davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my 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 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 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 2023-01-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( XXXX ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. The accounts below should be corrected at once : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP (CA)

I had a business checking account with US bank NA. On XX/XX/XXXX, I deposited a check of : {$260000.00}. On XX/XX/XXXX, I deposited another check of : {$26000.00}. On XX/XX/XXXX, I deposited another check of : {$360000.00}, the check of the {$360000.00} was returned as irregular signature because the issuer and signer of the check had XXXX  XXXX XXXX XXXX XXXX  which caused her signature to not be accurate. I have spoken to US bank severally about this and even the issuer of the check has spoken to them. The check of {$260000.00} and {$26000.00} cleared respectively but because the check of the {$360000.00} was returned, US bank decided to close my account. I was told the account would be closed by XX/XX/XXXX and a check would be mailed to me for the balance of the checks that cleared. XXXX XXXX, my business checking account was closed but the balance on my account was not mailed. I gave them a call back, I was told they they had instructed a branch manager by the name XXXX XXXX to issue me a check for the balance on the account before it was closed but I was informed the said branch manager was on vacation until XX/XX/XXXX. I went inside of the branch to meet the branch manager XXXX XXXX to inform her about the instructions I had heard from their Customer Compliance Department for her to issue me the check for the balance on my account before it was closed, she confirmed to me that she received the email but she did not have the authorization to issue me the check, I asked her what was going on, she told me their risk department had not released my funds and she hadnt heard from them. I waited for another week hoping to have information, but nothing. I kept calling XXXX XXXX to give me the direct number of the risk department but she said she couldnt and that she would follow up with them and asked me to keep calling her. Every time I call her back, she finds it hard to speak with me and she tells me she hasnt heard anything from the risk department. I asked her, why did you close my account if your review was not over? Now, I cant see my money and none of you is responding to me with information. Up until this moment, I keep calling them and no one seems to know what is going on and no one is answering my calls or questions. I need my money back to continue with my XXXX
Consumer complaint received 2023-01-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 
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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Consumer complaint received 2023-05-09
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. (TX)

Im a victim of identity theft there are 14 hard inquiries on my report Im asking yall nicely to have them removed cause I didnt allow them dont know anything about them
Consumer complaint received 2023-01-09
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (NY)

Due to a family matter, I was under stress. I missed one of my mortgage payments but catch up on the next payment. 

I notice there is a late fee of {$26.00}, I was never late on any of my mortgage payments. 
I call Rocket Mortgage to get the {$26.00} waived. I was told that they change their policy and are not allowed to waive the late fee. 

I am paying Rocket Mortgage an interest rate that is unbelievable and I can not believe they will not waive a {$26.00} late fee. 

Becuase I was never late in any of my payments, I want Rocket Mortgage to remove the {$26.00} fee from my statement.
Consumer complaint received 2023-01-20
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)

This letter is being sent to you in response to the account furnished in my Report. When asked, your office replied that the dispute regarding the validity of the debt is not raised within the prescribed time period therefore, the same is furnished in your Report. According to 15 USC 1692a. ( 5 ) The term " debt '' means any obligation or alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance, or services which are the subject of the transaction are primarily for personal, family, or household purposes, whether or not such obligation has been reduced to judgment. Further according to 15 USC g. ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer Therefore, I would like to inform you that this debt is not valid and my failure to dispute the validity of the debt will not amount to an admission of liability. I further request you to kindly remove this alleged debt from my Report Thank you for your cooperation Sincerely XXXX XXXX
Consumer complaint received 2023-01-09
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. (GA)

Equifax, XXXX, XXXX are all reporting improper information. I also believe I am victim of identity theft and/or data breach. My credit scores and reports have been compromised because of it. I tried Disputing with the comoanies directly and thing were not properly handle. 

Hard inquires i didnt authorize : 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 XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-23
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. (TX)

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 Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$940.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-06-21
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. (TX)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-03-01
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. (CA)

XXXX XXXX auto finance, is violating my rights by changing remarks, amounts owed, balance manipulation, each month they are changing statuses, ultimately making newer derogatory remarks, as of XX/XX/2022 they are reporting a new charge off, this was charged off 3 years ago, and account is XXXX XXXX XXXX, now they are reporting a balance of {$1.00} to XXXX. This is moving my score up an down negatively, please remove this account from my credit report.
Consumer complaint received 2023-06-21
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)

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request XXXX, XXXX and TransUnion the method of verification for disputes In accordance with FCRA, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action..Inaccurate Addresses : 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 2023-10-15
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

