davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-05-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (NJ)

Submitted all proper identification along with police report from town that identity theft was based out of and experience still wo n't remove. This is my second time disputing with them. 1st they tell me I need to send in a Police report. Now finally I get the police report. They want it notarized. My credit has suffered long enough. This will also be the 2nd time you guys get involved as well with my fight with experian.
Consumer complaint received 2019-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I disputted this account with XXXX in the pass and it was removed from my credit report now Transunion has re-inserted to my credit report this account was a result of fraud the account was open by a Idenitiy Thief. and Transunion is violating my rights under the FCRA.
Consumer complaint received 2022-01-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

I AM WRITING TO DELETE THE FOLLOWING INFORMATION N MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. 
I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE.
Consumer complaint received 2022-12-19
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. (GA)

I value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an XXXX XXXX XXXX  # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX/XXXX/XXXX
Consumer complaint received 2024-03-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

On XX/XX/2021, I disputed an information ( collection account ) on my credit reports as I did not receive any form of communication from the collection agency, XXXX XXXX XXXX. The negative information is still on my credit reports and is causing me to being denied housing as well as being charged higher interest rates & fees. 

I have been disputing this collection account but every time I get informed that the information is accurate. 

I never signed a contract with the collection agency- XXXX XXXX XXXX, so unless the agency shows proof of me having signed a contract with them then the collection account need to be deleted from my credit reports.
Consumer complaint received 2022-05-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I reported that my credit card had been stolen on XX/XX/2022. Bank of America sent me a new card on XX/XX/2022 and I never received the card. No purchases were made on my account since XXXX because I did not have a card. On XX/XX/2022 fraudulent purchases began to show up on my card statement up until XX/XX/2022. I noticed it and reported the fraudulent purchases and all of my money was returned from those purchases besides one transaction on XX/XX/2022 for {$460.00}. I did not have possession of this card at all. I never received the card. I was told that my chip was read, my pin was entered, and/or I signed for the merchandise or service, which indicates I or someone I allowed to use my card was present. This is not possible. I did not have the card and this transaction took place during the time frame where the fraudulent transactions were taking place. Someone may have signed for the purchases and it was not me. I never had possession of the card. I called bank of America to get it resolved nothing materialize.
Consumer complaint received 2017-07-27
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. (IN)

I currently owe {$76000.00} in student loans used to put my children through college. My wife has {$140000.00} in student loans putting the same children through college. The student loans under my name are serviced through Navient and XXXX. The student loans under my wife 's name is serviced by XXXX.
All these loans were approved based on my income. My wife does not work.
I wanted to consolidate these loans under one servicer and come up with a income based payment plan. The servicers said that was not possible. I do n't understand why since I was the sole income guarantor why these loans can not be consolidated under one servicer so I can get a fair payment plan setup.
I believe I was improperly informed by the servicers who offered me deferment options so they could benefit by receiving more interest. I do n't believe the servicers acted in my best interest. It is difficult to forward this to a single server because through consolidations the servicers have changed. Interest is not accurately reported because each time I was advised to consolidate, the interest is converted to capital and added onto the total of the principle owed. After paying for the last two years my balance has gone from {$220000.00} down to {$220000.00} an overall reduction of only {$230.00}. At this rate I will die before I can ever repay this loan.
Consumer complaint received 2023-10-17
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. (GA)

I recently reviewed my credit report and found unauthorized inquiries. I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose.

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

Remove CHAPTER XXXX BANKRUPTCY : BANKRUPTCY XXXX. The court itself do not furnish any of this information to the credit bureaus. They do not provide any proof to justify their reporting. XXXX sold this information to the credit bureaus which is illegal.. Please get this public information removed because it is a violation of the Fair Credit Reporting Act to report false information
Consumer complaint received 2023-06-23
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. (NY)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in 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 XXXXXX/XX/2023
Consumer complaint received 2019-06-27
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. (FL)

XXXX and/or the credit bureaus are reflecting late payments on my credit files from XXXX and XXXX although a retroactive forbearance was in place. Moreover, the late payments are essentially more than seven ( 7 ) years old. This information has been disputed directly with XXXX and with the credit bureaus and is potentially pending litigation.
Consumer complaint received 2017-07-27
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (NY)

In 2009 I took out my 1st private loan with XXXX XXXX. I was uneducated on how the loan system worked but needed the money to finance school. Over the course of 4-5 years I accumulated a total of {$140000.00} + in private loans. Once my graduating grace period was over I had to repay them. I put them in forbearance without proper advisement from the loan company. I was totally unaware that there was only a certain amount of allotted time for different repayment options. Now 8 years later I am being forced to make unreasonable monthly payments of $ 900+ which leaves me with no money to survive with. Most months I 'm unable to make the payment and Navient ( formerly XXXX XXXX ) is unwavering on their decision. They are n't trying to work with me at all. I have children and {$900.00} a month is a huge amount for anyone to pay.
Consumer complaint received 2017-07-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PLANET HOME LENDING, LLC (GA)

They are trying to foreclose on my house with fraudulent documents A Affidavit of Notice and a revocation power of attorney was filed in the Real Estate Division XXXX county. They are using fraudelant documents to take possession of my home.. I asked for a judical foreclosure based on the PSA. I was in the process of a modification when they initiated the foreclosure which is a part of dual tracking and a violation
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2023-04-19
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. (MD)

