davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-09
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. (KY)

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 XXXX 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 2024-01-01
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: EQUIFAX, INC. (TX)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please XXXX and remove it. 
XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX
Consumer complaint received 2024-04-09
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. (NM)

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 2024-04-09
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)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my acct. This acct is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : 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 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I looked at my XXXX, XXXX, and TransUnion credit report on XX/XX/year>, and still noticed XXXX, XXXX, and TransUnion and is reporting incorrect/ inaccurate personal information. I sent letter regarding the inaccurate information. I contacted the companies to update my personal information. I am telling them to update or delete the incorrect personal information. XXXX, XXXX, and Transunion have failed to delete the items from my credit which cause severe XXXX 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 1681 e ( b ), 15USC 1681S-2 ( A ) & ( B ), and 15 USC 1681 1i ( 5 ) ( a ) ( i ) & ( ii ) these accounts are in violation of not reporting 100 % accurate. Here are the accounts : XXXX. XXXX delete immediately XXXX-delete immediately XXXX XXXX delete immediately XXXX delete immediately XXXX delete immediately XXXX XXXX XXXX delete immediately XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) -delete immediately XXXX XXXX XXXX- delete immediately XXXX XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX  ) - delete immediately XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) delete immediately XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) delete immediately XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) delete immediately I demand that the above accounts be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity.
Consumer complaint received 2023-10-10
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: EQUIFAX, INC. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2018-08-04
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. (NY)

I have been disputing this negative account that is now in collections since XX/XX/2017. I have contacted XXXX for the proof that the account is mines. I have disputed that the account isnt mine and i am a victim of identity thief. They keep replying to me and the credit agencies that the account is my responsibility and i owe the debt. I have requested paperwork that has my current information and signature. I have never received such paperwork. I have inquiries listed on my credit report that I didnt seek no credit from anyone. Someone is using my credit information to get accounts in my name.
Consumer complaint received 2024-04-09
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. (GA)

This Collections validity is in question and is illegally reporting on my credit report, violating my privacy, and HIPPA law, and. Please remove this from my consumer reports or you are opening yourself up to litigation. 

XXXX XXXX XXXX {$750.00} Balance
Consumer complaint received 2024-01-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CL Holdings LLC (AL)

XX/XX/2021 fXXXX XXXX XXXX XXXX for amount of {$590.00} I disputed this account and reached out to let them know this account was open fraudulent and that they need to remove this account from my credit report and it's still reporting no action has been taken
Consumer complaint received 2021-03-10
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 — Investigation took more than 30 days
Company: CITIBANK, N.A. (NY)

i filed a dispute in regards of the inaccurate items on my credit report it has been well over 30 days and i haven't received any investigation results
Consumer complaint received 2024-05-11
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Consulting Services, Inc. (CA)

This collection reporting agency is using a tactic called re-aging a debt. This is a violation of section 807 FDCPA. This tactic is used to misrepresent the account and when it became delinquent. This collection agency is collecting on an account previously that they stated occurred many years ago and re-age the account to show first reported XX/XX/XXXX. This is a violation that must be immediately corrected. 

They are also deliberately hiding the fact that this account is a medical debt by indicating nothing where it says type of account. This is deceptive, practice and illegal. This is done deliberately to hide the fact that its a medical debt as the CFPB has worked hard to change the laws with reporting medical debt. 

I have submitted proof of a hardcopy of my credit report that shows the debt was reported in XX/XX/XXXX and today I received notification from XXXX that it was reported as a debt that was reported in XX/XX/XXXXXXXX XXXX
Consumer complaint received 2020-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX / XXXX Bank Account was reported as missed payment XX/XX/2020. Which is incorrect. I paid for XXXX and XXXX on time for the {$41.00} that they told me to pay as I am out of work. I am paying as agreed.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In XXXX of XXXX and XXXX of XXXX, I was going through some financial difficulties and missed one payment. When I realized that this payment was missed, I contacted the XXXX and apologized for missing the payment and asked if I paid {$5600.00} would they remove the missed payment? The person I spoke with stated they can do that as long as I make the payment. I told them I was waiting for a deposit and that as soon as I received it would make the payment. I received the payment on XX/XX/XXXX and made the payment. The missed payment was removed and on XX/XX/XXXX I was trying to refinance my auto loan with the credit union I bank with, and it was denied. When I looked at my credit karma score XXXX added the missed payment this time for XXXX. I called them and asked if I made a {$5600.00} payment last month so why are you adding missed payment again to my credit report? They said because you didn't make a payment for XXXX even though I made an over five-thousand-dollar payment in XXXX. I told them I was getting paid on the XXXX to make another payment. They keep stating that they report accurate information and that they will not remove the missed payment. I never harmed their company and made a big payment. I missed one payment back in XXXX when I was going through financial difficulties and corrected my mistake. This company is willing to harm my credit score even though I didn't do anything to harm the company. I would like this missed payment to be removed since I made that big payment which would cover many payments going forward. I'm still making payments every month to finish paying the last {$1000.00} left. This missed payment for one month affects me negatively when I'm trying to fix my credit score. If CFPB can help with this situation I would greatly appreciate it because this is causing a lot of stress which is adding to my XXXX symptoms due to my military service in XXXX. Thank you.
Consumer complaint received 2023-05-07
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (SC)

WellsFargo in XXXX sc on XXXX XXXX they opened a Savings Acct. I closed the acct because I felt like my acct. was tampered with by a inside Employee. 
XXXX.They actually opened up 2 Accts without my Consent but when I asked no one knew what took place. 
1.1st acct XXXX savings acct # XXXX 2.2nd acct XXXX XXXX acct # XXXX XXXX XXXX
Consumer complaint received 2024-04-09
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)

I hope this message finds you well. I am writing to address a matter of significant concern regarding the repeated attempts made to rectify the late open accounts associated with my account. 

Despite my prior communications and efforts to resolve this issue, I regret to inform you that the situation remains unresolved. It is distressing to note that despite our previous discussions and agreements, the matter continues to persist, causing undue inconvenience and frustration. 

Despite these efforts, I am disappointed to report that the issue has not been effectively addressed, and I continue to face challenges due to the unresolved late open accounts. 

I expect a prompt response detailing the steps that will be taken to address this matter effectively. Additionally, I request assurance that such issues will not recur in the future. With this, I am asking for your assistance to correct these accounts in my credit file : XXXX XXXX XXXXXXXX Balance : {$170.00} ; XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX Balance : {$38.00} ; XXXX  XXXX Balance : {$67.00}.
Consumer complaint received 2024-05-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Self Financial Inc. (OH)

After carefully reviewing the document, I have identified several discrepancies that require immediate attention and correction. 

Personal Information : Incorrect Name/Address : The credit report lists the misspelling of my name as my current information. However, my correct name and address is different. The report also lists an incorrect social security number as well. 

Outdated Information : Additionally, I noticed that the report includes outdated information such as Old Addresses/Names/Phone Numbers which is no longer relevant to my current financial standing. 

Impact : These inaccuracies are not only misleading but also have a detrimental impact on my financial credibility. I am concerned that these errors may affect my ability to secure loans, mortgages, or other financial services in the future.

As a consumer protected under the Fair Credit Reporting Act ( FCRA ), specifically under Section 15 USC 1681, to bring to your attention inaccuracies present in my credit report. As per the FCRA, it is my right to ensure that the information contained within my credit report is accurate and up-to-date. Section 15 USC 1681 mandates that consumer reporting agencies, such as yours, maintain reasonable procedures to ensure maximum possible accuracy in the preparation of consumer reports.
Consumer complaint received 2018-08-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: DISCOVER BANK (MD)

I did a payoff of my Discover card balance back in XX/XX/2018 through a Home refinance, which was paid directly by XXXX XXXX XXXX ( my home mortgage company. Today, XX/XX/2018, I received an email from Discover indicated that a payment of {$65.00} was within from my checking account as I had a previous auto-payment set up on the credit card account. Knowing that I had paid the full amount of my previous balance off I call Discover and they acknowledged that they had recieved the pay for this account. However, they told the {$65.00} must have been residual interest on my account. I asked how this could since myself and the XXXX XXXX XXXX contacted Discover Card for the payoff amount. I feel this is a direct attempt from this company to extract funds that should not have been added. As a side note I have not used this card in a least three years for and direct purchases.
Consumer complaint received 2023-04-20
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. (TX)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

