davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-25
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. (AL)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. States I have the right to Section 609 you're required to send me original paperwork that verifies its account otherwise this is false information XXXX  Account NumberXXXX Please verify and validate all data for this unproven claim including the requisite certifiable Metro 2 Compliant Reporting Format Standard ( s ) and processes related. Please REMOVE or PROVE! Even document all dates and balances, personal identifiers, the 426 characters of the P6 statement and all of its trailing fragments, and any other necessary aspect of factual reporting!

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Consumer complaint received 2022-03-30
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. (NJ)

Inquiries : XXXX XXXX XXXXXXXX XX/XX/XXXX THE NAME OF CREDITORS AND DATE OF INQUIRIES : 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 According to FCRA ( 1970 ) 15 usc 1681 and CFPB. My latest credit inquiries are showing excessive amount of inquiries that I did not authorize.

15 U.S.C Section 604 A Section A : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2019-09-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Trident Asset Management, L.L.C. (AZ)

This organization has sent notifications to me regarding a debt that is not mine. I have mailed an affidavit stating such, and they have not removed this from my record. 

I never opened an account with this entity or any of its affiliates. I have stated this in my response affidavit to the alleged said debt of {$800.00}. I also do not have any credit cards in my possession at this time, other than two debit cards from two banks. I do not agree to any contract unless I can sign it with my wet-ink signature. Otherwise, I do not contract in any way. 

This organization knows this as I have explained it to them before. But they continue to send me itemized documents, balance sheets, payments and payment notices, et cetera, to an account I have never had anything to do with. They have not shown me any proof I hold an account with them, and they will not find such proof, thus needing to remove this damaging report from my credit report.
Consumer complaint received 2018-11-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (CT)

My complaint is regarding the Public Sevice Loan Forgiveness program servicer, Fed Loan Servicing at XXXX ( PENNSYLVANIA HIGHER EDUCATION ASSISTANCE AGENCY ). I have been attempting to go through the PSLF process since XX/XX/2017 after making 10 years of on-time payments while employed with a qualifying employer. Because of the whole " qualifying payments '' misinformation, I was directed to the Temporary Expanded PSLF. I was also denied for this process, again, because I was given bad information by XXXX XXXX XXXX. The entire PSLF process is just a rouse. They make the process purposefully cumbersome and purposefully provide bad information so that they can perpetually deny the applications they receive. It was easier for me to purchase my $ XXXX house than get through the PSLF process. This program never should have been given to a private servicing firm outside of the DOE, and of course, now that XXXX XXXX is in charge of it, nothing moves forward to help student borrowers.
Consumer complaint received 2019-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (AZ)

Navient loan services, formerly known as sallie Mae is reporting that we have a late payment every month and that we are defaulting on a student loan. 
This was a personal loan, cleared by Bankruptcy chapter XXXX filed back in 2009. They are saying I went to school at XXXX and that is incorrect, as I have attended the university. This was a private loan that they included themselves in and got payment from the bankruptcy. They have been calling and pretending to be a federal loan. This loan on the credit bureau, shows it is a charge off/ bad debt. Yet they report every month that its a late payment. They got money out of a chapter XXXX, marked our credit with bad debt/ charge off, and are now reporting that our payments were good up until a few months ago and are destroying our credit. While we are trying to go through escrow. 
This company is a fraud and they are liars. They started collections with XXXX a long time ago, and that is who we put in our bankruptcy. And when they changed their name to Navient they started to threaten by by phone this is unacceptable behavior.
Consumer complaint received 2017-01-20
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A. (NJ)

We opened an account with PNC earlier this week and they turned around and closed our account. My wife got a check from XXXX XXXX fro money that was left to her from her Dad. We went to the PNC in XXXX NJ to open an account. We told them up front we think we owe money and if we do we want to take care of that and open a new account. 
The opening of the account was approved b y the branch manager. with {$100.00} of the {$20000.00} check being clearded right away. then two days later Yesterday the entire check was cleared. Then they took out what was owed to them. then turned around and closed the account. they said corporate looked at the account and decieded to close it because of activities from past accounts. I said well what was owed was paid so I do n't understand what your talking about
Consumer complaint received 2021-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MA)

experian refuses to look at documention did not own the car as of XXXX have sent all documents all they have done is make it worse car was returned XXXX i am not the owner -- how am i responsible for taxes on a car i did not have -- i leased a new car on XXXX and paid the excise tax on that car for XXXX  cant people at experian see that on the documents -- and fix my credit asap -- please look at documents someone do there job LOOK AT DOCS -- dealer return vehcile receipt -- new lease agreement -- bill of sale -- I DID NOY HAVE THE CAR IN XXXX  -- READ DOCS i have had almost perfect credit for ever now it is all messed up and experian is at fault documents PROVE IT
Consumer complaint received 2022-03-30
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. (NJ)

Inquiries : XXXX XXXX XXXX XX/XX/XXXX THE NAME OF CREDITORS AND DATE OF INQUIRIES : 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 According to FCRA ( 1970 ) 15 usc 1681 and CFPB. My latest credit inquiries are showing excessive amount of inquiries that I did not authorize. 

