davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-09
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (NY)

On XX/XX/XXXX I spoke with Navient regarding some loans that I did not realize were part of a different arrangement and not under school deferments regularly. I have a private loan in particular that was in arrears and I arranged to do a retroactive forbearance to bring it current while I sorted out my school deferment process to bring these loans out of repayment. I did this once before, in XXXX of XXXX, and they did not charge me for the practice of forbearing them. This time, as they had years ago when I last needed to do this, they charged me {$50.00} as a good faith payment that they said is standard operating procedure. In the fall I received a settlement from them due to a multi-state lawsuit regarding private student loan practices for borrowers having difficulty repaying their loans and I was specifically refunded for these {$50.00} charges that they should not have charged. It's rather strange when asking for a forbearance due to payment difficulties that Navient asks to collect a good faith payment without saying exactly where this money is going ( to principal? total capitalized debt burden? ) but anyway, it seems they have resumed a practice they seemingly acknowledged was not proper in the past.
Consumer complaint received 2020-06-25
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. (MS)

I HAVE BEEN A VICTIM OF IDENTITY THEFT AND A LIST OF FRAUDULENT ITEMS HAVE APPEARED ON MY CREDIT REPORTS PER SECTION 605B ... PLEASE BLOCK AND REMOVE THESE ACCOUNTS IMMEDIATELY! 

XXXX  XXXX. XXXX XXXX XXXX, TX XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
PLEASE BLOCK AND REMOVE ONLY THE FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Numbers : XXXX XXXX # XXXX {$610.00} XXXX XXXX # XXXX {$200.00} XXXX XXXX # XXXX {$1400.00} XXXX XXXX XXXX XXXX # XXXX {$270.00} XXXX XXXX XXXXS # XXXX {$1300.00} XXXX XXXX XXXX  # XXXX {$420.00} Inquiries : XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX GXXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Transunion Fraud Victim Assistance Department XXXX. XXXX XXXX XXXX, PA XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction XXXX XXXX ) that I have made. It is the result of identity theft. 
PLEASE BLOCK AND REMOVE ONLY THE FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Numbers : XXXX XXXX XXXX XXXX # XXXX {$1300.00} XXXX XXXX XXXX  # XXXX {$51.00} XXXX XXXX XXXX  # XXXX {$65.00} XXXX XXXX XXXX # XXXX {$150.00} XXXX XXXX XXXX # XXXX {$420.00} XXXX XXXX XXXX # XXXX {$1400.00} XXXX XXXX XXXX  # XXXX {$200.00} XXXX XXXX XXXX  # XXXX {$610.00} XXXX XXXX XXXX XXXX # XXXX {$270.00} XXXX XXXX XXXXXXXX XXXX # XXXX {$140.00} Inquiries : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

PLEASE BLOCK AND REMOVE ONLY THE FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Numbers : XXXX XXXX # XXXX {$150.00} XXXX  # XXXX {$65.00} XXXX  # XXXX {$51.00} XXXX  # XXXX {$1400.00} XXXX  # XXXX {$200.00} XXXX  # XXXX {$610.00} XXXX  # XXXX {$1300.00} XXXX # XXXX {$140.00} XXXX  # XXXX {$270.00} XXXX  # XXXX {$420.00} Inquiries : XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX   XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-01-09
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. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-01-09
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. (OK)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2020-06-25
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc. (CA)

On XX/XX/2020 at XXXXish I received a call from Comenity Bank and spoken to them about some debt I have. 5 minutes later I received a call from a family member saying they were contact by them as well around XXXX. This Family member has no right to my info and isnt on none of my paperwork so they have broken the fair credit act with me and I will like to know whats the next step to be taking.
Consumer complaint received 2020-06-24
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (CA)

To summarize, housed burned down in XX/XX/2020. Reported it to the mortgage and insurance. They eventually sent me a check for {$140000.00} which was made out to both me and my mortgage company. I was told to endorse it and send it to their bank, which I did. They were suppose to pay off my mortgage and return the difference ( about 1/2 ) to me, but they never returned my half. An attorney told me to do it that way, because the ins. co. said that I don't get anything if I don't restore to the full value, but they were not giving me enough to rebuild as they wanted. I had previously tried to get Ca Dept. of Ins. to help and they referred me to a Ca agency, each taking paper work and time. The Ca agency said they could not help, and the ins. dept. then referred me to Office of the Comptroller of the Currency. OCC said my " complaint is against an entity that does not fall under the jurisdiction ... '' and they referred me to you. Today, I got a notice from the Sheriff to clean up the burned house, but I need money to do it. I thought the OCC would help and so I sent them a lot of papers that I hope they will forward to you, because I am old and tired and sent them originals. Also, the letter from OCC is made out to me and to " XXXX XXXX '' that is my middle and maiden name. Not a different person. Please help me end this night mare. I paid XXXX XXXX  XXXX. for 16 years for nothing. I so hope you are the end of the line, and can do something. Just tell me what else you want and I will get it done. I do have XXXX, and so only have about 1/2 a day each day. Took extra meds just to get this to you. Always tired.
Consumer complaint received 2022-06-14
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: City Enterprises, LLC (TN)

I XXXX XXXX XXXX a certified/registered letter on XX/XX/2022 requesting all paperwork in regards to my account. I would like the loan contract and application that was submitted for car. I also request alleged information that is being reported on my credit report. I'm showing {$9.00}, I would like to know how this about was computed. As a right of mines I would like this alleged information being reported
Consumer complaint received 2023-01-09
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. (AZ)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX  breach and XXXX have got into the hands of the wrong person.
Consumer complaint received 2023-01-09
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Sunlight Financial LLC (PA)

