davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-16
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. (FL)

i do not recognize those iquiries in my credit reports. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-09-30
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. (NY)

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. I am worn out of sending dispute letters to Experian requesting that they correct this mistaken account being stated on my Credit File because they have been doing nothing! This complaint is to follow up on my prior protests and letters I submitted on XX/XX/XXXX, and to notify them that I am halfway through taking lawful action and litigating Experian for their headstrong nonfulfillment of the FCRA statute. Only if they took time to update and correct the account on my Credit report, then I may halt filing proceedings against Credit reporting agencies. The account that should be adjusted is : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : $ XXXX Late Date XXXX
Consumer complaint received 2020-12-26
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: OneMain Finance Corporation (NY)

To whom it may concern. 
I XXXX XXXX had a loan thru one main financial. On XX/XX/2020 it was transferred on to me ex gfs car that she received from me.recieved a paid and full and lien release on my loan.i have the title and lien release on my truck from one main financial. I work on XXXX XXXX and came home onXXXXXXXX/2020 found my truck to be gone and one main financial repossessed my truck. When I contacted them they said I had a second loan thru them.i have never taken a second loan from one main financial. If so I would not have a clear title to my truck.they require a title to receive a loan.i have only been in one main financial one time ever and they only give loans in person.thank you for looking into this
Consumer complaint received 2023-01-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank XXXXXXXX some one apply for that account its not mine.I never get a credit card the card is in some body else name. I dispute in the XXXX, XXXX and they remove from the report but XXXX XXXX refused to move the account for over XXXX year and half. Can someone help me with them when they open? XX/XX/XXXX XXXX
Consumer complaint received 2020-03-04
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: WELLS FARGO & COMPANY (MD)

I was recently part of a class action lawsuit with Wells Fargo CPI, and they are admitting that they were at fault and contributed to me filling a bankruptcy do to repossessed vehicle, Im asking Well Fargo to contact XXXX to have Bankruptcy removed that was filled in 2012, thank you
Consumer complaint received 2020-03-04
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: Bread Financial Holdings, Inc. (NV)

Consumer complaint narrative I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries presents in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT** )
Consumer complaint received 2020-03-04
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (FL)

I initiated an {$8000.00} wire transfer from my local XXXX/XXXX  Branch in XXXX Fl, XXXX XXXX Branch  from my checking acct XXXX on XX/XX/20. The " Pay Through Bank '' was put on by The XXXX Rep as HSBC Bank USA, N.A. New York XXXX. The receiving Bank in XXXX later advised that the pay through bank should have been XXXX XXXX XXXX XXXX and XXXX advised to me the funds were returned to HSBC on either XX/XX/20 or XX/XX/20. My local XXXX Branch advises that they have been reaching out to HSBC and the {$8000.00} is " in suspense ''. I am advised by XXXX that there is nothing I can do and have to wait. 
The funds were to purchase a vehicle in XXXX and the transaction has fallen apart and a {$1000.00} deposit has been forfeited. 
I also had monthly bills and obligations to meet and now do not have the funds to meet them.I am being put in dire financial straights and need some help on this ASAP. 
The Bank in XXXX was XXXX  XXXX XXXX XXXX XXXX ( XXXX ) Address : XXXX XXXX XXXX, XXXX, XXXX to be deposited to XXXX  XXXX  Acct : XXXX. 
I would greatly appreciate anything you can do to get the {$8000.00} returned to my account ASAP as I am now in desperate financial straights. Thank You very much
Consumer complaint received 2020-03-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Adjustment Service, Inc. (OH)

In XX/XX/XXXX I was contacted by credit bureaus regarding cell phone accounts that was now on my credit report. I contacted XXXX XXXX  XXXX, XXXX, and XXXX  about the fraud. XXXX  and XXXX   both concluded that the accounts are fraudulent. XXXX  denied having any accounts in my name after giving them all of my correct information. XX/XX/XXXX I recieved a letter through XXXX XXXX saying that a XXXX  account was reported to them in the amount of {$3800.00} I contacted them and explained the fraud on my account that day. I also contacted XXXX  the same day and they had me mail out the fraud packet to them and also XXXX  recieved the same information via email XXXX  did. XXXX  originally removed this from my credit report on XX/XX/XXXX. Next XX/XX/XXXXsubmitted the account to Diversified ADJ SVC. I again made the complaint again to XXXX  and submitted my information to XX/XX/XXXXagain. I filed the police report and the FTC report between XX/XX/XXXX. I didn't do it sooner because I thought it was taken care of. Diversified did remove it from one credit reporting agency but not all of them. I called XXXX again to see why they didn't do it to all of the credit bureaus and they said because it was not fraudulent. I then contacted the XXXX XX/XX/XXXX and XXXX  executive office  contacted me to look at what was going on. I again sent her " XXXX '' most of the same information I sent XXXX the first three times and they again said it was not fraud and that I do not have any fraud reports on my credit. I told them to look again and she said they can not do that.
Consumer complaint received 2020-03-04
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. (NY)

