davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Experian Information Solutions Inc. (NY)

On XX/XX/XXXX I received an email from MyIDCare alerting me to a credit inquiry dated XX/XX/XXXX from XXXX XXXX XXXX XXXX. I reached out to XXXX and started a case number XXXX and was told that the Inquiry conducted by XXXX XXXX XXXX was on behalf of XXXX XXXX XXXX. I immediately checked my freezes that I knew I had in place with Experian, XXXX, and XXXX. It turns out that my Experian freeze had somehow been lifted from XX/XX/XXXX to XX/XX/XXXX and I had Experian reinstate it. The activity in question was effectively halted. 
On XX/XX/XXXX I received a letter from XXXX XXXX XXXX, NA, reference number XXXX, stating that I had an application pending for a XXXX XXXX Credit Card and that they require more more information from me. I called them to state that I had never made such an application. They aborted the application and flagged it as fraud. On XX/XX/XXXX I filed a police report with the XXXX, NY police department ; police report number XXXX with Officers XXXX ( XXXX ) and XXXX ( XXXX ).
Consumer complaint received 2021-08-05
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. (FL)

In XX/XX/2021 I accepted a pay to delete agreement from XXXXXXXX XXXX. I paid the requested amount for the account in full. All three credit bureaus refuse to delete the XXXX account from my credit report, they only updated. I have enclosed a copy of the letter from XXXX XXXXXXXX XXXX ( XXXX )
Consumer complaint received 2024-02-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

15 US Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of Identity theft!! Please delete these items IMMEDIATELY!! 

XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/2014 This account should not be furnished on my consumer report as it is in VIOLATION!! Under, 15 US code 1681b - Permissible purposes of consumer reports ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report any on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. I demand the deletion of the listed accounts IMMEDIATELY!!
Consumer complaint received 2024-02-04
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. (MD)

I am writing to file a complaint regarding unauthorized accounts on my consumer file as a result of identity theft. I have already taken the necessary steps to address this issue by filing an FTC report and a police report with the XXXXXXXX XXXX  Police Department. Enclosed, please find copies of these reports, as well as documentation confirming my legal name change from XXXX XXXX XXXX XXXX XXXX pursuant to a divorce order. 

The following accounts, names, social security numbers, addresses, phone numbers, employers, and spouse or co-applicant information do not belong to me, and I request their immediate removal from my consumer report : MY NAME IS XXXX XXXX MY FORMER MARITAL NAME WAS XXXX XXXX  ( DIVORCE ORDER AND NAME CHANGE IS ENCLOSED ) Names to be removed : XXXX XXXX XXXX Addresses to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Social Security number to be removed : LAST XXXX XXXX THIS NUMBER DOES NOT BELONG TO ME ( Enclosed is a copy of my Social Security Card ) Employers to be removed : Consultant XX/XX/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 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 Under 15 USC 1691c-2, I am entitled to have the fraudulent information blocked from my credit report. The relevant federal statute states that when an identity theft victim provides a copy of a police report to a consumer reporting agency, the agency must block the reporting of the information resulting from identity theft. This action is essential for preventing further harm to my credit and financial standing. 

I kindly request that you investigate this matter promptly and initiate the necessary steps to block the unauthorized information from my credit report. Additionally, please provide me with a written response detailing the actions taken to resolve this dispute. 

Enclosures : [ List of enclosed documents, such as identification, XXXX document for name change, police report number, XXXX name and phone number, and FTC report ]
Consumer complaint received 2024-02-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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. (TN)

IVE DISPUTED THE INCORRECT REPORTING OF A DEBT THAT'S NOT MINE ON MY REPORT THEY STATED IT WAS VERIFIED. tHE COMPANY IS IMPACT XXXX XXXX. WHEN I TRIED TO DISPUTE AGAIN THEY STATED I HAD TO CALL AND IT WOULDN'T BE INVESTIGATED AGAIN AND SO I CALLED AND I WAS TOLD THAT TRANSUNION DID INVESTIGATE AND I ASKED THEM HOW COULD THEY REINVESTIGATE AND FINISH IT THE SAME DAY THEY STATED THAT THE REPORTING CREDITOR SENT THEM PROOF AND SO I ASKED THEM WHAT PROOF DID THEY HAVE AND I TOLD THEM I WANTED A COPY OF THE PROOF THEY HAVE. DUE TO I VE NEVER HAD A CONTRACT WITH THE COMPANY NOR HAVE ANY THING ATTACHED TO THE ADDRESS OR A BINDING AGREEMENT, TRANSUNION STATED THEY DONT INVESTIGATE ANYTHING THEY ASK THE DEBT COLLECTOR JUST FOR A NAME AND SOCIAL AND SO SINCE THAT MATCHED THEY WILL NOT INVESTIGATE NOR REMOVE IT FROM MY REPORT. 
ALSO TRANSUNION STATED THAT IMPACT XXXX XXXX TOLD THEM THAT THEY WERE THE ORIGINAL CREDITOR OF THE ACCOUNT ALSO WHICH IS FALSE BECAUSE THEY HAVE NO DOCUMENTATIONS AND NOTHING TO VERIFY
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me feel XXXX XXXX  it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2016-02-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

