davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Please be advised that as of XXXX, I XXXX XXXX noticed the following XXXX XXXX inaccurate / invalidated accounts on my credit profile. Account numbers are as follows : XXXX, XXXX & XXXX. Please find attached proof that these accounts are currently in dispute with XXXX XXXX via mail and fax. To date, XXXX XXXX have not validated the debt for the three accounts listed. As a result Transunion is in violation of 15 U.S.C. 1681 ( i ) 5 ; ( 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 that item of information from the file of the consumer. Please remove the inaccurate / invalid accounts IMMEDIATELY as their reporting has caused me and my reputation harm and discrimination. XXXX XXXX ( Without Prejudice )
Consumer complaint received 2018-10-23
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (KY)

I signed up with XXXX XXXX XXXX in XX/XX/XXXX. My payments have always been automatically withdrawn from my account. However, in XX/XX/XXXX I noticed the payments stopped coming out. I tried to contact the company and found that the number wasn't in service. Then I found out that Navient reported to XXXX XXXX that I was delinquent on payments. I was never contact by anyone from either company. After researching with XXXX XXXX I learned that is because XXXX XXXX XXXX changed my contact information to their company in XXXX, TX. I am still researching the multiple TX addresses listed on my credit report. Navient then turned over the loan to the US Department of Education for non-payment. I have now set up a payment plan with them, but the negative affect to my credit has lowered my score to XXXX. My loans also went from {$35000.00} to {$42000.00}. They took advantage of the fact that I have been in survival mode for years. Between losing a job, dealing with my daughter 's father 's XXXX, then his death ... I had to declare bankruptcy, just barely making it yet still paying what I thought was a legitimate company. Come to find out they have taken money, raised my debt, and further destroyed my credit. As I started research I learned that XXXX XXXX XXXX is being sued and investigated as is Navient. I don't know where to go from here.
Consumer complaint received 2023-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIZENS FINANCIAL GROUP, INC. (KY)

Citizens Pay showed up on my credit report. Ive I contacted them in writing & several phone calls. They closed the account. The have never asked me to pay the loan but refuse to remove it from my credit report. The report good & late payments to my file & continue to damage my credit score. I have filed a identity theft report with the gov.
Consumer complaint received 2023-07-03
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. (MD)

This is my Third 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 accounts 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 XXXX XXXX XXXX XXXX Balance : {$5400.00} XXXX XXXX XXXX XXXX Balance : {$9300.00}.
Consumer complaint received 2023-11-20
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)

The unverified items indicated below continue reporting on my credit report despiteseveral written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you donot validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (DC)

On XX/XX/2023, I applied for the SAVE IDR plan on myfedloan.gov. I was approved for this plan at a $ XXXX monthly payment and my information was sent to MOHELA. 

On XX/XX/2023, I was placed on an " Administrative Forbearance '' by MOHELA. MOHELA has not placed me on the SAVE plan and has not provided any reason for not putting me on it. Interest has continued to accrue on all of my loans, despite the fact that I am qualified for the SAVE plan and this interest should not be accruing.
Consumer complaint received 2023-11-19
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. (MO)

Subject : Formal Complaint Regarding Discriminatory Practices and Unauthorized Access to Credit Report I am writing to file a formal complaint against your organization regarding discriminatory practices and unauthorized access to my credit report. I kindly request that this complaint not be closed without thorough investigation and resolution. 

I have encountered significant challenges over the past few months in attempting to rectify discrepancies in my credit report, specifically related to XXXX XXXX accounts and other unauthorized entries. My primary objective is to have these erroneous records promptly removed to facilitate my pursuit of homeownership and the realization of the American dream. 

As a minority XXXX woman, I am particularly concerned about potential bias in credit reporting. Notably, my social security number begins with a XXXX, and studies indicate that most minority social security numbers commence with a XXXX or XXXX, while non-minority numbers may start differently. This raises suspicions of discriminatory practices affecting my credit profile. 

Despite my persistent efforts, I have been unsuccessful in preventing XXXX XXXX and other entities from accessing my credit reports. I formally requested that your bureau block their access to prevent fraudulent activities. Regrettably, my requests have been ignored, leading to continued unauthorized access and monthly derogatory updates, adversely impacting my credit scores. 

I urge your immediate attention to this matter and request a thorough investigation into the discriminatory practices and unauthorized access outlined above. It is my expectation that the appropriate measures will be taken to rectify these issues promptly. 

I appreciate your prompt attention to this matter and anticipate a resolution that ensures fair and unbiased credit reporting. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Viking Client Services (TX)

XXXX XXXX XXXX rented out a filthy car that may have had windshield damage at the time of rental. The car did not have a full tank of gas and was very filthy. It was the only car available that evening and my son needed it for work the following day. On the way to work, my son noticed it had a crack that got larger each day. We asked XXXX to supply photos taken of car prior to rental. They refused. We asked for the bill and they did not send it. The XXXX representatives who rented out the car were fired because of fraudulent pratices. We do not trust XXXX and believe we have been scammed by their former employees. XXXX has reported us to Viking Client services. We requested photos and bill from Viking as well. XXXX XXXX is refusing to send pics and bill. Her agressive tone was hostile. Car was rented around XX/XX/XXXX XXXX
Consumer complaint received 2024-01-03
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 have no public records associated with my credit report. I find this situation unacceptable. I urgently request that you rectify this and remove these entries from my report. The situation is causing me significant XXXX and distress
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MS)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 2023-11-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

There are numerous accounts that I dont recognize and never had business dealings with. Ive tried to remove them for several years but XXXX keeps allowing these companies to reappear as new. Its a violation of my privacy to start with, as I do not know these companies and have never given them authority or consent to my personal information
Consumer complaint received 2023-11-17
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. (UT)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-05-03
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I just would like to add to my previous complaint XX/XX/24 about breach of oral contract by BofA pertaining to a XX/XX/24 credit card settlement agreement that was offered & accepted therefore binding. The XXXX XXXX did call me back on XX/XX/24 & offered to return the payment of XXXX to my father as restitution. I declined that offer as I would just like BofA to honor the settlement contract, I reside in PA & a contract does not need to be in writing for it to be valid. Thank you.
Consumer complaint received 2023-12-11
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (FL)

On XX/XX/XXXX an account from TRANSWORLD SYSTEMS INC. appeared on my credit report. The account is reporting Im in debt in the amount of {$910.00} to them.

I have never done business with this company nor signed any legal document or made any agreements that I will make this or any payment for services provided by their company and therefore considered fraud on their behalf.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I am a victim of identity theft!! Please delete this items IMMEDIATELY!

This accounts should not be furnished on my consumer report as they are in VIOLATION Under, 15 U.S Code 1681b - Permissible purposes of consumzzer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates.

I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the accounts listed and any other account listed as a collection IMMEDIATELY!
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (OK)

XXXX I received my consumer report, on XXXXI sent A certified letter requesting all incomplete and inaccurate information be removed from my personal file On XXXX I received a letter stating they do not need to correct or remove any In accurate or incorrect information, I also included an identity theft letter with my original certified letter. It's my understanding I have a right to have everything on my report correct as to me and my information not anybody else 's they want to put onto my information file which they seem to have done.
Consumer complaint received 2024-05-06
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: JPMORGAN CHASE & CO. (NV)

As of my XXXX credit report on XXXX XXXX and XXXX. Never open a Chase credit card don't know anything about Chase credit card I didn't say a fraudulent activity. Attempting to dispute at all levels. 

File a complaint with attorney general 's office consumer protection as well. 
XXXX
Consumer complaint received 2023-07-17
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. (AL)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2024-02-20
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. (FL)

I offered to pay a lump sum of $ XXXX to discharge my loan. The agent laughed at me and said there was no way that would happen. 

I have never made more than $ XXXX since graduating, with multiple bouts of unemployment. I have struggled to repay this loan and the initial loan was $ XXXX, it is now at $ XXXX with interest.
Consumer complaint received 2024-07-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: VYSTAR CREDIT UNION (FL)

I'm an XXXX  Veteran. Vystar Credit Union has been fraudulently taking money out of my account without my consent under what they call " line of credit ''. I have reviewed my statements and there are transactions and fees that are not mine but posted under this line of credit that I am being held accountable for. As an XXXX  person, Vystar Credit Union is taking advantage of me and I ask that Vystar Credit Union being investigated for stealing from me.
Consumer complaint received 2023-12-11
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: U.S. BANCORP (CA)

I lost my card and the operater told me the replacement card would be 5-7 business days and today the XXXX of XXXX is XXXX business days. Now this has lead up to having to borrow money from people and the shame that comes with not having access to money is unexplainable. If the card is coming in the mail do not say it's going to be 5-7 business days if it's going to take 10-14 days just let people know thank you.
Consumer complaint received 2024-02-20
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Confusing or misleading advertising or marketing — 
Company: King of Credit Financial, Inc ()

I wish to file an appeal/legal action/suit against the companies XXXX XXXX XXXX which I believe operate under the name " XXXX XXXX XXXX XXXXXXXX '' since they are illegally withholding my money due to their negligence. 

My name is XXXX XXXX XXXX, I am XXXX, and on XX/XX/XXXX I traveled to the United States, to XXXX and XXXX to visit both cities, XXXX XXXX and tourism in general. 

I needed to rent a vehicle to move around Florida and I booked a vehicle from XXXX with XXXX, which to my surprise advertises a XXXX  phone number but they have no representation here- for this reason I am looking to hold them responsible in the United States ( this is their XXXX XXXX XXXX XXXX ) - I'm attaching the confirmed reservation, proving they know about it. 

It turns out that they receive the payment of the reservation with my credit card and they told me that with that same card I could pay the taxes and other pending charges at the XXXX ( XXXX XXXX ). 

I arrived at the XXXX and at the XXXX XXXX and they did not let me pay with my card because it did not comply with some characteristics that they mentioned, but as I mentioned, to make the initial payment they did accepted my card and they told me that it would not have any problem in the United States .

I have emails, messages and photos where I can prove that they do not want to return my money under null arguments.

Translated with XXXX ( free version )
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IN)

XXXX, our previous mortgage holder, sold our mortgage to XXXX. 

The last month of paid to XXXX for the mortgage was XX/XX/XXXX and the first month of mortgage paid to XXXX was in XXXX and even then they tried to charge us twice our normal mortgage cost because they couldn't figure out how to transition things properly. 

Recently XXXX gave me a year of Experian Security to monitor my credit after they got hacked and my personal info was leaked. 

According to Experian I have 2 real estate accounts open, my current mortgage holder XXXX and my old holder, XXXX but it shows the account is still open. 

I called XXXX on XX/XX/XXXX to tell them it still shows up on my credit report and that they need to close. They told me I have to write to Loan Care Attn : Credit Bureau Disputes XXXX XXXX XXXX XXXX  XXXX, Virginia XXXX And give them my previous loan number and/or address to have the account closed and taken off my credit report. 

It's ridiculous that a company should be allowed to handle something so vital to a person, their very home, when they could potentially damage their credit and can't even properly close accounts when selling/transitioning. 

Is this a company with stock holders? Are they reporting more accounts than they actually have? I question the ethics of this company and think their " negligence '' is actually intentional.
Consumer complaint received 2023-10-02
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: Rocket Mortgage, LLC (TX)

I cancelled my refi with XXXX within the 3 days, this was not disputed. however, XXXX sent the payoff anyway. The payoff was made on my house account ( with XXXX ) and then reversed within the same month. A month and a half later I get served with a lawsuit where XXXX is suing me for my house, saying I took their money, even though I still had the outstanding mortgage balance with XXXX. This has been going on for over 3 years and last week a judge granted XXXX a lein on my home. I need help, no one is following the rules here.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I called the company repeatedly today to try to unfreeze my credit report and the automated menu kept hanging up on me. I called around 6 times and was hung up on every single time by the Transunion automated system. 

I tried to login repeatedly and never received the 6 digit verification code. 

I tried to chat with a human after being faced with a robot on the transunion website and the human that showed up provided zero help and refused to transfer me to a supervisor. I did provide feedback that no help was provided on the transunion website. 

I'm now at a dead end with trying to unfreeze my transunion credit report. I need to UN-freeze my Transunion credit report immediately. 

Thank you.
Consumer complaint received 2018-10-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: NAVY FEDERAL CREDIT UNION (GA)

I got a loan through Navy Federal In XXXX  Ga on XX/XX/2018 for XXXX. It was for a used car from XXXX XXXX XXXX. I had called Navy Federal the morning of XX/XX/XXXX so under 24 hours and asked to put a cancelation on the loan because the vehicle I had safety concerns and my wife was scared to drive it. I had then returned the vehicle to XXXX XXXX and he refused to give me my check back. So I called Navy Federal and talked in person to 5 different people and they all told me that the cancelation was in process and theres no way the loan could go through and if XXXX XXXX tried to process it then it would get denied and sent back to him. I then get a call 15 days later saying the check had processed and there was nothing I could do about it. XXXX XXXX had forced payed my check by saying I had possession of the vehicle I haven't had the vehicle for almost a month now but Navy Federal never called me when Mr XXXX  told them that. I then told the lady that called me that I wasn't going to pay on a vehicle I don't have and she told me that they would force take money out of my account if I didn't make the payment. I have a lawyer right now for XXXX XXXX as well. I also asked the lady if I could have an investigation on the recordings of the phone calls since the people told me the check could never get processed and she told me I couldn't do that.