I was disputing a Bankruptcy on my credit report that TransUnion verified as accurate. Confused by this I sent them a letter on XX/XX/2020 through certified mail with the tracking numbers XXXX XXXX XXXX XXXX XXXX and asked them for their method of verification.. On XX/XX/2020 I received a letter from TransUnion stating they were to verify that bankruptcy from my credit report by verifying it with the US Bankruptcy Court located at XXXX XXXX XXXX, XXXX NY XXXX XXXX XXXX.I took it upon myself to go to the Bankruptcy Court in person and ask them if they verified my info with TransUnion. They turned around and told me they did not, they all so typed out a letter for me stating that they didnt verify my info with the credit bureaus. After that i sent that letter to TransUnion through certified mail with the tracking numbers XXXX XXXX XXXX XXXX XXXX on XX/XX/2020 asking them to remove that Bankruptcy from my credit credit because it can not be properly verified. As of today XX/XX/2020 i have not gotten a reply from them.
Consumer complaint received 2022-09-30
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)

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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 an 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.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NY)

I am disputing the bankruptcy listed on my credit report, as I have a court letter stating it should not be reported. The involvement of an unauthorized third party makes the issue even more concerning. Also, you're the only bureau that is reporting this public record so much so. I want this to be removed.
Consumer complaint received 2023-02-11
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: EQUIFAX, INC. (FL)

The 3 CRA 'S are wrongfully reporting several inquiries on my credit report that I do not recognize nor authorized. I am writing to inform the CRAs to delete these erroneous inquiries. As they are violating my consumer rights governed by the fcra. 

I am writing to file a complaint regarding violations of the Fair Credit Reporting Act ( FCRA ) by XXXX, XXXX, AND EQUIFAX. I believe that the CRA 's have failed to comply with several provisions of the FCRA in its handling of my credit report, including the following sections : Section XXXX - This section requires CRAs to provide consumers with a copy of their credit report upon request.

Section 609 - This section requires CRAs to provide consumers with a notice of their rights under the FCRA when they receive a copy of their credit report.

Section 611 - This section requires CRAs to investigate consumer disputes and to correct or delete inaccurate or incomplete information in their credit reports.

Section 615 - This section requires CRAs to follow reasonable procedures to ensure the maximum possible accuracy of the information in credit reports.

Section 617 - This section provides consumers with a private right of action to sue CRAs and other parties that violate the FCRA.

Section 623 - This section requires users of credit reports to provide notice to consumers before taking adverse action based on information in a credit report.

Under the Fair Credit Reporting Act ( FCRA ), Section 623 sets out the responsibilities of credit reporting agencies ( CRAs ) and furnishers of credit information with respect to the accuracy and completeness of credit information. Some of the relevant subsections of Section 623 include : 623 ( a ) ( 1 ), which requires CRAs to maintain reasonable procedures to ensure the maximum possible accuracy of the information in their credit reports.

623 ( a ) ( 2 ), which requires furnishers of credit information to provide complete and accurate information to CRAs.

623 ( b ), which requires CRAs to reinvestigate consumer disputes if the consumer provides new information.

623 ( c ), which requires CRAs to delete information that is outdated, incorrect, or can not be verified. 

The inquiries that need to be deleted are : Equifax XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX You applied for a credit card on XX/XX/XXXX XXXX XXXX XXXX You applied for credit on XX/XX/XXXX XXXX XXXX Cred You applied for credit on XX/XX/XXXX XXXX XXXX XXXX XXXX You applied for credit on XX/XX/XXXX XXXX : XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX  ( Bank ) XX/XX/XXXX XXXXXXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Retailer ) XX/XX/XXXX XXXX XXXXXXXX XXXX  XXXX ( Auto ) XX/XX/XXXX XXXX
Consumer complaint received 2020-03-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (SC)

I began working for a 501 ( c ) ( 3 ) XXXX XXXX  organization in XX/XX/XXXX and have worked continuously at such an organization since that time. I have been making timely payments on my federal student loans via automatic withdrawal under an income-based repayment plan since at least XX/XX/XXXX. In XX/XX/XXXX, I submitted a Public Service Loan Forgiveness ( PSLF )  certification to XXXX, my loan servicer at the time. InXX/XX/XXXX, I received a letter indicating that my loans would be transferred to FedLoan. 

In XX/XX/XXXX, I received a statement from FedLoan indicating that I had made 67  qualifying payments toward the 120 necessary to qualify for PSLF. Because I believed that FedLoan had made an error in this calculation, I requested a life of loan payment history which I received from FedLoan in XX/XX/XXXX. This history showed, by my count, that I had made 87 qualifying payments as of XX/XX/XXXX. I emailed FedLoan in XX/XX/XXXX explaining my position and asking that they review my account, provide an explanation as to why any payments made were not counted toward my PSLF eligibility, and correct any errors that it found. In XX/XX/XXXX I received FedLoan 's response which, without explanation, indicated that the number of qualifying payments I had made had been reduced from 67 to 40. I contacted FedLoan and spoke by phone with representatives in XXXX and XX/XX/XXXX and, each time, was informed that my loan had been placed into paid ahead status some time during the preceding years and then subsequently removed from that status. Each time I spoke with a FedLoan representative, I was informed that they would conduct a review of my account and provide me with the results of that review in writing. I have received no additional information from FedLoan. 