My husband and I received a letter from Bank of America dated XXXX/XXXX/16 informing us our mortgage is to increase XXXX XXXX, 2016 from {$3800.00} a month to {$4700.00} a month. The explanation seems suspect in that the increase is to bridge an escrow shortage of {$5100.00} ... also due XXXX XXXX? Please help me understand how a monthly mortgage can so dramatically increase just a few months after refinancing. I would have thought Bank of America would have correctly calculated this during the ridiculously long refinancing process.
Consumer complaint received 2016-01-15
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (MN)

Attempted to contact Navient on issues related to tax documentation for my student loans from XXXX College previously located in XXXX XXXX Minnesota. I needed to contact a department to clear up any issues regarding ineligibility for tax deductions. I called their customer service line listed on their website, I was routed to the collections team. I explained I would pay the past due balance online and asked to be transfered to the customer service, or any department that could clarify my tax information, the service rep advised he was unable to transfer me anywhere until my account was brought current. I spoke with his supervisor XXXX, who advised the same thing, once my account was 15 days past due they were unable to provide me a direct customer service line or transfer my call out. I do not believe this company should be able to withhold information on my account due to it being past due, by doing this they are not allowing me to correct my tax information and opening me up to risk on misrepresenting tax deduction information to the IRS. I clearly outlined I did not need the current years information, but instead needed to resolve an ongoing issue.
Consumer complaint received 2024-02-04
Product: Credit reporting 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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality 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  15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section2 : 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
Consumer complaint received 2020-09-03
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: VW Credit, Inc (CA)

I was placed into a covid-19 pandemic deferral program by Audi Financial back XX/XX/2020 until XX/XX/2020 and the total placed on the back end of the lease ... I was told that a lot of customers are struggling to make on time payments due to inconsistency with income so they were not going to report any negative remarks if more than 30 days late to the credit reporting agencies until further notice and that they are only reporting " D '' for no data on all Audi financial customers that are struggling to make on time payments. For some reason I scheduled my XXXX payment online to be paid on XXXX and payment is due XXXX it didn't transact so it hit on XXXX and was considered more than 30 days late and they reported a late to the credit agencies dropping my credit score and said that it was a mistake and it should have just shown " D '' for no date per the audi fin reps.
Consumer complaint received 2020-04-23
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: EQUIFAX, INC. (IN)

( 103 true Identity theft ) XXXX File NumberXXXX Equifax Report Confirmation:XXXX  XXXX Report Number:XXXX ACCOUNT NAME : XXXX XXXX Account # : XXXX ACCOUNT NAME : XXXX   Account # : XXXX ACCOUNT NAME : US DEPT ED ACCOUNT NUMBER XXXX ACCOUNT XXXX : DPT EDXXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX Original Creditor : XXXX XXXX ) Account # : XXXX ACCOUNT NAME : XXXX, XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Account # : XXXX ACCOUNT NAME : XXXX XXXX ( Original Creditor : 08 XXXX XXXX XXXX XXXXXXXX XXXX XXXX   ) Account # : XXXX ACCOUNT NAME : XXXX ( Original Creditor : 11 XXXX XXXX Account # : XXXX IVE BEEN TRYING TO REACH OUT TO Equifax XXXX XXXX BUT THEY ONLY RIGHT ME BACK SAYING ITS VERIFIED PLEASE HELP ME THANK YOU!!
Consumer complaint received 2016-10-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA (NJ)

MY BALANCES FROM MY STUDENT LOANS ARE BEING REPORTED ON ALL MY CREDIT REPORTS WITH A HIGH BALANCE BUT MY CURRENT PAYMENT IS XXXX DOLLARS, BASED OFF THE INCOME DRIVEN PAYMENT PLAN. BANKS KEEP QUESTIONING ME ABOUT THIS AND IT IS MAKING IT MORE DIFFICULT FOR ME TO GET A LOAN BECAUSE OF IT.
Consumer complaint received 2017-08-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (VA)

