davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-13
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. (IL)

Delete this account XXXX XXXXXXXX for violation of sectioXXXX XXXX XXXX failure to enter the required notice of dispute within 30 days of receiving the initial dispute letter. The Initial dispute was acknowledged by Transunion on XX/XX/2022. Acknowledged by XXXX on XX/XX/2022. Acknowledged by XXXX on XX/XX/2022. Delete for violation. 

Delete this account XXXX Bank XXXX for violation of section 623 for failure to enter the required notice of dispute within 30 days of receiving the initial dispute letter.The Initial dispute was acknowledged by Transunion on XX/XX/2022. Acknowledged by XXXX on XX/XX/2022. Acknowledged by XXXX on XX/XX/2022. Delete for violation.
Consumer complaint received 2022-06-13
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. (TX)

To whom it may concern, My name is XXXX XXXX XXXX, XXXX XXXX I have reviewed my TransUnion credit report and noticed a few hard inquires that I did not ask for. This is a written request for the following hard inquires to be removed. I have called TransUnion and the creditors and was given the run around about this situation. If not resolved in XXXX days I will have to contact the Consumer Financial Protection Bureau once again. If you have any questions or concerns, feel free to contact me at XXXX or email at XXXX Thank you, XXXX XXXX XXXX Hard Inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-12-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (LA)

I hold XXXX federal loans that are serviced through edFinancial services. The total amount of these loans came to {$15000.00}. 

On XX/XX/2023, I payed the full amount of these loans to edFinancial services. I used their auto-allocation option, which automatically allocates money to each loan depending on certain factors. This option allocated the money disproportionately, giving the XXXX highest interest rate loans a negative balance of $ XXXX and $ XXXX and not affecting the other XXXX loans significantly. Because of this, my account still shows a balance of {$9200.00} and interest continues to grow on it. 

On XX/XX/2023 I called edFinancial and the representative I spoke with told me that the funds could be reapplied in order to make the balance on my account {$0.00}, and that the interest would be rolled back to the date I paid and effectively removed. I have not been given any update from them and have seen no movement on my account since.
Consumer complaint received 2022-06-13
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. (TX)

To whom it may concern, My name is XXXX XXXX XXXX, social XXXX I have reviewed my TransUnion credit report and noticed a few hard inquires that I did not ask for. This is a written request for the following hard inquires to be removed. I have called TransUnion and the creditors and was given the run around about this situation. If not resolved in 30 days I will have to contact the Consumer Financial Protection Bureau once again. If you have any questions or concerns, feel free to contact me at XXXX or email at XXXX Thank you, XXXX XXXX XXXX Hard Inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

CONTACTED XXXX XXXX AND XXXX ABOUT A BANKRUPTUCY ON ALL 3 REPORTS AND THEY TOLD IT WAS VERIFIED BY THE PA COURT SO I CONTACTED THE COURT HOUSE AND THEY SENT ME A LETTER STATING THEY DONT REPORT TO CREDIT AGENCIES AND NEVER HAVE PLEASE HAVE THIS REMOVME FROM MY CREDIT REPORT IVE BEEN TRYING FOR 6 MONTHS NOW TO HAVE THIS INFORMATION REMOVED
Consumer complaint received 2022-06-13
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. (TX)

There are several accounts being reported on my credit report. I do not know any of these companies. I have never done business with any of them. These collections companies do not not have a contact with my signature.
Consumer complaint received 2022-06-21
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (OH)

On XX/XX/XXXX Experian sent me an alert that my credit score had been updated. XXXX reported that I was 90 days delinquent on XXXX XXXX. The United States is on a student loan freeze, and my income based repayment plan was reaffirmed back in XXXX. XXXX said it expired in XX/XX/XXXX, but my payments were {$0.00}. Now, in XXXX theyre saying Im 90 days past due and I have never had an issue until now. Amounts are reported as XXXX, {$7600.00}, {$2500.00}, and {$1800.00}. I have disputes this with Experian and the Ohio Attorney Generals office. I just want the 90 day delinquency removed from my credit report since it hit my credit hard and I have never been late and were on a federal student loan freeze. Since they changed my credit report, they have put me on a forbearance to get my past due balance caught up, and my income based payment plan is back in effect. I have another student loan servicer and I dont have any issues with them or their credit reporting.
Consumer complaint received 2022-06-19
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. (NV)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-06-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (MD)

