davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-26
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (OH)

XXXX Navient private loan is asking for the same amount every month on my private loan which should be substantially less asking for. It should emulate less then the original since I paid a majority of it off. They are asking {$55.00} with no reduction in asking price. I have over 50 accounts and me putting this loan at top is rediculous and its not handled properly. 
Also, I gave this company checks that it has cashed but not put towards the balance. This is fraud since you are taking money that is not yours and asking for even more money. I have already pulled the checks so I know 100 % I am correct. You printed wrong number on checks as well. You reported me to credit reporting and my legal team is currently reviewing data since this is absurd. 
Furthermore, the rep told me second to last I owed XXXX and now they said its XXXX $ I paid XXXX XX/XX/23. We should less then a XXXX. My bank even seen checks cashed that amount isnt put toward balance.
Consumer complaint received 2022-11-30
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 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 these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$16000.00}, XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$1000.00}.
Consumer complaint received 2022-11-30
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. (IN)

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. 

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 XXXX XXXX XXXX XXXXXXXX, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (NC)

PayPal has decided my account is at risk. So, they have decided to part ways with me while they hold my money hostage for 180 days. I am XXXX and live on a limited fixed income. A PayPal rep said she cant find out why. She put me through to her supervisor and she hung up on me. This is just wrong because I didnt do anything to warrant such. I use their service for XXXX and refunds, rebates offers. Thats it. I need to know why I am being treated this way. Maybe, if I identify as XXXX or some XXXX XXXX, I will get help from them. Such a disgusting, disgraceful so-called American company.
Consumer complaint received 2024-03-27
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. (CA)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions.

I insist on the removal of all utilization data from the mentioned accounts.

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts.

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2022-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

IVE RECENTLY CHECKED MY CREDIT REPORT & FOUND SOME UNAUTHORIZED CREDIT CARDS, UTILITY, AND COLLECTION ACCOUNTS AS WELL AS ADDRESSES, WHICH IS CAUSING ME A LOT OF STRESS ITS SO FRUSTRATING & ITS NOT FAIR TO ME BECAUSE I AM IN THE PROCESS OF GETTING MY HOME I DO NOT RECALL NOR AUTHORIZED ANYONE TO APPLY FOR THIS AND THIS IS HOLDING ME BACK, PLEASE GET THIS REMOVED & RESOLVED ASAP.
Consumer complaint received 2017-07-18
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: Experian Information Solutions Inc. (AL)

I am in the process of trying to build a home. I was denied and I could n't understand why however, when I pulled my credit report I understood why. I was really so upset that so many accounts were reporting on my credit report that I had no knowledge of. I did contact the creditors but they would not do anything but try and make me pay for debt that was not mine. I have written letters and still nothing has been done. Please help me. The following accounts are on my report and are not mine.   XXXX   XXXX   XXXX   This is an account that I have no knowledge of and it is not my debt! There are  XXXX  US Department of Education on my credit report. These are not my accounts and I have no knowledge of these accounts.   XXXX   is also reporting  XXXX . These are not my accounts. I work very hard to pay my debt however I refuse to pay a debt that does not belong to me. Please help me! This is a type of fraud that these creditors continue to report this false information.
Consumer complaint received 2023-02-03
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. (IN)

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. 

XXXXXXXX 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 the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-04-28
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: Innovis (OH)

I was a victim of fraud and I am requesting a security freeze on my credit file. The following address are not accurate please delete : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WV XXXX XXXX XXXX CT, XXXX, NY XXXX XXXX XXXX  XXXX, XXXX, NY XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, WV XXXX XXXX XXXX XXXX XXXX XXXX, WV XXXX Please delete the following cellphone numbers ( XXXX ) XXXX ( XXXX ) XXXX they are number mine.
Consumer complaint received 2022-11-30
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. (LA)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the XXXX credit bureaus, but I never received a response. 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. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-30
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. (AZ)

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 Equifax 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 erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX
Consumer complaint received 2023-02-03
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. (IN)

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  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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-05-17
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. (CA)

1 ) I have several pages of inquiries in which NONE of them belong to me. I also had my identity stolen about a year ago so that could have played aboard.
2 )   addresses are in correct. Onl y  XXXX  that sho uld be on file is  XXXX   XXXX   XXXX  #  XXXX   XXXX   XXXX  ca  XXXX .    3 ) employers are incorrect only   XXXX   that should be on their is   XXXX   XXXX   XXXX   XXXX
Consumer complaint received 2023-05-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Credit Karma (PA)

On XX/XX/XXXX I filed a dispute with credit karma in relation to unauthorizes charges on my money spend account. I noticed these charges were made while i was hospitalized and also at merchants Ive never done business with in XXXX XXXX. I immediately changed my pin and cancelled the card i had. I was told an investigation would be done and wait 10 days for results. The total amount was about {$1100.00} in totality. I was hospitalized on the dates in question and I do think my son made these charges. He may have had access without my consent, to my wallet, phone, debit cards etc. but he didnt know the pin. 
I also filed a report with the local police department. On XX/XX/XXXX Credit Karma returned {$200.00} of the total amount, but told me the other amounts were unsuccessful in dispute. I have asked for escelation in this matter since XX/XX/29. No one has contacted me by email, mail, phone or via the credit karma app. This is ridiculous! How can one charge be disputed successfully, but the others not. These charges weremade without my knowledge or consent. Credit Karma has not followed XXXX with me, offered me a provisional credit or anything
Consumer complaint received 2024-04-23
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (TX)

I requested validation and verification of alleged debt from 3rd party debt collecting agency. Verification of debt can only be performed by myself and myself only, provided proper documents purchased from the original creditor of the account that I allegedly owe said debt to that must include my wet signature. I am the only person who can property verify such documents. I have not received any documents whatsoever and my credit report has been updated with new remark verified. This account should be removed from all reports and scores, and all phone contact must cease and desist until said account is in fact verified by myself only.
Consumer complaint received 2024-04-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FISERV INC. (TX)

TRS Recovery Services XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, GA XXXX is trying to oblige me to pay a debt or a fraud incurred by a XXXX in XXXX Texas hours and hours away from my home in XXXX Texas. On the face of it, it appears to be identity theft used to commit check fraud. The problem is that the account used to write the check is not in my name and the driver 's license number used on the check is not mine. I have received no notifications that someone has opened an account in my name and I see no new notifications of suspicious activity around my credit. There is nothing new on my credit report indicating that something is going on. The only part of my identification being used is my name and address. These are readily available in public records. The amount of the transaction made with the bad check was for {$100.00} to which has been added {$32.00} in fees. I replied to their notice to acknowledge that I received it and provided a letter calling into question the basis for their claim. They followed up with a letter stating that my request for validation is resolved and within two weeks they sent me a second notice.
Consumer complaint received 2023-05-26
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC (NY)

This Maryland number has been calling me repetitively. They did not leave a message, but when I hid my number and called it back, the message said that it was Transworld Services Inc. I, in fact, do not owe any delinquent debts. A cease and desist letter will be sent, and if an attempt to collect any debt will be pursued vigorously. I am an attorney and will not stand for this.
Consumer complaint received 2020-04-28
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. (LA)

Almost two months ago my XXXX Credit Card balance was higher than its ever been and I immediately paid it down, almost to zero. To THIS DAY, the card company, XXXX, and Equifax will not report it as decreased so my score will go up BUT THEY SURE AS XXXX MADE MY SCORE DROP 62 points when I used my card!! UNBELIEVALBLE
Consumer complaint received 2023-02-28
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I was departing my mother house and fell asleep in the train station and woke up and could find my book bag with wallet phone tablet, information of banking and a pre approval letter for a car at and more XXXX.
Consumer complaint received 2022-11-30
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. (IN)

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. 

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 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-04-28
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: Experian Information Solutions Inc. (IL)

This account makes no sense at all if it's charged off why are you still reporting what day was the last activity is not stating any information that's important to give them the right to constantly be reporting whenever they feel is fit. 
XXXX XXXX XXXX {$3800.00} Paid, closed 47 charge-offs Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XXXX XXXX, XXXX Account type Secured Loan Balance Loan Amount {$3800.00} {$1700.00} Payment Info Status Charge-off Updated on XX/XX/XXXX Past due amount {$3800.00} Original loan amount {$1700.00} Monthly payment - Late payments XXXX  XXXX XX/XX/XXXX XX/XX/XXXX View more You've made 93 % of your payments on time for this account. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX N N N N XXXX N N N N N N N N N N N XXXX N N N N N N N N N N N N XXXX  N N N N N N N N N N N N XXXX 30 60 90 120 N N N N N N N N 120+ Days Late 30 Days Late 60 Days Late N Negative 90 Days Late Data Unavailable Additional info Responsibility Individual Terms 26 Months  Company sold - Original creditor - Comments Affected by natural disaster Your statements - Contact XXXX XXXX XXXX XXXX XXXX , IL XXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail.
Consumer complaint received 2024-06-27
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Negative impact of inaccurate appraisal
Company: E Mortgage Capital, Inc. (IL)

A text was given XX/XX/year> at XXXX to someone who I no longer associate with and have not spoken to in over 10 months of all my information about a new loan, with potential rates and options. I did not give this phone number out and the message was addressed to myself but the wrong phone number was sent this information. I never received a message from this company, and never worked with them, and was never given this information prior. I have since tried calling the individual who sent this information, but was left on voicemail, still waiting a callback.
Consumer complaint received 2017-07-18
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. (GA)

I disputed this a number of times, directly with the debt collector and Transunion. I can not get even a basic statement of my account prior to the sale to   XXXX   XXXX   XXXX   from the original lender, nevermind any of the other things requested.
The dispute is with   XXXX   XXXX   XXXX   XXXX   (   XXXX   ), via   XXXX   XXXX  , and Transunion. The latest dispute with Transunion was dispute   XXXX    opened via   XXXX   XXXX   on  XX/XX/XXXX and disputed again on the XX/XX/XXXX . The amount in question being {$1000.00}. The date and amount are in dispute. I would like to bring your attention to the following : a ) The amount that   XXXX   is attempting to recover is not correct. I specifically requested proof of the transactions from   XXXX    including the amounts that constitute this debt and the interest that was charged. No proof was provided by  XXXX  ; b ) The dates of the transactions and therefore the age of the debt. I specifically requested proof of the dates that   XXXX   asserts these transactions occurred, and when any payments were made. No proof was provided by  XXXX .
c ) I specifically requested proof of ownership of the debt from   XXXX   and that they were the final holder of this debt. No proof was provided by  XXXX .
d ) I specifically requested a copy of the signed legal contract that this debt was originated under. No legally binding contract was provided by  XXXX .
e )   XXXX   themselves state in their response to me the seller provided an electronic file of its business records, while providing no further evidence.