davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-11
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. (AL)

Ive tried reconcile with the credit bureaus but no one wants to help me out. I have hard inquiries on my account that I do not recognize at all. I am currently still not looking to apply for anything so I dont understand why are they there. Ive gave them evidence stating I did not give these companies to check my credit at all. 
Inquires are : 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
Consumer complaint received 2022-12-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (RI)

THE FOLLOWING ACCOUNTS ARE IN ERROR AND IN FACT CAUSE OF IDENTITY THEFT. THE FOLLOWING ACCOUNT WERE OPENED ILLEGALLY ALONG WITH SOME MALPRACTICE TAKEN BY THE CREDITOR AND CREDIT REPORTING AGENCIES.

XXXX XXXX
AccounXXXX XXXX XXXX XXXX Opened XXXX XXXX XXXX
Balance XXXX XXXX XXXX XXXX XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXate Opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
AccounXXXX XXXX XXXX
Date Opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXXate Opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX

XXXX  
Account XXXX XXXX
Date Opened XXXX XXXX XXXX
Balance - XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-22
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: Revco Management, LLC (NJ)

A month ago or so I noticed a collection on my account from Revco Solutions for {$3000.00} that I was not familiar with. It stated it was reported XX/XX/2024 and was 7 months old. I followed the prompts online to dispute it and the dispute was rejected I guess. I did not receive any notice regarding it afterward. I waited a few weeks anticipating that it may take time to come off. I later called the company and requested they cease and desist from debt collection attempts and communications, as I did not give them consent to have my information and to delete it from their system. I also requested the collection/ charge off be completely removed from my credit report. Im aware that reporting collections is illegal. As per 15 USC 1681 Section 602-604 which states they can not violate my privacy without my WRITTEN consent. I have never provided consent to this company to report collections/chargeoffs to my credit report. Please let me know our next course of action.
Consumer complaint received 2022-12-10
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: Incomm Holdings Inc. (NY)

Hello I received two Visa debit cards from Vanilla as a gift. I opened both of them for the first time and prior to making my first purchase I found out that both my cards had fraudulent charges. One card had a fraudulent charge of {$50.00} and the other one had two fraudulent purchases of {$70.00} and {$25.00}. When I called the customer service number, it about 40 minutes to get in touch with a live agent. They have agreed to put both the cards and the related fraudulent charges under dispute investigation. This also makes the remaining balance on my cards inaccessible. This is terrible customer service and lack of security provided by Vanilla.
Consumer complaint received 2022-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In Accordance with the fair credit reporting acct XXXXXXXX XXXX has violated my rights. 

15USC 1681 Section 602 States I have the right to privacy.

15 USC 1681-2 Responsibilities of Furnishers of information to consumer reporting agencies.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2021-07-27
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: CREDIT ACCEPTANCE CORPORATION (GA)

On today XXXX I checked my credit and seen some thing on there I did do. 

Account Name : XXXX XXXX Date Open : XXXX Account Name : CREDIT ACCEPTANCE CO Date Open : XXXX Account Name : XXXX XXXX XXXX Date Open : XXXX Account Name : XXXX XXXX XXXX Date Open : XXXX Account Name : XXXX, XXXX Date Open : XXXX Account Name : XXXX XXXX- # Date Open : XXXX Account Name : XXXX XXXX XXXX Date Open : XXXX Account Name : XXXX XXXX XXXX Date Open : XXXX Account Name : XXXX XXXXXXXX XXXX Date Open : XXXX Account Name : XXXX XXXX, XXXX Date Open : XXXX Account Name : XXXX XXXX XXXX Date Open : XXXX Account Name : XXXX  XXXX XXXX XXXX
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I dont understand when the report come back verified when my identity was stolen by the time the accounts were open. This is not fair & not right for me to punish for something I never done & making my credit suffer because of it 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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX, XXXX XXXX XXXX  XXXX account, and XXXX XXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2022-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: Experian Information Solutions Inc. (MI)

XX/XX/2022 ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] [ XXXX ] SSN : [ XXXX ] | XXXX : [ XXXX ] [ all 3 credit bureaus ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX Account XXXX : [ XXXX Reason : [ NEED THIS INFORMATION REMOVED FROM PROFILE & LATE PAYMENT HISTORY ASAP PLEASE ] By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 10 days of receipt of this letter. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. Thank you for your time and help in this matter. Sincerely, [ XXXX XXXX
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (SC)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2023-01-25
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: SCHOOLSFIRST FEDERAL CREDIT UNION (CA)

My bank XXXX  my car and while it XXXX  the comps they hired damaged my vehicle and put almost XXXX miles on it. I paid XXXX to get my car back from bank after not being notified I was getting XXXX. They still have balance I owe yet I havent been able to use the vehicle they damaged.
Consumer complaint received 2022-12-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (TN)

I purchased my home in XXXX with a fixed rate conventional mortgage loan for an amount of {$150000.00}. My mortgage has been sold multiple times from XXXX XXXX, to XXXX XXXX, XXXX XXXX and now Select Servicing Portfolio ( SPS ). It is currently XXXX and according to SPS my principal balance with over 15 years of timely payments is now {$150000.00} and my principal continues to increase every year even though I'm current on my mortgage. I would like to have my mortgage account audited.
Consumer complaint received 2022-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NV)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. 
It is the result of identity theft. ACCOUNT : XXXX XXXX # XXXX, Account : XXXX XXXX : # XXXX, ACCOUNT : # XXXX XXXX XXXX, ACCOUNT : # XXXX XXXX, ACCOUNT XXXX XXXX XXXX XXXX  XXXX # XXXX I filed identiy theft with the IRS, FTC, and the police.
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I am writing to lodge a complaint against my student loan servicer, XXXX, as well as the three major credit bureaus : Experian, XXXX, and XXXX. In XX/XX/2023, my credit report reflected a 90-day late payment on my student loan account. However, I certify this reporting to be in error, as I should have been in federal deferment under the provisions of the CARES Act. I seek your assistance in rectifying this issue and ensuring that such discrepancies are addressed promptly to protect consumers like myself. 

Sincerely,
Consumer complaint received 2018-12-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (TX)

I have found a systematic fraud at Navient where they indirectly charge borrowers to simply change the bank from which their autopayments are drafted. 

I currently have an outstanding balance of {$61000.00} in federal loans serviced by Navient. I called Navient to simply switch my auto-draft from my XXXX XXXX XXXX checking account to my XXXX XXXX XXXX XXXX savings account. I was advised by customer service that the only way to do so was to cancel my current auto-pay. Doing so increases the interest rate on my loans by 0.375 %, which is the benefit offered by Navient for being on auto-pay, which the customer probably never notices. " XXXX '' ( # XXXX ) and her subordinate advised me to do this, saying I would not be charged a fee. The auto-draft authorization process takes about two weeks ( more or less ), even though my XXXX savings account was already authorized at Navient from months back, and is displayed as an option for my auto-pay. 

In summary, there is no way to change auto-draft banks without paying the extra interest for two weeks ; in my case, the interest is about $ XXXX {$9.00}. The fact that this extra " fee '' is accruing on a ledger is extremely opaque to the customer. They assured me there was no other way to change my auto-pay bank. Multiply the average outstanding student loan by the number of borrowers changing banks times 0.375 % interest, and I'm sure Navient is fleecing 7-8 figures from unsuspecting borrowers. 

Also note that Navient understood this is the case, and provided no relief for the extra money I had to pay. They would not allow me to reverse my decision, either, and continue to use my old bank under the old interest rate.
Consumer complaint received 2018-12-05
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I MISSED A PAYMENT ON ONE OF MY ACCOUNTS. I DIDNT REALIZE IT UNTIL I RECEIVE A NOTICE THAT MY CREDIT SCORE HAD DROPPED. I CALLED THE COMPANY AND IT CHECKED OUT THAT I HAD MISSED A PAYMENT. MY OVER SIGHT I GET IT. MY COMPLAINT IS I HAVE A 99 % PAYMENT HISTORY THAT SHOULD HAVE BEEN A 100 UNTIL NOW AND THEY DROPPED MY CREDIT XXXX POINTS. TRANSUNION AND XXXX BOTH. FROM XXXX TO XXXX FROM TRANSUNION AND XXXX TO XXXX FROM XXXX. THEY BOTH DROP YOUR SCORE THAN RECOMMEND THEIR SERVICES OR COMPLANIES THEY PARTNER WITH TO BRING THEN BACK UP. MY COMPLAINT IS THESE COMPANIES ARE NOT FAIR. THERE IS NO WAY MY SCORE SHOULD HAVE DROP XXXX POINTS FOR ONE MISSED PAYMENT AND THIS IS NOT THE FIRST COMPLAINT IVE FILE AGAINST THESE COMPANYS FOR UNFAIR REPORTING.
Consumer complaint received 2022-11-24
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)

