davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-08
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)

This will be my second attempt to file a complaint as my first on miraculously disappeared even in taking a screenshot of the ID number XXXX Sent request for dispute and all information pertaining to accounts in dispute on XX/XX/2022 and all delivered by XX/XX/2022. 

Transunion failed to honor my dispute and pretty much sent me a letter stating, doesn't look like you sent this but thanks for trying. I sent the required information as well as paying to have it sent certified mail, only to be ignored while the other XXXX accepted the matter ( s ). I didn't realize that strangers had copies of my drivers license and an insurance bill to send off to get someone else 's credit report fixed. To add insult to injury, they didnt even provide a way to get in contact with them to even reply. No phone, no email, no contact name at all. Only a file number with no directions as to what information was needed to proceed. 

XXXX provided no information to advise that this debt was mine. I asked for all information be sent to me and nothing but a verified letter with the exact same information copied and pasted from my report ; therefore, I must not have any type of contract with them stating that I owe this debt. How was this investigated with no additional information provided?? 

XXXX was the only Bureau to investigate and delete both accounts. So how is it that XXXX was not able to verify the accounts to be correct, yet XXXX did??? IF ALL bureaus are to report ACCURATE information, something is wrong and it all seems very suspicious. 
15 USC 1681 Section 602 A ( XXXX ) states that I have the right to privacy. 
15 USC 1681 604 A ( XXXX ) states a consumer reporting agency can not furnish an account without my written instructions which I did not give. 15 USC 1681 1681 section XXXX a ( i ) 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. 

Account Name : XXXX XXXX XXXX XXXX XXXX {$210.00} Account Number : XXXX Please remove from my credit report Account Name : XXXX ( XXXX ) {$220.00} Account XXXX Please remove from my credit report
Consumer complaint received 2017-09-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have paid my Bank Of America credit card on time for more than a year. 
My daughter was XXXX  on XX/XX/XXXX and I was in the hospital for a few days with her. 
My credit card payment was due on XX/XX/XXXX. 
Even though I was at the hospital, at XXXX on XX/XX/XXXX, which is the same date as the payment due date, I paid my minimum payment, and yet Bank of America assessed a late fee of {$27.00} and refuses to refund it! 

Does big banking greed really have no limits? 

I 'm planning to go to small claims to resolve this if necessary. 
And of course to the local media company.
Consumer complaint received 2017-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (NV)

Hello, I saw an ad on TV that Experian is doing free scan amid hacking of the XXXX. So I went on to www.experian.com/scan. It asks you to enter your email address then click on " Scan '' then it supposed to scan your credit (? ) or if you have been affected by the hacking of XXXX data. It says the website has sent me an email but never received anything. Is this to get my info or looks like a scam by Experian to me.
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: EQUIFAX, INC. (FL)

When I went to the car dealership to apply for a car, they said that it would be for XXXX and that XXXX would pull my credit report, however I seen all of these other hard inquiries : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-06
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: HCFS Healthcare Financial Services of TeamHealth (CT)

i checked my credit report today and i found out that experian is attempting to report an invalid collections account on my credit report from ARS ACCOUNT RESOLUTION XXXX. 
account Number XXXX. 
this account has been disputed and deleted in the past and has recently been deleted by XXXX  from my consumer credit profile. 
Reporting this debt is a gross violation of my rights under the FCRA guidelines. Delete all records of this account from my credit report.
Consumer complaint received 2023-01-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Siggi LLC (TN)

Omni loans are refusing to provide me with a loan because of a prior bankruptcy. In XXXX of 2015, I had to file a XXXX  XXXX because of some personal reasons and part of the roll-up was a loan a had with Omni. Prior to XXXX XXXX, I had a great XXXXyr relationship with the company but like I stated personal things happened and I had to file for a XXXX XXXX. I am not supposed to be discriminated against because of past events and under the Equal Credit Opportunity Act this is not to be. They are targeting my character and this is a direct violation which the law clearly states it is not allowed.
Consumer complaint received 2017-09-09
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: EQUIFAX, INC. (CA)

On XXXX XXXX, XXXX, I submitted a dispute to Equifax. As of today, XXXX XXXX, XXXX, the dispute remains " pending ''. The inaccurate information remains on my credit report.
Consumer complaint received 2017-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Unauthorized inquiry from theXXXX XXXX. I would like this inquiry removed as I am not familiar with this company or the request for credit. Please provide the application or remove item from credit bureau as an inquiry.
Consumer complaint received 2017-09-09
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Blackhawk Network Holdings Inc. (AL)

I attempted to use this card at XXXX on XXXX/XXXX/XXXX. The card was declined at the register, but when I checked the balance, it said that the funds were taken by XXXX. I contacted XXXX that day, and the accounting office said they had no record of the transaction, and that any funds should have been sent back to the card. The next day, I called the prepaid card company ( XXXX/XXXX/XXXX ), and I was explicitly told I would see a refund in 10 days. In fact, the woman on the phone said, " I see that the funds were sent back to card 11 minutes after the charge was made to the card ''. 

