davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NJ)

This complaint addresses an account that was reinserted into my credit report after I had previously disputed it. The reinsertion occurred without following FCRA procedures on conducting such actions. The information in question remains unverifiable and inaccurate, and there was no certification of its accuracy before the reinsertion as mandated by law. I did not receive any notice of the reinsertion, nor a copy of my credit report within the required 5-day period. I have no received required information on all the parties/furnishers involved with the connection of reinsertion of this account and additionally, I was not provided with the results of the reinvestigation, including any details or proof justifying the reinsertion of this account.These actions violate the guidelines set forth under the FCRA and negatively impacted my credit stability. Furnishing inaccurate accounts without adhering to the FCRAs procedures is unlawful. This constitutes a direct violation of 15 U.S. Code 1681i ( a ) ( 5 ), and represents a failure of your duties as a consumer reporting agency.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

Here is a list of the unauthorized inquiries : 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 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 Experian 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
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HW Holding, Inc (FL)

I am not aware of this debt, nor have I ever had any dealing with this company and it is showing on my credit report. Every attempt to communicate with someone from this organization is met with roadblocks making it impossible to ascertain whether or not this debt is mine and come to terms on a payment plan.
Consumer complaint received 2015-07-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: HSBC NORTH AMERICA HOLDINGS INC. (FL)

HSBC has a derogatory account listed on my credit report. The account remarks state " paid after charge off to third party collections. '' I called HSBC to establish a date of deletion and they informed me that they do not have any accounts details such as account number and date of deletion. It is my understanding that they ca n't report negative information to the credit bureaus if they do not have enough information to validate the account.
Consumer complaint received 2024-11-15
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC (CO)

I was financed a truck from XXXX XXXX XXXX by west lake financial, after XXXX weeks of hving this truck everything started going wrong with it and the dealership wouldnt give me my car fax or do anything about it i tride to trade it in to another dealership and we did the XXXX blue book thing to see what they would give me for it and they didnt want notjing to do with the truck it was that bad and i was shown the XXXX XXXX i went strait over to redrock and told them i wanted a copynof my loan contract and the car fax they wouldnt give it to me i also said i wanted my old truck back and they could keep that unsafe lemmo they sold me or put me in smething more reliable and safe because the truck i was in wasnt even supposed to leave the lot let alone be sold, long story short west lake said they were going to reposes the truck after i told them to come get it and ask them why they would finance a truck that wasnt supposed to even be sold, they never came and repoed the truck it was impounded i had to move and it wasnt running i told west lake where it was and i also told redrock XXXX where it was they never got it and westlake realized they messed up so they just wrote the truck off on my credit, and still to this day the owner of red rock wont meet me in person, i tried to talk to westlake and they denied everything and thats been XXXX yrs ago im on XXXX i cant afford a lawyer and with them screwing up my credit i cant even get a loan to get another vehical, iv been a foot ever since, ive missed doctors appoint ment, i just want them to take that off or finance me for another vehical
Consumer complaint received 2024-10-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

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 

Subject : Dispute of Unauthorized Credit Charge off account Request for Deletion To Whom It May Concern, I am writing to formally dispute several unauthorized charge off account that appear on my credit report. I did not authorize these charge off account and I am requesting that they be removed immediately. 

REMOVE ACCOUNTS IMMEDIATELY XXXX XXXX XXXX Account XXXX Date opened : XX/XX/XXXX Date XXXX XXXX XXXX Account Number : XXXX Date of late payment : XX/XX/XXXX Account opened XX/XX/XXXX I did not authorize these companies to access my credit information, and as such, these charge off account are in violation of my rights under the Fair Credit Reporting Act ( FCRA ). I request that you investigate these unauthorized accounts and remove them from my credit report. 

Enclosed is a copy of my credit report with the unauthorized charge off account highlighted for your reference. Please notify me in writing once the accounts have been removed or if you need further information to process my dispute. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-28
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: WELLS FARGO & COMPANY (TX)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2024-10-24
Product: Credit reporting 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. (TN)

My credit report includes incorrect inquiries linked to 15 USC 1681c-2. I request that all hard inquiries I didnt authorize be removed immediately. Thank you!
Consumer complaint received 2015-04-22
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Genesis Lending (CA)

I called Genesis Lending to discuss the forgiveness currently available for former XXXX Students. I was informed that my loan did n't qualify because I had an AFT loan. Upon further research, this loan is for teachers. I am not a teacher nor did I sign for this type of loan. I have been deceived in so many ways and time after time I am being held liable for a loan that was misrepresented to me. This issue needs to be resolved especially when I 'm repaying a loan I have no information on.
Consumer complaint received 2024-08-27
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. (FL)

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 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (CA)

I was on a payment plan with XXXX ( representing XXXX teeth aligners ) for XXXX years until XX/XX/year>, when they lost my information, this was an administrative error on their part. They called me to attempt to reinstate the payment plan, but the nature of the call seemed fraudulent and did not make me comfortable - not only was I unsure if it was really XXXX, but they were not even able to explain what happened and why they needed to restart the payment plan. 

