davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-01
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. (IL)

This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law. 

XXXXXXXX XXXX ACCNT # XXXX 30 days late in XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX, 60 days in XX/XX/XXXX. 

I, therefore submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time. Hoping that I could get some favorable news after this investigation.
Consumer complaint received 2018-09-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: U.S. BANCORP (OR)

I have been a loyal customer with the U S Bank for over 50 years. Ive had both personal and corporate visa credit cards throughout the years and have consistently paid the monthly payments on time. The interest charges have always been competitive and consistent with my other banks. Although, recently the US Bank substantially increased the interest rate for no justifiable reason. I have contacted the US Bank card services to come up with a solution to this situation but unfortunately the US Bank is not willing to work with me to get the payments back to a reasonable monthly payment. As a senior citizen age XXXX on XX/XX/XXXX of this year, being on a fixed income has put my wife and I in a financial bind. I can understand an interest rate change for customers that consistently make late payments, but in no way should a rate increase be made to a long lasting customer that has made monthly payments on time for many years to current. I am asking for your help to get a resolution to our problem, as well as making sure this does not happen to any other elderly customers that are compliant with US Bank.
Consumer complaint received 2022-07-22
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IN)

XX/XX/2022, I sent a ltter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating '' They do not report any bankruptcies to anybody, '' So if that's the case, How did the credit bureaus edify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term ''investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with whom he is aquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer credit record obtained directly from creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a credit of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.
Consumer complaint received 2019-08-30
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. (GA)

I am a victim of identity theft and have been trying to get these unauthorized inquires off of my credit. I called, I have sent in letters and I have tried reaching out to the credit bureaus to have these unauthorized items removed.
Consumer complaint received 2018-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

This creditor has illegally re-aged my accounts and the creditor and CRAs have failed to rectify the problem after multiple requests and a previously filed complaint with the CFPB and NCUA. 

The accounts appear to have been charged off in XX/XX/XXXX, first delinquency reported as of XX/XX/XXXX. However, the credit card account then begins to show as if it was being paid again from XX/XX/XXXX to XX/XX/XXXX and then resets to 30 days delinquent in XX/XX/XXXX then charged off again in XX/XX/XXXX. The one that was finally fixed ( XXXX ) shows that it will be removed as of XX/XX/XXXX, the other ( XXXX ) now reflects that it will be reported until XX/XX/XXXX, meaning the date of first delinquency was reset. 

These accounts have been illegally re-aged and should be immediately removed from my credit report.
Consumer complaint received 2022-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-04-25
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: Experian Information Solutions Inc. (GA)

In accordance with the fair Credit Reporting act XXXX Account # XXXX, Account # 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 1661 Section 604 A Section 2. Its also states a consumer reporting agency can not furnish a account without my written instruction
Consumer complaint received 2022-08-23
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. (OH)

I visited a few car dealerships In early through late XXXX and XXXX to shop around and explicitly told these dealerships that I do not want my credit report run because I will be getting financing through my credit union as well as making a down payment. 

These dealerships then took it upon themselves to run my credit report over 20 times across different banks to try and find a rate that would beat my credit union even though I had just asked them not to do that. They did so against my wishes because they were aggressively trying to make sure I left with a vehicle that day. Below are these frivolous inquiries segmented by credit bureau. 

Resolution : A fair resolution would be for all the above-mentioned hard inquiries to be removed immediately from my credit report on all 3 credit bureaus. 

Inquires 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-26
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. (TX)

That, i am a natural person. i am a living human being, spirit. i have rights under USC 1681 ; That, XXXX is governed by 15 USC Section 1681 and they violated my rights numerous of times ; That, I demand the accounts listed below be remove because according to 15 USC Section 1681, I have the right to privacy and I did not give XXXX written permission to furnish these accounts ; That, In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681 ; 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 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 Texas Office of Atty General XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Equifax Only ) That XXXX 15 USC Section 1681 Section 602A states that I have the right to privacy ; That, 15 USC Section 1681 Section 604A Section 2 states that a consumer reporting agency can not furnish an account without my written [ expressed consent ] instructions ; That, 15 USC Section 1681c ( a ) ( 5 ) states that 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 antedates the report by more than seven years ; That, 15 USC Section 1681s-2 ( A ) ( 1 ) states that 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 ; Affiant further sayeth not. 

