davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX 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 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-03-02
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts has Violated my federally protected Consumer rights to privacy and Confidentiality under 15 USC 1681. 


XXXX XXXX
Consumer complaint received 2023-04-15
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. (IL)

XXXX is continuing to report on my credit reports ( Transunion and XXXX ) and changing the amounts back and forth between {$480.00} and {$480.00}. 
XXXX has already deleted/removed this account from my credit file. 
I need Transunion to follow suit. 

XXXX XXXX XXXX Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$480.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX XXXX {$480.00} Balance Updated XX/XX/XXXX
Consumer complaint received 2023-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Filed a dispute on XX/XX/22 online, which came back " validated '' I redisputed requesting a thorough investigation as the collection account was listed multiple times with different amounts. This was a violation of the FCRA. I received a letter from XXXX that the information of the XXXX should be removed due to reinvestigation or retention had expired. MG credit then re-added the collection account with a new charge off amount of {$1200.00}, with no additional certification provided to me as required by FCRA
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (LA)

My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately. 

XXXX XXXX XXXX -- {$19000.00} XXXX XXXX -- {$990.00} DEPT OF EDXXXX XXXX XXXX {$2100.00} DEPT OF ED/ XXXX -- {$5500.00} DEPT OF ED/ XXXX -- {$1100.00} DEPT OF EDXXXX XXXX -- {$2200.00} DEPT OF ED/ XXXX -- {$4500.00} DEPT OF ED/ XXXX -- {$2200.00} DEPT OF ED/ XXXX -- {$2300.00} DEPT OF ED/ XXXX -- {$1100.00} DEPT OF ED/ XXXX XXXX {$1700.00} DEPT OF ED/ XXXX -- {$1100.00} DEPT OF ED/ XXXX -- {$1700.00} DEPT OF ED/ XXXX -- {$2900.00} DEPT OF ED/ XXXX -- {$5500.00} DEPT OF ED/ XXXX -- {$0.00}
Consumer complaint received 2016-06-17
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: U.S. BANCORP (CA)

My information was stolen from me I be having a hard time I 've been XXXX in my money I get Social Security benefits but Money 's been deducted out of my bank account which is was US Bank at that period of time and I filed a dispute on my transaction and noterized every single document but the thing was that US Bank supposed to grab me the money and when I called him the other day which was yesterday XXXX they said that that account does n't exist and they do n't see it but the thing is that you are the treasure your account with supplemental security deposit and how much money and a long. Of time when I was XXXX and I money just communicated in the account and I thought. Time when I got out of XXXX in XXXX I did file the dispute and I got granted but the thing is that you would think they would give me back my money and I 'm paying back everything back to the Social Security and now I 'm in the bed and I will secure a lot of money so I want to be able to get this information fix thank youXXXX
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (LA)

My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately. 

XXXX XXXX XXXX -- {$19000.00} XXXX XXXXXXXX -- {$990.00} DEPT OF ED/ XXXX XXXX {$2100.00} DEPT OF ED/ XXXX -- {$5500.00} DEPT OF ED/ XXXX -- {$1100.00} DEPT OF EDXXXX XXXX -- {$2200.00} DEPT OF ED/ XXXX -- {$4500.00} DEPT OF ED/ XXXX -- {$2200.00} DEPT OF ED/ XXXX -- {$2300.00} DEPT OF ED/ XXXX -- {$1100.00} DEPT OF ED/ XXXX XXXX {$1700.00} DEPT OF EDXXXX XXXX -- {$1100.00} DEPT OF ED/ XXXX -- {$1700.00} DEPT OF EDXXXX XXXX -- {$2900.00} DEPT OF ED/ XXXX -- {$5500.00} DEPT OF EDXXXX XXXX -- {$0.00}
Consumer complaint received 2022-11-21
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. (FL)

XXXX XXXX XXXX- Opened XX/XX/XXXX Credit limit- {$500.00} Fraudulent account- Sent Dispute letters And Picture Id and notorized affidavit XXXX Opened XX/XX/XXXX Credit Limit- {$3000.00} Fraudulent account- Sent dispute letters And Picture Id and notorized affidavit XXXX XXXX ( collection ) Opened- XX/XX/XXXX Credit limit- {$400.00} Fraudulent Account Sent Dispute letters And Picture Id and notorized affidavit XXXX Opened- XX/XX/XXXX Credit limit- XX/XX/XXXX Fraudulent account Sent dispute letters And Picture Id and notorized affidavit
Consumer complaint received 2022-11-21
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: EQUIFAX, INC. (FL)

XXXX XXXXXXXX XXXX- Opened XX/XX/XXXX Credit limit- {$500.00} Fraudulent account- Sent Dispute letters And Picture Id and notorized affidavit XXXX Opened XX/XX/XXXX Credit Limit- {$3000.00} Fraudulent account- Sent dispute letters And Picture Id and notorized affidavit XXXX XXXX ( collection ) Opened- XX/XX/XXXX Credit limit- {$400.00} Fraudulent Account Sent Dispute letters And Picture Id and notorized affidavit XXXX Opened- XX/XX/XXXX Credit limit- XX/XX/XXXX Fraudulent account Sent dispute letters And Picture Id and notorized affidavit
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have been trying to remove inaccurate information from my credit reports, there are inquiries on my report that do not belong to me in regards to inquiries for automobile loans. 

The following inquiries that are inaccurate on my credit reports : XXXX TransUnion XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX-TransUnion-XXXX XXXXXXXX XXXX XXXXXXXX XXXX-TransUnionXXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-TransUnion, XXXX XXXX I have resolved this account, please have XXXX XXXX remove this negative item from my credit report XXXX Thank you XXXX XXXX XXXX TransUnion XXXX XXXX XXXX they claim that I have made late payments before, but that is inaccurate, I have requested them to correct this several times and they keep saying they will, but to date they are still showing my late payments on my credit reports.
Consumer complaint received 2017-10-29
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. (NY)

URGENT - Mistake made on CFPB Complaint # XXXX, regarding NAME - - Please DISREGARD this part of the complaint for both TransUnion and XXXX. 

The rest of the complaint regarding " ACCOUNT CLOSED BY CUSTOMER '' remains a concern and may go forward.
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 — Was not notified of investigation status or results
Company: DISCOVER BANK (NY)

To whom it may concern I am writing this complaint today because of the way XXXX is conducting their investigation and their insulting comments stating that it might not be me who is submitting the request to dispute items on my account which it was very much me who submitted this request and just because I know what I am talking about and writing with facts and using the USC and the FDCPA to dispute their inaccuracies. They had 30 days to submit me wit the proof and documents I requested with the method of verification and not a computer generated response they sent me. I asked these creditors for debt validation letters but they failed to send that to me also. This is a violation to me as a consumer and I trust the CFPB to help me resolve this matter effectively. On XX/XX/2022 I sent my first letter and received no reply and XX/XX/2022 I sent another letter which they sent me what looks like a computer generated response saying it was not me submitting this request. I am a victim of identity theft and I have sent a Ftc report i submitted to them and will attached it here. These accounts are not suppose to be reporting on my credit. Thank you for reading this.
Consumer complaint received 2018-09-24
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN HONDA FINANCE CORP (NY)

Honda Financial Services called my house. 
Number that called me : XXXX Number I was told to call : ( XXXX ) XXXX Someone by the name of XXXX called me and said to call him back as this is an urgent matter. I researched the number and there were many sites saying that this was a scam, that uses Honda financial services but has no affiliation with Honda at all. I called Honda themselves and they said they have no numbers in there system with the numbers I listed. I believe this is a company trying to scam people into collecting fake auto debt and I wanted them to be looked into.
Consumer complaint received 2023-03-02
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. (GA)

I have received a copy of my credit report from TransUnion that currently still show inaccurate information. I have sent 3 requests to TransUnion for an investigation of the alleged public record listed of bankruptcy. I have received an incomplete and unverified information back from TransUnion states that alleged public record verified per data furnisher. TransUnion have failed to advise how the alleged public record listed of bankruptcy was verified. I understand that per the law of FCRA under permissible purpose. I have not given any furnisher the right to release such alleged information. I am deeply conflicted with this inaccurate or incomplete information. I request further investigation to the matter and request lawful reply. I called TransUnion on XXXX XXXX XXXX for an update regarding the fraudulent bankruptcy activity on my credit report.I spoke with a manager name XXXX XXXX XXXX could not provide his agent number. XXXX advised me that TransUnion does not use the vendor XXXX. We all know that TransUnion owns XXXX. XXXX advised me that they use another vendor but could not reveal the 3rd party credit vendor 's name. XXXX advised me to contact the U.S. Bankruptcy Courts and provide TransUnion with the courts letter. I told him I did that. Then he told me to contact the U.S. Bankruptcy Courts again for an expungement letter. I have attached my letter from the U.S. Bankruptcy Courts and XXXX XXXX.
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. (VA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2023-03-04
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: EQUIFAX, INC. (CA)

You are reporting deleted information from other bureaus so you must delete it from my Equifax credit report. Per FCRA, reporting must be 100 % accurate. The account is listed below : XXXX XXXX XXXX XXXX : {$10000.00}
Consumer complaint received 2021-03-13
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: M. G. Credit, Inc. (OH)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
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. (IL)

I recently turned XXXX and I just got a hold of my credit report and I see a lot of items that I do not recognize. I do not know what this stuff is XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX DEPT OF ED XX/XX/XXXX XXXX, NA XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-04-15
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. (NV)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX {$9700.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX.
Consumer complaint received 2024-03-01
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: Experian Information Solutions Inc. (TX)

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2023-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Ive been a loyal customer of XXXX XXXX  going on 6 years I have two credit cards with them on XX/XX/2023 credit karma alerted me that XXXX  XXXX had removed my card account ending in XXXX from my transunion credit report and my score dropped XXXX points because of it I called XXXX XXXX and a representative instructed me to mail out a letter to their disputing department explaining what the issue is and how I would like it to be resolved that same day I went to ups and sent a letter out in the letter I explained that my account ending in XXXX was removed from my transunion report and I would like that account to be added back to my transunion report they sent me a letter through the XXXX  XXXX app that stated their investigation has verified that my account ending in XXXX is currently reporting on my credit report but thats not true the trade line itself is only reporting on my XXXX and my XXXX report it is no longer on my transunion report I need them to add it back because its not the same as reporting the utilization I need the trade line as a whole to be added back to my transunion credit report
Consumer complaint received 2024-03-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (RI)

MOHELA transferred my student loan to be managed by a new division within their company. I was emailed about the transition stating that my account number would be changing and therefore I would need to update my automatic payments with this new account number and send payment to a new XXXX XXXX . During the month long transition in XXXX, I continued making electronic payments via XXXX  XXXX XXXX using the new address but was not provided my new account number. Once the transition was completed, I was emailed by MOHELA to create a new profile on their portal. The new profile shows none of my previous payment history and has my account past due. Additionally my last 10 weekly payments have not posted to my account. XXXX  XXXX XXXX has confirmed that the payments were processed electronically and MOHELA has taken the funds. When I called Customer support, I was told it could be another 30 business days until my payments may be accurately posted to my account. I am concerned that my payments are going into a black hole.
Consumer complaint received 2022-11-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NAVY FEDERAL CREDIT UNION (GA)

My payments are due on the XXXX of each month. I am currently 9 days past due. Money has been tight, so I have been running 10-15 days behind, admittedly. 

I always make my payment every month and will continue to do so. I received a billing statement from Navy Federal today XX/XX/2022. The billing statement envelope window contains my name and address. Right under It also contains a statement thats states : Our records indicate that your consumer loans ( s ) is past due. 

This statement is in the billing statement envelope window, clearly visible for the mail facility, mail carrier and anyone in my residence who retrieves the mail to see. This is a privacy violation. Navy Federal should not be disclosing on my billing statement envelope window the status of my account for anyone to see. 

I feel by Navy Federal disclosing on my billing statement envelope window the status of my account they are intentionally trying to collect on the payment owed by disclosing my account information as a way to shame and let others know my account is past due.

This practice of Navy Federal of disclosing the account status of the account in the billing statement envelope statement window seems like it is illegal to do so under the fair debt collection practices act. In addition, when the statement was processed and mailed I would have been past due by a day or two.
Consumer complaint received 2024-03-01
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: Experian Information Solutions Inc. (TX)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

1. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX XXXX XXXXXXXX : XXXX As a consumer by law, this account must be deleted immediately.
Consumer complaint received 2023-09-01
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (CA)

I applied for the American Express XXXX XXXX XXXX credit card roughly around XX/XX/XXXX. My application was taking into submission and as of today XX/XX/XXXX I had not received a response. I called them today, XX/XX/XXXX and asked what the status was. They informed me that my application was denied because I had too many recent bank cards. My credit score is Very Good ( it went down XXXX points because of their inquiry and XXXX points because my car lease ended last month ) however despite those 2 factors it is still at XXXX. I have no late payments, I got a new cc in XXXX and one in XX/XX/XXXX that have XXXX balances. All my accounts are current and I have credit cards total. There is absolutely no reason to deny my application. I feel there is a discriminatory reason for the denial. They also claimed they mailed out a letter on XX/XX/XXXX and I have not received a letter.