davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-22
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. (DC)

TRANSUNION IS COMMITTING ILLEGAL ACTIVITY AND DENYING ME ACCESS TO MY TRANSUNION CREDIT REPORT AT XXXX. FOR TWO MONTHS NOW CLAIMING AN INVESTIGATION IS IN PROGRESS, WHICH IT IS NOT!! IM opening a new complaint and suing them. They did not investigate and remove XXXX and XXXX XXXX XXXX from my credit reports which are fraud and illegal accounts WITH ILLEGAL FRAUDULANT AMOUNT WHICH UNDER SECTION 609 OF FCRA, TRANSUNION must REMOVE THIS FRAUDULANT ILLEGAL XXXX $ DEBT IMMEDIATELY. I DONT OWE THEM MONEY AND THIS IS AN ILLEGAL FRAUDULANT DEBT. Transunion did NOT perform a FCRA 609 investigation and PROVE in writing TO ME I owe these companies money for a legitimate debt which I DO NOT. Transunion is REFUSING to allow me access to my online credit report for two months!! IM NOT CALLING YOU ON THE XXXX  PHONE AND SITTING ON HOLD WITH YOUR DEVELOPING WORLD CALL CENTER FOR HOURS TO GET MY CREDIT REPORT!! CFPB STOP TRANSUNION FROM BREAKING THE FCRA LAW AND I STILL CAN NOT ACCESS MY TRANSUNION CREDIT REPORT AFTER MONTHS AGO ON FTC FREE CREDIT REPORT WEBSITE. I HAVE REPORTED TRANUNION TO THE DC AND DELAWARE ATTORNEY GENERALS OFFICE, CASE NUMBER XXXX! Transunion despises and discriminates against XXXX people AND XXXX veterans and intentionally causes them pain suffering and emotional distress!! I INTEND TO SUE TRANSUNION, ITS PRESIDENT AND ENTIRE BOARD OF DIRECTORS FOR PAIN SUFFERING AND EMOTIONAL ABUSE. TRANSUNION IS NOW SOLELY REPSONSIBLE FOR ME NOT BEING ABLE TO PUT A ROOF OVER MY HEAD. THEY REFUSE TO PLACE IN WRITING THAT I DO NOT OWE XXXX OR XXXX ANY MONEY! REMOVE TRANSUNION AND XXXX FROM MY ACCOUT IMMEDIATELY!! IN ADDITION, TRANSUNION IS RE-AGING THESE FRAUDUALNT ALLEGED ACCOUNTS TO MAKE IT APPEAR THEY ARE RECENT, WHICH IS ILLEGAL AS WELL.
Consumer complaint received 2021-09-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (TX)

I sent several payments through Western Union for products that I ordered through a company that claimed it had agents around the world, but I never received the products. i contacted Western Union Risk departent on three occasions but not once did they answer. I could provide the MTCN for all the money i sent and perhaps western union could block the accounts and return jy money and since the accounts are strictly used for defrauding other people close the acounts but western union is NOT compliant and I have sent over {$10000.00} to these scammers.
Consumer complaint received 2021-09-22
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: EQUIFAX, INC. (WI)

Why is XXXX XXXX and EQUIFAX putting remarks on an account that has been closed for YEARS!? MY CURRENT DISPUTE IS FOR THE MISHANDLING AND REPORTING OF MY FORBEARANCE PLAN DURING COVID19. Why are you adding remarks to accounts that have nothing to do with my mortgage!
Consumer complaint received 2017-09-21
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. (MI)

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 
Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 
This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected
Consumer complaint received 2018-07-22
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. (TX)

THESE INQUIRIES BELOW ARE NOT MINES.

Inquirer Name Inquiry Date Removal Date Business Type Contact Information XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX   XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX, AZ XXXX BYMAILONLY XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Reseller XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX BYMAILONLY XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX BYMAILONLY XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX   BYMAILONLY XXXX XXXX XX/XX/XXXX XX/XX/XXXX Tenant Screeners ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
Consumer complaint received 2018-07-22
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: Experian Information Solutions Inc. (TX)

THESE ACCOUNTS ARE NOT MINES AND ARE MORE THAN 7 YEARS OLD.  THEY SHOULD HAVE ALREADY BEEN DELETED. 



XXXX XXXX XXXX XXXX XXXX {$3000.00} - - Installment Negative XX/XX/XXXX XXXX XXXX {$1000.00} {$1500.00} 70 % Revolving Negative XX/XX/XXXX
Consumer complaint received 2018-07-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (TX)

To whom may concern I am emailing you today because I received a check in the mail for {$10.00} in regards to the XXXX XXXX XXXX lawsuit that was settled. I am not happy with this settlement I have been put through XXXX these past 5 years trying to find a home because I was forced out of my home and was caused pain and suffering and also went through a financial disaster I have been struggling ever since because of XXXX XXXX XXXX. 

I'm also very mad because I just found out about this lawsuit with this check I received. I want to know why did it take so long for you guys to contact me that there was a lawsuit against XXXX XXXX XXXX XXXX. I Want more then {$10.00}. I want my life back. I want to file a lawsuit and get allot from these people who put me and family thru XXXX. I was harassed every day 20 times a day. I was told that if I did not pay I was going to jail they were going to have me arrested when I told them I couldn't pay and said I needed to move out in 10 days or I was going to have my possessions garnished. So we were rushed out and they continued charge me mortgage and fees after months of being kicked out. Please help me get my family 's life back. 

More then welcome to email me back or call me anytime. 
XXXX XXXX XXXX ( husband ) XXXX Thank you ' Sincerely, XXXX XXXX & XXXX XXXX
Consumer complaint received 2018-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

Report # XXXX Attention : Consumer Relations, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report.

Item # 1 : I dispute XXXX XXXX, I have enclosed the XXXX Cancelling the debt. Please delete this account. ( XXXX ) Item # 2 : I dispute XXXX XXXX, I have enclosed the XXXX Cancelling the debt. Please delete this account. ( XXXX ) Item # 3 : I dispute XXXX XXXX, I have enclosed the XXXX Cancelling the debt. Please delete this account. ( XXXX ) Item # 4 : I  dispute XXXX XXXX, I have enclosed the XXXX Cancelling the debt. Please delete this account ( XXXX ) Item # 5 : I dispute XXXX XXXX, I have enclosed the XXXX Cancelling the debt. Please delete this account. 
I have attached all documentation and it is also numbered.

Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report.

In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. 
Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items. 
Thank you for your prompt attention in this matter. 


Respectfully, XXXX XXXX XXXX
Consumer complaint received 2018-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

Report # XXXX Attention : Consumer Relations, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. 
Item # 1 : I dispute USAA XXXX, I have enclosed the XXXX Cancelling the debt. Please delete this account. ( XXXX ) Item # 2 : I dispute USAA XXXX, I have enclosed the XXXX Cancelling the debt. Please delete this account. ( XXXX ) Item # 3 : I  dispute USAA XXXX, I have enclosed the XXXX Cancelling the debt. Please delete this account. ( XXXX ) Item # 4 : I dispute USAA XXXX, I have enclosed the XXXX Cancelling the debt. Please delete this account ( XXXX ) Item # 5 : I dispute USAA XXXX, I have enclosed the XXXX Cancelling the debt. Please delete this account. 
I have attached all documentation and it is also numbered. 
Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report.

In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information.

Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items.

Thank you for your prompt attention in this matter. 


Respectfully, XXXX XXXX XXXX
Consumer complaint received 2018-07-22
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. (LA)

On XX/XX/2018, I sent a letter to Transunion disputing various items on my credit report. The letter was recieved by Transunion on XX/XX/2018. I have not recieved the results of any investigation to date. Transunion has failed to comply with the FCRA by initiating an investigation and reporting the results to me within 30 days upon receipt of the dispute.
Consumer complaint received 2018-07-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC. (MD)

There is delayed that is being reported on my credit report appears to be inaccurate and or misleading. Please make sure to supply proof that this claimed account was in fact overdue and you have the important guidelines to be able to adequately learn more about your allegations. I highly recommend you present this information or simply remove the negativity of this kind of account right away.
Consumer complaint received 2018-07-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PNC Bank N.A. (PA)

Beginning in XX/XX/2018, after XXXX yrs paying my auto loan as agreed, the lender-PNC Bank began a pattern of not applying payments at all or excessively late. Note, prior payments were made as agreed. Further, PNC Bank then started harassing collection calls and letters. In response, I repeatedly called PNC Bank to reconcile my account and determine where payments were being applied. Each call was an repeated effort of revisiting every detail previously discussed without PNC accepting any ownership for remedy, other than, " will you send another payment. '' On or about XX/XX/18, as requested by PNC Bank I met with a bank branch representative. The Branch representative spent time calling customer service representatives to trace payments with the documentation I provided. Net result was only providing copies for their internal investigations, again without accepting any ownership for a remedy. This back and forth dialog became so difficult to manage that on XX/XX/2018, my other Banking institution ( XXXX XXXX ) who issues my " paper checks, '' issued a stop payment on XX/XX/2018 pay't, at their own expense and in good faith, because of the excessive delays. In addition, a payment was a assessed a {$40.00} late fee, which despite statements claiming to reverse the fee, appears on my account. 

By way of explanation, at various levels PNC Customer Service stated that a " processing system '' change which started in '18, might explain the issue. Another representative suggested an extra digit on the front end of our account might explain the problem. Still no one has suggested a fix other than to use " paper coupons '' that were NOT needed pre-2018. 

