davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-15
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. (PA)

I am a victim of identity theft. I am writing to request that you block the following inquiries from my credit report. Someone has used my personal information. I also have no knowledge of any suspects, please block.
Consumer complaint received 2022-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained more then 48 times nonstop this is exhausting The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and negative account its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation
Consumer complaint received 2024-08-28
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: Experian Information Solutions Inc. (NJ)

When I reviewed my credit report again, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX 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 2024-10-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SOFI TECHNOLOGIES, INC. (TN)

My wallet was stolen from work, and the person who stole it charged {$600.00} to my card at XXXX. 
I tried disputing with SoFi and they refused to look into it and immediately denied the dispute.
Consumer complaint received 2024-10-17
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: SANTANDER HOLDINGS USA, INC. (IL)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2024-08-24
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: FIRST UNITED BANK AND TRUST COMPANY (TX)

Hi, I have opened the account online at First United Bank on XXXX XX/XX/year> using the ongoing promotional offer of {$250.00} during that time for opening the checking account. 
I applied using the promotional code and it was successfully applied to my account opening application. After successful account opening I fulfilled the terms and conditions to qualify for bonus which was XXXX USD in direct deposit with in 90 days of account opening. 
After that I reached couple of times in XXXX and XXXX to the customer representative through United Bank app inbuilt chat option to make sure that promotional code is successfully applied to my account and to confirm I have fulfilled the bonus requirements which they confirmed I did. Now in XXXX when the bonus was not disbursed I reached out back to them asking for the explanation that why I have not received bonus and they mentioned that offer ended on XXXX. Now this lead to XXXX conflicting cases- First -If the promotion was ended on XXXX then why I was still able to apply the promotion code on account opening on XXXX and why even it was showing in the first place? 
Second I checked with customer rep regularly through their app chat option and they did confirm the promotional code was applied to my account and your bonus will be paid in XXXX. 
I reached out to branch representative and requested for chat logs but they denied it and said as per Marketing team I am not eligible to receive offer. This has wasted lot of my time and efforts in the follow up, this definitely raises integrity issues with the bank which has no importance for the customer satisfaction.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

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 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (AL)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.
Consumer complaint received 2024-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My credit reports are displaying inaccurate information for all three major credit bureaus for The XXXX XXXX account showing the account status as bad debt when the account should display paid as agreed or payment plan pp. This account is not bad debt and in actuality is being paid as greed. The account balance is XXXX! Transunion shows there information for this account as charged off as bad debt, showing a balance of XXXX, which needs to be properly updated as paid as agreed. XXXX displays the XXXX XXXX account as unpaid, and a balance of XXXX, which needs to be updated as paid as agreed including false updates with this report. Also, XXXX displays the information on this account as Charge off, with a balance of XXXX which the account status should display paid as agreed. The report date is referencing XX/XX/XXXX. I have paid on this account as of XX/XX/XXXX. The debt was sold to a lawyer could possibly be an impersonator of a lawyer for XXXX XXXX. XXXX  XXXX has sold their rights to this debt and should not be able to provide information upon an account they no longer have ownership of. I have been making payments on this account since XX/XX/XXXX. By law my credit reports should be updated to show that I am not negligent. The current balance on this account is XXXX and my utilization should not be 97 %.
Consumer complaint received 2024-09-04
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: EQUIFAX, INC. (GA)

This letter serves as a formal demand for the immediate removal of unauthorized hard inquiries that have been reported on my credit report. Upon reviewing my credit report, I have identified the following inquiries that were made without my knowledge or consent XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, a credit reporting agency may only furnish a consumer report under specific circumstances, including when the consumer has given explicit authorization for the inquiry. I hereby assert that I did not authorize any of the above-listed entities to conduct a hard inquiry on my credit report. As such, these inquiries are unauthorized and must be removed immediately.

Failure to remove these unauthorized inquiries may constitute a violation of the FCRA, and I am prepared to take further legal action if necessary, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing any other legal remedies available to me under federal and state law.
Consumer complaint received 2024-09-15
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)

Balance {$1100.00} opened XX/XX/XXXX  In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX original creditor : XXXX 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 2 : It also states a consumer reporting agency can not furnish an account without my written
Consumer complaint received 2024-09-15
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. (IL)

The credit report from XXXX XXXX  shows monthly payment missing. But the payment is all done accurately, and balance is XXXX still in my credit report it shows payment missed and it is impacting my credit score XXXX : 30 days late payment in XX/XX/year>. I am filing this complaint to get the payment missing reversed so that my credit score be improved
Consumer complaint received 2024-09-15
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. (CA)

First, XXXX XXXX unfairly and intentionally closed my credit cards to damage my credit. XXXX XXXX stopped responding to my CFPB reports marking them as duplicates. XXXX XXXX did not stop there. These sick people from XXXX XXXX headquarters keep reporting FALSE balances on my closed credit cards to damage my credit further. The last statement balance was XXXX, due date XX/XX/XXXX. I made the full payment well ahead of time and the payment was posted on XX/XX/XXXX. The credit bureaus are taking the bank 's side and is refraining from fixing the false balances, even when I have tangible proof. I don't owe any balance on any XXXX XXXX credit cards.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2024-09-15
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)

