davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hello, I reviewed my auto loan on my credit report and there are many inaccuracies, it shows for the months XXXX, XXXX, XXXX, and XXXX of XXXX, and XX/XX/XXXX that the payments were late, but i had payment extensions and payments made on that account that would show that the late payments are not accurate to be reported on my credit file. This has caused harm to me applying for credit and this needs to be removed completely. 
Account number : XXXX
Consumer complaint received 2023-06-20
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. (NY)

Despite my multiple efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a profound impact on my life, causing immense stress and XXXX. It is crucial to reiterate that I never authorized any of this information to be associated with my name, as I have fallen victim to identity theft.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX Account Number - XXXX I hereby dispute the validity of the alleged debt listed above listed above Entirely. I also request verification of the alleged debt, Specifically, a copy of the ORIGINAL PURCHASE AGREEMENT. Agreement must be with the original creditor and signed by all parties involved. I am requesting this because I have had different companies reach out to me about this same alleged debt. I am requesting immediate deletion of all prior reporting made to any consumer reporting agencies, XXXX, XXXX, TRANSUNION and XXXX. You must Cease XXXX efforts until this alleged debt is validated, You must show proof that you legally own this alleged debt and that it is accurate and complete thank you, XXXX XXXX
Consumer complaint received 2024-08-26
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: EQUIFAX, INC. (NV)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Credence Resource Management, LLC (AR)

I recently reviewed my credit report and saw an account does not belong to me. I spoke to a representative at XXXX XXXX XXXX fraud dept and they advised that the saw when I requested a move and paid my bill. I was told by XXXX XXXX XXXX fraud dept that this account would be removed. An XXXX XXXX XXXX XXXX account was open without my permission or consent at an address that I moved from previous to this account. I lived at XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX- XX/XX/XXXX. XX/XX/XXXX, I purchased my home at XXXX XXXX XXXX. I currently had XXXX XXXX XXXX XXXX only at XXXX XXXX XXXX XXXX XXXX prior to me moving into my new home, I called XXXX XXXX XXXX  for a move request. I was told services were not available at my new address. So I paid my current bill and returned the equipment XX/XX/XXXX. At my new address, XXXX XXXX XXXX I have NEVER used any XXXX XXXX XXXX services. In fact, Ive had XXXX internet since I moved into my house. XXXX & XXXX used my personal information to start service at XXXX XXXX XXXX XXXX XXXX my knowledge and this is not my account. I would like for this account to be removed immediately.
Consumer complaint received 2024-05-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Again on XX/XX/XXXX my transunion score plummeted XXXX points for no unknown reason. No derogatory info on my file?
Consumer complaint received 2023-03-13
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. (CA)

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 items : XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$2700.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXXXXXX XXXX XXXX Balance Owed : {$2700.00} ; XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX Balance Owed : {$9500.00} ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2024-08-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Klarna AB (TX)

XXXX has contacted me on behalf of Klarna, on behalf of XXXX XXXX XXXX. They assert I have a credit agreement with one of these companies. I have no knowledge of a credit agreement. I have not received from any of the XXXX companies, a notice for validation of debts as required by 1006.30. I would like to request : 1. A validation of debt notice ; 2. A copy of the credit agreement from the original creditor.
Consumer complaint received 2024-05-17
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. (NY)

In accordance with the FAIR CREDIT REPORTING ACT. The List of accounts below have violated my federally protected CONSUMER RIGHTS to privacy and confidentiality under 15 USC 1681. XXXX ( Account number unknown ), XXXX - XXXX 15 USC 1681 Section 602 A. States I have the right to privacy. 15 USC 1681 Section 604 A. Section 2, States a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) States no consumer reporting agency may make any consumer report containing any of the following items of information, Any adverse item of information, Other than records of convictions of crimes which antedates the report by more than seven years. 15 USC 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 2023-03-13
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: Experian Information Solutions Inc. (VA)

I do not recognize or remember the following hard inquiries on my XXXX credit report which may be on my other reports as well and used without my knowledge : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-18
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Uetsa Tsakits, Inc. d/b/a MaxLend (NC)

I borrowed XXXX and have already made three payments @ XXXX twice a month. I will pay nearly {$5000.00} for a XXXX loan. I was NEVER told this was a payday loan. I thought it was a regular loan. I can not afford this as Im a XXXX month employee!!!
Consumer complaint received 2024-05-17
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)

Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2024-05-17
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)

