davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-14
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

TransUnion had  XXXX  separate glitches and my inquiries were deleted and then re-added to your report once the glitch was discovered. I 'm well aware of your legal rights and legal protections and that they failed to notify me in writing 5 days prior to re-adding the inquiries to my report that they were intending to do so. I contacted TransUnion in good faith to ask them to delete the inquiries that they had illegally re-added. These inquiries add a hardship and that my rights were violated by TransUnion. CFPB help me make TransUnion stop victimizing me.
Consumer complaint received 2023-06-14
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. (MD)

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.
Consumer complaint received 2023-05-25
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. (NV)

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 EXPERIAN, XXXX, AND XXXX 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 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 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 2023-05-25
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 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 2023-06-01
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. (GA)

Department of Education has approved my student loans to be discharged. Equifax refuses to remove the account after I have submitted supporting documents indicating the account should be removed due to my college committing fraud.
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (TX)

I am extremely unhappy with the credit monitoring service and have been trying to cancel my free trial without success. I was charged {$27.00} today on the XXXX of XX/XX/year>. The company will not let me cancel my subscription, even though I repeatedly tried following the steps listed on their own website. For example, when I try to click on change membership button to downgrade from premium membership back to free, it brings me to a different link where it tries to get me to buy an even more expensive family plan. Ive filed a complaint directly with the company but have not yet heard back. After researching this company further it seems they have a lot of other complaints against the lack of transparency with cancelling- this is an extremely deceptive practice and they should be ashamed. This is not the right way to do business and I intend to report them to XXXX  and also report this to my credit card company.
Consumer complaint received 2023-01-04
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)

At some point this has to stop. Im a hard working individual thats working and trying to take card of my debt in order to buy a house. And under 15 USC 1681 I have right that gets over look by these companies over and over again and this is where it stops.

XXXX, trans Union, and XXXX  are all govern by 15 USC 1681. And theyve repeatedly violated my rights numerous of times. I demand for these accounts to be remove listed below, because according to 15 USC 1681 section 602 ( A ) I have the right to privacy and I have not given again XXXX, Trans Union, or XXXX and written permission to furnish these accounts. 

I have also went over all of my credit report again with all 3 companies, and the information is still inaccurate I will not be going over it again. I will be seeking payment and have proof that the information with all 3 companies are completely different. 


XXXX XXXX : XXXX XXXX  XXXX : XXXX
Consumer complaint received 2023-06-01
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. (FL)

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for ( XX/XX/2022 & XX/XX/2022 ). Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXX XXXX : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Consumer complaint received 2023-04-09
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. (NY)

In accordance with the Fair Credit Report Act XXXX XXXX, USDOE/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 an account without my written instructions.

I have never been applied for a US Education loan ; I need this account to be investigated and removed from my credit reports.
Consumer complaint received 2023-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I sent a letter along with a copy of my official CA ID on XX/XX/2023 ( certified ) to the following credit bureaus requesting for them to update my report with the correct name/address provided and to remove all others for fraud purposes : XXXX : XXXX XXXX : XXXX TransUnion : XXXX It is a month later, and all bureaus have failed to adhere to the FCRA in regards to my rights as a consumer.
Consumer complaint received 2023-06-01
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. (CT)

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 2017-03-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC (PA)

We got into a XXXX loan, and applied with SLS for a workout. For 2 years, we provided all documents. SLS assured us, there would be no problem, but ended up taking our home, by even deceiving our attorney until after the Sheriff 's sale and the 10 day rite of recision, at which time, they contacted her to say it was too late. 
They ignored a COURT ORDER to provide a workout to us, and basically ignored all that we sent for TWO YEARS.
Consumer complaint received 2023-02-27
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: Experian Information Solutions Inc. (PA)

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.
Consumer complaint received 2016-04-14
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Global Recovery Solutions (IL)

Company stated number on caller ID was a 3rd party tracker process server. Refused to provide company name when calling, when requested, or when contacted by phone. Stated Company Name was " Global, that 's it ''. They stated they owned the dept and called XXXX.
Consumer complaint received 2023-04-09
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

On XXXX/XXXX/2023, I submitted complaint XXXX. On XXXX/XXXX/2023 Transunion acknowledged that it was received and that they would respond. This is regarding a bankruptcy that was disputed with their third party verifier. Once again, similar to the previous complaint, within 2 days of submission of this CFPB complaint, Transunion has supposedly verified this erroneous listing despite being sent documentation that they are ignoring. I did not ask for another 24 hour investigation, I asked that this documentation be reviewed and removed for inaccuracy. Tranunion has not responded to complaint XXXX and instead continue to automate responses.
Consumer complaint received 2017-05-17
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. (FL)

Hello, I se nt four  payments for {$1000.00} each to Navient for repayment of student loans. They cashed all four checks between  XXXX  and  XXXX . They have all been cleared from my account. However, they only applied  2 payments to my account. I have called approximately 30 tim es attempting to have my money either applied or returned. After approx.  15 phone calls they refunded my one ch eck ( after about 3 month s ) an d have not returned the other check. I have called multiple times and they always say its " being processed '' well it has been several more months and no check. I have spent at  least 45 min utes - one hour every time I have had to call. I uploaded all of my bank statements onto their website proving they cashed all  4  checks. They always insist the check is on the way etc.
Consumer complaint received 2022-11-05
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