This is for the XXXX XXXX Credit card ending in XXXX. I should have been allowed to transfer or redeem the XXXX points that equates to at least {$590.00} in a statement credit. On XXXX XXXX, 2017, I received a statement showing the XXXX points were not available. I also can not access the points online.
Consumer complaint received 2015-08-21
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America did an unexpected or unauthorized automated payment from my personal account to my inactive past due small business credit card account that had been inactive for months. The amount of the transfer is {$490.00} and happened XXXX XXXX, 2015.
Consumer complaint received 2024-02-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Consumer complaint received 2024-02-04
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. (OH)

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. 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. Please delete the following accounts : XXXX XXXX
Consumer complaint received 2021-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I was a victim of the XXXX  data breach so in XXXX I submitted a complaint to the credit bureaus asking for the inaccurate items to be removed. I understand that Covid is going on so I tried to be patient. Then in XXXX I sent another letter XXXX this time certified mail ) asking again for them to remove the items and again I got no response. This is beyond ridiculous and I believe they're trying to take advantage of me and hinder my ability to get new credit. Please send them as many fines as possible until they remove those items from my report because it's been well over 30 days which is way more than enough time for them to remove them.
Consumer complaint received 2015-03-31
Product: Credit card — 
Issue: APR or interest rate — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have been a bank of America customer since XX/XX/2005.I opened a checking, savings and a credit card account, my issue is with the credit card account 's APR percentage, it went from10.99 % to 16.99 %. I spoke to the account manager/ account specialist about lowering the APR I was told there was no promotion available for my account they could n't do anything for me. The reason for the APR increase was the bad economy, the economy has recovered yet Bank of America refuses to lower my APR. I feel wronged ... that 's not how you treat a loyal customer!!
Consumer complaint received 2024-02-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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. (NC)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2020-05-11
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. (NC)

I disputed a public reporting with Transunion and XXXX  which was 2 bankruptcy filings that shows dismissed. I was told that the information reporting came from XXXX XXXX. I contacted XXXX XXXX and initiated a dispute in which they came back and deleted the reporting from my files. I received an updated report from XXXX XXXX along with information about why they deleted. I then forwarded this information to Transunion and XXXX  for them to review and update my file and delete their public reporting to match XXXX XXXX. Transunion and XXXX  refuses to update my file and claims that XXXX XXXX validated the reporting which is not true, because I spoken with XXXX XXXX and received a new file from them showing NO BANKRUPTCY reportings. XXXX XXXX update reporting came to me on XX/XX/2020 Transunion responded to my dispute with no investigation XX/XX/2020 and XXXX  response is dated XX/XX/2020.
Consumer complaint received 2020-10-12
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. (FL)

I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS LATE PAYMENTS REPORTED ON THE ATTACHED ACCOUNTS. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS TO THOSE ACCOUNT. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS. PLEASE CONSIDER MAKING A GOODWILL ADJUSTMENT TO MY ACCOUNTS THAT'S LISTED.
Consumer complaint received 2024-02-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I enter in this program to help assist with my credit. After reviewing my report, I noticed a particular item showing on my report incorrectly. I sent letters to all credit reporting agencies, along with a snapshot of my credit report. 

In XXXX I was robbed at gunpoint for my car. The insurance company paid majot portion of the vehicle, and about XXXX went into collection. I settled with XXXX XXXX and payed XXXX, in XXXX. I spoke with XXXX in XXXX, and notifyed ne my accosunt was paid, and I have no obaligation with them. 

I havent gotten a clear respond from the credit agencies, They have yet to update or change anything reflecting to my credit report. 

TransUnion is reporting Derogatory XXXX is reporting PAID XXXX id reprting Derogatory I would perfer it to show PAID across each credit reporting agenceis.
Consumer complaint received 2016-07-12
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (CA)

This is a follow up to Case number : XXXX. 
Wells Fargo Bank gave me a response through your agency. However, they were being deceitful ( as explained in my response to their response ). They were being deceitful to you in regards to the actions that my father and I took, namely call the number they gave us to give authorization for the case to proceed. The case is not closed and now that they have the verbal authorization from my father on their audio recording, they are still holding on to the {$600.00} in fees they took from my parents. I have also sent XXXX XXXX of Wells Fargo a hard copy by U.S. Mail informing him/her of the audio recording authorization and they have refused to refund the fees.