davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-31
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. (OH)

I am a victim of identity theft, these accounts below need to be removed, I went to the police station and gave them all the account numbers to these accounts someone opened in my name, I have talked to the vendors and they advised to file a police report By law these accounts need to be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-01
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. (FL)

I checked again my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
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
Consumer complaint received 2023-09-01
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation (CA)

I have been payments to One Main Financial for over 5 years and the principal interest is still the same. When I am late on my payment I feel like I am being forced to refinance. They would offer me more money and the interest is higher. They keep offering refinancing or demand me to come up with payments otherwise they will repossess my vehicle. At the time I had no choice but to refinance or they will take my vehicle. Im so sad as I feel that I will paying a {$17000.00} loan for the rest of my life.
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/2023 After looking at my credit report, I noticed You are reporting irrelevant outdated information. 
My only address is XXXX XXXX XXXX XXXX XXXX, Tx XXXX. 

My only name is XXXX XXXX XXXX Please remove any other address you Are reporting on my credit report as it is Not accurate relevant data. 

Due to recent find of identity theft I fear this false reporting address my also have affect on my identity being compromised. 


Thanks XXXX XXXX XXXX
Consumer complaint received 2020-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AR)

I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not to good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report. 
XXXX {$270.00} XXXX {$930.00} XXXX {$760.00} XXXX {$420.00} XXXX {$700.00} XXXX {$630.00} XXXX $
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I sent a dispute letter on XX/XX/XXXX asking why they are reporting incorrect information on my credit report. It shows 1 late payment on my report which is incorrect and I confirmed this with my lending company. The company Experian responded by saying the confirmed that its is correct. I asked them how are the confirming this with lending company without my consent and provide proof on how the investigation was conducted. Under the Fair Credit Reporting Act laws. They reported my account as late for the month of XX/XX/XXXX & XX/XX/XXXX. They updated XX/XX/XXXXand left XX/XX/XXXX as still showing late. This is an error in their end.
Consumer complaint received 2023-07-06
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. (VT)

XXXX, XXXX XXXX  SOC SEC XXXX  XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX , XXXX XXXX VT XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  SOC SEC XXXX  XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX , XXXX, VT XXXX
Consumer complaint received 2023-03-24
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: EQUIFAX, INC. (CA)

- In accordance with the Fair Credit Reporting act XXXX. XXXX 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 - In accordance with the Fair Credit Reporting act XXXX XXXX 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 2023-09-01
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. (TX)

Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.
Consumer complaint received 2023-09-01
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. (LA)

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.
Consumer complaint received 2023-09-01
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC (CA)

XXXX has reported on my credit, that I have a collection account. Jefferson Capital systems. I have disputed this many times. Still it remains on my credit report.Im not aware of this account nor did I ever open this account. Im really frustrated because it's affecting my credit score. It's really damaging my credit history. Ive called the Jefferson ca [ ital systems, they say they are just collecting on behalf of XXXX. Ive never owned a XXXX account or phone. This must be fraudulent. I have explained this to XXXX many times but they say the same thing to wait until results of dispute are available. Once they are they say dispute them. It's very stressful. Id appreciate if you can help me with this problem I'm having and is affecting my life in a very negative way.
Consumer complaint received 2023-09-01
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. (NY)

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.
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (SC)

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2016-09-16
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: NATIONSTAR MORTGAGE LLC (NY)

Nationstar did a mortgage modification with me 4yrs ago. Now I am trying to remortgage with another bank and they said there is a remortgage on my credit report. I did n't remortgage I did a loan modification. My issue is I have been asking Nationstar since XXXX XXXX, XXXX for a copy of this modification and they have yet to give me a copy of it for the new bank. I have been given numerous excuses as to the reason why they ca n't give it to us. They stated that whom ever did the original modification did n't scan it into the system and that 's why no one could find it. And now it 's going to take 60 days for them to try and locate it. In the meantime I now lose the loan I was trying to get along with the {$500.00} I had to lay out of my pocket for it. 
I told them I find it simply amazing how they can find the " mortgage loan '' that we original did with them in XXXX but yet they could n't find the documents of the " modification '' we did with them ( as they stated " on paper only '' ) only 4 yrs ago!
Consumer complaint received 2023-09-01
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: Experian Information Solutions Inc. (NJ)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-09-01
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: Experian Information Solutions Inc. (CA)

My credit report is showing late payments to DEPT OF ED/XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX  customer service representative.
Consumer complaint received 2023-09-01
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: CAPITAL ONE FINANCIAL CORPORATION (MN)

I am writing to address some discrepancies I have identified on my credit report that pertain to accounts associated with my name. I would like to provide you with accurate details regarding these accounts for your review and resolution.

Account Details : 1. Ca pitol On
e Quick Silver - Date Opened : XX/XX/XXXX - Initial Balance : {$2000.00} - Current Balance : {$2300.00} 2XXXX XXXX  - Date Opened : XX/XX/XXXX - Initial Credit Balance : {$2000.00} - Current Balance : {$1900.00} 3. XXXX XXXX XXXX XXXXXXXX - Date Opened : XX/XX/XXXXXXXX  - Initial Credit Balance : {$930.00} - Current Balance : {$750.00} I would like to clarify that I have no knowledge or involvement in the opening of the Capitol One Quick Silver account with the stated dates and balances. To the best of my knowledge, this account is not mine, and I have not received any legal documentation pertaining to its opening or existence. 