15 U.S.C Section 604 A Section A : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2019-08-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Two of the debts on my credit report are inaccurate. The XXXX XXXX is not mine and the XXXX XXXX have no basis for reported debt.
Consumer complaint received 2022-07-11
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TN)

Ive been sending in disputes to remove these accounts off my credit. I didnt know these accounts where on my credit until I tried to purchase a home. These are not my accounts.
Consumer complaint received 2022-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

After review of my credit report I sent for a dispute on inaccurate information to Equifax, XXXX, and XXXX. It has been over 30 days and I have not received any response. 

XXXX is reporting the following incorrect information : Incorrect Name : XXXX, XXXX, XXXX & XXXX, XXXX, XXXX Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, OH XXXX Incorrect Employer : XXXX XXXX is reporting the following incorrect information : Incorrect Name : XXXX XXXX XXXX XXXX XXXX Incorrect Addresses : XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX Incorrect Employer : XXXX Equifax is reporting the following incorrect information : Incorrect Name : XXXX XXXX XXXX Incorrect Addresses : XXXX XXXX XXXX XXXX, OH XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, OH XXXX Incorrect Employer : XXXX
Consumer complaint received 2022-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

All XXXX credit bureaus are reporting inaccuran=cies in late payments all between XXXX XXXX and XXXX XX/XX/XXXX. All othe months are not correcty reporting informaiton. For example XX/XX/XXXX XXXX and XXXX says i am current but experian says im 30 days late.
Consumer complaint received 2022-06-17
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 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 us 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.with no help.
Consumer complaint received 2018-11-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY (GA)

American Express needs to delete, remove and block this fraudulent account on my XXXX credit report. I did not open this account. Someone used my name without my consent. I will contacted the consumer attorney as well as writing my Attorney General Office regarding American Express reporting a fraudulent account on my credit report.
Consumer complaint received 2019-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Due to identity theft, I placed a credit freeze with all 3 credit bureaus in XX/XX/XXXX. I removed the freeze early in XX/XX/XXXX, with all 3. For XXXX  and XXXX, the process was fairly easy. For Transunion, I had to request a new pin number, by mail, which I received in XX/XX/XXXX, and used to lift the freeze on XX/XX/XXXX. I recorded this date in my notes on the process. 

I recently applied for a line of credit, and discovered ( on XX/XX/XXXX ) that a freeze was ( incorrectly ) still in place with Transunion. I tried to remove the freeze online and received an error message. This launched me into a painful series of phone calls with Transunion, which spanned multiple days, and involved me being handed off to at least four different people, and ultimately being transferred to their " US call center ''. At my final phone destination, I spoke with someone who was able to resolve the error and lift the freeze, which I confirmed online while I was still on the phone with her. I also made it clear that I wanted the freeze lifted permanently, not temporarily. 

I know this removal worked, as my bank was able to successfully pull my credit from Transunion and complete my application for the line of credit. 

Yesterday ( XX/XX/XXXX ), I applied for a new credit card ... and was told that they could not complete the application because there was a freeze on my Transunion account. I immediately went online with Transunion ... and saw that the freeze was, in fact, back in place. I tried to remove it, and received the same error message that started the whole removal process that I went through a couple of weeks ago. 

This is ridiculous. This company has too much power to waste my time, interfere with my financial life, and create annoyance to have such minimal responsibility for correcting errors in a timely and painless way. I would like to see my problem resolved immediately ... but beyond that ... I'd like to see Transunion ( and the others ) being held to a higher and more appropriate standard.
Consumer complaint received 2024-02-24
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: LoanCare, LLC (MI)

I have been with Loan Care or XXXX XXXX XXXX XXXX. since XX/XX/XXXX and I have never been 30 days late with this mortgage company. One month I decided to make a payment online because I was reviewing my account details. When I made my payment online and selected the account number from which to process my payment and selected " Submit '' something happened in the process. I kept checking my bank account and the payment was not processed. When I called Loan Care they informed me that my check was returned. I told them that my bank does not show they attempted to process the payment out of my Extra... account. After speaking to several representatives and Supervisors, one person on the escalation team confirmed that Loan Care does have a glitch in their system and advised me to remove any unused account numbers from my profile. However, Loan Care refuses to accept responsibility for their error and now it is causing me adverse affect with my other creditors. Not to mention, 2 months later they sent me a letter and indicating that they experienced a data breach and my information has been compromised. I have requested a copy of the activity report for my online account for the day in which I made my payment on XX/XX/XXXX and I have not received any information. I do not have any late payments on my credit report on any of my accounts. As a result of this adverse affect of the derogatory information that Loan Care has reported on my credit report, it has caused adverse affect with my other creditors closing my credit accounts and reducing my credit lines. I was told by a Loan Care Representative that this same issue has happened to other customers and they fail to take responsibility. When I called in XX/XX/XXXX to make a payment with a representative she informed me that their system was down and she could not process my payment. The Customer Service Representative transferred me to the escalation department and a gentleman processed my payment. When I asked him about why the previous rep could not process my payment, and she informed me that their system was down and she was trying to work between XXXX systems. I would like The CFBP to initiate an investigation of the unethical practices of XXXXXXXX XXXX a.k.a. Loan Care Servicing. If they have compromised the integrity of my credit for the sake of saving face for the credibility of their company, I have reason to believe that there are other consumers that may have been impacted. I am willing to go to the News Stations to report what has happened to me so that Loan Care is not able to do it other consumers. I selected the last 4 digits of my account ending in " ... 3. '' I did not select no other account. The XXXX advised me to go online and delete any other accounts from my profile once this happened so that it would not happen again if I elected to pay online. I followed her instructions and deleted the erroneous bank account information on my profile that Loan Care told me they could not remove.
Consumer complaint received 2018-05-14
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. (TX)

I sent two certified letters to XXXX XXXX, a company that is reporting to the credit bureaus. The first letter of dispute was sent on XX/XX/XXXX and was received in their office onXX/XX/XXXX at XXXX. They never replied with any proof of my obligation to pay what they are reporting. The second letter of dispute and request for verification was sent certified on XX/XX/XXXX and was received in their office on XX/XX/XXXXat XXXX. They never sent me anything in return. My 3rd attempt to clear this up was sending a certified letter to the credit bureaus which I did on XX/XX/XXXX. It was received by experian on XX/XX/XXXX at XXXX and they have already sent me an email stating the information was verified. I called today and asked for the documentation that proved the information was correct and they said they dont have that information only that it was verified. The burden of proof is on the credit bureaus not the consumer. They are reporting without even responding to my letters and the credit bureaus dont even verify real documents, real proof.
Consumer complaint received 2018-11-05
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: SUNRISE CREDIT SERVICES, INC (CT)

XXXX service was purchased through XXXX XXXX XXXX on XX/XX/2018. Immediately received poor quality service and reception through XXXX, subscription cancelled within first week. Also, continuance poor customer service through XXXX XXXX XXXX. 

The next month a charge was taken out of a bank account for a total of {$460.00}. After calling several times regarding this issue continually not being resolved, and being transferred countless times and spending hour upon hours on hold every single call just to have half of the calls transferred to non existent numbers and needing to restart the process time over time again, and being told the issue was going to be resolved, a rep informed me it was a ETF, which could not be refunded, despite being told several times the charge was made in error and was going to be refunded. After XXXX XXXX XXXX refused to refund the money, a complaint was made through XXXX XXXX   under the charged bank account. XXXX XXXX deemed the charge worthy of being refundable. The banked processed a refund for this charge. 
Started receiving phone calls regarding an unpaid debt that matches a previous amount charged through XXXX XXXX XXXX. This charge was for XXXX, the charge of the ETF through XXXX XXXX XXXX.
Consumer complaint received 2024-03-05
Product: Credit reporting 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. 

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 2019-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Real Time Group, Inc. (FL)

Real time resolution my second mortgage company has been reporting me as 30 days late every month since XX/XX/XXXX to date. I have been involved in a chapter XXXX since XX/XX/XXXX and have been paying the trustee every month and the trustee has been paying the mortgage every month. I believe that real time resolution loan is a scam. I was not disclosed that this was an adjustable rate that adjusts every month I was told the adjustment was every year. I think real time resolution is just trying to keep me from being able to refinance their loan which would save me XXXX per month. This is what I've heard called propriety lending. I have had issues with getting monthly statements from real time and just mail them payments in excess of what is owed and asking them to apply overage to principal which they are NOT doing either. Please help ... this is out of control.