A sales rep from XXXX XXXX applied for a loan for me as part of a sales pitch. There are allegations that sunlight financial worked with XXXX XXXX in fast tracking huge inflated loans, with promises of credits snd rebates to defeat XXXX large part if the cost. XXXX XXXX has filed XXXX  bankruptcy.
Consumer complaint received 2023-01-09
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: EQUIFAX, INC. (CO)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-05-15
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. (MO)

On XX/XX/20 I, XXXX XXXX mailed a letter to TransUnion asking for verification of debt regarding items ( XXXX XXXX XXXX and XXXX XXXX ) on credit report. On XX/XX/20 I received dispute results dated XX/XX/20 stating that the items are accurate with no proof of accuracy.
Consumer complaint received 2023-01-09
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. (CO)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-07-16
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. (LA)

I wanted to start building my credit because I am close to the age where I want to purchase big things. I've been applying for several different credit cards and been getting denied from each one. I received a letter in the mail from the most recent credit card i applied for starting that I was denied because of derogatory items. I was confused because I have never even applied for many items and the one credit card I had I paid for it and had the account closed. I decided to pull my credit and there are a couple of unknown item that do not belong to me. Please remove these fraudulent items from my report. XXXX XXXX {$400.00} XXXX XXXX XXXX XXXX {$14000.00} XXXX XXXX {$390.00}
Consumer complaint received 2022-07-17
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. (FL)

Accordance with the fair credit reporting act XXXX XXXX XXXX # XXXX, 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 stated a consumer reporting agency CAN NOT furnish a account WITHOUT my written instruction.
Consumer complaint received 2020-06-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY (NJ)

Hello, I am writing this complaint today because i am extremely upset with wellsfargo 's customer service and actions lately. I've been a valued consumer of wells fargo and a loyal customer of theirs since XXXX. In XXXX of XXXX, i had contacted wellsfargo in regards to multiple fradulent activities that were happening to my credit card account, in which they confirmed i did not have to make payments until i recieved my new credit card. my case was resolved but i still didnt recieve any card, nothing in the mail, or anything to confirm. I didnt pay XXXX, or XXXX because i was out the state. but i come back home in XXXX they closed my account, and they only reason i knew was because i checked my mobile app. i was furious. i never had a late payment EVER. i never had issues with them before so why is it did no one contact me to tell me they were cloing my account. Does 7 years not mean anything. i mean i talked to representatives ive talked to superviors. all they could tell me was " ma'am '' the accounnt is closed there is nothing we can do. i told them why didnt they notify me and why after my account was scammed would they not try to help me?. now my account is closed and on my credit reports is shows 2 late payments and my score went dramatically down after they closed it. not only am i making payments after finding out they closed but they're charging me an extra $ XXXX of interest each month for my monthly payments. companys like this should work with their clients! its ridiciolous i had to even go to XXXX to make disputes and they told me that wellsfargo does not want to assist them so they had to close my disputes. i worked too hard and put alot of money in wellsfargos pocket for them to close my accounts after their representative misinformed me and never sent me documentations to my home.
Consumer complaint received 2023-01-09
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. (AZ)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX  you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-06-24
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. (CA)

I'm trying to buy a new car so I went to the car dealership today XX/XX/2020 and they ran my credit to see what bank would approve me for the auto loan but when my scores and reports came back, I was told I did not get approved by any bank because of some accounts reflecting badly on my credit. The accounts are from these companies. XXXX   XXXX XXXX, XXXX  XXXX XXXX and XXXX XXXX XXXX. I have never opened an account with any of those companies nor did I give anyone permission to open these accounts on my behalf. I don't know who is responsible for these accounts but I have already filed a police report. I did not benefit anything as a result of these accounts being open in my name nor did I contribute to any payments made towards these accounts. I am not affiliated to any of the companies listed above and I did not allow them to run or access my credit nor do I have any type of contract or agreement with them.
Consumer complaint received 2023-01-09
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. (FL)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over XXXX days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report. It has been over XXXX days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-06-25
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (PA)

Thank you for reviewing the complaint. After reviewing the credit profile, XXXX continues to report account XXXX repeatedly. According to FCRA the method of reporting is illegal and inaccurate. The multiple accounts display as if 26 late-payments, instead of two late-payments.

The method of reporting continues to compromise credit score and creditworthiness.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

"
Consumer complaint received 2020-07-16
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. (NY)

I had a XXXX  card opened on XX/XX/XXXX. which was closed around XX/XX/XXXX i believe the date was. To make a long story short XXXX had agreed to remove this card completely off my credit file. It is still showing on my closed accounts. I had called them early XXXX and a few other times in XXXX about this & they said on the phone each time it would be taken care of. I am currently looking at my credit report and still see it there. Which is why I am coming to you guys. I just want them to honor what they said and remove this from file. I have an attached screen shot of the account. Again all I am looking for is for XXXX to honor what they said they were going to do and remove this closed account from my file. Thank you
Consumer complaint received 2020-06-25
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Thank you for reviewing the complaint. After reviewing the credit profile, XXXX continues to report account XXXX repeatedly. According to FCRA the method of reporting is illegal and inaccurate. The multiple accounts display as if 26 late-payments, instead of two late-payments.

The method of reporting continues to compromise credit score and creditworthiness.
Consumer complaint received 2023-01-09
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Data Systems, Inc. (GA)

XX/XX/2023 {$1000.00} I have contacted Medical data systems inc in asked could they verify this info below within 15 days. About this collection on my consumer report. 
1 ) An explanation of what this alleged account is for.

2 ) A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct.

3 ) Documentation that shows I agreed to pay this debt with my signature.

4 ) The agreement that grants you authority to collect on this alleged debt.

5 ) A copy of your state license, including license number that give you right to collect in my state.

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act.