Making matter worse, PNC Bank has sent derogatory notices to the major credit reporting agencies suggesting serious delinquency.
Consumer complaint received 2017-09-21
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc. (OH)

XXXX, bought an XXXX from dealership, in XXXX, Ohio. Lender was XXXX. I also had to add insurances of various types, so I would be approved, they said. I paid on the vehicle for 3 years, and it was repossessed by a Lender called Santander, aka, SCUSA, aka US Santander. It was sold for XXXX, and they told me i needed to pay off the note which they claimed was XXXX. Not only did 36+ months of XXXX were made, after reposession caused me to lose my job, and ended on streets. I know there was a class action suit against Santander this year, as I read today, XXXX XXXX. However, if I knew about lawsuit, I would of gotten involved. I would of done more than report to credit bureaus about their unfair practices. They ruined my credit, my life, my health.
Consumer complaint received 2018-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA (NJ)

I have a Federal student loan in which has been in forberance for years now and i was currently enrolled in this program due to lack of funds over the years. Now on XX/XX/2017 i was still enrolled in this program, Nevertheless this company XXXX reported me as 90 days late payment in which completely ruined my credit alltogether. And to make matters worse they're increasing my student loans by thousands of dollars it was orginally XXXX and now its changed to XXXX thats makes absotely no sense. XXXX increase in interest over a matter of months is unheard of and beyond me. I've on numerous occasion called and called and they even verified they had my wrong contact information and phone number, basically stating it was an company error, however they refuse to report the correct infotmation to the credit bureuas and have these late payments removed!!!!!!!!!!!!!!!!!!!!!!!
Consumer complaint received 2017-03-19
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A. (NM)

Received a call from Citibank regarding a Citibusiness credit card. XXXX payment was not made 10 days ago. I checked and I never received a statement. I asked them to verify where the statement was mailed. The address they gave me was from 3 1/2 years ago. I have been receiving all my statements at my current address prior to this. I authorized payment for the amount they needed to keep my payments current, now I am in the process of disputing the late fee and extra interest they charged me as well as trying to get a copy of the statement I never received. This is such a bad practice especially when it seems to be done a XXXX end for most businesses and there is no logical reason that my address would be changed back to XXXX I lived at 3 1/2 years ago.
Consumer complaint received 2023-01-12
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. (MN)

I have been battling this unverified and inaccurate account for awhile now and this haven't been proven whatsoever. The information across the reporting bureaus are different from each other implying that this account have different values and information. Please remove the negative account right away. 

Also, there are some unauthorized inquiries that I don't recognized.
Consumer complaint received 2022-10-25
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: Experian Information Solutions Inc. (AK)

Divorced. Court order ex wife to be responsible for payments on this mortgage account. How can I be held responsible for something I have no equity claim to, no obligation to make timely payments. The property is not mine and the balance on the mortgage should Not be included in a debt to income ratio to determine a Credit score or the ability for me to obtain a new loan on another property. I am not responsible for this loan- as ordered by the State of New Mexico. I do not have any right to the title, equity or any proceeds that there may be to ex-wife. XXXX XXXX XXXX. SS : XXXX. Remove this from my creditor report NOW.
Consumer complaint received 2021-09-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: REGIONS FINANCIAL CORPORATION (GA)

I had unauthorized charges from XXXX from XX/XX/XXXX until XX/XX/XXXX and when I spoke to Regions account representatives, they stated that they will issue the refund and directed me to go to a branch. I went to the branch and the manager didn't even know how to process the dispute and finally figured it out and about 2 weeks later I received a letter stating that my claim was denied after further review.
Consumer complaint received 2023-01-12
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I logged into my checking account to find my {$640.00} to be placed on hold and showing it as a deduction. This money was from XXXX XXXX XXXXXXXX XXXX acting account. I reached out to Bank of America via chat and they had no idea why or how long it would be on hold. They could not help me. Please keep in mind, I have had this account and funds for over XXXX XXXX in my account.
Consumer complaint received 2017-09-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NH)

XXXX XXXX has reported to credit bureaus I was late more than XXXX date in XXXX and XXXX. And that is incorrect. I called and was told I can not speak to a dispute rep. And the supervisor seems it valid. Even though I made the payments. The XXXX month I was late was XXXX and thats not reported. Ive attached payments for both XXXX and XXXX shown less than 30 days in the billing period
Consumer complaint received 2017-09-21
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: EQUIFAX, INC. (GA)

I have notified XXXX XXXX XXXX that they are inaccurately reporting that I was late XXXX and XXXX XXXX. I have asked them to provide me with proof of these late reportings. Please assist me in getting these late reportings removed from my credit file.