davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The 3 major credit bureaus have reported inaccurate things on my credit report. For example investigate each collection and the columns that are tracked. Wouldnt you agree that every column for each collection should have the same information if it is accurate for all 3. Also dont you agree if one major credit bureau out of the three takes something off your credit the others should at least reach out to the consumer asking if it should be removed. But no credit bureau has done so, and did not get my consent to put anything on my credit report. I also know for each error on my credit report that is inaccurate I should be granted {$1000.00} in reimbursement.
Consumer complaint received 2017-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (NY)

I consolidated my Federal Student Loans with XXXX in XXXX 2016, but Navient is still currently showing that I still have a Federal Student Loans with them - the 3 accounts are opened, showing the 3 accounts with a balance, showing that my payments have been deferred - in good standings, and that I still owe them. 

I have been contacting Navient both verbally and in writing about correcting this information. Navient is no longer the agencies for my Student Loans, the accounts have been paid in full to Navient, the accounts should be closed - show a XXXX balance. But they have yet to do so.
Consumer complaint received 2023-06-19
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)

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 2023-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-01-24
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. (GA)

I asked the credit bureaus to do a verification for all items on my credit report, and they did. They stated that everything was accurate. 

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Georgia XXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world
Consumer complaint received 2023-06-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

There is an address on my credit report that I have never seen before in my life. I am a lifelong resident of Louisiana and this address is in MD. I have no idea who it belongs to or why it is on my credit report. I have disputed with the 3 credit bureaus but it still hasn't been removed. I have placed a freeze on my account. It appears to have been on there for years ; I also disputed several derogatory collections tied to this fraudulent address but the bureaus have not removed it. I sent in my license to correct it but nothing has been done.
Consumer complaint received 2017-01-31
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (TX)

I applied for and was approved for the Making Home Affordable Modification and was assigned a single point of contact. I madd mt trial payments as required andcwas told I had turned in all documents. I followed up on XXXX and was advised I was set on my plan and was good on my modification. I received a call XXXX XXXX advising I was removed from my modification due to not returning the signed trial document from XXXX which I was never informed of. This is poor communication and misinformation as I was given confirmation I had completed all required steps to compjete the trial. I was then told I was no longer eligible for MHA as it was no longer offered and I would have to restart the process. This is negligent and criminal in my opinion.
Consumer complaint received 2023-01-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I received a new alert from XXXX today that i have a new address added to my account, the address is " XXXX XXXX, CA XXXX ''. And I don't recognize this address. Then i login to XXXX account to see my credit card record and found out there was a " Bank of America '' credit card added to my account since XX/XX/2019, which I didn't authorize. Please remove it this record from my credit report.
Consumer complaint received 2023-06-17
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. (MO)

I'm a victim of identity theft and however, this is affecting me with my goals and my XXXX XXXX. Theirs also inquires that I did not make and need to be investigated and removed asap I did reach out to the credit bureau with letters as well and nothing has been done. below are the unauthorized inquires and under 15 usc 1681 I hope that this matter is taking care of ASAP. Thanks, and XXXX XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. Factual XXXX XX/XX/XXXX XXXX. Factual XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. NCC XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-11-26
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Block, Inc. (NC)

On XX/XX/2023 I requested that Afterpay move my due date from XX/XX/XXXX to XX/XX/2023. I sent at least 10 requests. Reps asked me for order number and then never responded after that. 
XX/XX/XXXX XXXX I got no response. XX/XX/XXXX they tried to go in my account. 
I blocked it because I already requested a date change. I reached out to them. No response. 
I contacted them through complaints and a ticket number was created. 
Now they have blocked my account saying I can no longer shop. Saying they will add late fees. 
I'm not paying late fees because of their negligence.
Consumer complaint received 2023-06-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

My name is XXXX XXXX i have A debt collection account that's reporting nagative on my credit report. the debt collection account is not mine it shouldn't be reporting on my credit report at all. I was appyling to obtain lines of credit but i kept getting denied because pf this negative account, i just want the cfpb to resolve the issue. 