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 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 2019-06-27
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. (MI)

I disputed a collection account from XXXX XXXX that was incorrectly reported. On XX/XX/19 the information was updated as paid and it states it is going to sit on my credit report for 4 years. I had two accounts and they deleted the other one.
Consumer complaint received 2015-06-25
Product: Credit card — 
Issue: APR or interest rate — 
Company: AMERICAN EXPRESS COMPANY (GA)

Recently, American express increased ( XXXX ) my interest rate because of a supposed penaly APR due to late payments. They said that I made XXXX late payments ( none more than XXXX days late ) and I have no choice but to pay the additional monthly interest of about {$170.00} per month.I called them to discuss and even got a supervisor to try to get this turned back to the old rate.. They showed absolutely no empathy and were basically saying tough. I even offered to have the montly payments automatically deducted so their would be no future lateness. Again, they could just care less. I was absolutely furious. 
This credit card was in my business name, The XXXX XXXX. My company went out of business in XXXX due to the Financial crisis. I could have just filed bankruptcy and avoided paying any of my creditors but that is now how I am made up. Its a principle with me to pay my debts. Since this time, I have never missed a payment. I am intent on paying them every last dime that I owe them. My question is this : I am a working Mom with XXXX children to support. I am struggling to just get buy. In XXXX, American express cancelled my card because I did not get them my tax returns in the XXXX weeks time that they stated I needed to, and this just out of the blue. I never signed anything with Amex agreeing to pay a penalty APR. I can understand late payment fees, but how can someone just double the interest rate? I thought Loan sharking was illegal? I thought the credit card act of 2009 made it illegal to change the interest rates on existing balance? I see Amex lost their contracts with XXXX and XXXX and it looks like they are desperately trying to increase their profits at the American consumers expense. This process of penalty APR 's is absolute predatory lending, is completely unfair and is just morally wrong. I can not believe for a moment that this type of conduct can be allowed. I basically have a choice, either pay them this extra money or buy groceries??? I paid them the normal payment of {$300.00} on XXXX. I can not and will not pay this extortion APR. While making the payment on the phone with them, I was actually berated by their rep because I was not paying the " penalty '' This is ridiculous. I am hoping that you can intervene in this situation and get my interest rate back to where it should be. But even more than that ... I am hoping that you can do something to stopn doing this to other people. People who are struggling sometimes make late payments. They pay the price with late fees. Doubling the interest rate and " penalizing '' these same people is unconscionable. Something needs to be done to stop this! I am going to write all my Senators, congressman and alert every single media, news and internet provider out there to put pressure on these monsters so this strops. Its just completely Unamerican and if it is not illegal, it should be. Consumers need to be protected from these people. If we can not rely on the CFPB, then who? Thank you so much for your attention to this matter.
Consumer complaint received 2024-03-18
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: TRUIST FINANCIAL CORPORATION (NJ)

After careful review of my consumer report, I still noticed that you furnished inaccurate information on my consumer report that should not be there pursuant 15 USC 1681i and 15 USC 1681e ( b ) Accuracy of Report ; You have furnished inaccurate information which is illegal! You have violated XXXX Compliance procedures and format for reporting! And youre reporting transactions and experiences that are to be excluded from the consumer report pursuant 15 USC 1681a ( d ) 2 ( A ) I and charge offs are considered income according to the IRS and excluded from the consumer report. You continue to violate my federally protected consumer rights so Im exercising my right to opt-out of reporting these accounts on my credit file pursuant 16 CFR313 and The Privacy Act of 1974. Im opting out all information thats not accurate and pursuant 15 USC 6802, 15 USC 6803, 15 USC 6804 ; any authorization given, written or verbal is now RESCINDED! It is effective immediately! I demand attached accounts be deleted from all consumer reports including XXXX, XXXX, XXXX, XXXX and XXXX. And according to the documentation provided by the Secretary of State Uniform Commercial Code Certification, there is no record of any lien from any company against me. I have supporting documentation from the Secretary of State to validate my claim. I also have proof of public legal notice, that all the liabilities been transferred to the Revocable Living Trust `` Baker Legacy Preservation Trust ''. Therefore, any negative accounts listed on my consumer report is inaccurate and erroneous and must be DELETED from my credit file. My consumer report should be free and clear of any negative and false items. -Please See Attached
Consumer complaint received 2023-10-17
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. (PA)

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 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 2022-05-30
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (AL)

I was pending XXXX from XX/XX/XXXX to XX/XX/XXXX. I was approved in XX/XX/XXXX. XXXX XXXX was completely aware of my situation and provided no assistance with my credit reporting. XXXX and myself entered into a new Settlement agreement in XX/XX/XXXX. They reduced my amount owed and monthly payments. I have made every payment on time. I provided Experian and XXXX with the terms of that new agreement. Although, I have been responsible for my part of the agreement since XX/XX/XXXX, XXXX continue to report to the Bureau the original terms of the agreement as if they aren't expecting a lesser payment. They have my account 150 days past dew. Settling my account is a negative on my credit to begin with. I should not be subject to monthly untruths.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense XXXX  this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.