davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

RE : XXXX BLOCK REQUEST To whom it may concern, I am writing to advise that I am a XXXX XXXX XXXX The information listed below, that is currently listed on my credit report is a result of that XXXX Listed below are the Personal Information that are being challenged Employer - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Collections that are being challenged XXXXXXXX XXXX XXXX XXXX Listed below are the Public Records that are being challenged Federal - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX  IN PERSONS OR XXXX XXXXXXXX XXXX. IF THE CONSUMER HAS PROVIDED XXXX DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Consumer complaint received 2022-11-17
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 XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-12-04
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. (SC)

Delete Hard inquiries : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-21
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: Experian Information Solutions Inc. (MO)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The : following items need to be investigated and corrected for erroneous reporting in my file are listed 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 XXXX XXXX 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 2022-11-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other 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 2017-05-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America sent me a promotional mailing on  XXXX   XXXX ,  XXXX . It contains  two  promotional offers : " OFFER  1 : L OWER RATE 0 % ( 0 % Daily Periodic Rate ( DPR ) ) Promotional APR until  XXXX   XXXX .   Use Offer ID  XXXX , or use red check number  XXXX . '' " OFFER  2  : MORE TIME 1.99 % ( .005452 % Daily Periodic Rate ( DPR ) ) Promotional APR until  XXXX   XXXX    Use Offer ID  XXXX , or use blue check number  XXXX . '' I called in to Bank of America and mentioned Offer ID  XXXX  and I told them I 'd like to make use of the 0 % APR until  XXXX   XXXX  ( " Offer  1 ' ' ). The customer service agent declined to extend my 0 % APR period on card purchases, stating that the offers only applied to balance transfers. I replied saying that the offers do not mention balance transfers or any such restriction, and if the offer  ( s  ) were indeed limited to balance transfers, that should be clearly stated in the offer  ( s  ). The agent again denied my request to utilize the 0 % APR offer.
Consumer complaint received 2022-11-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (MI)

Friday XX/XX/XXXX I didnt make a transaction with XXXX they took {$280.00} in my bank. So I file dispute with chime they told me will give money back then process investigation then this morning I got denied and was told Im not getting my money back. I need my money back that I didnt ask them to take my money from my chime card.
Consumer complaint received 2023-05-31
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. (AR)

n accordance with the Fair Credit Reporting act XXXX has violated my rights. 

Account name : XXXX XXXX Account number : XXXX Account name : XXXX  XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX  XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX  XXXX XXXX Account number : 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 2023-06-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (IL)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem.
Consumer complaint received 2023-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NY)

I did not authorize anyone employed by the companies listed below to make an inquiry and view my credit report. These companies have violated the Fair Credit Reporting Act Section 1681b ( c ). Such companies are not legally entitled to make the inquiry. I have a credit freeze. This is a serious breach of my privacy rights. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.
Consumer complaint received 2017-05-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC (WA)

I received a letter in the mail from Transworld systems inc regarding a debt collection on a traffic ticket from XX/XX/XXXX. The lady was really helpful and offered a dispute for 30 days and also made me aware of 2 other outstanding tickets from XX/XX/XXXX that their sister company XXXX XXXX was handling. I asked for the information and details about that matter. After getting off the phone with Transworld I called XXXX XXXX  and spoke to this lady about this matter. She told me that maybe my case would affect my credit score and I told her that I felt like I had paid this account in full. She said no sir you have n't and asked my how much I was willing to pay right then there. I then asked why I was n't notified of these accounts until now ( 6 years later ). So I asked if there was a manager or supervisor I can speak to or was it a pay or pay  situation and she said yes you have to pay. So my deal is that they waited all this time and the interest that accrued is just insane ( original amount given to Transworld {$330.00}, amount owed now {$620.00} ) and XXXX XXXX original amount {$520.00} to {$820.00} now. It 's not fair that they did n't contact me and now I supposedly more than twice the original amount and I do n't have receipts or anything it 's been so long.
Consumer complaint received 2017-05-12
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: TFC Group, LLC (CA)