Accounts : XXXX XXXXXXXX
Consumer complaint received 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (MA)

LexisNexis you state in your re-investigate dated XXXX XXXX  that you have received the information from lien, judgment and civil filling records and determine that the data being reported is accurate. LexisNexis stated that research was conducted with the following source, XXXX XXXX Register of Deed, XXXX Ma. 
I have contacted the the XXXX XXXX register of deed and they responded that they DO NOT report these records to any credit reporting agency. I have attached a copy of the letter from the XXXX XXXX Registry of Deed with the section pertaining to my dispute highlighted for your review. LexisNexis did not re-investigate my dispute with the original furnisher XXXX XXXX Registry of Deed. LexisNexis has violated the FCRA by continuing to report inaccurate information after I had stated multiple times in my dispute that the information is in fact inaccurate. Please see attached response letter from XXXX XXXX Registry of Deed.
Consumer complaint received 2023-05-27
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: R.M. Galicia, Inc. (CA)

Progressive management continues to try to collect for medical debt that insurance has agreed to pay on. They also continue to update every week a new amount to the credit bureau with different amounts. I have contacted them, XXXX XXXX XXXX XXXX and my insurance which has all been agreed upon to be paid and removed but still insist on reporting numerous times a week to my credit report.
Consumer complaint received 2023-01-25
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

account XXXX in the amount of {$1200.00}, requested for validation and has not been provided. There are multiple errors with the reporting and have submitted multiple disputes requesting validation of the debt in my name. I have reason to believe this is not my debt and am falling victim to identity theft.
Consumer complaint received 2021-01-05
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/20 bank of America noted a {$660.00} cash atm withdrawal at a branch in XXXX California. I live in XXXX  California ... sum 9 to 12 hours away from my home. 
I filed an appeal claim for fraud. The bank closed my account and prevented my access any of my funds. After 3 emails to management and reaching out to XXXX XXXX XXXX news I have still not even recieved a response email or a phone call
Consumer complaint received 2023-06-17
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. (TX)

Fourth response to remove unauthorize inquries off my credit file. " Dear Sir or Madam : As they refered to me as a Ms or Mr .. I am a man and was born a man and i find that an insult from the burea indicaticting that. 
Federal law prohibits you from inquiring about my credit history without a ) being an existing creditor with a lawful interest, and B ) without my written authorization otherwise. You inquired on the following dates : XX/XX/XXXX, XXXX, XXXX, as evidenced by a copy of my credit report, a copy of which is attached here to for your reference. Its shows XXXX inquries on my credit report and some is duplicate. 

I have pursued an amicable resolution of this issue on several occasions, yet the problem remains. Within ten ( 10 ) calendar days from receipt of this letter, provide me with a photocopied authorization form, bearing my signature, which authroized your inquiry into my credit file. 

If I do not receive same on or by the aforesaid time, I will commence legal action against you. A copy of the suit, completed but not yet filed, is attached hereto for your reference. I reserve the right to amend such action, at any time and without further notice to you, to include damages not limited to defamation of character and humiliation. ''
Consumer complaint received 2024-03-29
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. (IL)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 Business Days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM TRANSUNION.
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.
Consumer complaint received 2017-09-20
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 (IL)

Between XXXX XXXX and XXXX XXXX, there are excessive inquiries on my credit report for auto financing. These inquires are not permissible. I did not authorize these inquiries, provide any personal information or a signed statement authorizing inquiries. I approved inquiries while auto shopping however those inquiries are not the ones I am disputing. I am aware dealerships will submit applications to multiple financing companies to shop around for the best rate. I did not authorize this and would have never allowed abuse of my credit reporting in such a way. I have reached out to your company regarding inquiry and was denied removal. The unauthorized inquiry has a negative impact on my XXXX XXXX and future opportunities.
Consumer complaint received 2022-02-16
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: Social Finance, Inc. (NY)

Dear Sir or Madam, On XX/XX/2021 i mailed a letter to the XXXX credit bureaus ( XXXX, XXXX, XXXX ) as well as to Sofi Lending and XXXX XXXX XXXX XXXX disputing collection accounts that were a result of identity theft. I provided a copy of the police report that i filed regarding this matter and the accounts in question have not been removed from my credit report. Please look into this.
Consumer complaint received 2021-01-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY (TN)

In XX/XX/2019 I disputed this account as not mine and asked the company to send me verification information that it was my debt including my signature. The common sent back a letter attempting to " settle '' on an account that is not mine. I am sending the same information to them in writing certified that I am sending to you. This debt must be removed from XXXX, XXXX  and XXXX  immediately.
Consumer complaint received 2023-01-24
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I am currently facing one of the biggest fights of my life. I am under a lot of medication, XXXX and XXXX. I am sometimes left exhausted and with other side effects. I have managed to maintain all of my capital one cards in good standing. However due to a hiccup I had on one account, I mistakenly selected the wrong bank for a payment of {$25.00} that was returned, Capital One closed all my accounts like the cold blooded lenders they are. I would like these account to be reinstated since they were closed in error and for them to consider that perhaps some of us are fighting a battle everyday bigger than a return check fee could ever be worth.
Consumer complaint received 2023-05-24
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: NAVY FEDERAL CREDIT UNION (TX)

I recently tried to purchase my firs-time home buyer and I came across my credit report and I realized that I have damages on my credit report. According to the 15 U.S.C 1681 there should not be any damages on my credit report it is a defamation to my character.
Consumer complaint received 2018-04-13
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (MD)

I am responding to the letter from Resurgent Capital Services dated XX/XX/XXXX. This was attached as a response to a complaint created with CFPB. In this letter, Resurgent Capital Services, states that their records indicate that I submitted a fax dated XX/XX/XXXX requesting that their office cease communication. I did not create nor send their office any fax. The fax that they attached to their response is fraudulent. It does not bear my signature and appears to have been created as some type of word document. It also bears the number of XXXX, which is located in XXXX, Georgia. I do not and have never resided in XXXX, Georgia. Resurgent Capital Services fraudulently created that letter/fax. My correspondence with their office has only been via letter with my signature, most of which were sent certified, as well as through Consumer Financial Protection Bureau. In addition to this, my correspondence has never included a request to cease and desist, but has been requests for debt validation that their office failed to provide. In their letter, it states that, Resurgent takes its customer service and consumer protection obligations very seriously Clearly it does not as their office has created a fraudulent document to justify their collection attempts on this account.
Consumer complaint received 2023-02-17
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)

n accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, US Dept. of EducationXXXX Account # 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 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-03-13
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)

I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, XXXX Account number : XXXX XXXX XXXX XXXX Account number : XXXXXXXX XXXX XXXX XXXX Account XXXX : XXXXXXXX XXXX XXXX XXXX  Account number : XXXX XXXX XXXX XXXX XXXX Account number : XXXX XXXXXXXX XXXX XXXX Account number : XXXX XXXX  Account number : XXXXXXXX XXXX XXXX Account number : XXXX US DEP ED Account number : XXXX US DEP ED Account number : XXXX US DEP ED Account number : XXXX US DEP ED Account number : XXXX XXXX Account number : XXXX US DEP ED Account number : XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-06-17
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. (FL)

I sent a letter out to Equifax. My confirmation number is XXXX. 

According to the TILA ( AKA FAIR CREDIT BILLING ACT OR TRUTH IN LENDING ACT ) The burden of proof is on the bureaus not consumers. Its been over 30 days and I demand them inquires to be DELETED FROM MY ACCOUNT.
Consumer complaint received 2024-07-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (FL)

I filed taxes with Chime Bank for a tax refund bank in XXXX of XXXX  for a total of {$390.00} that shouldve been deposited to my account months ago and I still havent received my deposit or any direct answer. Have contacted the bank multiple times and all they tell me is that I have to be patient and that they dont know when I will receive it.
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

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.

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 inructions 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