I opened a claim with my bank, Wells Fargo, on XX/XX/22 for multiple transactions, including one for {$630.00}. Later, I discovered that the transaction for {$630.00} that was included in my claim was, in fact, authorized. I notified my bank of this on or about XX/XX/22. Initially, I was told that my request would take 2-10 days to remove the transaction from the dispute. After that time expired, I was told that it was still being investigated. Later, I was told that the transaction was never included in my dispute, although I received communication from the merchant that the funds were sent back to my bank, in XXXX, as a result of the dispute. The funds were never put back into my account, nor does the merchant have the funds. My bank has the funds but haven't been able to locate them. I have a complaint open, a claim open, I have spoken to multiple bank reps, and two supervisors. This matter is still unresolved. I'm still left with the question
Consumer complaint received 2022-06-21
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. (AL)

I've contacted both Transunion and the company below regarding reporting Inquiries that I DID NOT AUTHORIZE. Transunion stated that I should reach out to the company which I did one company rep from XXXX XXXX XXXX ( Inquiry : XXXX. XXXXXXXX XXXX  ) stated that they didn't see any of my information regarding an inquiry and XXXXXXXX XXXX XXXX  ( Inquiry : XXXX. XXXX XXXX ) has no direct number to speak to someone using the number provided by Transunion. Ive tried numerous time to dispute the item and its coming back verified but I'm unable to get it verified when I'm calling the company and transunion to verify it myself which leaves me to believe that they aren't being properly verified. these inquiries are causing a major impact to my credit score and I will like them removed from my report Immediately
Consumer complaint received 2022-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

On ( XX/XX/XXXX ), I wrote a letter informing the bureaus of inaccurate information on my credit report. Now to date over 30 days later I still have not heard back from them and feel like I am being taken advantage of. It clearly states in Section 611 ( a ) that after 30 days any items on my report not verified must be removed indefinitely. They have failed to do so. I demand that these items are removed immediately, if this matter is not handled I will be forced to push this matter into litigation due to the trouble I am having with this situation. My information was also impacted by the XXXX data breach a while back so my information could be in the wrong persons hands.
Consumer complaint received 2021-11-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Adjustment Company Incorporated (TX)

This company consumer XXXX co Just put something on my credit out of the blue I have no idea who this company is. Ive never done any business with them or received any documentatikn from them in the mail. I never entered into any agreement with them in his collection accounts negatively impacting my credit score.
Consumer complaint received 2023-12-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (AZ)

EXperian Is reporting inaccurate information on my credit report. 

FCRA Violation of 15 USC 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Also you are in FCRA violation 1681B Permissible Purpose.

Please provide me an original copy of any documents with my wet signature given you permission to furnish anything on my report.

also please provide me with who you investigated this information with before you furnished this alleged debt on my account. who did you speak with? please give me the names of any neighbor, friend, associate, and addresses and phone numbers.

FCRA 15 USC 1681d ( 4 ) ( a ) Disclosure of Investigative Consumer Report states- ( 4 ) Certain adverse information A consumer reporting agency shall not prepare or furnish an investigative consumer report on a consumer that contains information that is adverse to the interest of the consumer and that is obtained through a personal interview with a neighbor, friend, or associate of the consumer or with another person with whom the consumer is acquainted or who has knowledge of such item of information, unless ( A ) the agency has followed reasonable procedures to obtain confirmation of the information, from an additional source that has independent and direct knowledge of the information ; or ( b ) Disclosure on request of nature and scope of investigation Any person who procures or causes to be prepared an investigative consumer report on any consumer shall, upon written request made by the consumer within a reasonable period of time after the receipt by him of the disclosure required by subsection ( a ) ( 1 ), make a complete and accurate disclosure of the nature and scope of the investigation requested. This disclosure shall be made in a writing mailed, or otherwise delivered, to the consumer not later than five days after the date on which the request for such disclosure was received from the consumer or such report was first requested, whichever is the later.
Consumer complaint received 2024-11-04
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)

THIS IS NOT A DUPLICATE! And i did not authorize any loan nor did i request any loan with your company. At this time i ask you to remove this inquiry off of my credit report with Transunion due to the fact that i did not authorize this. I have here the FTC report with you all attached to it ( XXXX XXXX ) also attached to this complaint listing that this matter is now marked fraud. Please remove this inquiry off my record. thank you.
Consumer complaint received 2022-01-25
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: World Omni Financial Corp. (FL)

I checked my personal XXXX credit report on XXXXNoticed that this unauthorized inquiry had been made : -South east Toyota Fin. XXXX XX/XX/XXXX -South east Toyota XXXXXXXX. XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXSouth east Toyota Fin. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX. XXXX I contacted ( South east Toyota Fin, XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ). who placed the inquiry, and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request.
Consumer complaint received 2021-09-15
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I used the lender XXXX XXXX XXXX  in XXXX to purchase a vehicle. The vehicle was voluntarily repossessed in XX/XX/XXXX. The origination amount was {$11000.00}, remaining was, {$9200.00}. XXXX XXXX took possession of the car at the time and changed the account to a repo. Months later they then changed the account to collections. As a repo they must provide documentation of the auction value and the remain balance. They did not, but they did not. it remained as a collection from XX/XX/XXXX to XX/XX/XXXX. At no time providing the correct documents for this change. 

