davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-29
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. (TN)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX, XXXX, XXXX, has violated my rights. 

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
Consumer complaint received 2023-06-29
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. (MI)

This is XXXX of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, MI XXXX XX/XX/2014 ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$420.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$1600.00}.
Consumer complaint received 2023-06-29
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)

This is XXXX of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : 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 2023-06-29
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. (GA)

The unverified items indicated below continue to report on my credit report despite several 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 do not 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-23
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (OH)

The company is harassing me and my family. We have tried to work with them and they will not give us any grace. They call over 5x a day and we told them we can not pay the amount they need and they continue to threaten to send us to collections. This is a horrible company and the loan that started out at XXXX is now well over XXXX. Terrible. And they have no grace for military members.
Consumer complaint received 2023-06-29
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. (NC)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items 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 listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XX/XX/XXXXXXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$4300.00} ; XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2023-07-10
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX Balance : {$10000.00}
Consumer complaint received 2023-06-29
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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX  XXXX Bankruptcy XXXX XXXX XXXX  Bankruptcy XXXX XXXX XXXX Bankruptcy XXXXXXXX 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 2024-04-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Between XXXX and XXXX I had an ATM card issued by Bank of America, to receive unemployment compensation due to COVID-19, between the years XXXX and XXXX I was coerced by members of the gang known as XXXX to make withdrawals and buy items with my debit card, and hand over the money and the goods to them, they had threatened my family and myself with XXXX  if I refused. I was afraid to go to the police while this was going on, and later I was afraid to dispute these transactions with Bank of America because they made it very clear I could never tell anyone or they would XXXX XXXX XXXX XXXX XXXX, those XXXX XXXX were arrested in XXXX, so I reached out to BofA in XXXX of XXXX to see if there was any way to get even a portion of my money back, the rep I spoke with said that I still the option to dispute the transactions, I gave her all the pertinent information, and she opened two claims : Claim Number : XXXX for the amount of {$8100.00} and Claim Number : XXXX for the amount of {$5200.00}, after a few days the bank returned about {$300.00} into my account, but not for the actual transactions, they were fees that I'd been charged they then notified me that they had resolved the claims against me, that I was in fact responsible for the transactions, I asked for the information that led them to that conclusion and to investigate, I never received any information, they investigated 3 more times, with the same results, so I gave up, it is not until now that someone mentioned the CFPB that I found out of this agency 's existence, otherwise I would have filed this complaint a long time ago.
Consumer complaint received 2023-06-22
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: EQUIFAX, INC. (PA)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove the following accounts from my credit report!XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-10-09
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ALLY FINANCIAL INC. (MD)

I have asked Ally Auto Financing back in XXXX then again in XXXX, XXXX and XXXX not to call my cell phone during the hours of XXXX to XXXX XXXX that it is an inconvenient time frame due to my cell phone is used for work purposes. They continually call during those hours and when I send it to voice mail they will call back approx. 6 to 10 minutes later. I do not dispute that I am behind on my loan, due to divorce and health issues along with the car being broken down and in the shop for about 2 months along with paying out for rental cars, but they have now gotten me in trouble at work I have had 2 verbal warnings and I can ' afford to loose my job. They will call me week day during the time frames that I asked them not to call and will call 2-3 times a day. the calls are coming from the West coast and I am on the East Coast. so far this month they have called me on XX/XX/18 at XXXX XXXX, XX/XX/2018 XXXX XXXX, XX/XX/2018 XXXX, XX/XX/2018 at XXXX, XX/XX/2018 at XXXX, XX/XX/2018 at XXXX and today XX/XX/2018 at XXXX and then again at XXXX XXXX. it was like this the whole month of XXXX, XXXX and XXXX. This is getting to the point where I'm getting ready to get terminated from my place of employment. I have finally had enough and want them to come get the vehicle so they will no longer harass me.
Consumer complaint received 2023-06-29
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. (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 2023-06-29
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. (MA)

My name is 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 2023-10-27
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (CO)

On XXXX and XX/XX/XXXX of XXXX I contacted Citi card rewards. The first time was chat and the secoind time was the phone. I get check mailed to me becaseu they can not seem to figure out how to deposit it to my checking account ( the same one I pay them with ). So now I get an error message that my address needs updating. They update it and get the same message- telling me they still can not send the check. Basically they give me no way to redeem but to apply it to my card balance. That is not the contract for rewards- it is CASH rewards. They are running a scam.
Consumer complaint received 2024-04-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Kikoff Inc. (TX)

To Whom It May Concern, I recently reviewed a copy of my consumer report from ( XXXX, XXXX, or XXXX ) and noticed some late payments posted on my consumer report for the following accounts : Account Number : XXXX Your company appears to be in clear violation of the law, pursuant to 15 USC 1681a 2 ( A ) ( i ) : - EXCLUSIONS - Except as provided in paragraph ( 3 ), the term " consumer report '' does not include subject to section 16815-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions between the consumer ( ME ) and the person ( YOU ) KIKOFF LENDING LLC making the report are not INCLUDED in my Consumer Report. 
A late payment constitutes transactional history, specifically MY HISTORY with your company. 
CONGRESS clearly states that the reporting of transactions or experiences between the CONSUMER and the PERSON making the report is not to be included on consumer reports.

YOU HAVE VIOLATED THE FCRA 15 USC 1681a 2 ( A ) ( i ) by reporting this transaction or experience on my consumer report, which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS.

You have 5 calendar days from the receipt of this letter to update my payment history and/or delete all late payments from the below account ( s ) : Account Number : XXXX
Consumer complaint received 2023-08-16
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: Experian Information Solutions Inc. (FL)

Experian deleted my credit score on or around XX/XX/23. This is about when my legal name change hit several of my trade lines. 

When I called them on XX/XX/23, Experian 's customer support confirmed that my credit score got split into 2 accounts, one of which has zero trade lines and no credit score. I have no access to the other account that presumably has my old trade lines. 

Experian has confirmed they have evidence of my legal name change. My open tradelines all have evidence of my legal name change and are up to date. 

As of XX/XX/23, Experian has not fixed the issue. They closed my dispute, but their documentation clearly shows I still have no XXXX XXXX. My Experian.com account continues to have the wrong name and no credit score. 

My XXXX XXXX credit report is correct and current with my score, tradelines, and name change. 

My XXXX credit report is mostly correct and current with my score and name change ; I am working with them to correct 2 trade lines and a minor misspelling. 

I have spoke to other people who have legally changed just their first names and they have experienced similar problems with Experian completely deleting their score. This is an ongoing problem with Experian and should be investigated on a class action scale, not just my account.
Consumer complaint received 2023-06-22
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. (NC)

how many times should I dispute this? I mailed the bureaus what they need and still I'm being ignored? I have unauthorized inquries and accounts that I want them to removed no proof that is beingsenttome.
Consumer complaint received 2023-06-29
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. (MA)

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 2023-02-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Bridgecrest Acceptance Corporation (FL)

I have moved from XXXX XXXX XXXX XXXX and informed Bridgecrest to transfer my title as I can not get tags without it. 

XX/XX/XXXX Called into Bridgecrest to get process on Title Transfer, spoke to agent id XXXX XX/XX/XXXX Emailed XXXX XXXX XXXX XXXX form to BridgeCrest as requested XX/XX/XXXX Called into BridgeCrest, spoke to agent id XXXX, and informed title still not processed XX/XX/XXXX Called into BridgeCrest, spoke to agent id XXXX, and informed title still not processed XX/XX/XXXX Called into BridgeCrest, spoke to agent id XXXX, and informed title still not processed I have bad tags on my vehicle and can be stopped and towed at any moment. They call for payments but have never called to try to resolve this
Consumer complaint received 2022-11-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

15 U.S. Code 1681b - Permissible purposes of consumer reports. Inquiries are not attached to an open account. On XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ran my credit without permission. 
On XX/XX/XXXX XXXX XXXX XXXX ran my credit without permission. On XX/XX/XXXX XXXX XXXX ran my credit without permission. I contacted XXXX, TRANSUNION, XXXX to get written validation of the inquiries. No documentation was provided. This has caused emotional distress and pain & suffering.
Consumer complaint received 2023-06-29
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. (PA)

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 ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2024-04-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Paypal Holdings, Inc (CA)

I bought a ticket for an event, from XXXX, using Pay in 4 option given, by PayPal. I got XXXX 2 days before the event, I messaged the organizer of the event, a few hours before the event. I told them the ticket will not be used, so I requested a refund. They still refused a refund. I informed them I would submit a claim with Paypal. I had proof I had XXXX, If they needed that to process the refund. I then submitted a claim with PayPal, due to having an account with them. I informed PayPal about the situation. They submitted the claim and PayPal found it in XXXXXX/XX/XXXX favor. They removed the money from my XX/XX/XXXXXXXX account, so debt was fully paid. I then went toXX/XX/XXXXXXXX ( third party ) and submitted two claims for the purchase amount. The first Pay in 4 Payment dispute for {$47.00} was found in my favor and the second dispute for remaining amount ALREADY paid for was for {$140.00} out of the total {$180.00}. The Bank found BOTH disputes in the consumer 's favor. A couple weeks later PayPal reversed the charge for the {$140.00} but did not for the remaining {$47.00}? This was for the to show I had never paid them. Now they are filing a charge back. Since the charge was returned to me, PayPal is filing a charge back claim to get the money back they had to pay XX/XX/XXXX XXXXXX/XX/XXXXXXXX confirmed this should have been settled with them so they couldn't do that. Now PayPal has restricted me from using Pay in 4 option and has also sent me to collections for this amount which doesn't make sense why the {$47.00} was completely disregarded when it was part of the debt to be paid. They had the chance to win the dispute againstXX/XX/XXXX XXXX but they failed to respond. Customer service representatives are also incompetent. Even a PayPal customer service representative confirmed I had no outstanding charges and my Payin4 account was in good standing per the screenshots of our chat conversation attached. Stay away from using ANY PayPal services! They do not care for their customers and do not act in good faith. They only care for corporate financial benefit.
Consumer complaint received 2023-06-29
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. (TN)

in accordance with the fair credit reporting act XXXX XXXX XXXX account XXXX XXXX, XXXX XXXX XXXX accounXXXX XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX  account XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  bankruptcy account XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX  account XXXX XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. states I have a 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