However, it has been well over 10 days and the funds have not returned. I have called into the prepaid card company, and told I need to dispute the charge. XXXX has also advised me to do the same since they say they do not have the funds. I do n't understand why the company lied to me and told me the funds would be refunded, but I have submitted the dispute now. Unfortunately, the card company says it will take up to 90 days to resolve the dispute!
Consumer complaint received 2017-09-09
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: Experian Information Solutions Inc. (CA)

Unauthorized inquiry from theXXXX XXXX. I would like this inquiry removed as I am not familiar with this company or the request for credit. Please provide the application or remove item from credit bureau as an inquiry.
Consumer complaint received 2020-07-11
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. (DE)

I paid my credit card ontime and XXXX still put a late payment on my report from XXXX, I have tried for 4 years now to get it off and they refuse to correct the mistake they made. The sad thing is I also work for them and they refuse to fix it. They also ran my credit four times without my permission. 

Unauthorized credit pulls Transunion XX/XX/XXXX XXXX  XX/XX/XXXX. XXXX XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX
Consumer complaint received 2022-10-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: MORGAN STANLEY & CO. LLC (WV)

In XX/XX/2022 I opened an 3 accounts with E-Trade. The whole time the account was open they would not let me use it. After about 6 weeks they told me that they were shutting the account down. They wouldn't tell me why. But all of my bank accounts have been closed and assigned a new account number with the name of XXXX XXXX and address XXXX XXXX XXXX XXXX WV XXXX. Even after I proved my identity. A little over a year ago my Id was stolen by XXXX XXXX. When I called the customer service and they told me to go to the bank and show my ID. I did and the bank just lied about the account. The police are refusing to give me a identity theft report. I don't know what to do.they told me that when I got an identity theft report to contact them. And they also sent me a letter that said if they closed my account by mistake to call them. When I called they hung up on me. I'm homeless because of identity theft
Consumer complaint received 2017-09-09
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: EQUIFAX, INC. (OR)

Due to the Equifax breach, my information is now available for sale. I had to spend {$30.00} to place a freeze on all three companies, and now I will need to deal with the headache of lifting those when I need to do things like finding a new place to live. Not only is that a level of XXXX-salad I did n't want to have to deal with but the service Equifax is offering to protect us from their failure keeps us from being able to sue them if our information is sold and used. That 's absolutely deplorable and I hope the millions of complaints that are going to be coming through actually do something. Likely not, knowing how the government seems to work in favor of corporations and not the people just trying to live, but there we go. I did my part. I 'll be over here watching my credit reports like a hawk.
Consumer complaint received 2024-02-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

I am writing this formal complaint against XXXX and Trans Union to bring to your attention the persistent and unresolved issues related to inaccuracies in my credit reports. Despite submitting multiple dispute letters pointing out account errors, XXXX and Trans Union has failed to correct or delete the inaccurate information, as mandated by federal law. 

I have attached copies of the dispute letters I submitted along with the corresponding documentation supporting the accuracy of the disputed items. These documents clearly demonstrate that the information reported by XXXX and Trans Union is incorrect and in violation of the Fair Credit Reporting Act ( FCRA ). 

The FCRA stipulates that credit reporting agencies must ensure the accuracy of the information they furnish and maintain. XXXX XXXX XXXX XXXX XXXX of the FCRA explicitly states that consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Furthermore, under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) of the FCRA, if a consumer disputes the accuracy of any information on their credit report and provides supporting documentation, the credit reporting agency is obligated to investigate and correct any inaccuracies within 30 days. 

It is disconcerting that XXXX and Trans Union has not adhered to these legal obligations, and as a result, my credit report continues to reflect inaccurate and damaging information. I believe XXXX and Trans Union are in violation of the FCRA, and this persistent negligence has significant consequences for my financial standing and creditworthiness. 

I would like to draw your attention to the potential legal consequences XXXX and Trans Union may face for knowingly reporting false information. According to the FCRA, individuals who willfully fail to comply with the requirements of the Act may be liable for civil penalties, with costs ranging from {$100.00} to {$1000.00} per violation. Moreover, Section 616 of the FCRA allows individuals to pursue damages in a private lawsuit for willful noncompliance, including punitive damages, attorney 's fees, and court costs. 

I request that the XXXX XXXX XXXX investigate this matter thoroughly and take appropriate action to ensure that XXXX and Trans Union corrects the inaccuracies in my credit report as required by law. I also urge the XXXX  to consider the legal consequences XXXX and Trans Union may face for their willful noncompliance with the FCRA.