XXXX, XXXX XXXX unfairly and intentionally closed my credit cards to damage my credit. XXXX XXXX stopped responding to my CFPB reports marking them as duplicates. XXXX XXXX did not stop there. These sick people from XXXX XXXX headquarters keep reporting FALSE balances on my closed credit cards to damage my credit further. The XXXX  statement balance was XXXX, due date XX/XX/XXXX. I made the XXXX  payment well ahead of time and the payment was posted on XX/XX/XXXX. The credit bureaus are taking the bank 's side and is refraining from fixing the false balances, even when I have tangible proof. I don't owe any balance on any XXXX XXXX credit cards.
Consumer complaint received 2024-09-10
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: EQUIFAX, INC. (FL)

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.

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 2024-08-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (AZ)

On XX/XX/2024 Wells Fargo FROZE my account.for no reason. Case # XXXX. 
Wells Fargo has Frozen my account and deprived me (, with malice ) any access to my account.. I m XXXX, and in XXXX XXXX XXXX  on XXXX. I no longer can pay my medical bills or recieve medication or pay my rent. I no longer can use XXXX to pay my life expences. Wells Fargo Fraud Department is rude and rash with me. They are aware. 
I have moved to XXXX. 
This is a alternate Phone : XXXX Please Help ; My Bank account is : XXXX Wells Fargo : XXXX
Consumer complaint received 2024-08-28
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. (NJ)

I am asking for your help with this incorrect account thats showing up on my credit report. Ive brought up this issue because its damaging my reputation, and I need your help. The way my credit report was managed has put me in a tough spot, as this incorrect reporting has hurt my reputation. Please correct these mistakes so I can live with my family.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc. (IL)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (GA)

When I XXXX from school in XXXXXXXX XXXX XXXX, I was informed by the lender that the best option I had was to apply for the IDR plan. I was informed at the time that this would provide me with the least amount of accrued interest since at the time my payment due every month would be XXXX dollars. They did not inform me that I would need to recertify every year and that even if my payment amount was XXXX, the interest would still accrue. They did not inform me of the different interest amounts or why each one was different in amounts. I reached out to the company on several occasions to address this.with no assistance. Now I have accrued a large amount of interest due to their misleading information.
Consumer complaint received 2024-09-16
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. (AL)

Dear CFPB, I am writing to dispute the accuracy of 3 charge-off entries on my credit report, as required under 15 USC 1681 ( e ) ( B ) of the Fair Credit Reporting Act ( FCRA ). The following accounts are listed as charged off : 1. XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX, in the amount of {$2200.00} 2. XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, in the amount of {$2200.00} 3. XXXX XXXX XXXX Reported on XX/XX/XXXX, in the amount of {$3000.00} The respective lenders have written off these accounts. The lenders have determined that they will not pursue collection of these debts and have classified them as canceled or forgiven. My tax records will reflect this status through a 1099-C form, indicating that these debts have been officially forgiven and are considered resolved. 

These accounts were charged off, but should not be reported as derogatory items. The lenders have acknowledged that they will not collect the debt and have classified it as canceled or forgiven. This means that the debts will be reported to the IRS as discharged, and I have received three 1099-C forms for tax purposes as proof. Consequently, the debt is considered canceled or forgiven and has been reported as income on my taxes. 

Since canceled or forgiven debt is reported as income and not as a derogatory mark on a credit report, having these accounts listed as charge-offs is incorrect. These listings inaccurately affect my credit profile and should be updated to reflect that the debts have been resolved or forgiven. 

Including this information on my credit report as derogatory violates the FCRA, which mandates that credit reports must not include income or tax-related data. Therefore, reporting these forgiven debts as charge-offs not only misrepresents their status, but also constitutes an inaccurate and unlawful entry on my credit report. 

According to the FCRA, credit reports must accurately reflect a consumers credit history and should not include income or tax-related information. Since these debts are no longer collectible and has been reported as canceled on my tax records, they should not be listed as charge-offs or derogatory items on my credit report. Reporting them in this manner violates the FCRA and inaccurately affects my credit profile. As such, since these debts are canceled or forgiven and has been reported to the IRS as discharged, they should not appear as derogatory items on my credit report. Reporting these debts as charged off is incorrect and misleading. I request that these entries be corrected or removed from my credit report to reflect their status as written off and forgiven accurately. Enclosed are copies of the relevant documentation, including the 1099-C forms or other proof of debt discharge.
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Grain Technology, Inc. (MD)

As of XX/XX/2023 this account was paid in full the following month I checked my credit report in XXXX there was no change. Still showing unpaid I reached out to Grain about this in XXXX and in XXXX asked for a letter stating my account was paid and account to be updated with the credit bureaus. There has been no updated information reflecting a XXXX balance nor the account status of this account being paid in full.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account XXXX : XXXX Date of XXXX : XX/XX/year>