Similarly, the XXXX and XXXX XXXX XXXX XXXXXXXX accounts are not accounts that I have initiated or been associated with. I do not have any record of entering into agreements with these businesses, and I have not provided any authorization for the opening of these accounts. As such, I have not received any legal documentation confirming my consent or involvement in these matters. 
Considering the aforementioned circumstances, I kindly request the following actions to be taken : 1. A thorough investigation into the authenticity of these accounts, including verification of any supporting documentation that might have been provided during their opening.

2. Removal of these accounts from my credit report, as they do not accurately reflect my financial history and have been opened without my knowledge or consent.

3. Provision of information regarding the steps taken to rectify this matter and the confirmation of the removal of the aforementioned accounts from my credit report.

I understand that this information is preliminary and may require further investigation. I am prepared to provide any additional information or documentation that might be needed to facilitate the resolution of this issue. I appreciate your attention to this matter and your assistance in ensuring the accuracy of my credit report.
Consumer complaint received 2020-06-12
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (FL)

I originally filed a complaint in XXXX # XXXX. The response from the company was they sent you a copy of my note. Which I have. 
I have paid more than the minimum payments and even paid extra payments ahead for this improperly handled loan, attempting to get it paid off. I recently on XX/XX/XXXX got notified that my XX/XX/XXXX payment was due on XX/XX/XXXX. I paid the XXXX payment on XX/XX/XXXX. I called and the customer Service person XXXX, who after multiple reviews agreed that the payment was made and there is some kind of glitch in the system. She said it would be corrected within 48 hours. It isn't and I don't want my credit ruined because of this worthless and corrupt company. 
2nd Issue - While reviewing the payments I pulled the history of my account from the Navient website and downloaded the XXXX file Navient supplies showing all my payments. Wasn't I surprised to find they have been ADDING the payments I make to the principle TO THE balance for 6 years from about XXXX to XXXX. EXACTLY what I complained about originally in my complaint in XXXX. 
Called back Navient, spoke with a person named XXXX who stated " what you are seeing on the screen DOESN'T MATCH what I am seeing. I will send it to IT Dept. '' Additionally, they capitalized interest WHEN I ALREADY PAID THE INTEREST. 
3rd Issue. XXXX XXXX Made my XXXX Payment loan balance is {$40000.00}. Navient " sells '' the loan for {$41000.00} - 12 days later. Why is this the Principal balance, I don't know. I make 3 payments more, All on-time XXXX, XXXX, XXXX. XX/XX/XXXX Navient " sells '' the loan again and puts back the principal balance of {$40000.00}. WHAT DID MY XXXX, XXXX, XXXX payment go to?????? Not MY Principle Balance!!!!! 
I need someone to do FORENSIC ACCOUNTING to get to the bottom of this since I can't see how they applied anything on my account. PLEASE DO YOUR JOB AND HELP!!!!!
Consumer complaint received 2023-09-01
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION (IL)

I am writing to file a formal complaint against Navy Federal Credit Union for the recent closure of my credit card account ending in XXXX without valid justification. This action on their part not only contradicts the principles of the Equal Credit Opportunity Act ( ECOA ) but also raises concerns about their adherence to fair lending practices. 

On XXXX, I received a notification from Navy Federal Credit Union informing me that my credit card account was being closed due to reasons that were not specified in the communication. This sudden and unexplained closure has left me in a state of distress and confusion, as I have consistently maintained a good credit history and have never missed any payments or exceeded my credit limit. The decision to close my account appears to be based on arbitrary factors rather than my ability to pay. 

The Equal Credit Opportunity Act clearly prohibits lenders from discriminating against applicants based on their race, XXXX, religion, national origin, XXXX, marital status, age, or receipt of public assistance. Furthermore, the ECOA prohibits lenders from denying credit solely on the basis of an applicant 's ability to repay. Given that my credit history and financial responsibility demonstrate my ability to manage credit, it is deeply troubling that Navy Federal Credit Union would resort to such a decision without any apparent valid cause. 

I believe that Navy Federal Credit Union 's actions violate the principles of the ECOA and raise questions about their commitment to equal credit access. I request that the Consumer Financial Protection Bureau investigate this matter and ensure that Navy Federal Credit Union provides a valid and non-discriminatory reason for the closure of my credit card account. I also request that any necessary corrective actions be taken to rectify this situation and prevent such occurrences in the future.
Consumer complaint received 2023-09-01
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. (MO)

I formally request for the removal of fraudulent collections and unknown addresses from my credit report, which I believe are negatively impacting my credit score. After a meticulous review of my credit report from your agency, I have identified several items that require immediate attention and removal. I have enclosed supporting documentation that validates the correct information. I am pleased to request that you investigate this matter and remove the inaccurate collections and unknown addresses from my credit report as required by the Fair Credit Reporting Act. I have enclosed nor attached my documents in my letter. I understand that it is your responsibility, as per the Fair Credit Reporting Act, to conduct a thorough investigation within 30 days and to inform me of the results. I respectfully request your prompt attention to this matter and a timely resolution. Please provide me with a written confirmation of the removal of each inaccurate and outdated items once the investigation is complete. I also request an updated copy of my credit report reflecting the corrected information. Here are the following fraudulent items that are needs to be remove : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (ND)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX : 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 29 It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-09-01
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. (GA)

Transunion I want this message deleted from my credit report asap MESSAGE EFCRA EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCOUNT