davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-23
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. (NV)

I am writing to address a pressing issue regarding inaccuracies on my credit report. Upon a recent review, I discovered late payments incorrectly listed on my accounts. I kindly request your prompt assistance in correcting or removing this information from my credit report. 
Maintaining an accurate credit history is crucial, and the reported late payments do not accurately reflect my financial responsibility. This discrepancy is due to an error, and I seek your immediate intervention to rectify it. 
Furthermore, other credit bureaus have already corrected the status of the accounts mentioned above. I also contacted the companies by phone, and they confirmed the need for correction. Please conduct a thorough investigation into the reported late payments on my accounts and take the necessary steps to correct or remove this information from my credit report. 
XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX
Consumer complaint received 2024-06-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC (GA)

No negative information should be furnished to your credit report without your lawful authority. Committing unlawful extortionate means such as furnishing non public personal information i.e.Late payments, charge offs, etc. can get a creditor 20 years for violating 18 USC 894. 

XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (GA)

Monday XX/XX/16 I went online regarding a personal loan. Tuesday a gentleman called me from a company called XXXX XXXX. We offered me a {$2100.00} loan at at a favorable rate. I gave him my routing and account number. XXXX later, {$2100.00} posted to my account. I called to let him know that the funds posted. He then stated his supervisor disagreed with the rate he had given me and he would have to raise the rate which was doubled. I was extremely upset and told him that I'm returning the funds asap. He gave me XXXX XXXX info to send the funds. The transactions wouldn't go through. He said I can mail a check. I responded I'm a XXXX XXXX, XXXX from home and will not be home for another XXXX weeks and by then, a payment will be due and then I'm committed. He stated the only other way I could get the funds back to them immediately is go to XXXX and get gift cards and send them the info from the cards. It sounded strange to me but I didn't care. Not thinking it's any kind of scam because I have their money. Come to find out the next morning by Navy Federal, they somehow accessed my account and debit card number. Filed a bunch of disputes on previous transactions to total {$2100.00}. It's destroyed now but I had my debit card in my possession. Didn't give ANYONE my login credentials or debit card info. Now Navy Federal is holding me responsible. I've been out of work due to illness for the past month and extremely short on funds. That's why I was looking for a small loan to pay some bills until I get back on my feet. I've gotten fraud alerts and my card temporarily shut down trying to by XXXX out of XXXX because their system felt something isn't right. But submitting a bunch of disputes in a XXXX min time frame didn't raise a eyebrow. Ive been fighting identity theft issues for the past few months. It consisted of someone applying for credit products in my name. After the Navy Federal representative told me they had all my info, I thought my phone might be compromised and I did a master reset on the phone which deleted the forms I was sent via links in texts. I have no idea what to do.
Consumer complaint received 2023-09-26
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. (DC)

After filing an identity theft report with the ftc and disputing an account with transunion for transunion to block this erroneous information. I reached out to the Cfpb via complaint ID XXXX asking Cfpb for help with blocking an account federal law 15 U.S Code 1681c-2 stated applies to my situation. Transunion not only disregarded my letter the company also disregarded my complaint through the Cfpb. I filed another complaint with the cfpb in hopes this complaint was more clear and concise complaint ID XXXX and Transunion removed the incorrect XXXX XXXX  on XX/XX/. On XX/XX/XXXX  transunion reinserted XXXX account on my report not only violating the block i requested but also 15 U.S. Code 1681i ( 2 ) Procedure in case of disputed accuracy. ( 2 ) Prompt notice of dispute to furnisher of information. I did not receive written notification within the five days the law allows for this re-inserted account on my credit report.
Consumer complaint received 2024-07-09
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. (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 2024-05-23
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. (IL)

I strongly request the immediate removal of this late payment from my account, as it does not accurately depict my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Kindly update my account promptly.
Consumer complaint received 2023-10-19
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. (PA)

I am writing to demand removal of late payments from my report. This is a violation of both 15 usc 1666 and 15 usc 1681a2 ( a ) ( i ). These unauthorized reports of my personal private and financial information is both illegal and inaccurate and are of no standing to my credit worthiness. I am not asking for validation or verification simply a removal of the late payments as required by law. 

The fair Credit reporting act aims to respect the rights of consumers and i thank you for helping me do that. A rapid rescore would be much appreciated as well thank you for your time.
Consumer complaint received 2024-05-23
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. (NJ)

PLEASE BLOCKED AND REMOVED I urgently implore you to promptly remove the unauthorized accounts from my credit report, as they were not authorized by me and are causing me significant distress. Please address this error without delay.
Consumer complaint received 2024-01-23
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. (NJ)

This information is under my name and is causing me harm. I need it removed from my history. 

XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-09
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. (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 2024-05-22
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. (CA)

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. 

Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account XXXX : XXXXXXXX XXXX Account XXXX Account Name XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-26
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. (CA)

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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-04-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CO)

I just found out that Shellpoint has been charging me for additional insurance since XXXX XXXX when I had in fact both the required insurance ( HOA and homeowners ). I even submitted a copy of the HOA insurance certificate through the website used by the mortgage servicing company and uploaded my HOA insurance back in XXXX. They ignored my insurance certificate and started billing me for additional insurance until I found out this month. In total I was charged an extra {$480.00} as extra insurance when I was not aware or did not need it. Shellpoint has the contact information for my HOA and could have contacted them directly for verification if needed. They also have the previous certificate with the agent information on it. I provided the copy of the insurance certificate when asked back in XX/XX/XXXX. 
They have been charging me extra, therefore increasing my monthly mortgage payment. This is fraud and unprofessional. It definitely needs to be investigate. 
You will find attached copies of the insurance certificate from HOA and email confirmation from the 3rd party company they requested to have my insurance uploaded to. I also submitted a copy of the letter I received back in XXXX for the same HOA insurance where you can see the 3rd party vendors information website where to send documents.
Consumer complaint received 2024-06-25
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MN)

I attended XXXX XXXX XXXX XX/XX/XXXX through XXXX. A for-profit school that is on the list of schools XXXX formerly XXXX XXXX when my school initiated my loans, is known for having deal with for preditory lending. After the XXXX settlement XXXX i learned that i would not recieve forgiveness of my private loans due to the fact i had been repaying them. In XXXX of XXXX i asked for help or information about having my loans forgiven or XXXX due to this misconduct from my school and the amount i have already paid XXXX over the last 15 years that exceeds the original borrowing amount of {$XXXX}. As of XXXX XXXX I have paid {$XXXX} in interest and my principal balance still increasing as I struggle to make the payments. On XX/XX/XXXX I read about and requested the School Misconduct Discharge application which I was told would either be sent to me or i would get a letter explaining why I would not qualify for the School Misconduct discharge and as of today XX/XX/XXXX I have heard nothing from XXXX.
Consumer complaint received 2023-09-26
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. (FL)

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 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 2023-07-20
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. (NC)

The Law office of XXXX XXXX, {$1200.00} and another the law of office of XXXX XXXX {$1200.00} In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX  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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Carvana Group, LLC (IL)

XXXX refuses to remove the fraudulent information they have listed on my credit report due to their predatory lending practices. They need to remove this fraudulent account off my credit report. Inaccurate reporting is causing my family a great hardship. Using the credit bureau system to discriminate against consumers through predatory lending practices that have been outlawed by many Attorney Generals in the United States. Please look into this companys reporting practices!!!!! The transmission went out as soon as I purchased the car and the company would not help me replace it and instead of allowing me to fix the transmission they fraudulently repossessed it. It was not past due I needed to fix the transmission and as soon as they found out the transmission went out they decided I needed to make all the payments and avoided the arrangements I made to make the repairs affordable. Please investigate this company.
Consumer complaint received 2024-05-23
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. (MO)

Im in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious too my Credit score. 
Account Number : XXXX XXXX XXXX XXXX Account Name : XXXX
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Fidelity National Information Services, Inc. (FNIS) (TX)

In XXXX of this year, XXXX XXXX  ( Arkansas ) closed a checking account with a negative balance of around {$120.00}, so the account was closed off and reported to ChexSystems. After being denied when attempting to open a checking account, I contacted XXXX and was told that they had reported to ChexSystems that the amount had been paid and should be removed from my report, and that I should contact ChexSystems. I called and filed a dispute stating that having this on my report is affecting my financial stability, and they informed me that they would contact XXXX and would follow up with me by mail. They have since informed me that although the {$120.00} was paid with another account ( and could have been prior to the account closure ), the charge-off will remain on my report for 5 years, now making it impossible to open a checking account with any other institutions that use ChexSystems.
Consumer complaint received 2024-04-29
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: Experian Information Solutions Inc. (GA)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding negative items was submitted on XX/XX/year>, and I have not yet received a response. ''
Consumer complaint received 2018-05-02
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I have a 401k with XXXX XXXXBank of America. XXXX is forcing me to close my account on XX/XX/18 against my wishes. Because of this, I am going to have to deposit the money in my IRA with XXXX Funds. I sent Merrill Lynch a written request to complete this transfer, but XXXX XXXX XXXX with XXXX refused saying they don't take written instructions. It's 2018 ... .business is done in writing.
Consumer complaint received 2023-04-15
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Kashia Services (AL)

I got a loan for {$470.00}. Now the company is saying I owe them XXXX  XXXX. They said the repayment would only be {$470.00} + XXXX XXXX in interest. Now they are saying I owe {$2000.00} & my installments are only paying {$2.00} towards the principal every payment. They representative said 1/2 of the {$130.00} payments was the principal & the other half was going to the interest. This was not the case.
Consumer complaint received 2024-05-23
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)

there is information on my consumer report that is a result of identity theft. i did not give any written permission in accordance with the FCRA to have the below identified transactions furnished on my consumer report. Please block the reporting of this information. the identified transactions are not related to any transactions by me the consumer. This block is not being made in error, or on a basis of material misrepresentation of fact. I AM IN FACT, REQUESTING THIS BLOCK ON BEHALF OF MYSELF. XXXX, Transunion, and XXXX refuse to abide by FCRA regulations on multiple attempts. they continue the reporting of fraudulent accounts on my consumer report. attached is more proof that the investigation they claim to have made is in fact false as these companies report different days, amounts, types of accounts, some report open as others report closed. this is all FRAUD and the reporting agencies have done nothin g to protect my consumer rights. making them civilly and criminally liable for all the damages i have been through these past few months.DO NOT ATTEMPT TO DELAY THIS 60 DAYS. THIS BLOCK MUST BE DONE WITHIN 4 DAYS OF THIS NOTICE, PURSUANT TO 15 USC 1681C-2.