davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting XXXX XXXX XXXX XXXX Account Number XXXX 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 can not furnish a account without my written instructions.
Consumer complaint received 2023-10-13
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. (FL)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2024-04-05
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)

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
TransUnion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-04-06
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (ME)

I took out a {$12000.00} private student loan from Navient ( then Sallie Mae ) when I went to the University of XXXX. My mother cosigned on the application. It came with a 9.75 % variable interest rate, which was terrible, but neither my mother or I were very financially literate going into student loan borrowing, and we made some bad decisions. It's my understanding that since then, such a loan has been made illegal and labelled as predatory. I graduated into the recession with a XXXX XXXX degree, and spent years making just enough to live on, unable to repay any of my loans and also cover my bills. 

The last four years, however, I've been making a stable wage and paying my loans on an income-based repayment plan. I make about {$28000.00} a year after taxes, and in the last four years I've paid {$26000.00} against my student loans. My federal loans received {$13000.00} of that - dropping my principle by around {$1000.00} or so ( the rest went to interest ). My private loan got the other {$13000.00}, and the balance on dropped a few hundred dollars. I called to ask about dropping the interest rate now that I'm paying reliably, but they declined. They have no legal force to press them to care, so why would they? 

I pay {$7000.00} in interest to student loans, every year, just for the privilege or being able to reduce my total balance, but that {$7000.00} a year is all the money I can spare - so my balance doesn't drop. I can't consolidate my private loan in with my consolidated federal loans, because my income to debt ratio is too low. 

I borrowed less than {$60000.00}, and I have no problem paying that back, even with a reasonable amount of interest - I'd have it done in another 10 years if that was all that was needed. But since my loans grew and grew for years, and since so much of my ability to pay goes to my constantly stacking interest, I'll end up paying over $ 250- {$300000.00} for my piecemeal XXXX  college education. If I can't increase my earnings and therefore my payments ( unlikely given wages have been stagnant for 40 years, and especially unlikely now that we're going into another recession ), then I'll pay until I'm eighty years old, without any saving for retirement, without any access to economic security or flexibility, without any hope.
Consumer complaint received 2018-05-08
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: TD BANK US HOLDING COMPANY (MA)

I contacted XXXX multiple times complaining about XXXX XXXX and XXXX XXXX submitting false information to disrupt me credit score and my life in general.there both wanted by the XXXX district of New York US marshals XXXX and are under investigation by the new York states attorney general office please call XXXX XXXX and confirm for XXXX bank fraud etc. and XXXX continues to accept information from these two fugitives that are seeking revenge for me reporting the i was an XXXX in XX/XX/2016 now i'm a XXXX  can you have XXXX  explain this? they cant the only number XXXX should accept from any regular person in from my phone if there no bank financial instantiation this fraud as stop me from securing a car loan a credit card i'm XXXX i don't have many option on a fixed income thank you XXXX XXXX XXXX i would like my credit score restored its correct number and no number but my own personal home phone be accepted for information accept for financial instantiation that are verified to be real financial instantiation.And do to the fraud TD Bank denied me a credit card claiming i was last is the last 12 months which isn't true at all because XXXX and XXXX contacted both XXXX  and TD bank harassing empolyee 's pretending to be me using my Social security number name address and D.O.B thank you XXXX XXXX XXXX and the CFPB staff for helping resolve this matter
Consumer complaint received 2024-04-05
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. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am reporting a fraudulent inquiries found in my credit report
Consumer complaint received 2023-10-13
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. (FL)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-10-13
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. (FL)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-10-13
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: EQUIFAX, INC. (FL)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-04-05
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. (GA)

I am writing to express my utmost frustration and dismay regarding the continued presence of late open accounts and a public record on my credit report, despite previous attempts to have them corrected. Despite providing extensive evidence of inaccuracies and following the proper procedures outlined by your agency, these detrimental items persist, adversely affecting my creditworthiness and financial standing. 

Despite these persistent efforts, the inaccuracies remain unresolved, casting doubt on the accuracy and integrity of my credit report and hindering my ability to access credit and financial services. 

I demand immediate action to thoroughly investigate the late open accounts and public record and expedite their removal from my credit report. I have attached copies of all previous correspondence, dispute letters, and supporting documentation for your review, and I request that you conduct a comprehensive review of this information to facilitate a swift resolution. 

Failure to resolve this dispute promptly will leave me with no choice but to pursue alternative avenues for seeking redress, including legal action to enforce my rights under the FCRA and obtain appropriate remedies for the damages incurred. With this, I am asking for your assistance to remove the public record and correct these late open accounts or fraud items in my credit file : 1. XXXX XXXX XXXX Balance Owed : {$1000.00} - Please check the Payment History and Status information on this account and adjust accordingly. 

2. XXXX  XXXX XXXX Balance Owed : {$2100.00} - Evaluate this reporting by revising the information provided. Modify and perform any corrections or update this from my file. 

