davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-15
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 received a credit report and noticed that I had a fraudulent account which was an error by XXXX XXXX XXXX & XXXX XXXX. I realized it was an error and contacted the companies to make sure it was an error because i have no history of renting any apartments I 've been living in my single family home for over 15 years now. I contacted the credit bureau along with the creditors to make sure that I was correct and that it was an fraudulent error between the credit bureau and the creditor. I explain it on several occasions by sending certified letters over to both the credit bureau and the creditors for the fraudulent account. I provide professionalism in all that I do but I am now in distress about these accounts and it 's sad that these credit bureau have falsely accused me of this account and I refuse to take blame for this. It 's annoying and it 's a pain in the XXXX XXXX. I did all the everything possible to be told the account is verified. No verified documents was sent over to me. Therefor any error on my credit report should be removed. I sent over at least 5 letters concerning this account and was always ignored.
Consumer complaint received 2022-09-08
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)

In accordance with the fair credit reporting act Account name ( XXXX  XXXX ) account # XXXX has violated my rights. 

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

15 U.S.C 1681 section 604A. Section 2 : It states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-09-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (DC)

To date PNC has refused to lift the restrictions to my having online access to my account This unreasonable restriction to online access to at account has been imposed for six consecutive months In fact PNC has been further financially exploding me as a XXXX, senior citizen client by intentionally sending multiple paper bank statement and charging inflated fees to intentionally cause my account to go into overdraft to intentionally impose overdrafts fees. 

PNC has also intentionally restricted all online access to my account that was imposed initially upon opening my account XX/XX/XXXX, I have no access to free online banking statement I am XXXX XXXX XXXX impaired customer whom recently suffered a XXXX XXXX, a few month ago. I informed PNC six months ago that I am not XXXX  capable of calling and visiting the branch, I can not XXXX  to ATM However PNC has no value for me as a XXXX customer, that they refuse to provide me with required reasonable accommodations, they refuse to refund me the XXXX dollars I was shorted upon initially opening the account XX/XX/XXXX, When I requested free of charge checks to access the account they refused. 

As I stipulated PNC has absolutely no value for me as a XXXX customer or they would at least stop being so petty, refund the XXXX dollars I was shorted, upon initially opening the account XX/XX/XXXX, lift the online restrictions, that is currently on my account, since XX/XX/XXXX and provide free of charge checks to at least provide me with some kind of access to the account. 
This isn't an isolated incident, PNC imposed unreasonable restrictions on prior account, to limit my access in XXXX,
Consumer complaint received 2018-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: National Collection Systems, Inc. (TX)

I consolidated my XXXX XXXX University loans and XXXX XXXX with National Credit Management. At the time they are claiming that my student loan accounts were not past due based on the credit report they obtained prior to helping me consolidate through XXXX XXXX XXXX on XX/XX/XXXX ; this was not the case. I spoke with XXXX XXXX who helped me with my application to consolidate with XXXX XXXX XXXX. XXXX also failed to tell me that my XXXX XXXX account was past due prior to helping me consolidate these loans. 

On XX/XX/XXXX, National Credit Management reported my account as Collections and Delinquent with all three credit reporting bureaus - two months after they assisted me with completing the loan consolidation, which had been completed. 

I have contacted National Credit Management. I have also disputed these accounts with all three credit reporting bureaus, National Credit Management, and a private attorney.
Consumer complaint received 2017-04-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: First Data Corporation (TX)

I had written a check on  X/XX/2017    an account that is not used frequently. This check was returned and I received no notices advising that it was returned nor was it reported t o TELECHECK. When atte mpting to make a payment for daycare, my payment was rejected by TELECHECKand no reason was given. After discovering this, I was advised to call  TRS Recover  Services to get further information.     Upon Calling them, I was advised they were a division o f TELECHECK and th ey want to collect on the debt that they paid on my behalf. Having to get this cleared, I advised them to I would pay at that time  (  X/X/2017  ) t o get everything straightened out. They advised that the check will be redeposited that night and there was nothing I could do. I ensured that the funds would be available and the check cleared on  X/XX/2017   . Thinking that my ability to write a check would be restored in time to make by daycare payment, it was again denied due to the fla g in TELECHECK. I c alled TRS and they advised that it takes 14 days for the payment to post even though they have recieved my funds. This delay has adversely effected my ability to use checks and inconvenience of having to pay cash or money order for bills.
Consumer complaint received 2017-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I obtained an online copy of my credit report and the name on the report is not my name. I spoke with Equifax this afternoon and informed them that the information is wrong. They told me that information has been reported on my report under that name. I asked them to provide the name of the company reporting this information and they told me they did not have that information. They asked me to mail a copy of my social security card and my id. They told me they would not remove the information that was reported and would correct name once they receive my identification.     I have sent Equifax copies of my social card and my State issued identification card several times in the recent past to obtain my credit reports. Yet, this agency has used my social security number, they have created a new credit file using a name that does not belong to me, and they have allowed companies to report false information linked to my credit report using my social security number.
Consumer complaint received 2022-09-08
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: TD BANK US HOLDING COMPANY (WI)

XX/XX/2022 hard inquiry and decline for credit TD Bank XX/XX/2022 hard inquiry and decline for credit TD Bank XX/XX/2022 hard inquiry and decline for credit XXXX  XXXX  XX/XX/2022 called TD Retail Card Services to remove these inquiries as fraud. 

