank is open. I know will experience financial hardship as I have bills due this week. I am on able to purchase groceries for this upcoming week for my children and myself. I will Have late fees if I am not able to pay my bills on time. They have really put me in a financial hardship that will affect my family and our means of living. The bank said they are enable to do anything that they can not turn back on my card that I have to wait.
Consumer complaint received 2022-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CO)

My complaint is about Experian or possibly all the main credit reporting companies. PRIOR to XXXX XXXX erroneously reporting I was late with my mortgage payments, my credit score was in the mid XXXX 's ( excellent ). BECAUSE of a bank error by XXXX XXXX  my credit score tanked to mid XXXX 's ( fair ). XXXX XXXXk said they submitted that it was a bank error and yet my credit score is still DRASTICALLY lower than prior to their error. My bank statements prove every payment was sent like clockwork. The bank has verified this. What is the problem now? 

I am absolutely NEVER late on anything and I pay off ALL my credit cards each and every month. There is absolutely no reason for my credit score to remain in the XXXX 's vs mid XXXX 's where it has been for YEARS. 

I planned to re-fi my mortgage before interest rates went up but this situation has already make that difficult. What is my recourse?
Consumer complaint received 2021-08-25
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. (TX)

I have supplied Transunion Credit Reporting copies of my identity. including government issued photo identification, social security card and a copy pf my police report. Additionlly, a copy of my FTC fraud report. My request has been for Transunion to complete a thorough investigation from " XXXX XXXX. In which, is a fraudulent account reporting into my credit profile. I have asked Transunion to investigate for validation method not Verification. Transunion has accepted a bill from XXXX XXXX rather then validation of my identity. Considering, I am a victim of identity theft, I have requested for XXXX XXXX to supply myself as well as Transunion copies of my social security card, contract signed by myself, photo ID. XXXX XXXX has only submitted a billing statement. Transunion continues to report fraudulent, incorrect activity into my credit profile. I would like for further investigation to be completed.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-12-09
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. (MO)

Hi Transunion has a 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 XXXX transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my XXXX say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXX n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Consumer complaint received 2021-08-24
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. (CA)

I was given a forbearance by XXXX  in XX/XX/XXXX. When it came to resuming payments I asked if the 6 months could be added on the end of my mortgage but was told my only choice was to get a new 40 year mortgage where my payments would be approx {$2400.00} per month. During this discussion I resumed payments and as you can see from the attached statement from XXXX  XXXX XXXX, I have paid my mortgage monthly, EARLY and MORE than was actually owed. During this time XX/XX/XXXXhas reported me TWICE as being delinquent and my credit score has dropped 149 points. I have gone from having excellent credit ( which I worked very hard for ) to having bad credit and have been subsequently turned down for credit due to this. I called XXXX in XX/XX/XXXXand they completely admitted being in the wrong and said that they would make it right. But then in XX/XX/XXXXit happened again. Once again I called XX/XX/XXXXand was promised a letter and notification to the credit reporting agencies letting them know it is inaccurate. When I checked my credit score it just says that I made my account current, not that I was never delinquent so my credit score remains low. I have asked them to make this right and am not getting a satisfactory answer or resolution. They also processed a charge for an inspection in XX/XX/XXXXwhich did not happen. Please help!
Consumer complaint received 2021-12-09
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. (FL)

Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not putting on my Credit Reports : XXXX XXXX XX/XX/2020
Consumer complaint received 2021-08-25
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: BARCLAYS BANK DELAWARE (MA)

I GOT LAID OFF DUE TO COVID AND XXXX  XXXX  XXXX. I WAS UNABLE TO MAKE MINIMUM PAYMENTS FOR XXXX AND XXXX OF XXXX DUE TO UNEMPLOYMENT TAKING MONTHS. I HAVE NOW PAID THE PAST DUE BALANCE AND WILL CONTINUTE ON WITH MY REGULAR PAYMENTS OFF OF THE ACCOUNT. I HAVE NEVER HAD A MISSED PAYMENT SINCE XXXX. THE NEGATIVE REPORTING IS DRASTICALLY AFFECTING MY CREDIT PROFILE.
Consumer complaint received 2020-11-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Atlanticus Services Corporation (MI)

Fortiva Alert : Your Fortiva Credit Card payment of XXXX is due on XX/XX/20. Click the link to make a payment on your account now : https : XXXX I received a text from this phone number XXXX. When I called this number it asks for my social security number. I did not respond. I also tried calling XXXX but that wasn't a legitimate number just another possible scam. 

I received this text on XXXX at XXXX XXXX
Consumer complaint received 2017-11-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Bread Financial Holdings, Inc. (WA)

In XXXX of XXXX, I shopped at XXXX, XXXX, XXXX XXXX, and only browsed XXXX. After the purchase, I received credit cards from all 4 merchants. 

XXXX -- product returned immediately, but they still showed charges of over {$40.00} XXXX -- charged for partial order, but was not aware. In XXXX they sent the item and started sending me bills for over {$60.00}.

XXXX XXXX -- product received, but they were charging me {$37.00} for the yearly card. 
XXXX -- looked for a particular item and left. I still received a card asking for yearly fee. 