3. XXXX XXXX Bankruptcy Reference # : XXXX - The bankruptcy is reported beyond the permissible time limit. According to the Fair Credit Reporting Act ( FCRA ), bankruptcy information should be removed from my credit report. Please investigate and rectify this discrepancy 4. XXXX  XXXX Bankruptcy Reference # : XXXX - The bankruptcy is reported beyond the permissible time limit. According to the Fair Credit Reporting Act ( FCRA ), bankruptcy information should be removed from my credit report. Please investigate and rectify this discrepancy
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. (GA)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.
Consumer complaint received 2023-10-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (OK)

On XX/XX/2022 ; LVNV funding began to report a negative account to my credit reports for XXXX, XXXX and XXXX on Behalf of XXXX XXXX XXXX I have never opened any accounts with XXXX XXXX XXXX and do not acknowledge this debt and have never received any information regarding my right to dispute this information. I have attempted to dispute this information with XXXX and this company refuses to provide me with any documentation proving that this account belongs to me or their right to attempt to collect on this account. The above mentioned bank is in a state in which I do not reside and the lack of proof being verified as accurate with the credit bureau is puzzling. When I tried to contact XXXX XXXX XXXX, they do not seem to have record of this account and could not provide me any information and agreed to delete this account from my credit reports and I suggest that LVNV funding do the same by closing and removing this trade line from the credit bureaus with no changes to this account. I do not acknowledge this debt and if the creditor can not produce and signed documents that I agreed to any accounts with this company, then to stop harassing me and remove the account or further legal action will be taken against them.
Consumer complaint received 2023-10-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION ()

15 U.S.C 1681 section 602 A. states I have the rights to privacy.

15 U.S.C 1681 section 604 Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions This account was fraudulently used while I was on a XXXX in the military and ended up being sent to collections. I want this account removed from all 3 credit bureaus XXXX, XXXX and XXXX Please. I am currently stationed in XXXX, XXXX and have been trying to get this account removed for some time. This account has been sent to debt collector and they have been constantly harassing me to pay for an account that was not used or authorized by me.
Consumer complaint received 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2024-04-05
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 recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-10-13
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (NC)

Wells Fargo has pay in advanced on ACH depositstherefore money shows in account two-days early. Started paying bills with that balance updatebut then WF claims overdraft and begins removing money from overdraft protection, even though they also claim overdraft grace period. The available balance is still OVER the amount they claim was over drafted.
Consumer complaint received 2023-06-07
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: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX XXXX has violated my rights, they are reporting late payments to the credit bureaus and under these XXXXXXXX XXXXodes, reporting my payment is considered as a transaction which is to not be reported on my consumer report. 15 U.S. Code 1681a - Definitions ; rules of construction | U.S. Code | US Law | LII / Legal Information Institute ( cornell.edu ) 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 15 USC 1681a 2 ( A ) ( i ) - EXCLUSIONS- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; I have reached out to XXXX XXXX XXXX XXXX they have yet to reverse the late payment or report it OK USC 1681b states that consumer agencies can only furnish something in accordance with the written instruction of the consumer to whom it relates. I did not give XXXX XXXXXXXX XXXX XXXX permission which is another violation. 

My complaint is also with XXXX, EXPERIAN and XXXX who are allowing XXXX XXXX XXXX XXXX to report inaccurate information on my consumer report which is a violation under the FCRA 15 USC 1681.I sent letters to Experian, XXXX XXXX and XXXX notifying them of the violation but they are still reporting the payments late as well
Consumer complaint received 2022-11-24
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: EQUIFAX, INC. (NY)

This Auto Account Been On My Account Since 2015, I tried my best to fix this After all that time of reporting wrong amount I owe and wrong this account report to XXXX and Equifax, Not XXXX Which Is Not Accurate And therefore I want it deleted off my account, I understand the law and need help this is hurting me and my family because Im the back done they depend on I cant get the right access to keep my family in good health and strength. Please delete improper use of information off my credit report. 

XXXX XXXX Is A Depth collector and not the original company of the auto loan, Apart from that all the information showing on my credit report from this collector is incorrect, please help me in getting this taking care of, if you take the time to look back I wrote you guys before I do not need a update of my account I need it deleted because of how long this have hurt me, if u can kindly help me get this collection of my report, I need a fair shot at credit like everyone else. Thank you
Consumer complaint received 2023-10-13
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. (CA)

Trans Union refuses to investigate the following inquiry. They asked me to file a report with XXXX. But I dont know if its identity theft. They ask me to contact the creditor. Basically they want me to investigate the account.. I have a right under the The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). yet, they refuse to investigate this inquiry. 
XXXX  XXXX XXXX  ) XX/XX/XXXX  XXXX
Consumer complaint received 2020-04-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I've sent in information in XXXX and waited for a reply. I should have had some kind of tracking with it because the company never replied. I'm am simply trying to resolve some issues with my credit report. They are addresses I never lived at, names I don't go by, and misspelling etc, with never accounts they I don't recall opening and that flat out are not mine. I had some documentation from XXXX  showing that I was a victim of the data breach that they had a while back so I'm sure that where most of this stems from. I've reattached the information in this complaint.
Consumer complaint received 2023-08-04
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: EQUIFAX, INC. (CA)

My credit report is showing late payments to XXXX 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 XXXX  customer service representative.
Consumer complaint received 2023-11-07
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)

I see this account has charge-off status and yet there is a past-due balance on your report. This account also is being reported with different payment history days between XXXX, XXXX and TransUnion.
Consumer complaint received 2024-04-05
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)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and remove them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX