davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-05
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 is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 XXXXXXXX XXXX XXXX  {$630.00} XXXX XXXX XXXXXXXX XXXX XXXX {$220.00} XXXX XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX  {$2600.00} XXXX XXXX XXXX XXXX XXXX XXXX {$28000.00} XXXX XXXX XXXX XXXX XXXX XXXX  : {$5900.00} XXXXXXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXXXXXX XXXX XXXX {$220.00} XXXX XXXX XXXXXXXX XXXX XXXX {$2600.00} XXXX XXXX XXXX XXXX XXXX {$260.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX {$2600.00} 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 2023-06-05
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. (WI)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, XXXX, AND TRANSUNION CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$320.00} XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2023-06-05
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. (PA)

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 2023-01-10
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TD BANK US HOLDING COMPANY (CO)

I paid off my loan with TD Auto Finance at the end of XX/XX/XXXX and I have yet to receive the title for my vehicle. I reached out back in XX/XX/XXXX and they said they sent my title to a car dealership and I would have to contact the car dealership and have them send back the title. I reached out to the car dealership and they had no records of my title. I again called TD auto finance and they said they would have to send me a waiver of XXXX lease. After several weeks I had received nothing. I followed up once again and they said I would have to obtain a letter from the car dealership they claim they had sent the title to stating they had no interest in the vehicle. Fast forward a few more weeks and it is now XX/XX/XXXX and I don't have a title or a lien release waiver. After several months, several phone calls, and conversations with the dealership, I don't know what else to do to get my title.
Consumer complaint received 2023-06-05
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. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX 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 2017-07-14
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (FL)

I have two private loans that I received when attending XXXX XXXX XXXX XXXX. Loan # 1 was for {$5200.00} in XXXX and Loan # 2 was for {$2900.00} in XX/XX/XXXX. The terms of the loan was n't explained. I am in a variable rate that is continuing to increase and currently is above 14 %. I have been paying on these loans for 10 years ( since XX/XX/XXXX ) and still owe a balance greater than $ 20K. My monthly payments are {$200.00} of which {$150.00} is interest and {$100.00} of which {$76.00} is interest. Over 70 % of my payments is interest and I 'm unable to continue making these payments. It was advised that I would need to try to obtain a loan from a different company to payoff these loans if I want a lower interest rate but the loans would be extended out further than the current maturity date in XX/XX/XXXX which would result in my paying even more than I 'm expected to pay now. I am stuck in what appears to be a never ending cycle of paying off my student loan.
Consumer complaint received 2023-01-10
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. (TX)

I attended a school in XXXX XXXX Texas XXXXXXXX XXXX XXXX XXXX XXXX XXXX! I got my XXXX in graphic design, upon which completing they garaunteed career placement for life. I even spoke to the counselor before applying for XXXX $ in student loans!! They again assured me that before graduation I would already be placed in the field in the internship and then with payment. My internship ended due to them having no business I graduated with the highest gpa at the school national honors society. The counselor prints out the XXXX wanted adds for the day circles 3 positions making {$8.00} per hour or less and having nothing to do with the field of study lawn mowing and fast food!!!! Now Im a XXXX XXXX still and this school closed down shortly after now I still cant afford to pay this loan and survive with my XXXX  Please help!!
Consumer complaint received 2023-01-10
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)

Per the credit report, information has not been updated since XX/XX/2022. The balance on the account has dramatically decreased to {$1600.00}. This is in reference to the following account : XXXX XXXX. Account number begins with XXXX. The business has failed to follow the proper credit reporting cadence with updating information on a monthly basis. The major credit reporting repositories are providing outdated information from XXXX weeks ago.
Consumer complaint received 2023-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

Per the credit report, information has not been updated since XX/XX/2022. The balance on the account has dramatically decreased to {$1600.00}. This is in reference to the following account : XXXX XXXX. Account number begins with XXXX. The business has failed to follow the proper credit reporting cadence with updating information on a monthly basis. The major credit reporting repositories are providing outdated information from XXXX weeks ago.
Consumer complaint received 2023-01-10
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: EQUIFAX, INC. (OH)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate 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 items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted 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 2019-11-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (AP)

My debit card was stolen and used for the amount of XXXX and some change. When i realized that there was a charge i didnt make i went to the place of the charge and asked the manager if there was a debit card left there. He said someone did leave a card and showed me the card which was mine. So i took the card with me. i waited for the charges to post, because navy federal said i couldnt file a fraud complaint until they posted. The charges didnt post for about a week. Once they posted i filed the complaint. After i filed the complaint the bank credited my account for the amount that was unauthorized. Navy federal said that they deactivated my card on the XXXX of XXXX but i used that card to see if it was actually deactivated but it wasnt. So i used that card until i was able to get a replacement card on the XXXX of XXXX. I filed another complaint message to them about the charges because they said that since i used my card after the credit was issued that they would take that money back from me. They reviewed my claim and still insisted that there was no fraud. They took the money back on XX/XX/XXXX. I called to speak with the fraud department and talked to a woman that said there was no way for me to dipute their findings and it was permanent. I talked to a superviser and she said the same thing and said i should have claimed the fraud sooner and had my card shut off. I had gotten a message from them saying that it was and being me i tried the card to be sure it was. It wasnt shut off and i decided to use that card anyways because i cant just got get a new card in XXXX XXXX in the XXXX while im at work and the bank is closed by the time i get out. So i had to wait 2 days before i could get the replacement card.
Consumer complaint received 2022-10-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

On XX/XX/2022, I issued a XXXXXXXX XXXX  check in the amount of {$470.00} to a contractor for repairs to my deceased mother 's property which were required in order for the buyer to obtain his mortgage financing. The buyer likewise issued a similar check since we had agreed to share in this expense. 
The realtor took both checks and mailed them to the contractor at the outside mailbox at the XXXX XXXX, XXXX, post office. 
Both checks were stolen, altered, and cashed by a thief at the Bank of America on XX/XX/2022. 
When I became aware of the theft, I took the following actions : 1. Filed a fraud report with XXXX Bank, my bank. ( Claim No. XXXX ) 2. Filed a report with the XXXX XXXX, XXXX Police Department ( Report # XXXX ). 
3. Filed a report of the theft with the XXXX XXXX XXXX XXXX XXXX XXXX United States Postal Service ( Case # XXXX ). 
4. Sent a letter to the Bank of America requesting their assistance with the identification of the thief since the check was endorsed and marked " for deposit only '' and an account number is included on the back of the check. Neither the local bank nor the home office in XXXX, XXXX, would offer any assistance. ( XXXX XXXX. XXXX ) XXXX. Subsequently, I received a letter from the Bank of America in XXXX, XXXX, requesting that I telephone them for " additional clarification from me '' which they require. I attempted to call them as requested, but I never was able to speak to a person. Their automated answering machine kept asking me for an account number and password that I obviously do not have. 

The XXXX XXXX Police Department informed me that thefts from outside mailboxes are very common and that the United States Postal Service does not respond to police reports of these incidents or do anything to correct the problem. Consequently, all consumers should avoid using these outdoor mailboxes to send any checks. 

XXXX XXXX has informed me that until the Bank of America reimburses XXXX for the fraudulently cashed check, XXXXXXXX XXXX will not reimburse me. This incident is now almost XXXX months old, and neither Bank of America or XXXX XXXX has taken any effective action to correct this fraud.
Consumer complaint received 2024-04-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CT)

I filed a dispute # XXXX with Wells Fargo Im regards to 33 unauthorized charges totaling {$4300.00} on my debit card ending in XXXX from an online XXXX site. I believe someone used my card online to play but I was unaware of this. I filed on XX/XX/24 and heard nothing until XX/XX/24 when I was left a message by XXXX from Wells Fargo claims dept asking me to return her call to answer questions. I called back the same day and answered them. The next day I got 2 more voicemails from the same person asking me to call again for questions. I called back again on XX/XX/24 and was told that there was no record of me answering the questions but it was noted that I called the day before. So the person who I talked to on XX/XX/24 for at least 40 min and I answered all the questions with never updated it correctly so XXXX could see. So I answered them again on XX/XX/24 and was told it was being processed. Today on XX/XX/24 I get a message on my online account that the claim was denied because the charges were correct. This is absolutely ridiculous and this is {$4300.00} in charges that I had faith in this bank to handle correctly. There is no proof possible that I did these charges since I did not and I dont think it was even looked into besides asking me questions. One of the questions was if I had personal information on my phone stored which I said I did because I have passwords stored for online accounts. I think this may have been their reason for denying this and thats insane because I also stated that no one has access to my phone or computer. I am highly disappointed how this was handled. I got no temporary credit while this was supposed to be investigated and I can not pay my bills because of this. They waited until the XXXX business day after I filed to deny this so they didnt have to issue one. I am beyond upset at this point
Consumer complaint received 2017-05-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (AZ)

Twice I have tried to en roll in Auto Pay with Navient. For one, they do not allo w you to change the amount that you would like to auto pay. Second, they keep rejecting the auto pay submission because " Your loan is currently not in repayment and will not expire in the next 45 days. '' This is not true because I enter repayment on  XXXX / XXXX / 17 . Today is  XXXX / XXXX / 17 . Since they do not want to be cooperative in setting up easy repayment, I have decided I will pay these loans off by the end of this year. While setting up scheduled payments, they do not allow you to schedule payments more than 2 months in advance. This company makes it almost impossible to easily repay your loans. I feel like company is doing everything in their power to make as much interest off me as possible.
Consumer complaint received 2023-01-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NY)

On Monday, XX/XX/2023, I made a deposit of {$10000.00} into my Citibank account. I also activated a new debit card. When I attempted to purchase something online, my card was declined. I then received a fraud alert via text, asking me to call. I called, identified myself, verified that it was I who attempted the charges, but was then told my account would remain under review and be inaccessible to me for XXXX hours. No one at Citibank will tell me why. I XXXX or XXXX not hear from someone.
Consumer complaint received 2023-05-09
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. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : 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 2023-06-21
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. (TX)

I've found that my credit report has erroneous information for the second time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : 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 XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-06-05
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. (FL)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$13000.00} ; XXXX XXXXXXXX Balance : {$1400.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-18
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: EQUIFAX, INC. (IL)

This is my Follow-up 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 : XXXX XXXX XXXX XXXX XXXX  XXXX, WI XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX has not updated my name change sent four years ago. I was told they had the change on file and it was never processed about 6 months ago. I received a letter stating it would take 60 - 90 days for the name change to kick in. It has been 6 months and it is STILL the WRONG name! TransUnion and XXXX were ALSO sent documents and they have not processed a single thing. I have been dealing with this for XXXX years now, can anyone just do their job?
Consumer complaint received 2023-01-09
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: U.S. BANCORP (TN)

I have sent XXXX numerous requests to remove this fraudulent account from my credit report. US Bank is the one who was reporting this fraud account and as of XX/XX/2022, US Bank mailed me a letter stating that they are holding me responsible for the account but they have previously removed this from my credit reports. I sent copies to XXXX  by fax and by mail and they continue to report this account even though US Bank claims they have stopped reporting. XXXX continues to claim US Bank had verified this account belonging to me recently, but is not true since US Bank says they have previously stopped reporting. Please see attached documents as proof.