I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : Creditor : XXXX XXXXXXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX Inquiry Date XXXX XX/XX/XXXX Creditor : XXXX Inquiry Date : XX/XX/XXXX I understand that per the Fair Credit Reporting Act, they are required to notify me of your investigation results within 30 days. My contact information is provided below and I have included proof of my social security and current address to avoid any delays in your response time. 
I look forward to receiving an updated copy of my credit report reflecting the above correction. Thanking you in advance.
Consumer complaint received 2023-09-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. ()

My original complaint to you was ID XXXX. You helped because they finally sent me a check for {$8500.00} which is what they took out of my account. However, I also asked them for the following : 1. reimbursement for expenses - telephone XXXX since XX/XX/XXXX for calling them to try to resolve the situation 2. interest on my money I could not access because of their incompetence in sending me the balance in my checking account of {$18000.00} plus the {$8500.00} illegitimate check they deducted from my account after I told them it was illegitimate 3. compensation for the fact my monthly pension payments could not be made because they insisted on closing my account, told me I could open a new one in a few minutes which I could not do because I live in the XXXX XXXX which they knew at the beginning of the conversation. This resulted in a long delay of my getting my funds. On top of that once I had the check for XXXX and deposited it into my Citibank XXXX account it took seven weeks for it to clear. Because of the extenuating circumstances and despite the fact that I asked for the money to be transferred electronically I would have hoped Citibank US could have guaranteed the check they sent to Citibank XXXX so I could have immediate access to MY money. This was a total of {$26000.00} which I had saved to pay my XXXX XXXX taxes and the lawyer 's fees for my husband 's recent death. When they said they could only send a check it took two hours on the phone to get them to agree to send it by XXXX. And then I had to call them constantly because they did not send it in a timely fashion- took weeks. Subsequent to receiving that check I had to call to get them to send me the {$8500.00} which only happened when you contacted them. This created financial problems for me in the short term because I did not have access to the money I saved to pay my bills. 
4. It also caused me great anxiety not knowing when and if I would get my money, trying to open a new account and trying to rearrange my two pensions to be paid to me by other means.

5. The fraud dept sent me a form to fill out and return in 10 days. It took 18 days to get to me. I called immediately and told them I just received it and would send it back special delivery. A few days later they closed the case because my form wasn't returned in ten days. 

In addition, their letter ( see attached ) does not respond to all the points I outlined in my earlier letter to them which I had sent to you ( see attached ). 

I hope you will be able to help me again and ensure that Citibank behaves with integrity and pays me compensation and interest. To not do so compounds their negligence and gross misconduct. 

Thank you for your consideration.
Consumer complaint received 2023-12-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (MN)

I am currently enrolled in an income based repayment plan for my student loans. I asked to change to an Extended Fixed plan ( which is NOT income based ) on XX/XX/2023. I received a response on XX/XX/2023 stating the terms and asking if I accepted. I responded on XX/XX/2023 accepting the terms. 

I did not hear back so I emailed again on XX/XX/2023 confirming they received my email accepting the terms to change payment plans. 

On XX/XX/2023 they replied stating they would submit my request and to allow XXXX business days for the change on my account. XXXX days passed and the change was not made. 

On XX/XX/2023 I received another email stating my request had been submitted ( I had not emailed again ) and would take 30 days for processing. 

On XX/XX/2023 I called in asking for an update on when my payment plan would take effect in my account. They had no record of my request and made a note to change it. They said they resubmitted my request and it would take another 30 days to see it in my account. 

On XX/XX/2023 I received an email stating I needed to complete a form ( the XXXX XXXX XXXX plan request form ) and pay {$5.00} or more to exit my plan. There was no info. on where to make the payment and the form was for those XXXX an XXXX XXXX, not exiting. I replied to the email with these questions. 

I have not received a response and my account still shows my old plan which I can no longer afford and have told them this.
Consumer complaint received 2023-04-19
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: EQUIFAX, INC. (PA)

The following information therefore needs to be re-visited. I respectfully request to be provided proof of these inquiries were in fact authorized with an instrument bearing my signature for legitimate business purposes. Failing that, the unauthorized inquiry must be deleted from the report as soon as possible.
Consumer complaint received 2023-07-11
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. (FL)

THIS FRAUDULENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX  FL XXXX SHALL DELETE FROM MY CREDIT REPORT BECAUSE I NEVER LIVE THERE AND IT WAS OPENED DUE TO FRAUD WITHOUT MY KNOLEDGE. 
THIS ADDRESS WAS ADDED TO MY CREDIT REPORT ALONG WITH A FRAUD ACCOUNTFROM XXXX XXXX XXXX  THAT VIOLATE MY COSUMER RIGHTS AND BEEN THREATHING ME OVER THE PHONE FOR PAYMENTS. 

