davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-22
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. (SC)

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 15USC 1681. 

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 

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

15 U.S.C 1681 section 604A. 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 that records of convictions of crimes with 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 2023-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Someone stole my XXXX XXXX card then made fradulent charges on it. I sent XXXX XXXX a police report & an ID theft affadavit, I have talked to XXXX XXXX a dozen times over the phone & the person on the phone always tells me that he is going to remove the negative information from my transunion credit report but he never removes it. 

The negative information has been on my transunion report for over five years but it still hasn't been removed. 

Transunion tells me that XXXX XXXX has verified this info as accurate but XXXX XXXX  tells me that the negative info shouldn't be on the credit report. 

Will you help me get this negative information removed from my credit report.
Consumer complaint received 2023-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NY)

Hello I have sent out letters trying to dispute a number of inquiries on my credit report that I did not give my consent to and they are unauthorized, completely fraudulent. I have attempted to contact each creditor to get answers and they tell me they will investigate and take care of it. No one ever gives me a direct answer any more just to contact the credit bureaus. I called the credit bureaus a number of times to inform them of my issue and concern and they told me to contact the creditor and i did. I have sent a number of letters to the credit bureau as well and still no response. This is my last hope of getting this situation rectified. I even sent in ftc reports on a 2 different occasions. I sent letters out on XX/XX/ and XX/XX/. I am tired of being a victim of this flawed system This is completely unjust and no one is doing anything about it. I need you guys assistance on the matter please please please.
Consumer complaint received 2023-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

Hi, I hope this letter finds you well. I am writing to file a formal complaint regarding a significant issue with the reporting of my credit information on my Experian credit report. I have encountered numerous challenges in attempting to rectify this matter with the involved parties, and I am seeking your assistance in resolving it. 

The issue at hand involves multiple inaccuracies related to my XXXX loans on my Experian credit report. Specifically, I have observed the following discrepancies : Incorrect Number of Charged-Off Loans : I am aware of six XXXX  loans that were charged off. However, my Experian credit report displays a total of seven charged-off XXXX loans, which is an inaccurate representation of my credit history. 

Multiple Collections Companies Reporting the Same Debt : After the charge-off, my XXXX  loans were reportedly sold or transferred to three different collections agencies, namely XXXX XXXX, XXXX, and XXXX XXXX. Despite this, XXXX continues to " own '' these charged-off accounts on my credit report. Consequently, the collections agencies have been unable to update the credit bureau themselves, as they " do not own the debt, but only report to XXXX. '' Paid-off Loans Not Updated : Four out of the six XXXX  loans were paid in full or settled between XX/XX/XXXX and XX/XX/2023. However, my Experian credit report still reflects these loans as " charged off and unpaid, '' which is misleading and inaccurately represents my credit standing. 

Unresponsive and Uncooperative XXXX Customer Service : I have attempted to address these issues by reaching out to Affirm through email and phone calls. Unfortunately, I was met with unhelpful responses, stating that the information on my credit report is " accurate, '' despite the evident inaccuracies. 

Dispute with Experian Unsuccessful : In my efforts to resolve this matter, I disputed the accuracy of the negative accounts with Experian. Regrettably, they asserted that the information provided by XXXX was accurate and thus could not be removed. 

I firmly believe that these inaccuracies have significantly impacted my creditworthiness and financial standing. As a responsible consumer, I have taken appropriate measures to address my financial obligations, yet the misreporting persists, hindering my ability to access credit and financial opportunities. 

I am hopeful that your intervention will result in a prompt resolution of this matter and restore the accuracy of my credit history. I am prepared to provide any additional documentation or information necessary to facilitate the investigation. 

Thank you for your attention to this complaint. I eagerly await your response and cooperation in resolving this pressing issue.
Consumer complaint received 2023-08-14
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. (NJ)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX 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 2023-04-24
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. (CA)

This complaint will serve as a follow-up to my previous complaint which contains the following items : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$14000.00} XXXX XXXX XXXX XXXX : {$2500.00} XXXX XX/XX/XXXX I want the disputed items to be deleted from my file for their fraudulent status.
Consumer complaint received 2023-11-22
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. (FL)

In these accounts that contain late payments, incorrect information has to be reviewed and eliminated. This is incorrectly reported under my name and affects me too much. 

DPEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Incorrect
Consumer complaint received 2023-04-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TN)

USAA has returned transactions unpaid when the balance of the account met the need to pay the items presented. They returned XXXX XXXX XXXX payment and a {$200.00} check when I have documented proof my account had the funds to pay the items. The representative at USAA also noted they too saw the funds were available and could not understand why the payments were returned. I attempted to resolve several times with no real answer other than the inaccurate depository agreement they submitted as proof which doesn't show deposits I made to cover said drafts. They appear to be running two different balance sheets, one for the customer and one internal which is not made available to the customer until they force an NSF. Unfortunately, this inaccurate proof still doesn't match a customer 's available balance on their mobile app or online account information. They appear to be reordering transactions to force a returned transaction. I'm not sure why they would do this because they have suspended charging the fees but are still causing harm to their member 's credit reports and time loss and reputations harmed. Based on my research this banking practice is commonplace however I have never seen a bank return an item when monies are available in the account. This is insane.
Consumer complaint received 2023-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am disputing inaccurate information on the XXXX files. I am not disputing if it belongs to me or not. The XXXX  files has a name XXXX XXXX XXXX never belonging to me or my XXXX Under the fair credit act law I want to files deleted and removed from my file
Consumer complaint received 2023-06-02
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: Experian Information Solutions Inc. (IL)

I was told that my gap insurance was going to pay the balance and I explained that to the bank. I was unaware that the bank kept charging the account day by day. Once I noticed it was around XXXX and I wasnt Able to do much but pay off the balance. It is effecting my credit in the wya it is hard for me to get another vehicle. I would like for something to be done for the reason being I was in the thought of my gap insurance paying that balance off.
Consumer complaint received 2023-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TX)

On XX/XX/ I was informed by the social security administration that information was accessed from Equifax. I requested a copy of my free consumer report under the FCRA on XX/XX/. Instead of getting my free report I received a letter dated XX/XX/XXXX   requesting identity information instead of the requested report. I provided the agency a copy of the SSA letter regarding the access of my information along with name, address & ss #.
Consumer complaint received 2023-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Transunion is reporting my XXXX XXXX XXXX XXXX account inaccurate. Attached you will find documents that show XXXX with no dates late, XXXX with no late payments and Transunion with XXXX late payments. This information should be removed immediately.
Consumer complaint received 2018-10-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (VA)

A check was deposited into my account that I was not aware of I previously warned my bank about a phone call I received about a week prior to the check being deposited. My bank at the time when I called them only change my account number but they still allowed items to come in and out of my account. Now I am being punished for this. The security department will not speak with me. They are making me pay for the check without even doing any type of investigation. If I didn't continue to call them about the issue they would have never gave me the option to enter in a clam. I also change my online banking password.
Consumer complaint received 2023-09-16
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A. (PA)

I received and email from Best Buy offering to convert my store card to a general use card. I immediately clicked the response digitally that I did not want my card converted to a general use card in XXXX. I nonetheless received a general use credit card today in the mail. I called the company : XXXX and was informed that there was nothing they could do. They suggested I cancel my current ( new ) card and reapply, even though it could impact my credit score.
Consumer complaint received 2024-03-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (NY)

MOHELA placed my account in a forced administrative forbearance from XX/XX/XXXX through XX/XX/XXXX. I am working towards XXXX and did not want to lose any eligible months towards repayment. I have called MOHELA multiple times since XX/XX/XXXX and have been told my account will be update to show these three months as " eligible '' for XXXX. The timing is important as I should have XXXX eligible payments in XX/XX/XXXX if these three months are counted. 

As of XX/XX/XXXX MOHELA has not updated by account an when I speak with a MOHELA representative by phone I am told the payments will be updated to eligible. However, this is not shared in writing and MOHELA will not indicate when they will be updated to " eligible. '' I would like to formally request for my forced administrative forbearance to be reviewed and for these XXXX months to be updated to eligible for XXXX.
Consumer complaint received 2018-10-26
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. (MS)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft Bankruptcy chapter XXXX-dismissed XXXX, XXXX XXXX XXXX   XXXX
Consumer complaint received 2024-03-22
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. (PA)

Ok I have contacted all my creditors each of them saying there is not late payments on my credit report from them. None of them are reporting late payments. I have tried to call experian but I can't get through. I have written them but nothing happens. This is my second and last complaint before I take legal action against them. I want this fixed. Please remove the late payments that no one is reporting late.
Consumer complaint received 2024-02-08
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. (VA)

Please find attached, my Notice of Dispute and Request for Investigation of Billing ErrorValidation and Verification of Alleged Debt with XXXX. XXXX XXXX XXXX XXXX XXXX regarding the Alleged XXXX XXXX XXXX Account No. XXXX
Consumer complaint received 2023-02-07
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: EQUIFAX, INC. (CO)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-05-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: URS Holding, LLC (PA)

Alltran Finacial, LP keeps calling me. I never gave them my phone number or email address. They have my personal information & I never authorized them to have it or contact me. After I received several calls, emails, and confirmed by mail that debt is not mine they continuously harass me. They keep sending letters accusing me of owe-ing them money. Debt is not mine & I asked them to stop all communications.
Consumer complaint received 2023-05-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I look at my credit report and seen an account that is not mine its XXXX XXXX bank as a charge off as bad debt in which it does not belong to me it says status update XX/XX/2018 last payment XX/XX/2018 XXXX
Consumer complaint received 2023-02-21
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Credit Karma (MS)

On XX/XX/XXXX, I made a purchase over the phone from a company I found online for a transmission. The salesman promised to call back within 3 days with a tracking number. After a week I tried to call back. My number was blocked. My wife called and he said he would check it out and call her back. Never heard from him and her number got blocked. Credit card charge was from XXXX. We contacted XXXX auto parts and they had no record of our purchase and said we had apparently been victims of a scammer that was using their name and we werent the first ones to report it them. 

We reported the fraudulently purchase of {$860.00} to Credit Karma on XXXX XXXX They said we would receive a provisional credit within 10 business days. After 12 business days we called and they said the credit would air within a few hours. Today we have called and spoken to 6 different people who are all located in XXXX XXXX and will not even tell us if there is an active office in the US, who all said the dispute was resolved because they received overwhelming evidence from the vendor that the purchase was legitimate, but they refuse to provide us with the information of how they contacted the vendor, what the vendors legitimate business name is, a tracking number with proof that it was delivered to us or any information as you hope they reached their decision of denying our valid dispute.

We tried to contact the Credit Karma headquarters in bc XXXX, California, but the number posted is invalid. We have proof that the person is a scammer. How can we get our credit back from Credit Karma? They refuse to transfer us to a customer retention department or a supervisor and will not transfer us to the dispute department. At this point not only are we being scammed by a professional scam artist ( XXXX with phone number XXXX who calls himself XXXX XXXX from New York ), but we are also being scammed by Credit Karma.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (VA)

Please find attached, my Notice of Dispute and Request for Investigation of Billing ErrorValidation and Verification of Alleged Debt with XXXX. XXXX XXXX XXXX XXXX XXXX dated XX/XX/2024, regarding the Alleged XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I purchased tickets through XXXX XXXX. The original charge was for {$1200.00}. After the initial charge, XXXX charged my account for each ticket individually causing my account to go negative because the charges were done twice. Upon contacting CapitalOne I was told that there was nothing they could do to help me because some companies do that to protect their transactions. They told me I would have to wait until the pending transaction dropped off on its own. 

XXXX essentially double dipped and overdrew my account but MY bank can not do anything to protect my interest?