davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 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 2018-10-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (MA)

I have XXXX as my student loan servicer. My loans were orginially under XXXX, but were transferred once I submit the public loan forgiveness employment form and was deemed eligible to enroll in the program. My loans were transferred on XX/XX/2018. I called them in XXXX to follow up on my payments that had been made under XXXX since the employment form clearly showed I made eligible payments. They told me it would take until XXXX to verify everything and credit it to my account. I called XX/XX/2018 and was told they could not release any status information. They said they were backlogged and it could take months. I then spoke with a supervisor who confirmed that they could not release any information, but to continue to make payments on faith that everything would be sorted out. I have never missed a payment, have automatic debit, and I can not get any information on what payments have qualified. They are very difficult to deal with and it is unacceptable that payments I made a year ago have not been credit to my account for the public service loan program.
Consumer complaint received 2015-05-19
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc. (IL)

The vehicle was surrendered as agreed upon by santander and myself. They are reporting it as a repossession. They have refused to correct this and have stated that they do not need too even though it was on a recorded line. I have asked them to change it and adjust the costs and they refused.
Consumer complaint received 2020-06-20
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. (NE)

Transunion credit bureau and XXXX credit bureau is reporting an inaccurate pay history for XXXX XXXX XXXX stating that I did not pay the month of XX/XX/XXXX. I have attached the pay history that clearly shows that I made a payment of {$140.00} on XX/XX/XXXX. I recall calling the creditor XXXX XXXX XXXX and inquiring why they were reporting no payment made in XX/XX/XXXX when you can clearly see I made a payment on XX/XX/XXXX in the amount of {$140.00} from the payment history. They stated that there was a glitch in their system, that is not my fault and they need to correct my payment history immediately.
Consumer complaint received 2016-08-26
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

We field a prior complaint with CPFB regarding wrongful negative reporting by Kohls department store. We filed a complaint with all XXXX bureaus. XXXX repsonded by letter and removed the negative reporting ( attached ). We heard nothing from XXXX. After several phone calls to call centers we learned that XXXX had no record of a complaint. We filed for the third time. We contacted XXXX, after several attempts and supervisors, they stated that Kohls said the information was correct. They advised that we file another complaint. I understand that Kohls was to have reported to all XXXX buraeus, not just XXXX. This confusion is causing my family great stress. After filing Chapter XXXX in 2011 we have been working XXXX to get back on our feet. We have made an offer on a home and we are about to lose it because of this issue.
Consumer complaint received 2017-10-15
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc. (FL)

On XXXX XXXX, 2016 I walked into Zales Outlet in XXXX Mall XXXX XXXX XXXX XXXX XXXX FL XXXX. To purchase a engagement ring and wedding band for my future wife. My plan was to pay cash as I had the money in my pocket to buy the ring and pay in full. The sales person that attended me was very nice and helpful about finding a ring and even helped me decide between two different ones, when it was time for checkout she asked me if I wanted to apply for a Zales card and I politely declined and stated that I was going to pay cash, she then offered me to apply for a Zales credit card again and said that if I got approved she will give me a nice discount on top of the Zales card discount, she said that there was a great promotion of NO INTEREST for the first year. It all seemed perfect so I went ahead and applied got approved and left very happy. Now a year later when I check my Zales account to see how much I owed after making over a years worth of monthly payments I come to realize that I owe more now then the original purchase price. When I called Zales they said I had 1 year of deferred interest and that after the 1st year all the interest no paid would kick in. I was in awe and felt deceived & defrauded. I tried to work something out with the credit card company ( Comenity Capital Bank ) but they refused to do anything about this, I even offered to pay my pre-interest balance in full with maybe a few months of interest and they also declined. The person at the store never said anything about deferred interest and they promote the card as interest free for one year, because they get bonuses for selling this. Please help me if possible and stop these people from defrauding others.
Consumer complaint received 2017-05-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION (IL)

I had a visa credit card with Navy Federal Credit Union since  XXXX .  <P/> I rarely used the card, but paid interest on the balanc e (  card limit was {$1000.00}, and the balance was around {$200.00}  ) . I paid off the balance last week, and suddenly, the account was closed.  <P/> When I inquired what happened to the account, I was told that the account was closed in  XXXX . I was not notified of this, and had continued paying interest on the account, thinking that it was still opened.  <P/> I sent them a letter requesting that the account be reopened, since I paid interest all of this time, but they insist I apply for a new card. I feel like if they closed the account without my knowledge, and I 've paid regular credit card interest on the balance for the last 3 years, they either should reopen the account as per the previous terms, or they should refund all of my interest payments since  XXXX .
Consumer complaint received 2015-11-07
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (NV)