XXXX XXXX XXXX Authorized Representative for XXXX XXXX
Consumer complaint received 2022-10-24
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP (PA)

My wife and I have been working with XXXX XXXX XXXX and XXXX XXXX of U.S. Bank Home Mortgage for WEEKS on an application for a home equity loan on our vacation home in TN. We passed the application process and were finished with the document submission process. We submitted every single document requested. We have received Disclosures along the way. We have had email and phone correspondence during the process. On Friday, XXXX sent what appeared to be a form message saying that our collateral does not qualify because it was on XXXX for over 90 days. This was not new information. It was explained at the outset at the very beginning of the application. We dont understand why this was this mentioned after the fact and like this. We relied on this process and the disclosures and have signed an agreement with a contractor who has started work. How can U.S. Bank Home Mortgage pull the rug out from under us now? Neither XXXX nor any of the managers we contacted to question this action have responded to us. This is NOT how a company like this should be doing business. It's unconscionable. Our primary mortgage for this property is with US Bank Home Mortgage, and we have been good customers. Theyve already done the appraisal, paid for by us, to determine the equity, which happens to be greater than the mortgage balance. If U.S. Bank Home Mortgage will not do the right thing here, we will publicize our experience EVERYWHERE and refinance the entire loan somewhere else. Please dont let them get away with this.
Consumer complaint received 2022-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2018-09-10
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: MSW Capital, LLC (VA)

XXXX signed up with XXXX XXXX changed mind on using they're services and spoke to loan company which informed me to notify school. Sent email and spoke to XXXX XXXX my program advisor. Never received bill or seen anything on credit stating that I owed assumed everything was handled as needed. Five years later receive a summons from lawyer XXXX XXXX XXXX of XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX representing MSW LLC on XX/XX/XXXX. My paper work shows that XXXX XXXX sold loan to XXXX XXXX on XX/XX/XXXX then XXXX sold loan to XXXX XXXX XXXX on XX/XX/XXXX. XXXX XXXX file Chapter XXXX on XX/XX/XXXX per XXXX  and is no longer in business. XXXX  Attorney General also filed a suit against XXXX XXXX. Statue of limitations has ran out in XXXX  where debt was establish. My work, job etc. are all affiliated with XXXX but MSW LLC has filed in XXXX haven't lived there over 12 years. I have seek legal advise to have case dismissed due to lack of jurisdiction but the lawyer has been trying to submit debt without having me appear in court. Last document was sent to me by lawyer on XX/XX/XXXX stated order for judgement. Upon consideration of the Plaintiff 's Motion for Judgement, together with good cause shown and upon the failure of the defendant to properly answer Plaintiff 's Interrogatories in this proceeding, it is therefore, this __ day of XXXX XXXX, by the District Court for XXXX County ordered, that the Plaintiff 's motion for judgement be and is hereby Granted and it is further ordered that judgment be and is herby entered in favor of the Plaintiff and against defendant in the principal amount of XXXX, plus pre-judgment interest in the amount of XXXX plus court costs and post-judgement interest at the legal rate. No signature of Judge on bottom or dates in space. Court date XX/XX/XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (PA)

On XX/XX/XXXX I sent a XXXX to XXXX challenging a collection account from XXXX that did not belong to me. It was then deleted from my credit report. XX/XX/XXXX I noticed the collection came back with a different name. The name is XXXX. XXXX XXXX XXXX.
Consumer complaint received 2020-06-16
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)

We transferred funds from our XXXX  checking account to our Citi ( COSTCO ) Visa account to pay our monthly bill of {$400.00} but mistakenly transferred {$40000.00}. Post date XX/XX/XXXX. Discovered the errorXX/XX/XXXX. 
Called Citi Bank XX/XX/XXXX 
1. ) XXXX Spoke to XXXX ( XXXX XXXX ) who told me NO WAY to electronic transfer {$39.00} back to XXXX  because no record that bank account in their records. THIS WAS A LIE! SHE REFUSED TO GIVE ME HER COMPLETE NAME OR LOCATION! Would have to send us a check in the mail. I don't want to risk a check this large in the mail. Her story changed every time she told me what could be done & the time frame. Asked to speak to a supervisor. She said she would get one & put me on hold. Eventually I was disconnected. 
2. ) XXXX Called back, Spoke with XXXX. Identical situation. 
3. ) XXXX Called back, Spoke with XXXX. Identical situation BUT she did connect me with XXXX, a supervisor. XXXX refused to provide last name, location or employee #. Very convenient! Did say she was in XXXX Florida and they had a XXXX XXXX. She investigated and told me that they actually DID HAVE all the XXXX  info & would process an electronic funds transfer but it would take several weeks. I don't understand why it will take that long & I NEED THE MONEY NOW! It was transferred to them instantaneously. In light of all the misinformation from Citi, I DO NOT TRUST them. 
Their Complaint??? ID # is XXXX.
Consumer complaint received 2022-06-29
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. (NC)

In accordance with the Fair Credit Reporting Act : The XXXX  XXXX XXXX  # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX  # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX  XXXX # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting Act : Dept of Ed/XXXX  # XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602A states I have the right to privacy.

15 U.S.C. 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-08-01
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc. (TX)

I have disputed this debt with XXXXXXXX XXXX XXXXXXXX as well as XXXX. I had a roommate at the time at the apartments now called the XXXX XXXX XXXXXXXX. This debt is {$6800.00}. I am XXXX  and currently XXXX  and am unable to obtain an apartment. My car is falling apart and I can not afford this at all. I have been sleeping on couches with friends and will be XXXX XXXX XXXX XXXX XXXX XXXX. This debt is not valid and the charges are outrageous. No pictures can be provided to verify this and no reasoning as to why. It has been on my credit for about 6 years now.