Tried to call XXXX XXXX several times as well as store customer service, but nothing was resolved. I finally received a call from XXXX on XXXX XXXX, they listened to my complaints about receiving cards and they said they will close all and clear the accounts. However, as of XXXX XXXX, XXXX, XXXX claims I owe them {$58.00}. Spoke with the number provided and told them that account was cleared by the bank. They insisted it was not. I am suspecting the other merchants will do the same, harass me until they receive the money they think I owe. I am hoping that someone will help us before anything else happens. 

These merchants and the XXXX XXXX XXXX are committing fraud. They should be penalized and punished every possible way. They are misleading the consumer. As for me, I will not shop at the above merchants again.
Consumer complaint received 2022-02-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (AZ)

I graduated with my XXXX in XXXX and XXXX in XXXX XXXX in XXXX. I have always been placed in deferment or Income based repayment with a zero payment due to my income earned from my work in the non profit sector. Most recently, with my {$18.00} state of Arizona government job Navient has calculated my IBR to be about {$67.00} a mo which I cant really afford being that Im even on rental assistance. I made my first payment XX/XX/XXXX because they said I did not qualify for the federal deferment with a FFEL type. However, they have now re-started my 25 year repayment time clock when I have been on IBR since graduation in XXXX and XXXX perspectively. I emailed Navient about a month ago via my online account and have received no response. My credit report was also updated once I made a payment stating 320 monthly payments left dropping my score about 30 points. I dont see an end in sight.
Consumer complaint received 2022-09-26
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. (VA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2018-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: General Information Services, Inc (TX)

I ' XXXX XXXX XXXX in Statement Say.. I am a Victim of Identity Theft. 

Explaining and Stating ' that Identity Theft Victims have additional Rights ' as States ', Local Consumer Protection Agencies, as well as ' the State Attorney Generals Office may enforce ' their own State Laws ' and Federal Rights Laws ' of Consumer Reporting. 

Compliant ' In ' the Request for the Removal of Background Information upon ' XXXX XXXX XXXX  Investigation of Inaccurate Information of Identity Theft since ' XX/XX/XXXX. 

Type of Problem ' as the CFPB brought Data Issues of concerns of Identity Theft for Investigation to my attention in XXXX. 

What Happened ' was Cause for an FTC Affidavit that was submitted to a number of Speciality Reporting Agencies regarding the Inaccurate Information in the continuing concerns of ( ID Theft ) since ' XX/XX/XXXX. 

What Company ' XXXX XXXX XXXX XXXX ( Phased-Out ) Who is Involved ' XXXX XXXX
Consumer complaint received 2021-12-09
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. (FL)

Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not putting on my Credit Reports : XXXX XX/XX/2020
Consumer complaint received 2021-12-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

Hello, I inquired my credit card issuer, capital one, to explore upgrades to my XXXX XXXX I upgraded my card based on the following information ; I had the option to downgrade to my original card, the physical card was to be metal, I would revive XXXX miles per dollar which I told equated to 2 % cash back. Once I found out some of the information I was provided with was invalid I requested my product change stop and I asked to keep the original card. My request was denied and I was told I could only get the XXXX XXXX XXXX which offered even less cash back then my original XXXX. The capital one representative lied to me and was not representing the facts when inquiring about the product change.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2022-09-26
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. (IN)

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. 
I 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 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 2021-12-09
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. (GA)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2021-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (CA)

RASH CURTIS & ASSOCIATES AGREED TO DELETE THEIR ACCOUNT OFF OF MY CREDIT REPORT IN THE EVENT I SETTLED THE BALANCE WITH THEM. I HAVE SETTLED THE BALANCE YET, THE ACCOUNT STILL REMAINS ON XXXX. XXXX AND XXXX HAS DONE THEIR JOB. DELETE THIS ACCOUNT FROM THE REMAINING BUREAU IMMEDIATELY! I HAVE ATTACHED A SOPY OF OUR SETTLEMENT LETTER.
Consumer complaint received 2021-08-24
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America, an old checking account has put " suspected fraud activity " on my account and closed the account. I do not do fraud, I have no clue how to do fraud, and neither do I want to do fraud. Someone has hacked into my bank account and did whatever it is that they did. Which I have no clue what they did. I did not take any money from anyone. It stated on the report the charge off amount is {$8600.00}. I have no clue who did it nor do I want any parts of it. I am a hard working mom of XXXX and I am in college for XXXX XXXX. I need to open up checking accounts for my children and I and I can not due to the fact that whoever did whatever to my account. I am very genuine and very honest. I would not ever do that. Once again I have no clue how that happened. Please, I am begging you to help me fix that issue.
Consumer complaint received 2022-03-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (CA)

The problem is with the Freedom Mortgage Company. On XX/XX/22, I sent the updated final documents that followed the loan modification period and asked the company to put my account on Auto pay through my bank. I asked them to make the monthly mortgage payment directly from my checking account. I sent the updated final documents through XXXX, and the tracking # is XXXX. I called the Freedom Mortgage company twice, and the customer services agent informed me that Freedom Mortgage had received the updated final documents. I also asked the agent to report that I called twice, asking Freedom Mortgage to directly take the monthly mortgage payment from my checking account. The agents informed me that he had noted my request twice. 
Nothing has happened so far ; no feedback from Freedom Mortgage, and the company has not put my account through the auto pay from my bank so I can pay my monthly mortgage payment as agreed. 
I have been dealing with this issue for more than 6 months now. This is the second time the problem is happening, and I have paid twice for the notarization.