davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-04
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)

accordance with the Fair Credit Reporting act XXXX XXXX XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX Acct # 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 2023-03-04
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. (NJ)

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 account : # XXXX has violated my rights. Under 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.
Consumer complaint received 2023-03-07
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. (MO)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$7100.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2023-03-07
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. (NC)

TO WHOM THIS MAY CONCERN, I am a Victim of Identity Theft FROM YOUR DATA BREACH. My claim number is XXXX. 
There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. 

Inquiries that I did not do - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I did want to note that , I DID APPLY WITH XXXX XXXX XXXX, XX/XX/XXXX THIS YEAR. Not to mistake with the other dates that I did not apply with them. 

ADDRESSES THAT I HAVE NEVER LIVED- - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNTS THAT I DID NOT OPEN THAT ARE ON MY REPORT - XXXX XXXX XXXX XXXX XXXX XXXX- {$170.00} - DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.

PLEASE DELETE THESE INQUIRES AND ALSO THESE ACCOUNTS FROM MY CREDIT REPORT I DID NOT DO THEM NOR APPROVE ANY TO BE OPENED.
Consumer complaint received 2017-02-21
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I live in XXXX. On XX/XX/2017 & XX/XX/2017 someone if XXXX went to a XXXX Bank of America using my husbands name and made XXXX transactions for a total of {$22000.00}. The bank did not question it or notify me of this. I found it myself. I filed a Fraud claim with the Bank - Claim # XXXX. The denied the claim via email on XX/XX/2017 stating they had not been notified that or identification was lost or stolen and that the signatures on the items we claimed were consistent with the sample of the signatures on file with them. Neither are correct and we have never been to XXXX. I went again to the local bank today who contacted the Fraud dept and was told that the claim was denied and they would not re-open it. They would also not let us file a new claim on any transactions that were already filed on. Basically I 'm out my $ XXXX and that 's it, Bank of America will not return my money.
Consumer complaint received 2017-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: WELLS FARGO & COMPANY (IL)

I have a new mortgage that has not reported to my credit report. I have made 3 monthly payments and about to make a XXXX payment on XXXX XXXX.
Consumer complaint received 2023-03-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (GA)

I opened the account on XX/XX/XXXX at Truist Bank and try to deposit the check through App on XX/XX/XXXX at business hour around XXXX XXXX. I have got an email from Truist Bank said thay are going to hold my check until XX/XX/XXXX with verification of check which is XXXX XXXX XXXX check for {$1600.00} which I can cash out from XXXX XXXX right away. There was no information to hold the check when I open the bank account and there is not an policy indicate this incident. Also, App didn't indicate this issue when I do mobile deposit. Normally, what i know is normal check is cleared with in a business day with other banks and I deposit the check as usual. 
I contacted bank customer service and asked them why it is hold but they said they don't know exactly why it is hold and just say it is because of verification. They are holding the money without reason for over 10 days with no interest. Also, they mentioned that if any payment come and hit my account and over draft the amount, that is going to be my fault and they will charge me the over draft fees because they are holding my fund. I have money but they are blocked my fund to use it.
Consumer complaint received 2023-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-03-07
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. (NC)

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 2017-02-22
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (PA)

I 'm a co-signer on my son 's student loan through Navient/XXXX. I 've been paying for years on the loan and the balance does n't seem to move. Also, when I talk to representatives, they seem confused and give me conflicting answers to my questions. Recently they just raised my interest rate to almost 10 % without notice. When I called for them to explain the reason for raising the interest rate, there answer was because of government regulations. It says on there website that interest rates can only be raised because of your credit score. My credit score is excellent and I do n't understand their reasoning. I am disgusted dealing with Navient and never seam to get an honest answer. When I asked if there is someone I can talk to in person, there reply was there is n't anyone in the company that I can talk to or physically go to.
Consumer complaint received 2016-04-28
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (CA)

I was attending XXXX XXXX XXXX and I was terminated for failing XXXX class because of my teacher. I was on academic probation and I was told if I did not pass all my classes I was going to be terminated. But my teacher did not help me or try to reach out to me instead he made me feel very uncomfortable and I felt left out of the class. I attended XXXX day and he marked me absent and I got dropped from the class. I talked to the XXXX about it and I asked if there was any way I can make up that class, he said to talk to my teacher. My teacher did not take interest he said there was no way I could do the work. I had no chance I passed all my other classes I felt like it was not a fair move. I know someone that was in the same situation as me but they had more encouragement from the dean and staff instead of me. I was told about my situation until I was almost done with my courses, I was suppose to graduate later this year in XXXX. Know I cant get back into school because my credits ca n't be transferred and I 'm left with student loan debt.
Consumer complaint received 2023-03-04
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)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy. 
( 1 ) DepedXXXX # XXXX {$21000.00} ( 2 ) DepedXXXX # XXXX {$12000.00} ( 3 ) DepedXXXX # XXXX {$10000.00} ( 4 ) DepedXXXX # XXXX {$7700.00} ( 5 ) DepedXXXX  # XXXX {$7400.00} ( 6 ) DepedXXXX # XXXX {$7100.00} ( 7 ) DepedXXXX # XXXX {$5900.00} ( 8 ) DepedXXXX  # XXXX {$5700.00} ( 9 ) DepedXXXX  # XXXX {$5500.00} ( 10 ) DepedXXXX # XXXX {$5500.00} ( 11 ) DepedXXXX # XXXX {$5300.00} ( 12 ) DepedXXXX # XXXX {$4500.00} ( 13 ) DepedXXXX # XXXX {$3500.00} ( 14 ) DepedXXXX # XXXX {$1300.00}. 
15 U.S.C. 1681 section 602 A. States I have a right to privacy.