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, FL XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-10-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NAVY FEDERAL CREDIT UNION (GA)

This is not a refusal to pay. I've sent a Conditional Acceptance Letter to Navy Federal Credit Union via certified mail. As long as they can validate this debt with a full accounting ledger and everything stated in my letter I will accept it, but if they can not show that I owe anything they must discharge this " debt '' and comply with my conditional acceptance letter which is attached.
Consumer complaint received 2022-12-10
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. (PA)

Hi, I was a victim of identity theft. Someone has stolen my data and created negative accounts. I want to remove negative accounts from my credit report. I have sent the complaint letters to credit Bureaus to remove these accounts. These accounts are decreasing my credit points. But, they are not removing them. Please remove all negative accounts from my credit report as soon as possible.
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENOVA INTERNATIONAL, INC. (CA)

I have disputed this tradeline with Netcredit several times and they keep reporting misleading and inaccurate information on my credit report. They are not complying with the FCRA and are in violation.
Consumer complaint received 2022-12-10
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: ALLY FINANCIAL INC. (FL)

I opened an IRA account with Ally. After initially being able to log in, I sent a deposit to them in the amount of {$7000.00}. 

The following week, I was unable to log into my account. After calling them multiple times, I was unable to verify via their credit security check. I have tried multiple times and have been met with unprofessional behavior and unkept promises to return correspondence. 

I have logs of all my calls which showed I called them more than four times trying to access my account. In the end, I don't even know whether I have an account due to a bizarre email with the subject header " We weren't able to approve your application. '' AFTER I already opened an account, logged in and deposited money. However, after that, I also received multiple emails with the subject " You have a new statement available from XXXX XXXXXXXX XXXX. ''
Consumer complaint received 2022-11-25
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. (MD)

The account balance has been paid in full for over a month and the account has not been used. Still, the account is being reported as 120 days delinquent when that is not accurate.
Consumer complaint received 2022-09-21
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)

Transunion HAS BEEN USING MY REPORT WITH OUT MY CONSENT This is grounds for removal and monetary relief immediately. My rights where violated under : 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] A ) I must be respected and have the right to privacy. 
604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] A ) Section XXXX : It also states that a consumer reporting agency can not furnish an account with out my written instructions. 
XXXX XXXX  XXXX XXXX XXXX {$820.00} - - -No Data wrong account name wrong account number no high balance past due 30 past due 60 past due 90 Total Amount : {$6000.00} XXXX XXXXXXXX XXXX  XXXX XXXX {$0.00} {$0.00} wrong account name wrong account number past due 30 Total Amount : {$3000.00} XXXX XXXX  XXXX XXXX {$1800.00} XXXX XXXX -No Data XXXX XXXX XXXX {$0.00} {$0.00} reported late payments during covid violation of cares act XXXX XXXX XXXX XXXX XXXX  XXXX {$450.00} XXXX XXXX -No Data wrong account name wrong account number past due 30 past due 60 past due 90 Total Amount : {$7000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} {$0.00} wrong account name wrong account number past due 30 Total Amount : {$3000.00} XXXX  XXXX {$1200.00} - - -No Data wrong account name wrong account number past due 30 no high balance Total Amount : {$4000.00} XXXX XXXX XXXX  XXXX {$290.00} - - -No Data wrong account name wrong account number XXXX XXXX {$510.00} - - - wrong account name wrong account number
Consumer complaint received 2022-09-21
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: Experian Information Solutions Inc. (FL)

I have reached out to the company, I sent a FTC fraud report, police report and all supporting documents to have these incorrect accounts removed but it is still reflecting on my account. This company is ignoring my attempts and documents that have been sent. 

This has caused me a great amount of stress and depress. 

Incorrect / fraudulent accounts : 1.XXXX XXXX 2 . XXXX XXXX  3. XXXX XXXXe
Consumer complaint received 2022-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX is reporting a bankruptcy in my Experian credit report which they not allow to report in my credit report I contact bankruptcy court and they do not report to any credit Bearu 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 agencie can not furnish a account without my writing instruction
Consumer complaint received 2022-09-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.