davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-17
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I submitted a complaint to Transunion regarding an item listed on my report by XXXX. The account has been on my report since XXXX and has already been removed from the other XXXX bureaus. The dispute was initiated on XXXX, it is now XXXX, this dispute has surpassed the alloted time period of 30 days and I demand that this item is removed from my report immediately. 

Here is a copy of the original message : I have an account on my Trans-Union credit report from ( XXXX XXXX ) that has been found invalid and removed from XXXX and XXXX. The account had been previously deleted but returned and has now been on my report since XXXX, I would like for this erroneous account to be deleted.
Consumer complaint received 2022-08-10
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. (NJ)

I have 3 inquiries that are not mine. I called to dispute these and met a ton of rsistance no cooperation. I sent three certified letters. One for each inquiry ( certified mail ). These requests have gone ignored which is very consistent with Experian 's culture. 

XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022
Consumer complaint received 2022-03-02
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Despite the multiple previous written requests, the unverified account listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

XXXXXXXX XXXX XXXX XXXX Balance : {$720.00}
Consumer complaint received 2022-08-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Paypal Holdings, Inc (MA)

My paypal account, under the email : XXXX, was wrongfully closed by paypal, and the funds never released, as they stated several times to me that they would be after 180 days. they stated that they were able to confirm I resided in XXXX  yet received unemployment from another state, this is NOT true. In 2019 I moved to XXXX, Massachusetts. Not to mention where I reside is not anyone who respresents paypals concern, and whether or not I qualified for pandemic unemployment assistance, is also NONE of paypals business, however for the sake of receiving my funds that paypal is wrongfully holding, I have provided the monetary determination from MA DUA. MA DUA deposited funds to my paypal account, which by the way is a FDIC insured account held at XXXX XXXX, and paypal suddenly decided to close my account, and keep the pandemic relief funds I desperately needed at the time of the pandemic, which further caused me a greater amount of financial, and emotional distress. I have provided my monetary determinations sent to me from MA DUA, in regards to whether or not these funds were " fraudulently obtained '', it shall clear up that false statement made by paypal, as it clearly shows the funds were mine, and that I resided in Massachusetts.
Consumer complaint received 2015-05-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC (NY)

XXXX would not itemize the charges they gave me after closing an account with them at XXXX XXXX XXXX XXXX Every month was paid. They charged for not returning equipment, but I never rented equipment from XXXX. It would be in the XXXX statement and subsequent statements since there is a monthly fee to rent their equipment as far as I know. 

I made many attempts to work this out with XXXX. Representatives said they would send me an itemized list of the charges, but they never did. It was later given to a collection agency, but I do not owe anything as far as I know. If the reason for the charges were given, I would understand what I am paying. But, if they were misinformed about the equipment, I believe these charges are misplaced.
Consumer complaint received 2017-04-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (TX)

The accounts below are not mines? 
XXXX Account number XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX .... 

XXXX Account number XXXX ....
Consumer complaint received 2022-09-07
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. (TX)

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 a account without my written instructions
Consumer complaint received 2021-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I sent letters to both XXXX and XXXX regarding an inaccurate, unverifiable, and questionable public record : bankruptcy that was place on my credit report. I asked these companies to investigate this item and provide me with the results of the investigation. These companies have not done so. Under the Fair Credit Reporting Act, a credit reporting agency has to review and respond to every dispute it receives within 30 days. ... If the review isn't completed in this time frame then the credit reporting agency is obligated to remove the disputed record! I have attached proof that I sent this letter on XX/XX/2021 and that it was delivered via certified mail to XXXX and transunion.
Consumer complaint received 2017-04-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This XXXX and XXXX account is not mines and has been deleted by XXXX. The XXXX account appear to be the same debt, so how can it be posted two times? XXXX not mines. 

1. XXXX XX/XX/XXXX Open {$5900.00} 2. XXXX Other XX/XX/XXXX Closed XXXX Missed Payment {$1400.00} 3.XXXX Other XX/XX/XXXX Closed {$0.00} 4.XXXX XX/XX/XXXX Closed {$1000.00} This account is paid in full. 
XXXX XX/XX/XXXX Open - Current {$45000.00} These XXXX accounts are not mines.
Consumer complaint received 2021-05-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (MA)