In XXXX of XXXX XXXX XXXX illegally change the account type once more from collection to open. And has remained in this type. This is reflected on all three major bureaus, Transunion, XXXX, and XXXX. And also on some of the other like XXXX XXXX. This is 100 % not accurate and completely fraudulent. I have sent letter XXXX, XXXX, XXXX and have called in XXXX and XXXX of XXXX. In challenging this all 3 bureaus have allowed this to stand even after I have requested proof multiple times. The response is " this company has verified the account ''. They sent me zero documents to substantiate it is the right information ; zero documents proving it is an open account ; zero documents showing the repo information. 

The account itself is not accurate, it is illegally reopened. The amount being reported is no {$14000.00}. The personal information is not correct as I have sent updated info to the bureaus and XXXX XXXX. For every incorrect and inaccurate reporting. Under the laws of Arizona, UCC Article 6 47-9601-47-9628, most notable 47-9623 and 9625, and State RISA and MIVSA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. this company has not done any of this.
Consumer complaint received 2022-06-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK (PA)

I received 2 letters from Discover stating they received my application for a Discover Bank Account, however, because they were unable to verify my information, the application has been cancelled as of the date of the letters ( XX/XX/XXXX XXXX )
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MI)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-03-21
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 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  year old daughter PLEASE HELP ME PLEASE im XXXX  now.
Consumer complaint received 2022-06-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. ()

JPMorgan Chase Bank , N.A . has failed to take responsability after giving another person access to my bank accounts, locked me out of my online account, changing address, alerts and personal information and requesting a debit card to another address to empty both my accounts. 

It has been a month since I first tried to report it ( XX/XX/2022 ) and they gave an answer on XX/XX/2022, they insist on saying I made those changes and transactions even after I sent them both XXXX and american police file reports, a Federal Trade Comission report and a Consumer Financial Protection Bureau complaint where I declare that I was a victim of theft and did not request those changes. 

The ammounts are {$10000.00} USD on a checking account and {$31000.00} USD on my savings account.
Consumer complaint received 2022-06-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc. (CA)

Hello, I currently have a XXXX XXXX credit card through Comenity Bank. I noticed on Thursday, XX/XX/XXXX, when I tried to use my card at a gas station that it was denied when it should have gone through. I checked that night and wasn't able to access my account through their online portal as it said they are undergoing scheduled maintenance. I continued to check each day through today, XX/XX/XXXX, and the site is still down for " scheduled maintenance ''. 

I still can not use my card, and I am unable to see my statements to make a payment that is due next week. In addition to being down for 5 days, when you try to contact the company using the numbers provided on their site, you get an automated message that says due to unforeseen circumstances, their customer service is not available. 

At this point I am getting very concerned about why their site is still down, why they are unable to be contacted, and why my card is not working, as well as how I am supposed to submit a payment to avoid late fees and a missed payment on my credit report. 

I am unsure how to proceed, or who was best to report this to, but I am sure others are in this predicament too.
Consumer complaint received 2022-06-13
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)

I am a victim of identity theft please see attachments I have included with this case and completed identity theft affidavit Also please refrain from reporting and block all information resulting from this case pursuant to FCRA 605B ( 15 USC & 1681 c-2 ) Which information must be removed within four business days of receipt Understand under ( 15 USC & 1681B ) gives me the power to control everything on my report Im again understand this company will be held criminally liable for aggravated identity theft pursuant to ( 18 USC 1028A ) Extortion theft by deception, securities fraud, and mail fraud. upon the receipt of the documents herion and of this notice you are hereby notified pursuant UCC 1-2021. Your prompt attention and response are both requested in required This notice is to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by the law on my consumer report. 

15 USC 1681b ( c ) furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) information regarding inquiries. Except as provided in section 1681g ( a ) ( 5 ) of this title a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer The following account listed below are a result of identity theft and was not initiated by me I demand that they are deleted immediately My identity has been stolen you are hearby put on notice Account- XXXX XXXX XXXX Account number- XXXX