davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-03
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. (NC)

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2018-08-22
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Navient Solutions, LLC. (TX)

My mother ( co-signer ) was contacted by the XXXX XXXX XXXX XXXX, demanding her to pay the amount of $ XXXX from XXXX XXXX Loans which includes the principal, interest, and fees. I was confused because I had my student loan was discharged by Federal Student Aid and is currently in 3 year discharge monitoring period due to low income and XXXX. Therefore, my mother, the co-signer, does not owe the debt, neither do I. For precaution, I rechecked with the Federal Student Aid and I'm still under monitoring period and I already gave my income information of 2017 which it hasn't changed for years. If you want evidence, I'll happily provide it, just let me know where to send the information or you can check it out by yourself by contacting the FSA. 

Please, inform the XXXX XXXX XXXX XXXX that my mother and I do not owe them anything and to desist any further contact.
Consumer complaint received 2024-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I requested for Transunion to XXXX XXXX Back onto my credit report. I accidentally included XXXX, XXXX XXXX, & XXXX XXXX in a previous dispute since I am a victim of XXXX XXXX  however, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX belongs to me. My XXXX  Advisor at My Program created the Dispute Letter For me however, she accidentally included those accounts however, those accounts belong to me. I forgot to look over the letter before I submitted it I already requested XXXX XXXX XXXX XXXX to reinsert those accounts onto my report. I am awaiting Transunion to approve the reinsertion since I AM CONFIRMING THAT THOSE ACCOUNTS BELONG TO ME. 

It is Transunion job to report my information accurately. 

All the other accounts are still fraudulent and I request that they stay permanently deleted.
Consumer complaint received 2024-09-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (TX)

XXXX XXXX charged my Debit Card with Chime for {$270.00}. They overdrew my account and did not have my consent to charge my card. I have filed a dispute with Chime and was told the charge had been found to be valid and that the credit on my account was being removed. I received no communication or documentation about the investigation or the determination they came to. The charge is unauthorized and the funds need to be placed back into my account immediately.
Consumer complaint received 2023-02-14
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION (AZ)

I got the car on XX/XX/XXXX and I have tried since XX/XX/XXXX that they cancel contract. Because I can't make 184 a month and I told them that plus I am a patient at XXXX XXXX XXXX i bipolar manic depressive and classified XXXX XXXX XXXX XXXX and I did not understand the contract fully a person that is unable to pay debts can not enter into a contract and a person with psychological disability can not enter a contract the credit acceptance corporation will not listen I tried telling them my medical condition but they still won't void the contract i did understand the contract and not able to pay I have someone that helps with my bills and won't pay a car payment when the buyer is mentally disabled I need this contract voided and I need my car back I was on medication when I. Went to dealership and I went there to find out if I could get my XXXX fixed then all sudden I'm signing papers I don't remember doing
Consumer complaint received 2024-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have been Tring over the last year to get copies of my credit report from XXXX, XXXX, and TransUnion. They all say they don't see any trade items on my credit report and I also tried to obtain a loan from a loan company and they said the same thing and I don't understand why this is. I have had credit, and it should be showing.
Consumer complaint received 2023-02-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (TN)

To Whom It May Concern, I will lay out my complaint so it is very clear on what action needs to be taken. 

My Request : - Do not deduct {$1700.00} from my account that you claim was temporarily credited to my account for claim XXXX as stated in your letter dated XX/XX/23. 

High Level Reasoning Why You Shouldnt Reverse : - Wells Fargo never credited me {$1700.00} for claim XXXX or any other claim. I have attached supporting letters and images showing credit and deduction history for claims and letters. 

Detailed Reasoning : Please see below for timeline of events and evidence that any provisional credits in my account were removed as of XX/XX/23 leaving Claim XXXX closed. 
- On XX/XX/23 I disputed {$4900.00} in charges opening up claim XXXX. 
- On XX/XX/23 I received a provisional credit for claim XXXX in the amount of {$4900.00}. 
- On XX/XX/23 I disputed {$6900.00} in charges opening up claim XXXX - On XX/XX/23 I received a letter from Wells Fargo that said claim XXXX was being merged into claim XXXX and being treated as one claim for a total of {$11000.00} ( $ XXXX {$6900.00} ) - On XX/XX/23 I received a letter from Wells Fargo that said the provisional credit of {$4900.00} that was applied to my account for claim XXXX on XX/XX/23 would be deducted out of my account on XX/XX/23. 
- On XX/XX/23 I received a letter from Wells Fargo that said the {$6900.00} in charges were deemed valid and claim closed. ( NOTE no credits for these charges were ever made ) - On XX/XX/23 I received a letter from Wells Fargo that said for Claim XXXX they would be deducting the {$1700.00} temporarily credited to my account from my account on XX/XX/23. ( CRITICAL NOTE NO TEMPORARY CREDIT OF {$1700.00} was ever applied to my account ) - On XX/XX/23 Wells Fargo deducted {$4900.00} from my account. Leaving claim XXXX with a net {$0.00} balance ( Provisional Credits Deduction of Provisional Credit ) In conclusion, I am respectfully requesting Wells Fargo to admit their error in sending the letter on XX/XX/23 and to not deduct {$1700.00} from my checking account because there is no basis to. This would cause undue hardship to me and my XXXX children under XXXX. I request all communication regarding this claim be done through CFPB or written communication to protect my rights.
Consumer complaint received 2024-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

Errors were placed on credit report. FICO score before errors were XXXX - XXXX on the XXXX bureaus with Financial Aid negative report.

Errors were corrected and false reports were removed but FICO scores were not corrected, FICO scores plummeted. In fact, I requested FICO score be corrected in writing with every contact FICO scores decreased XXXX times. The FICO scores only plummeted. 