I got a XXXX XXXX card in the mail, it had a offer in it to get {$300.00} or {$600.00} to open a new savings and or checking account, according to the branch the account was opened at.I went to the branch in person to open the account, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I thought they would be able to do their own offer with out a issue. I opened a savings account, made the deposits as required and got nothing. I called XXXX on XX/XX/2022 XXXX XXXX  the customer service line transferred me to 3 people, the last lady a supervisor said their was nothing she could do, since the error happened in a branch, it needed to be taken care of in that same branch. XX/XX/2022 XXXX XXXX  XXXX XXXX XXXX upon contacting that branch, I spoke to a vary nice lady XXXX, who said she would contact the back end and get right back to me later that day, that was 5 days ago, I called 2 more times and left messages but she never returned my call. so now I will file a complaint with the cfpb, but have zero confidence in it being resolved at this point, so I am also planning on closing the account as well. I was planning on opening the checking account as well to get the other {$300.00}, but that is not going to happen, after they made a mess over trying to honor their own offer. this complaint is for https : //www.citizensbank.com/customer-service/contact-us.aspx
Consumer complaint received 2023-06-01
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. (NJ)

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 2023-06-01
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. (TN)

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 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 2023-06-01
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. (FL)

I reviewed my Consumer Reports and noticed that I allegedly had one late payment ( XX/XX/22 ) on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. 
Thanks You
Consumer complaint received 2015-11-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called after sent written cease of comm
Company: Southwest Credit Systems, L.P. (FL)

In addition to contacting me after being notified to cease and desist communication, XXXX XXXX XXXX through their alleged agent SouthWest Credit contacted my cell phone on several occasion. XXXX XXXX XXXX has never had authorization to contact me on my cell phone. 
Additionally, this debt was disputed in XXXX of 2015. IN response, the previous agent for XXXX XXXX XXXX sent a few bills, but did not send the requested phone logs which will confirm cancellation of this account prior to the additional bills which were not authorized. 
Furthermore, in XXXX, 2015 in response to a new validation of debt letter sent by SouthWest Credit, no documents were sent and Southwest credit has unlawfully reported mt to the credit bureau in violation of the FDCPA. At this time I am in the process of purchasing a house and this defamation and slander of my credit will certainly adversely affect my ability to do so. If I actually owed the {$280.00} they are alleging, I would pay it instead of going down this route.
Consumer complaint received 2023-04-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

i have received my credit reports today and worried to see that so many negative accounts are reporting on my credit report. I tried to contact transUnion, XXXX and XXXX through disputes to investigate my disputed accounts which are wrongly reporting on my credit report but they did not investigated well, neither they send me back investigation results. i am requesting through your portal to please forward my disputes to them as ask them to start their investigation.
Consumer complaint received 2017-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

After the XXXX breach I am trying to place a freeze on my credit as my information has been compromised. I am unable to place a freeze as the site keeps crashing for all credit reporting agencies and I also can not obtain a current credit report due to the same issue. If my identity is stolen in the time that I am continually unable to reach the very company that allowed it to happen then I will be the one punished not the company and it I am not interested in having my finances disrupted with my XXXX XXXX  on the way.
Consumer complaint received 2023-04-09
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. (FL)

I wrote a letter to XXXX XXXX XXXX requesting a copy of the agreement that I allegedly signed giving them permission to report my information to the credit reporting agencies XXXX, TransUnion, XXXX and XXXX with my signature wet or electronic. I was sent two letters back reflecting both of the accounts that I had with them. XXXX XXXX XXXX responded back with two letters stating that they do NOT keep copies of contracts/ application more than 25 months and electronically which would prove that I did/did not give permission to furnish my information to the credit reporting agencies or agree that I have the right to OPT in or OPT out. I called XXXX XXXX  on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and advised XXXX XXXX XXXX since they were not able to show proof that the alleged original contract between myself and there company exists and that I was not given the legal right to OPT out of having my information furnished to all credit reporting agencies. I am legal given they opportunity to opt in or out of have my information furnished according FCRA. I have demanded on several occasions to delete the two accounts from All credit reporting agencies. They refuse. I have also called XXXX, XXXX, TransUnion, and XXXX to remove the accounts and was met with lies and was hung up on even though I was nice and polite.
Consumer complaint received 2023-02-02
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. (TX)

In accordance with the Fair Credit Reporting act. The accounts below have violated my federally protected rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX 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 2017-04-09
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (FL)

I have been making automatic re-payments to XXXX loan held by Navient ( XXXX XXXX ) since early XX/XX/2014 on an agreed day between myself and a representative from the company, all of which have been reported as late payments to the credit bureau. I would also like to report that XXXX/Navient has not been sending the requested monthly paper records, documenting my continued payments as per our agreement. I have tried to reach out to them but as usual their over the phone personal have maintained a hostile manner.
Consumer complaint received 2023-03-02
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. (PA)

In accordance with the Fair Credit Reporting Act, 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 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 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 : States a consumer reporting agency can not furnish an account without my written instruction.