Best Buy/CitiBank Cards is trying to rebill me for something that happened several months ago. I filed a dispute because I returned a TV for {$860.00}. I provided proof that it was returned via USPS and they 're now re-billing me for it when the dispute was filed back in XXXX. According to the LAW, a bank or company has up to 90 days to resolve a dispute, that time frame has passed. Also I have contacted them several times about this and they 're refusing to work with me. This is n't the first time they 've done this to me.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

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.

has violated my rights. Or a list of inquiries : 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 2022-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CLGF Holdco 1, LLC (FL)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I received your response in my complaint # XXXX and Im the one who submitted a complaint on XX/XX/2022. This account ( CB INDIGO/GF  ) is reporting on my personal credit file with XXXX, XXXX, XXXX ( Credit Reporting Agencies ). This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The CRA & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the CRA & DF have not provided me with any evidence of an open contract, signed contract or any valid proof that this was opened, authorized or created by me.
Consumer complaint received 2021-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: PNC Bank N.A. (PA)

PNC Bank is continuing to to show that I was late back in XXXX of 2018 when in fact, I was not. I submitted the payment before the account would be considered 30 days past due. However because of the payment cycles, PNC applied the payment to the following month, instead of making the payment to current month that I originally made the payment. I have called this institution several times, and all they could do is send me statements. Even though PNC is the CREDITOR they cannon change the information that the CREDITOR provided. Even when I disputed with the credit bureaus, XXXX, XXXX and XXXX  kept saying that the information was verified. So if the information was verified, and in fact not 30 days past due, then why is it still showing up on my credit report? This is my frustration. It's like as if PNC does not care that they made a mistake and are not willing to work with me, even though they recognize that it is a mistake on their end.
Consumer complaint received 2017-02-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

See Details, Rates & Fees Personal Information Names Reported XXXX XXXX See something wrong? 
Find out how to update personal information. 



See Details, Rates & Fees Personal Information Names Reported XXXX XXXX See something wrong? 
Find out how to update personal information. 








See Details, Rates & Fees Personal Information Names Reported XXXX XXXX See something wrong? 
Find out how to update personal information. 







Addresses Reported below have no affiliation with my personal. info. I never lived at the address below. 
Please, investigate and correct Thank you XXXX XXXX, FL XXXX
Consumer complaint received 2020-09-11
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: SYNCHRONY FINANCIAL (TX)

Good Afternoon, My husband and I both ( XXXX and XXXX XXXX XXXX ) received a letter from Synchrony Bank dated XX/XX/XXXX. It was a credit program with XXXX XXXX XXXX. My husband and I for one do not own a house and do not know what these people were selling, we have not had any contact with anyone, We are trying to improve our credit, not make it worse. I XXXX the company and it is some kind of XXXX outdoor Living. 

Can you please help, this is the information on the upper right hand corner XXXX XXXX Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX
Consumer complaint received 2016-10-18
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (CA)

I am filing this complaint because Equifax has ignored my request to open investigation in regards to accounts listed on my credit report. Being that they have gone past the 60 day mark and confirmation shows they have received my dispute over 60+ days ago, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Consumer complaint received 2016-07-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: MIDCOUNTRY FINANCIAL CORP (SC)

This is an old debt from the military. Since XX/XX/XXXX and I had filed bankruptcy in XXXX XXXX. They are still reporting negatively on my credit report. I really need help to remove them for good. This debt is really old. The creditor is Pioneer Military Loans from XXXX. They know the debt is old but they keep refreshing on my credit report.
Consumer complaint received 2022-09-07
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. (CA)

Please be advised this is my SECOND WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. 

Despite previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ). 

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

XXXX XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$13000.00}, and XXXX  XXXX XXXX Open Date : XXXX XXXX, XXXX Balance : {$0.00}.
Consumer complaint received 2023-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Account : XXXX  XXXX XXXX Account # : XXXX I am disputing this claim due to : I HAVE NO KNOWLEDGE OF THIS ACCOUNT. IT IS FRAUDULENT AND I AM REQUESTING THAT IT BE REMOVED IMMEDIATELY. This is my official request to have to aforementioned item to be deleted off my credit report. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, has violated my rights. 