15 U.S.C. 1681 Section 604 A. Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer reporting 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.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (FL)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2024-10-10
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: Experian Information Solutions Inc. (FL)

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.
Consumer complaint received 2023-03-04
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. (MD)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-03-04
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)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX {$530.00} XXXX & CO XXXX Balance XXXX XXXX {$940.00} XXXX XXXX XXXX XXXX Balance Owed : {$5400.00}
Consumer complaint received 2016-08-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (WI)

I am being contacted by a company called Navient that has refused to validate the debt but is pursuing collections. I do not recognize the debt. I have sent two letters for validation and each time Navient has refused, stating I am not the legal party. I have included all legal information required for validation including name and supposed account number.
Consumer complaint received 2023-03-04
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. (NY)

Upon reviewing my credit report. I noticed that these credit agencies were falsely reporting on my credit profile. 
I tried contacting XXXX, XXXX & TransUnion consumer solutions. But didnt receive an answer. I sent out letters on XX/XX/XXXX & still havent received anything back. On my credit report, I see that my XXXX XXXX has a past due 30 days late on XX/XX/XXXX. I have never paid my account late and I asked them to update the account to paid as agreed. According to 15 U.S. Code & 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information. Anything thats Not being reported correctly must be adjusted to the correct status. Please help me with this convenience.
Consumer complaint received 2023-03-04
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. (NJ)

Personally, I'm writing to you. NO THIRD PARTY IS INVOLVED IN THIS DEMAND. 
This is not my first time alerting you to unfair practices. You verified these accounts without contacting me. The banking system relies on fair and accurate customer reports, and this is a big example of you being unfair. Without my consent, false information is reported. During your original investigation, your organization didn't tell me these inconsistencies would be reported. 

I'm letting you know that I've been a victim of error, which has made me distrust your company 's methods. Because of that, I will no longer extend my credit, and if this information is not erased, I will no longer enable you to record my information in your company 's database. 

I lost my reputation and credit due to your company 's mistake. 

Your company assumed that was accurate information without my, the consumer 's, or a competent court 's approval. So, you failed to initially investigate this information. You assumed this role and believed this information. ANOTHER VIOLATION. YOU CAN NOT ASSUME FOR ME OR ASSUME THIS INFORMATION WAS VALID. 

You didn't check this information and didn't act fairly. You didn't ask me if I made this transaction. My privacy was compromised, violating my private rights. 


In your original inquiry, you never offered me the chance to dispute this material was mine before you put it on my report. 

I will demand reimbursement for the harm your organization caused me by reporting incorrect information and that efforts are taken to prevent future violations of the Fair Credit Reporting Act ( 15 USC 1681 ). I also require a written confirmation. 

I'm writing again on my own behalf about these demands. There's no third party. I'm giving you another chance to meet my demands. My first attempt arrived via certified mail. Certified mail will be used for this attempt. 

REMOVE ALL ACCOUNTS LISTED BELOW OR THIS WILL LEAD TO MORE DAMAGES XXXX XXXX ACCOUNT # : XXXX XXXX XXXX XXXX ACCOUNT # : XXXX XXXX XXXX ACCOUNT # : XXXX XXXX XXXX XXXX ACCOUNT # : XXXX XXXX ACCOUNT # : XXXX XXXX ACCOUNT # : XXXX
Consumer complaint received 2017-02-23
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated committed crime not paying
Company: Financial Credit Service, Inc. (MO)

I recieved a call today regarding my ex husbands uncles debt. I have been divorced 5 years. I recieved a call from an unknown number stating they were with the XXXX courts and that I was being supeoned to testify. They needed my attorneys name to update the courts. When I asked what this was regarding they directed me to contact the plaintiff at XXXX. I recieved this call at work and had to leave my responsibilities to go to a conference and call the " plantiff ''. The number went to a company called a.r.a. asset recovery associates. The woman I spoke with said her name was XXXX XXXX. She said I was a co-dependent in a case against my ex husbands uncle. She provided me with case no. XXXX XXXX. She stated I was a co-defendent in a case against him regarding XXXX charges of check fraud which would be filed today. When I asked more questions she hung up on me. I called XXXX XXXX County and city courts. Neither had the case no. Asset recovery associates provided me with. I called asset recovery associates back at XXXX and the woman who answered the phone did not provide her name but stated she had already spoken with me today. I said I was hung up on earlier. She said that was because I kept calling. I asked her to send me something in writing regarding case no XXXX XXXX. She said you 'll get your supenoa. At that point I assumed she was using deceptive debt collection practices and asked her to cease and desist. She said only my attorney can request a cease and desist She then hung up on me again. These claims she made that I was a co-defendant in a case that had absolutely nothing to do with me caused me XXXX. I may recieved a supeno and if that 's the case then we 'll deal with that. However I feel that they had no right to threaten me on a fake cae