XX/XX/2022 called XXXX XXXX to remove inquiry as fraud XX/XX/2022 set up a 1 year security alert with XXXX. 

XX/XX/2022 reported these inquiries to XXXX as fraud.
Consumer complaint received 2017-04-19
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: National Credit Systems,Inc. (AZ)

Th e National Credit System cl aims that I owe debt. I do bot get the news from them but from my friend. They harassed my friend, telling him that I owe a debt and I did not pay for it. This really embarrassed me. I never owe a debt and do not pay for it. I called them and argue with them. I asked them to verify the debt first. However, I 've never heard them since them. Several months later, they just reported to the credit bureaus. I really can not believe it. First of all, they contacted and harassed my friend before they told me about the debt, which definitely break the law. What 's more, it is not right to report the debt to credit bureau before notifying me, especially when I asked them to verify it. I do not recognized the debt at all. I think they did it completely wrong. As an individual, I will stand up for myself and never pay a debt that does not belong to me.
Consumer complaint received 2021-08-05
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I sent letters to the bureaus on XX/XX/21 & XX/XX/21 I have heard no response to my letters. I will attach what I have sent. I'm aware that under the 602 [ 15 U.S.C. 1681 ] they are in direct violation of my rights.
Consumer complaint received 2022-09-08
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: BMW Financial Services NA, LLC (IL)

In accordance with the fair credit Reporting act XXXX Account XXXX, has violated my rights. 

15 usc 1681 section 602 states I have the right to privacy.

15 usc 1681 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.

15 usc 1668B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-09-09
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Incomm Holdings Inc. (MD)

I found a vanilla visa gift card that someone gave me in the past. I have never used it. It was expired, so I attempted to contact the company to get a replacement card. The website simply says the card is invalid and to contact customer care. I contacted customer care on XX/XX/21, and was told I would be mailed a replacement card. I waited and waited, didn't get anything, so I called back. I was then told that I would have to wait until XX/XX/21 at the earliest to receive a replacement card.
Consumer complaint received 2021-09-09
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: Experian Information Solutions Inc. (OH)

Hello, XXXX XXXX  : XXXX # XXXX ; Experian # XXXX ; XXXX  # XXXX I have requested the above account be removed off my credit report. As I'm an Authorized User and the Primary Account Holder has abused the account and placing negative information on my credit report. Please remove ASAP as I'm in the process buying a house.
Consumer complaint received 2017-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

I tried ab out 5-10 ti mes to talk with someone from Equifax inc but I kelp getting a voicemail or a machine asking me for some information. On my credit report it shows that I have an open account with  XXXX  but on my   XXXX   report I filed a dispute with them and after 30 days it was removed but its showing up on my Equifax report which it should not be there cause my wife paid it thought a collection company called  XXXX   XXXX   XXXX   XXXX   XXXX  . I tried to talk with someone from the collection agency but they were not any good in helping me do something about this. In case you need their number its  XXXX . I hope you can do something to help me out to get this straighting out for me.
Consumer complaint received 2023-01-28
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)

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 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 2021-08-05
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)

Hello I am XXXX XXXX submitting documentation in regards to my complaint with experian. Attatched is my ID and Social security card to show proof, below is my original complaint. I originally had a dispute with Experian & XXXX. I've been a victim of Identity Theft, currently this situation is making it extremely hard for me to obtain credit and qualify for a mortgage.
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I was part of the XXXX credit information hack. I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by XXXX, XXXX, or TransUnion in the first place. Congress should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. Thank you for taking time to read my complaint.
Consumer complaint received 2017-04-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My address has always been XXXX, Tx XXXX until the XXXX address was changed to XXXX ( or XXXX ), Texas XXXX. The other addresses belong to my sons XXXX or XXXX.
Consumer complaint received 2017-07-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital One Bank XXXX/XXXX/2017 - I have closed my bank account back in XXXX XXXX at Capital One Caf Address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX ( 1 hour driving from my house ) and they told me that I will receive the remaining balance in my account by check in my house in a few days. This whole process took more than 1 hour.
<P/>
XXXX/XXXX/2017 - I did n't receive my money yet, so I called to Capital One ( XXXX XXXX XXXX ) to ask for information. They apologized and informed me that my check was sent to my wrong profile ( confirmed was their mistake during the call ) address and I should get a new check in 5 business day. Their ticket number : XXXX ( Security Number ) for tracking purpose. Was wasted another hour on the phone with.
<P/>
XXXX/XXXX/2017 Once more, worrying about my money I called Capital One. I explicitly explained to them I need that money to pay my bills. They apologized again, and they have raised my case to " high priority and the new time given was 2 or 4 business day to get the check.
<P/>
XXXX/XXXX/2917 Tired to wait for my money, I was calling their support for the fourth time to explain the whole situation again and to ask where my money went. Then Capital one support representative wrongly transferred my call to Capital One 360, and their representative wasnt able to help because theyre a different bank not able to help and finish the call. As you can see, Im super frustrated since I dont have my money yet and some bills are already due because of it. I need help to solve this as soon as possible. Moreover, I should not be BEGGING to have my own money.
Consumer complaint received 2021-08-05
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have written letters to XXXX, TransUnion & XXXX  about inaccurate information reporting on my personal credit report. I understand that under the 602 [ 15 U.S.C. 1681 ] it's against my rights to have inaccurate information on my credit report. I'm trying to buy a new home for my family but am unable to do so because of inaccurate information on my report.
Consumer complaint received 2018-03-26
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (NY)