I am in the processing of looking for a home, and I seen there was damages made to my credit report. According to the 15 U.S.C 1681 law, there should not be any damages to my report. I didn't authorized these hard inquires, they are not in relation to my account.
Consumer complaint received 2023-07-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

capital one closed my platinum card without explaining to me why. i notified them of charges being placed on my account by someone other than myself and the next day i logged into my account and the card was closed. i called and got hung up no explanation nor did they attempt to provide me a solution or a different card to replace closing mine
Consumer complaint received 2024-01-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

On XX/XX/XXXX, I sent my FTC report and license to XXXX, Equifax, and XXXX. I am following to correct steps to report identity theft. I have fraudulent accounts reporting on my consumer report.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Consumer Financial Protection Bureau COMPLAINT : FCRA VIOLATIONS I have recently pulled a copy of my consumer credit report. I have disputed this account/creditor XXXX XXXX XXXX Transunion, XXXX and XXXX for several years and they failed/refused to remove this account from my consumer credit report. TransUnions, XXXX and XXXX consistent delinquency reporting of this unverifiable fraudulent/inaccurate account has/is causing loan denials ( personal and business ), car loan denial, credit card denials, credit increase denials, high interest rates, application denials that has wreaked havoc in my life. Under the FCRA credit bureaus are prohibited from reporting fraudulent or inaccurate information on consumer credit reports. Consumers have the right to dispute any inaccurate information on their credit reports, and CRAs are required to investigate these disputes within a reasonable period. If the information is found to be inaccurate, the CRA must correct or delete it. Credit bureaus that violate the FCRA by reporting fraudulent or incorrect information, consumers have the right to take legal action against them. I have attached documentation IN THE STATE COURT OF XXXX XXXX GA, Civil Action NO XXXX. 

Also, I have filed a previous complaint with the CFPB concerning incorrect addresses that should NOT be on or attached to my consumer credit report and again they refuse to correct and update. XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX GA XXXX is the ONLY address that should be listed on my consumer report. Your assistance in this matter is appreciated.
Consumer complaint received 2018-08-04
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (MS)

Over the past 12 months my monthly payment for my private student loans through Navient have steadily increased. On XX/XX/XXXX my monthly payment was {$740.00}. By XX/XX/XXXX, the amount increased to {$750.00}. The amount increased again just this month, XX/XX/XXXX, to {$760.00}. My loans are private and have a variable interest rate so I do understand that these rates will fluctuate from time to time. However, prior to the past 12 months, rates only increase once a year and it has a tiny effect on my monthly payment. Now it feels like every month when I login, I'm paying more and more and more. I called Navient back in XX/XX/XXXX for some clarification on the matter and the female service rep who took my call coldly replied, " we do not set the interest rates ''. Duh! I know that but I was seeking insight as to intangibles that could be possibly make my payment increase every 2-3 months. I'm certain interest rates are not changing THAT often. When I explained this to the rep, she again replied, " We do not set the interest rates ''. She was no help at all, nor was she trying to be. 

Additionally, in XX/XX/XXXX, I lost my job and reached out to Navient for assistance with paying my loans. A deferment would have been most ideal for my circumstances as I was living off my last paycheck from work and very little savings. The customer service rep did not offer me a deferment. Nor were they willing to help me get a lower monthly payment based on my current income. I was told my ONLY option was to do a forbearance and that in order to obtain such for 3 months I had to pay a {$150.00} service charge. Why am I paying you {$150.00} to forbear my loans? If I'm struggling to pay my current loan amount, what makes you think I have {$150.00} extra dollars to give you? Out of desperation for relief, I went with the forbearance but the entire the rep processed my payment over the phone I felt cheated. I knew I was been mislead and taken advantage of ( as if owing {$34000.00} in student loans with an 11.2 % interest rate isn't bad enough ). I can only imagine what other borrowers may be going through. To be clear, I have no problem paying back my student loans. They allowed me to invest in myself and further my education ; however, I would like to be treated fairly in the repayment process, which I feel I have not.
Consumer complaint received 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MN)

The following XXXX XXXX credit card account : XXXX currently listed on my XXXX and Equifax credit report is a lost/stolen credit card account and card. XXXX XXXXXXXX credit card is lost/stolen.