I recieved a call today XXXX  XX/XX/2023 at XXXX. I politely requested multiple times prior and attempted to make the request again that this company, portfolio recovery associates, not call me on XXXX, before XXXX or after XXXX. They have not followed this request, and this time the employee went further and began to mock my request, at one point telling me " well I do work on sunday '' and that he can't and won't take my request because I wouldn't answer his questions he was asking. I asked for his name and employee ID and I am faily sure he gave me a false name and ID the name and ID given was XXXX XXXX employee ID : XXXX.
Consumer complaint received 2023-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (NY)

The website does not allow any login after updating my password several times, and the security freeze I have place on the account is no longer working. There is a problem with updating my email address, and my last email address is compromised, someone else is reading the emails.
Consumer complaint received 2023-01-10
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. (FL)

The past payment history on my student loans is incorrect. I have struggled with my credit score being low due to the negative payment history of the student loans. This information has never changed and I dont know how to get the late payments deleted.
Consumer complaint received 2023-01-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE (FL)

My wife passed away XX/XX/2022. She was the authorized owner of a Barclays credit card, which I was an authorized user. I notified Barclays that she had passed away, and they immediately closed the account, and with that move they also kept over XXXX travel miles. In a subsequent conversation with Barclays, they told me that I was not responsible for the debt. I challenged the debt showing up on my credit report and they removed it. 

Last week I discovered that they had been making ACH withdrawals from MY Account and have withdrawn at least {$9000.00} since they closed the account. I stopped payment in XXXX and immediately call Barclays. They said they could not talk to me ( I assume because I am not the responsible party ) and that they would notify me by sending a letter to my deceased wife with in XXXXhrs. 

Today I received a letter from XXXX notifying me that they had suspended my account and would not process any other ACH withdrawals. So I am left with setting up new automatic payments to the numerous legitimate vendors.
Consumer complaint received 2023-01-10
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (MD)

When I took out this Parent Plus Loan in 2007 with Sallie Mae the amount was {$33000.00}. The interest rate was 8.500 %. During the course of the loan I had to do a Forbearance and sometimes a deferment a few times on this loan. I was not aware that the interest would keep accruing even though the payments had been postponed for a few months. Navient is now the carrier of this loan. My payments are now over {$800.00} a month ( which I can not afford ) and the interest has now brought my loan to {$110000.00}. I've made payments on this loan but the payments were not close to {$800.00} a month. I called Navient several times to discuss this outrages amount of this loan and I was told that because this is a Parent Plus Loan that there is nothing they can do for me. So I kept sending small payments which now I found out that it really was not worth it because only {$1.00} was going to the principal and the other amount was going to interest. To sum this all up, I will NEVER be able to pay this Predatory loan back.
Consumer complaint received 2023-01-21
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. (PA)

The accounts below are closed and PAID. They are reporting on my credit report and I want them DELETED. I dont owe any money on these accounts and they are reporting negative on my credit report and I want these accounts removed and DELETED. Also, they are not reporting on my XXXX or XXXX. 

XXXX ACCT # XXXX Highest Balance : {$2200.00} Balance : {$0.00} XXXX ACCT # XXXX Highest Balance : {$3500.00} Balance Owed : {$0.00} XXXX  ACCT XXXX XXXX Highest Balance : {$6000.00} Balance Owed : {$0.00} XXXX  ACCT # XXXX Highest Balance : {$3500.00} Balance Owed : {$0.00} XXXX ACCT # XXXX Highest Balance : {$6000.00} Balance Owed : {$0.00} XXXX ACCT # XXXX Highest XXXX : {$1700.00} Balance Owed : {$0.00} XXXX ACCT # XXXX Highest Balance XXXX {$3000.00} Balance Owed : {$0.00} XXXX  ACCT # XXXX Highest Balance : {$6000.00} Balance Owed : {$0.00} XXXX ACCT # XXXX Highest Balance : {$3500.00} Balance Owed : {$0.00}
Consumer complaint received 2022-09-12
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. (TX)

I have disputed XXXX XXXX XXXX Several times with EXPERIAN and its coming back as verified, After doing my research XXXX XXXX XXXX was involved in a class action law suit due to reporting inaccurate information on consumers files. In my case the date of delinquency is not showing correct per my report showing 30 days late in XXXX and XXXX and reporting a active payment history after the account charged off, Experian will not do nothing but auto verify this account and make the CFPB believe that the account is being verified, Experian is failing to follow up the written laws w/ the FCRA I have made several attempts to get this verified and nothing has been done