XXXX XXXX has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Consumer complaint received 2017-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The company has reported false and inaccurate information on my credit report. They have reported this information to  XXXX  and Transunion using different company names, different account balances, etc. I have contacted  XXXX  to request that they remove this false and inaccurate information and nothing has been done.
Consumer complaint received 2017-07-14
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. (PA)

My credit report, through Transunion, suddenly shows an amount of {$51.00} that was originally owed to XXXX. ( This is false and verified as false with XXXX ) It shows a balance date of XXXX 2016. It states that the status of this " account '' is in collections and further shows the past due amount as {$0.00}. This false report is negatively impacting my credit report.
<P/>
The company attached to this false report is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, NY-XXXX ( XXXX ) XXXX
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2019-10-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: ECMC GROUP, INC. (PA)

For the last 10 years I have been in communications with ECMC ( Educational Credit Management Corporation ) and its debt collector XXXX XXXX XXXX. Most recently the harassment has been several times a day, receiving 2, 3 and 4 envelopes in the mail every day, email and phone calls from ECMC, yet they refuse to process or even acknowledge the thousands of letters, emails, phone calls, forms, etc I have sent them in the last 10 years disputing the student loans, and requesting a hearing. I have spent hundreds of dollars in countless mailings, by sending them the forms they require for disputing the debt over and over and over again. They have refused to process any of my forms, have no records of my treasury offsets for 5 years, have no record of the payments I made on the loan, and have exponentially increased the face of the loan by refusing to process anything I send. I now dispute the entire debt, and all Federal Loans. ECMC have refused to schedule a wage garnishment hearing, even though they are required by law to schedule one. They have blocked my email and phone number, and continue to harass me on a daily basis. My degree was a worthless con job and fraud, in a field where I am blocked from employment because the degree I earned is no longer a recognized degree, and my state will not allow any of us to be employed as per their laws and regulations. I have been displaced from the workforce for 12 years, and have only earned a max of $ XXXX {$15000.00} or less annually each of the last 8-10 years. They continue to harass me with wage garnishment letters. Taking out a student loan was the biggest mistake of my life. I have attached the threat to garish wages mailing that I receive every day. I have sent the forms back dozens of times, and they continue to refuse to schedule the hearing.
Consumer complaint received 2016-03-02
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC. (NY)

XXXX XXXX XXXX XXXX XXXX ( CT ) loan then sold to XXXX XXXX in XXXX then sold loan to Navient in XXXX. Paying regularly until XXXX, XXXX. I started back to school XXXX in XXXX XXXX. I was told 3 times in XXXX, XXXX and XXXX, XXXX, that my loan would be deferred ( 48 months ) because I was a full-time student. I filled out all the paperwork and my school did also. On XXXX XXXX, XXXX, I received XXXX letters from Navient each saying a different thing about the loan. My University reports monthly so I waited till start XX/XX/XXXX for reporting. I started getting dunning calls about my loan being was late. After three 45 minutes call with XXXX " managers '' I am " UNABLE '' unable to use my last two months of deferment that I am eligible for according to loan documents cause it DOES not fit into their bill cycle. They can help by lowering interest rate to 1 % and payment goes to {$160.00} a month. I requested copies of the loan documents at end of XXXX, XXXX. The loan documents sent were dated XXXX/XXXX/XXXX, and post marked XXXX/XXXX/XXXX, and I did NOT receive them til XXXX/XXXX/XXXX. I am called atleast 6 times a day by the automated dailer from area codes from XXXX, XXXX, and XXXX all without them leaving a voicemail as to why they are calling. I have explained the situation about their misinformation to me on numerous occasions and that I do not have means to pay because on SSI but they are unwilling to do anything but the above. Please help and investigate billing practices/conversations/collection practices