I have never requested that my loans be placed in paid ahead status and have made no additional payments on my student loans other than those automatically withdrawn by my loan servicer. Each of those payments has been in the amount determined by my loan servicer under an income-based repayment plan. FedLoan has failed to provide any explanation as to how my account could have been placed into paid ahead status under these circumstances, has failed to explain how it determined that fewer of my payments qualified for PSLF after I disputed its initial count, and has failed to offer or make any corrections to may account so that I receive credit for the complete and timely payments that I have made.
Consumer complaint received 2020-03-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

To whom it may concern, Bank of America has acknowledged they have {$190000.00} our our money as of XX/XX/2020. BOA daily assures is the funds will be released to our checking account.

We have in writing the money would be deposited by XX/XX/20, we still have no deposit. 
We hope you can help us recover our money, thank you for your time, XXXX XXXX /XXXX XXXX XXXX XXXX XXXX XXXX , Massachusetts XXXX XXXX XXXX
Consumer complaint received 2020-03-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (NY)

Hi, I got closed all my credit card accounts with no legit reason, and I believe the only reason this was done is due to discrimination against me and my family, since everyone in my family got closed down with different nonsense reasons, I and my family had a long standing great relationship with chase and we always made payments on time and being shut down took a toll on me and my family, and ruined our reputation with our clients and community
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I WOULD LIKE ALL THESE ILLEGAL ITEMS REMOVED OFF MY REPORT AS SOON AS POSSIBLE. THIS IS TOTALLY ILLEGAL AND THESE ARE NONE OF MY ACCOUNTS! THESE ILLEGAL ACCOUNTS ALSO PASS THE STATUE OF REPORTING AND LIMITATION BEING THAT THEY ARE UNAUTHORIZED/ILLEGAL FRAUDULENT ACCOUNTS! 


All of these accounts are TOTALLY FRAUDLENT AND ILLEGAL AND VERY MUCH INCORRECT. I WOULD LIKE THESE ITEMS REMOVED OFF OF MY REPORT AS SOON AS POSSIBLE. COLLETIONS AND AND INQUIRIES ARE ILLEGAL I WOULD LIKE THESE REMOVED AS SOON AS POSSIBLE. 

XXXX XXXX XXXX XXXX {$3100.00} Date Opened XX/XX/XXXX XXXX/DEPT OF ED {$31000.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX {$10000.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX {$8700.00} Date Opened XX/XX/XXXX Inquiries XXXX  ( Finance ) XX/XX/XXXX XXXX  ( Miscellaneous ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX  ( Finance ) XX/XX/XXXX 202
Consumer complaint received 2024-10-16
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (TX)

I submitted a claim in XXXX against Navient with the CFPB regarding a student loan defense to repayment on a private loan with XXXX XXXX XXXX XXXX Navient still has not made a decision on my claim. There is no reason this loan should not be fully discharged and all payments made on it refunded. The school in question was shut down by the DOE for fraud, Navient and it's predecessor company were in on the lending practices.

There should be no further delay to clear this loan. Navient has been aggressive, and withholding information about there even being a defense to payment program for private loans. I have spoken with the XXXX  advocate and it was suggested that I sue Navient into arbitration on this matter.
Consumer complaint received 2020-03-03
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)

i have two companies that trying to get the same money ... XXXX  XXXX XXXX  the original credit reports charge off balance XXXX ... and still report account incorrectly ... .they sold account to XXXX XXXX XXXX XXXX ... .they are asking XXXX ... ..will upload proof two letters from both companies asking ... XXXX XXXX XXXX  should not be reporting anything it should show sold/transferred they are in violation.
Consumer complaint received 2020-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

The following account was created without my knowledge, and I have no contractual agreement with the creditor : XXXX XXXX XXXX XXXX XXXX {$1000.00} Charged Off XXXX XXXX XXXX XXXX XXXX, IA XXXX. I have spoken to XXXX XXXX XXXX XXXX, and explained to them that I discovered an erroneous account in my name on my credit report. They informed me that the onus was on me to prove that I did not create this debt myself. I am a XXXX individual, and I do not have the wherewithal to go head to head with a bank to prove my innocence. The fact is, that they can not produce a contract with my wet ink signature on it. They have done damage to my commercial person, preventing me from participating in commerce at the level and status to which I am entitled.
Consumer complaint received 2020-12-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (LA)

Someone ran my credit for comenity XXXX XXXX and credit one bank. These are fraud credit inquiries o did not authorize no one to run my credit or gave anyone permission to run my credit.
Consumer complaint received 2020-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

The following account was opened in my name, and without my permission or knowledge, XXXX XXXX XXXX   XXXX {$1700.00} Charged Off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX. When I reported this to the creditor, they claimed that the onus was on me to prove that this debt was not created by me. I informed them that this account is not mine, and it has done harm to my financial viability, and I stated that I would like them to remove this negative mark from my Experian credit file immediately.