As of XX/XX/XXXX I've made several attempts to resolve the issues with this auto loan w/ Santander Consumers U.S.A. I have also made many payments totaling at least {$19000.00} towards this auto financing acquired w/ Santander Consumer U.S.A , which does not do refinancing of their predatory auto loans. This Loan started on XXXX XXXX for a USED XXXX XXXX purchased at a XXXX Dealership with me paying a {$5000.00} as down payment w/ a monthly payment of {$630.00} w/ a 26.9 % annual interest rate. On XX/XX/XXXX I had spoken with 3 representatives in their Escalation Service Dept. and every single one fails to allocate payments correctly towards the principal amount of the auto loan. I have all the details of this communication and h this was one of the many calls made to Santander Consumer U.S.A. This bank also fails to accurately report my payments to the 3 credit agency, which by reporting inaccurate information has prevented me from being able to refinance this predatory auto loan with another bank fro a lower rate. And another problem with Santander Consumer USA is that even while making payments on time with the 30 days of the month in which the payment is due Santander COnsumers U.S.A collection department keeps calling my telephone number with " ROBO CALLS '' for collection and collection calls. Now they have been sending e-mails stating that they don't have my correct telephone number, which is a lie from their behalf as the automated system always verify and recognize my telephone number when I call every month to make an ACH/debit card payment over the telephone. Please Help as this is " highway robbery '' to say the least.
Consumer complaint received 2017-04-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have called TransUnion several times to have them remove unauthorized inquiries from my credit report. I have a right to dispute and have removed any unauthorized information from my credit report. XXXX and another rep stated that they do n't dispute inquiries and asked that I call the company who placed the inquiries on my credit. I have been unable to identify who these companies are and the ones who I was able to successful reached stated that I need to contact the credit bureau directly. XXXX, XXXX, XXXX, XXXX. Please remove thses unauthorized inquiries.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am victim of identity theft. I have contacted multiple bureas in regards to blocking my report to be pulled by companies without my approval. 
XXXX XXXX XXXX XXXXXXXX {$2100.00} XXXX XXXX XXXX XXXX {$3200.00} XXXX XXXX XXXX {$3200.00} Have all been illegally attached to me. I am constantly harassed daily from companies about debt and accounts that I never legally authorized.
Consumer complaint received 2022-09-07
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. (TX)

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 a account without my written instructions
Consumer complaint received 2017-04-14
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: TD BANK US HOLDING COMPANY (NJ)

I have a joint checking account with TD Bank. The other person on the account cashed a check without my authorization. When I called TD Bank I was also told that the other person can take all of the money out and close the joint account without my authorization.
Consumer complaint received 2022-09-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Credit Karma (TX)

I applied for a credit card through credit karma who claimed that I had been pre-approved for an offer ( this actually happened more than once! ). However, after submitting my application to XXXX XXXX, my application was denied and my credit score fell by XXXX  points. I waited to get my reason for denial in the mail and was told that my revolving credit amount was too high... understand. But, why did credit karma trick me into thinking that I was going to be approved in the first place? Making me think I had been pre-approved, and since they obviously should know my credit score, I trusted them and got burned. Big sad face!
Consumer complaint received 2023-04-18
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. (NY)

as of XX/XX/XXXX i have noticed fraudelent accounts and inquiries on my credit report and consumer reports 15 U.S. code 1681c-2 a consumer reporting agency shall block the reporting of my information in this file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 business days after the receipt. 
account details below Account # : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Flexible spending credit card Credit Card - XXXX XXXX XXXX XXXX Individual Individual Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$7400.00} {$7400.00} {$7400.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$8200.00} {$0.00} {$7400.00} Credit Limit : {$8000.00} {$8000.00} {$0.00} Past Due : {$7400.00} {$7400.00} {$7400.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Canceled by credit grantor Account has been closed due to inactivity. 
Unpaid balance reported as a loss by the credit grantor. 
Charged off account Accounts closed by credit grantor Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2022-03-02
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: Experian Information Solutions Inc. (CO)

XXXX XXXX XXXX and I refinanced our house with XXXX I believe and before the 30 day period they sold my loan to XXXX. Neither company properly informed us this happened. In the meantime XXXX called and said they were our new Mortgage company but never officially properly notified us they had purchased our loan. We thought they were a scam or fraud and we ignored their request for payments. They reported us to all 3 credit agencies. We worked an agreement to make payments and settled with them but they refused to remove those credit late payments. We refinanced our home with XXXX Mortgage due to XXXX not keeping their word.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am requesting that several fraudulent hard credit inquiries be removed from my credit report. I received a copy of your agency 's credit report and noticed that there were requests that were not authorized. A list of the unsanctioned questions is provided below. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-02
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 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 2016-03-28
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have contacted transunion many times in regards to this matter. XXXX XXXX in the amount of XXXX remains on my account after disputing many times because no documentation has been goven to me verifying this is my dept. They only send me my bill to pay them which i know we had no contract. My name is not even spelled right on the bill. Transunion states they have verified my dept to this collector but no verification has been presented to me.
Consumer complaint received 2023-04-18
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: Westlake Services, LLC (GA)