I have a title loan on my car. I fell behind in payments and the car was repossessed. I got the money to come current on my loan and get the car back. Trading Financial called a week later XXXX XXXX XXXX ) asking for the " next payment ''. I told the collector I just got the car back and I would n't be able to pay anything until the XXXX of XXXX. The collector agreed to the arrangement. 7 days later XXXX XXXX XXXX ) I got a call from a different collector who said she saw the notes on the account but the XXXX was too far in the future. I told her it was impossible for me to alter the arrangement because I would literally have no money until then. She said " ok, but collection activity would continue ''. I asked her to elaborate but she just repeated the statement and we ended the call. 6 days later ( Thursday the XXXX ) I got a call from a gentlemen repeating the demand for payment and I told him there was no way I could give anything until the XXXX as I spent everything to get the car back. After several questions by the collector I stated there was nothing I could do beyond what I had already agreed to. The next day ( Friday the XXXX ) I got a call from the same gentleman asking the same questions and asking if I could pay something. I repeated my arrangement and asked if they were going to call every day. He said " the collection activity will continue '' and " I 'll follow up with you Monday ''.
Consumer complaint received 2017-05-12
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. (LA)

I am in a " rate-reduction '' program with Navient. At a whopping $  XXXX  nearly all of this goes toward interest because  XXXX  loans are at alarming rates up to 14 %. I borrowed a total of  XXXX  private loans while attending chiropractic school. I graduated   XXXX   XXXX   in  XXXX  of   XXXX   and over the course of the la st 7 1/2 yea rs my loan balance has INCREASED not at all decreased. I actually owe {$13000.00} MORE than what I borrowed at the end of   XXXX  . It has come to a point where my husband and I are struggling to make this payment as we have experienced a loss at our private practice due to the massive flooding that swept  XXXX  last  XXXX . Navient is no help. The call center representatives are not only rude and dismissive but undeniably unhelpful.
Consumer complaint received 2017-04-01
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (MD)

Navient fails to give me the best options for repayment on my private loans. I have told them numerous times that I can not pay such a high repayment and many times I have been given different estimates for repayment or no option for repayment, but just an amount for the month to keep my loans in good standing. More so, the employees have been very rude and telling me there is nothing they can do for me. They contact my co-signer at all times and they have only co-signed on one loan. Futhermore, they would like their bank statements in order for me to enroll into a rate reduction plan when I was informed by a manager that the loan the co-signer signed on was not apart of the rate reduction plan. Navient does not communicate well and does not give the best options for private student loans.
Consumer complaint received 2023-02-19
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. (FL)

I acquired my credit report and asked the credit bureaus to check and make sure that everything was accurate and complete according to 15 USC 1681i ( 5 ) I have waited more than 30days and received my investigation and Ive notice everything was still the same. The consumer reporting agency which is experian did not remove or modify anything. 
The date open is not correct, date last active is not correct on all three credit reports, date of last payment is not correct on all three reports Which is a violation. This is really impacting me from buying a house for my family and a purchasing a vehicle. I am emotionally distressed and depressed from this matter. 

Ive attached my previous credit report and my new credit report to show how experian violated my rights.
Consumer complaint received 2023-08-02
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)

I sent in my police report and my FTC affidavit to the three XXXX, Trans Union and XXXX to report fraudulent. I sent multiple dispute and had multiple phone calls with the fraud department who asked me to send in my fraud package. After sending to them fraud package they have not replied to anything they have not responded and keep showing fraudulent account .his notice is to inform you that you unlawfully reported fraudulent accounts. I have provided you a copy of my Police report a copy of my FTC affidavit that was provided to me from Federal Trade Common. I have followed every step I was told to do by your agency and by the Police department. Please delete and Block this fraudulent account, address of my credit report. the fraudulent information and account and inquires that are in question are as follows XXXX XXXXXXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX fraudulent inquiriesXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX fraudulent addresses XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX this is fraudulent and needs to be delete immediately. You have caused me great damage and embarrassment also with emotional distress and I was wrongly denied credit, housing and a job due to this fraud and your fraudulent reporting. Please be advised I will use this complaint and all the disputes in court.
Consumer complaint received 2023-08-02
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)

I am writing to dispute an unwarranted student loan that has been reported on my credit report to my knowledge since XX/XX/2020. I have been disputing this since 2020 to no avail. I feel defeated and helpless at this point. 