Thank you for your attention to this matter. I trust that the XXXX XXXX XXXX will take prompt and effective action to rectify this situation and hold XXXX and Trans Union accountable for their violations.
Consumer complaint received 2017-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

I never asked for a fruad alert to be placed on my credit ... I have went threw different measures to get it off my credit, Ivhavecwrote a letter and called and still no removal please remove the alert from my credit report
Consumer complaint received 2017-09-09
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: EQUIFAX, INC. (CA)

My credit information ( Social security number, date of birth, address and potentially my drivers license number ) was accessed by an unauthorized source and now is publicly available because of the Equifax security breach. 
This is a huge violation of privacy and potential cause for an identity theft keeping in mind there is no possible way for anyone to undo this.
Consumer complaint received 2017-09-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (IL)

I graduated from XXXX XXXX XXXX XXXX XXXX in XXXX of XXXX. Navient has been sending me multiple late notices a month regarding my account even though my grace period is not over. They started sending communication in XXXX of XXXX that my loan would be due in XXXX of XXXX. 

I have called them more than 3 times and with the wait times have had no time or availability to speak with anyone regarding my account. They have now started to ding my credit score. As I work as a XXXX XXXX  Monday through Friday I call them as I can. Yet they have no weekend hours for me to call and the wait time has been upwards of an hour.
Consumer complaint received 2024-02-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet TransUnion, XXXX XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. TransUnion, XXXX, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.
Consumer complaint received 2017-09-02
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: LEXISNEXIS (GA)

On XX/XX/XXXX I placed an order for a consumer report with XXXX XXXX. During which time I received the report approximately a week and a 1/2 later. Upon reviewing the report, majority of the information, had discrepancies, so I carefully went through and marked off all of the inaccurate information. I then contacted XXXX XXXX a few months later in XX/XX/XXXX and requested that day do an investigation and remove the inaccurate information. I ask how long it should take in the representative explain to me approximately 30 days, during this call I also literally went from page to page ( 25 ) expressing to the representative each thing that was incorrect, This Was time consuming. 

90 days had went pass and I had never received a response from XXXX XXXX, so I decided to call again. When I called the 2nd representative, initially said that there was no information in the system about me requesting inaccurate items to be removed. She then had to go into a different system and found my initial requests, that initial request still did not display all the items I requested to be removed meaning the initial rep missed some things. The new representative apologized and explained to me that the initial request was never submitted, she verified all the things that was in the system, and she then resubmitted it. 

This was back in XXXX around the XXXX. It has now been over an additional 30 days and the second rep assured me it will be expedited because the initial representative did not submit the request the 1st time. To date i still have not received a response and i feel if i call again it would just be the run around. 

This information is financially harming me by showing inaccurate info on the major credit bureaus, as this is the source they use to verify info on my credit file. As A result it 's not allowing me to get the best rates on credit card and loans.
Consumer complaint received 2017-08-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ray Klein, Inc. (OR)

Back in XX/XX/XXXX I had a XXXX and was on XXXX and last I knew they paid for it. Then in XX/XX/XXXX of this year XX/XX/XXXX I got a letter of ganrnishment for the bill that I was under the impression that XXXX had covered but only covered part of the sugery. I never received an bill nor was contact about the debt. The garnishment letter says I owe XXXX dollars and I do n't think it 's fair for all this tacked on interest when no bill was received. I 've contacted them to try to arrange a payment plan for the original balance. But they said I have to pay the full amount with interest. I called the place where I had the XXXX and they do n't have any records of it any more. I 'm at a loss and unsure of what to do.
Consumer complaint received 2021-11-25
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: EQUIFAX, INC. (MO)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2019-10-25
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

In XXXX of XXXX Kohl 's charged my bank account for {$1000.00} that I did not authorize. I found this in XXXX of XXXX and disputed this with XXXX XXXX XXXX XXXX. They returned this amount of money to me. I have attached bank statements to this proving this point. I would have never authorized this amount to be taken from my account by Kohls because the maximum credit limit for this card is {$500.00}. I have also included a statement proving this. When XXXX XXXX returned this amount of money to me they also placed Kohls on a do not pay list. Which I was not aware of. In the summer of XXXX I paid Kohls for a small amount ( less than {$100.00} ) over their phone automated system. They have record that I did this. However, the payment was rejected by XXXX the following day because of the do not pay list. I was not made aware that this happened. Only when I got a credit alert from XXXX  did I realize that Kohls charged me a 30 day late on my credit report. I have attempted to speak with Kohls to explain the domino effect that resulted in this 30 day late, but they will not allow me to speak with anyone in the credit department, and state that is their policy. I feel this 30 day late was not my fault but the fault of Kohls and should be removed.