DELETE THIS FRAUD ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2024-03-15
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Navient Solutions, LLC. (LA)

I am XXXX XXXX XXXX. Went to XXXXXXXX XXXX  in XXXX Louisiana and XXXX in XXXX. I have been making payments on loan for 25 years at almost XXXX , a month. I should be done paying this loan. I have on numerous occasions called, sent letters on how to stop these payments. I received NO help. Please tell me what I have to do. I am on a fixed income and retired and can not pay XXXX a month any longer
Consumer complaint received 2024-07-30
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Paypal Holdings, Inc (CA)

I am writing to formally file a complaint regarding PayPal 's " Earn XXXX Points '' bonus promotion for which I have not received the promised points despite fulfilling the requirements. 

As per the promotion details, I set up a direct deposit with my employer and received a total of at least {$5000.00} in direct deposits. I have attached screenshots of the relevant direct deposit transactions as evidence of meeting the {$5000.00} threshold. 

However, as of XX/XX/year>, my account still shows {$0.00} of {$5000.00} towards the promotion, as evidenced by the attached screenshot of the promotion status.
Consumer complaint received 2024-05-17
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)

I am not liable for this debt with XXXX XXXX. I do not have a contract with the collection agency. XXXX did not provide me with the original contract as requested. Credit reporting agency did not verify contract. 

Credit bureaus are required by [ FDCPA ] to repair or delete any information that can not be confirmed.
Consumer complaint received 2023-03-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (SC)

I was doing the Public Loan Service Forgiveness Program and it should have been completed in XXXX with my 10 yrs/120 payments and despite the amount of forms ceritfing my employment from the school district I am currently employed. My account is showing that I have met 112 of the 120 required payments for forgiveness as of XXXX. This is incorrect. I would have met my 120 payments back in XXXX. They have given me credit for the school districts I worked for up until XX/XX/XXXX. I am still employed at the same district ( XXXX XXXX XXXX XXXX ) and on the form that HR filled out the put down my hire date XX/XX/XXXX and for the section under " end date '' was left blank because I am still employed there. I have done part, yet everytime I submit something it takes another 90 days to hear something that is always inevitebly incorrect.
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

i am in disagreement with the accounts listed below which still appears on my credit report .even after your investigation .i would like these items re-investigated the inaccuracies are highly injurious to my credit score. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In Accordance With The FCRA, Public Law 91-506, title VI, section 611 15 USC 1681 Please provide the names and business address of each individual with whom you verified the information above so i can follow up. Please send me an updated copy of my credit report after your re-investigation.
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

In accordance with the fair credit reporting Everything has to be 100 % accurate on my credit report. 


The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is Inaccurate, and 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. Section 604 A section 2 : it also states a consumer reporting agency cannon furnish a account without my written instructions Also the credit bureaus took more than 30 days to complete my investigation.
Consumer complaint received 2023-03-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (MN)

Comenity Bank has been wrongly reporting the account as overdue/delinquent and spoiling my credit history and FICO score XXXX I had a balance of {$3900.00} pending payment on XX/XX/2022 cycle.From XX/XX/XXXX till XXXX XXXX, Comenity bank payment systems were down and it was all over the news. I made the payment of the entire remaining balance of {$3900.00} in XXXX as soon as the systems were up. I even called them to make sure that the balance amount is paid and there should be no late payments or charges as their systems were down. The payment was posted and deducted on XX/XX/XXXX from my checking account. I have not used this card ever since. And nobody contacted me until first week of XX/XX/2022 saying, $ XXXX cents was not paid in XXXX and it has accumulated late fees. After multiple calls, they opened a dispute - XXXXThey said it was a mistake at their end and they have not sent a balance letter or called me ever since. But I started receiving emails from all the credit unions that an account is delinquent and my credit score has dropped. And when I login to XXXX, I see Comenity bank reporting that I have not paid since XX/XX/2022. They have not pushed balance history from XX/XX/2022 to XX/XX/2022 to any credit unions. I can share all the statements to prove this. Please help me get my credit score back on track.