I am appalled that XXXX/Dept of Ed and XXXX XXXXXXXX XXXX XXXX XXXX has continuously reported inaccurate information on my credit report causing damage to my lively hood, preventing me from purchasing a home, a higher interest rate, and credit denial. XXXX XXXX XXXX and XXXX XXXXXXXX XXXXDept of Ed has failed to mark my credit report disputed, failed to respond in the allotted time, and failed to provide my signature violating the debt. I have also attempted to dispute this with Transunion, XXXX, and XXXX who also did not provide any of the requested information per the guidelines of the FCRA. Therefore the Item in question should have been removed, not to mention it doesn't belong to me. I have kept careful records of all records pertaining to this matter. 

I want the debt to be fully removed from my credit report. I am also asking XXXXDept of Ed to compensate me the amount of {$5000.00} for violating the FCRA as well as punitive damages.
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect Name : XXXX XXXX XXXX XXXX Incorrect DOB : XXXX XXXX Employer - XXXX XXXX XXXX Listed below are the Accounts that are being challenged XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXXXXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Consumer complaint received 2023-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Armed Forces Loans of Nevada Inc. (FL)

I am filing this complaint on my own behalf. After reviewing my credit record, I came across late payments that are erroneous. Despite sending letters more than 30 days ago, I have not received any response, nor have they provided satisfactory validation. I kindly seek your assistance in resolving this matter promptly.
Consumer complaint received 2023-08-02
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. (VA)

This company is in violation of federal law reporting accounts that do not belong to me and that were opened fraudulently I have filed a police report sent in the copies of that report and a identity theft report copy company is to violation accounts include XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  /XXXX  XXXX, XXXX XXXX XXXX XXXX these accounts are fraud and I will be taking legal action against this company for violating my rights
Consumer complaint received 2022-11-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TRUIST FINANCIAL CORPORATION (FL)

saw XXXX  charge in pending transactions. Was told could not challenge until posted. 
Called back when posted. Was deleted than reposted XXXX times. Reposted again then charged late fee for non payment plus interest.
Consumer complaint received 2022-11-17
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. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX DEAR XXXX XXXX, XXXX XXXX XXXX XXXX have written this letter to dispute a claim that is falsely listed on my consumer report with your company. the amount ( s ) owed are no longer outstanding for the following item : Party Owed : XXXX XXXX XXXX AMOUNT : {$940.00} ACCT # XXXX I am disputing this claim due to : I HAVE NO KNOWLEDGE OF A WRITTEN AGREEMENT BETWEEN MYSELF AND SUNRISE CREDIT SERVICES. SOMEONE USED MY INFORMATION FOR THEIR PERSONAL GAIN. THIS ACCOUNT IS FRAUDULENT AND I AM REQUESTING THIS ACCOUNT BE DELETED FROM MY CREDIT FILE IMMEDIATELY. 
This is my official request to have the aforementioned item to be deleted from my consumer report. Enclosed may be additional evidence to support my claim. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-11-17
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: CAPITAL ONE FINANCIAL CORPORATION (AL)

This is to bring to your notice that my credit report shows an inquiry from your company, which I do not understand. As far as I know you are not permitted to inquire about any of my debt amounts without my authorization. 

The presence of such items on my credit report is likely to affect my credit worthiness and hamper my chances of acquiring new credit. Therefore, I request that you remove this inquiry from my credit report immediately.