Then we got to the last step where I needed to upload my bank info into their system to start again the payment plan. This was not how I joined the payment plan initially, so this felt very unsafe and I did not feel comfortable putting my banking info on that document. In addition, the payment email was from XXXX and showed no connection to XXXX in it. I further contacted byte to confirm things but received no response from them. As a result, I concluded this was a fraudulent attempt and ceased communication with the rep. 

Only XXXX months later after seeing my credit score consistently drop did I figure out this was not fraudulent. I spoke to XXXX and paid everything in full - unfortunately my credit score dropper over XXXX points by then. 

When I spoke to XXXX to help me fix the error, they were very unforgiving and insisted it was my fault for not believing the request was legitimate. They are refusing to help clarify the derogatory remarks in my credit report stating I missed the payments, when in fact, XXXX mishandled my file and did not provide a safe way for me to understand the issue and reinstate my payments. 

I had made every single payment until then, as I have for all of my bills, and yet this XXXX point drop has now affected my ability to get a credit card and mortgage rate. 

Attached documents : XXXX. My email to byte asking about the suspected fraudulent behaviour, of which I never received a response from. 
XXXX. Payment request from XXXX coming from XXXX email
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Hi, TransUnion has been doing illegal things to me over the last 15 yrs! if i get one inquiry they take XXXX to XXXX points off my score .... or like today they took XXXX points off my score for my husband adding me as a authorized user. not XXXXne soul in American lost XXXX point to XXXX points for being added as a authorized user. it's a glitch in the system or they are discriminating against me as an XXXX American woman. 

I asked around to muiliple people over the last 15 yrs and out of 300 people no one losses XXXX to XXXX points for a inquiry or being added as an authorized user. 
please restore my points AND the other ones i was cheated out of. 

im XXXX yrs old a XXXX XXXX  a hard worker and all my life i have never had a credit score over XXXX!!! im working my XXXX off to raise it for years and they give me nothing. 
I paid off 99 % with less than {$100.00} to go... ..of my car note i gain XXXX pounts for paying XXXX. thats not fair WHERE IS MY POINTS I DESERVE
Consumer complaint received 2024-11-10
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION (KY)

I am a veteran of the XXXX XXXX XXXXXXXX and have been a loyal customer of XXXX XXXX since XXXX. I believe my account XXXX be part of the overdraft fee issue, and I kindly request that you review it. My direct deposits include income from thXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX paycheck. I believe these factors should be taken into consideration when assessing my account. Thank you for your attention to this matter.
Consumer complaint received 2024-08-27
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. (CA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2024-11-08
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION (TX)

I have had XXXX of overdraft fees from NFCU, and some of that was due to my money management, sure but on many occasions ( theres probably over XXXX, so I dont have dates ) I would have the money posted to the account before the amount was finished processing, ie it was still showing as pending when I got the NSF fee, and the money was in my account.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CT)

I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.
Consumer complaint received 2024-10-24
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. (OK)

Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

My right to privacy is being violated, and I never authorized this information to be included in my credit report. As a consumer, I am aware of my rights, and they are being infringed upon by the inaccurate information reported on my credit. This not only breaches my privacy but also harms my credit score and is negatively affecting my life.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Late Payment : 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 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 2024-10-25
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. (CA)

In accordance with the Fair Credit Reporting Act, This creditor has violated my rights. 
Under 15USC 1681 section 602 states that I have the right to privacy, 15 USC 1681 604A section 2 also states a consumer reporting agency can not furnish an account without my written instructions under 15USC 1666b a creditor may not treat a payment on a credit card account under an open-ended consumer plan as late for any purpose. 

XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Transunion provided they verified bankruptcy # XXXX with the US Bankruptcy XXXX - Nevada .. which was determined a lie!! Transunion also claimed this was verified directly with US Bankruptcy court state of Nevada this is an error or a lie!!! I also contacted the Fraud department at Transunion who stated verbatim that this is not correct!! They have no correspondence at all with The Court House directly therefore, this is an error or a lie!!! Either way pursuant to USC 15-1681, 1682 according to the FCRA Im entitled to a fair credit report!! Transunion has affected my rental screening history, my integrity, my livelihood and most importantly my consumer report this is false fraudulent information, it needs to be deleted immediately I am also entitled to monetary compensation!!!! I provided all documentation proving these are not my bankruptcies you cant even legally file this close together!! The only time I have ever filed bankruptcy was in 2017 which was discharged!! They have my police report as well as all documentation on file!!! This should be deleted immediately if not I will contact my attorney as this is a direct violation of 15-USC 1681 , 1682
Consumer complaint received 2024-08-27
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. (CA)

I received a copy of my credit report. To my surprise, you are reporting this account incorrectly. This collection account is reporting not only as OPEN, but also shows a past due balance of {$8600.00}. According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion. 

XXXX XXXX XXXX
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CT)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2024-10-24
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. (GA)

I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I have documented all correspondence with your company. Please remove these fraudulent accounts, as you know they are in violation of the Fair Credit Reporting Act.