With every request to correct FICO score FICO scores plunged. Now with only positive payment history FICO score is XXXX from XXXX - XXXX. With only on time payments and false negative reports removed from credit reports. 

Only positive payments have been reported to all bureaus. FICO scores should increase not decrease. This is fundamental logic and reasoning. FICO scores should not plunge with positive payment history and erroneous negative reports removed. 

Financial aid was on account with score of XXXX - XXXX. 

What I have learned in my wisdom is that if someone is complaining often and are upset if you only listen ; 90 percent of the time that individual has a very valid point and is rightfully upset. 

Please do not minimize my complaint based on the amount of complaints I have submitted. This is by design. Financial theft, abuse and loss is happening to certain demographics that institutions are banking on those individuals not being heard. 

Thank you for all you do,
Consumer complaint received 2024-11-03
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. (NC)

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 2024-11-03
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. (TX)

I am writing to formally request the blocking and deletion of certain fraudulent accounts and inquiries on my credit report, as I am a victim of a recent data breach. According to the Fair Credit Reporting Act ( FCRA ) under 15 USC 1681c-2 ( a ), I request that you remove the accounts and inquiries detailed below. 
XXXX Accounts : XXXX. XXXX XXXX o Account Number : XXXX o Date : XX/XX/XXXX o Balance : {$120.00} XXXX. XXXX o Account Number : XXXX o Date : XX/XX/XXXX o Balance : {$0.00} XXXX. XXXX XXXX o Account Number : XXXX o Date : XX/XX/XXXX o Balance : {$120.00} XXXX. XXXX o Account Number : XXXX o Date : XX/XX/XXXX o Balance : {$3400.00} XXXX. XXXX XXXX Account Number : XXXX o Date : XX/XX/XXXX o Balance : {$4100.00} Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-11-03
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. (TX)

I am writing to formally request the blocking and deletion of certain fraudulent accounts and inquiries on my credit report, as I am a victim of a recent data breach. According to the Fair Credit Reporting Act ( FCRA ) under 15 USC 1681c-2 ( a ), I request that you remove the accounts and inquiries detailed below.

Fraudulent Accounts : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-11-03
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. (NC)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO 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 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-11-03
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. (NC)

I am writing to request the immediate blocking and deletion of the accounts and inquiries listed below from my credit report. I am a victim of a data breach, and, pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request the removal of these items to prevent any further fraudulent activity under my name. 
Accounts to be Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-11-03
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. (TX)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX according to XXXXDebt Final Rule XXXX002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair CreditReporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX  and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXX XXXX balance {$650.00}, XXXX balance {$15.00}, XXXX XXXX balance {$640.00}, XXXX balance {$910.00}.
Consumer complaint received 2018-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I have disputed the late payments on XXXX XXXXXXXX XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX accounts for months. The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
Consumer complaint received 2018-08-22
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (NJ)

We have an existing mortgage with Ditech. In XX/XX/2017 we got approved for a trial period plan modification. We had to make three consecutive payments in XXXX, XXXX and XX/XX/2017 to be eligible for a permanent modification. We paid the the XX/XX/2017 and XX/XX/2017 payments. When making the XXXX payment we had mailed a check but Ditech had not received the check as of XX/XX/XXXX so a representative from Ditech called us to find out when they would be receiving XXXX 's payment. We informed them that we had mailed a check but since they had not received it yet we would stop payment on the check that we had mailed and make the payment electronically so it would not affect the trial modification. So on XX/XX/2017 we had a stop payment put on the check and made the payment electronically. We figured since the payment was made electronically to Ditech we would okay with the modification and our checking account would not be overdrawn when the check was presented against the account since we had stopped payment on the check. We thought everything was okay and were approved for a permanent modification. We did not realize that Ditech had credited our account for both payments ( the electronic payment and stopped check payment ) so instead of removing the second payment from the account in XX/XX/2017 Ditech waited until XX/XX/2017 to deduct the stopped check payment from our account therefore putting our Mortgage a month payment behind. We do not understand why this was done in XX/XX/2017 and not in XX/XX/2017. We have copies of the stop payment from the bank and and a copy of the check showing Ditech had presented the check to be paid in XX/XX/2017 not XX/XX/2017. If the payment had been deducted at the proper time before the modification paperwork was finalized we would not be behind on the mortgage again. This is the second complaint against Ditech. Back in XX/XX/2017 we had filed a complaint against them because we had applied several times for a modification and they kept stating they did not receive paperwork and such but we had sent the paperwork certified mail and we able to prove that they had indeed received it and shortly after the complaint they had offered us the trial modification. We would appreciate any help in this matter. We have a son with XXXX XXXX XXXX which is taking a huge financial toll on us even with health insurance. It is necessary for him to have XXXX on a daily basis ( his body no longer produces any XXXX ) along with XXXX XXXX XXXX and other XXXX and everything is very costly. We are so upset that we had gotten ourselves back on track just to be put right back in the same situation. Thanks again for everything.
Consumer complaint received 2024-11-03
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. (IL)

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 2024-11-03
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. (MN)

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.
Consumer complaint received 2018-08-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

On XX/XX/2018, I deposit a money order that I received from my tenant and payment has been placed on hold until XX/XX/18. Money order was purchased at a postal service office in PR. Bank refuses to liberate fundings. Currently I am unable to make a XXXX XXXX credit card payment and I have only {$170.00} in the account that I can not use or additional fees will be applied. The money order has been treated as a check despite been purchased at a postal service. This is a violation of CC rules. The bank is Bank of America. I am concern as my tenant bounce 2 checks previously, this impacted my account. T thought asking for money orders will solve the problem. This situation proved otherwise. I just need to have access to my money to be able to pay other bills and have daily living money.