I checked my credit report and seen that there were discrepancies, and it was started on XX/XX/2022. I've contacted the company, and nothing was done yet this is still on my credit which is hurting my credit.
Consumer complaint received 2023-04-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (OR)

Citi appears to constantly have issues with their site - while this problem is unique to this card. It seems like there is always an issue that mays my payment late. Please see the link below, I have paid on this credit card this way for over 10 years, the last few months the payment portal has been broken and I am paperless. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-07-22
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credence Resource Management, LLC (AZ)

Current debt collector is Credence RM. This was submitted to them for collection by XXXX XXXX XXXX. This is probably the 3rd or 4th collector. This has been removed from my credit report multible times yet only to reappear. The original dispute was for a cell phone purchased from XXXX & XXXX They sold me a phone knowing they did not have coverage in the area at the time ... not sure if there is coverage now..do n't think so. I have a written transcript from XXXX XXXX XXXX guaranteeing coverage in that area. When I could n't use phone I cancelled plan and the bill they are trying to collect is for cancellation fee. This is uite ridculous to sell a product knowing you ca n't use it!
Consumer complaint received 2023-04-03
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (PA)

I received an alert through XXXX XXXX notifying me that I had a new card on my account. I knew I did not apply for a card anywhere and the card says it was for XXXX XXXX I then received a paper statement in the mail showing what purchases were made and the location. I don't even have a XXXX XXXX near me or did I open the card when I have plenty of other cards. I am also a XXXX year old women who would not buy a ton of mens suits and jewlery.
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 status incorrect
Company: I.C. System, Inc. (MI)

I recently pulled my Credit Report. 

Completely surprised to see on that report : I C SYSTEM COLLECTIONS # XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX ( XXXX ) XXXX Placed for collection : XX/XX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : {$200.00} Date Updated : XX/XX/XXXX Original Amount : {$200.00} Original Creditor : XXXX XXXX XXXX XXXX Past Due : > $ XXXX< Pay Status : >In Collection< Remarks : >PLACED FOR COLLECTION< Estimated month and year that this item will be removed : XX/XX/XXXX I never received a bill, call, email, nothing from this company. Suddenly it just appeared on my Credit Report. 
They did not follow legal debt collection practices, I was not given 30 days to dispute this. 
As of right now, I have still never heard from this company. 
The damage is done. I am trying to get a new mortgage and move, but because of companies like I C SYSTEM COLLECTIONS # XXXX, who have MANY complaints such as the XXXX, XXXX, etc., I have to wait on unscrupulous credit collectors. 
I have never received 1 single item to try to verify this debt. I have never head from them. Now I have to waste my time waiting on this company. 
They never gave me the opportunity to verify the debt.
Consumer complaint received 2017-04-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (CT)

I contacted Navient about two years ago to lower my monthly payments since I had just lost my job. I asked the associate what could be the lowest amount I could possibly pay. The associate gave me a number and we agreed that that would be my new monthly payment. I just recently logged on to the web-based account and found that for the last twelve months, the entirety of my payments were going only to interest and none of it was going to my principal. I feel that the associate steered me in the wrong direction and it seems like they did not care about my financial troubles at that time. If I knew that my payments would only be going to the interest, I never would have lowered my payments by that much.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

I have contacted all three credit bureaus regarding these XXXX fraudulent account, ( XXXX XXXX XXXX and XXXX XXXX ) and I have not yet to receive an response from any of the credit bureaus of the status of their investigation or results.
Consumer complaint received 2019-02-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL (LA)

PayPal Credit has a minimal monthly balance of XXXX. I contacted them said due to less bourse at work see if I can make monthly payments of {$200.00} a month they said the finance department would contact me and it shouldnt be a problem. For last months payment made payment of {$200.00} out of the {$310.00} due. This month said Im past due and my new balance is {$410.00}. They will not work with me Ill keep  getting deeper in.
Consumer complaint received 2019-02-28
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. (SC)

XXXX and Transunion are reporting me as 30 to 60 days past due on the XXXX account number XXXX. This account has a {$0.00} balance and {$0.00} past due. I have disputed this directly with the two bureaus but the coding violation has not been corrected. It is impossible to be late on payments to an account that has a {$0.00} balance and {$0.00} past due amounts.