15 U.S. Code 1681c2 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 1666B : 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 2021-06-06
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: Experian Information Solutions Inc. (GA)

I have filed a previous complaint against Experian in complaint number XXXX. 
I explained that someone has used my personal information to open an account with XXXX. I have never had anything from them. My purse was stolen a few years ago with all my personal information. I explained to Experian that this is not my account they keep saying " verified '' when it's not mine at all. I can't believe how hard it is to get your credit reports corrected after a person has ruined your life and taken your identity. I am filing this complaint because I feel like Experian is not trying to help me at all. It is like they are just giving me a script response each and every time. This is stressful enough that this happened but now to be punished for something that I didn't even do. 
After submitting that information they responded they need authorization from me. The authorization was provided when I called them and told them that they are reporting a fradugelent account. They are sending computer generated responses not to delete this account. Please again I am asking this account be deleted.
Consumer complaint received 2022-02-16
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. (CO)

I received an alert today from Transunion that XXXX XXXX XXXX XXXX reported that I was 30 days late on a car payment back in XXXX of 2022 and this is a blatant lie. Our car was stolen in XXXX, Police Report Filed and the car was recovered but deemed a total loss. Even when I did not have the car I still made my payments and have proof through my bank that we did. Our insurance company settled the account as a total loss and paid XXXX XXXX in full and they even reported that as being paid closed and then they report us as late which is not true. This impacted my credit score for something that never happened. I called and got in touch with the Executive Offices at XXXX XXXX and recorded my call and the guy I spoke with on the recorded line even verified that we were never late on our car payment. XXXX XXXX is notorious for doing cheap, crooked stuff like this. They feel that they can just do what they want to do even if it hurts others which is why I will never do business with them again. They need to be investigated and fined for doing this illegal stuff. WE WERE NEVER LATE on our car payment.
Consumer complaint received 2016-10-02
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: Empowerment Ventures, LLC (FL)

I have been a member of Rushcard since XXXX. On XXXX XXXX, XXXX someone was in XXXX, FL and took {$400.00} and had atm withdrawls of {$400.00}, {$2.00} for ATM fee, as well as XXXX charges of {$.00}. I was in XXXX, FL, which is about a XXXX minute drive. I had my card in my possession and the only reason I knew of the transaction was because I attempted a purchase in XXXX on XXXX XXXX XXXX XXXX, Florida on the XXXX of XXXX and the charge declined.. I then attempted a smaller amount without cash back and it still declined. I paid with a different method of payment and as I walked away from the register I pulled up the app for Rushcard and seen that my money was taken out at a ATM in XXXX, FL. I immediately called Rushcard and they stated that they will close out that account. They told me that they will open a dispute and asked me a series of questions, about did I give my pin to anyone and if I had the card. I told them no I did not give my pin to anyone and I still had card in my wallet. They explained that they will give me a credit of the funds owed, within 2 weeks while they investigate the situation that was on the XXXX. I received a letter on the XXXX dated the XXXX that the dispute was close and they do n't owe me anything. How can I be two places at one time and what type of investigation was done to find the person whole stole my money. This is unacceptable and I feel robbed by the person who did this as well as Rushcard for their poor business practice. That was money to feed me and my kids and have no money to give anyone. I work hard and need help to resolve this issue. I used the card like an hour or so earlier at XXXX for {$3.00} and I was in XXXX a good time before I attempted the transaction and have proof. I put on a law-a-way and have the receipt to prove it
Consumer complaint received 2021-01-27
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: Avant Credit Corporation (PA)

In XXXX of 2020 this account was on my credit report. I decided to dispute it. Nothing changed from it so I tried again and this time it said account closed. But still remains on my credit report. I want them to take this off my report and to not change wording around on my report. This company really hurt my credit. And want it taken care of.
Consumer complaint received 2016-05-26
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: CIBC BANK USA (NJ)

Private Bank of XXXX refused to share the appraisal of our home during the negotiation of the sale, resulting in the buyer 's frustration and walking away from the offer. We are now being threatened with having to pay the balance of the loan or renegotiate the terms of the loan as it will shortly become due.