davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-20
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. (NJ)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2023-02-20
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. (FL)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-02-02
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Advance America, Cash Advance Centers, Inc. (TX)

Advance America, a loan company of whom I have an account : has taken over 1600.00 dollars from my VA XXXX account, leaving me with no funds for groceries, utilities or insurance. I am behind on my payments, and feel that I should have had some warning about this. Also I was under the impression that these XXXX funds are immune from garnishment.This company is located in XXXX, Texas.
Consumer complaint received 2022-05-20
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. (CA)

The company XXXX XXXX, previously reported to the three major bureaus that I had a bankruptcy on my credit report, and that was in fact incorrect. They have been reporting this info on my credit, and it has prevented me from opening accounts. I asked the bankruptcy court if they released information stating I filed a bankruptcy and they denied that, which i attached the letter. 

I reached out to XXXX XXXX and they also removed the information related to a bankruptcy of my report as well. I also attached that letter ( s ) stating this information as well. 


I do not know why this information is still on my report.
Consumer complaint received 2022-05-20
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: EQUIFAX, INC. (CA)

The company XXXX XXXX, previously reported to the three major bureaus that I had a bankruptcy on my credit report, and that was in fact incorrect. They have been reporting this info on my credit, and it has prevented me from opening accounts. I asked the bankruptcy court if they released information stating I filed a bankruptcy and they denied that, which i attached the letter. 

I reached out to XXXX XXXX and they also removed the information related to a bankruptcy of my report as well. I also attached that letter ( XXXX ) stating this information as well. 


I do not know why this information is still on my report.
Consumer complaint received 2022-05-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: AMERICAN EXPRESS COMPANY (VA)

American Express National Bank closed my account XX/XX/21 and refuses tell me why or disburse my funds to me. I have contacted them over XXXX times and even had a lawyer contact them. I have provided all forms of official documents to confirm my identity. Their failure to provide my funds has caused my grave financial harm including losing my home. See attachment for full text. I have reached out and have even had my lawyer reach out I have been told that my account was closed and that I needed to send emails to XXXX to have everything release this is fraudulent my husband has verification that he had sent the {$250.00} allotment to that bank account several times and it went through my account was Closed when I received a loan in the amount of {$14000.00} in my name! my money was stolen from this bank! please present the bank statements from the month and weeks prior so that it can be verified that you all allowed the deposits prior and when I received my loan you stole money and are using the {$250.00} as an excuse. it is know that the representatives hang up on customers. I have phone call time proof, I have documented everything I even have the trace number on the loan that this bank embezzled. I have proof and I am willing to present everything. I have the emails with the dates that I am still receiving, I have all of the information available. hung up on my lawyer several times as well its all documented, I have the text messages below with him stating on the dates it has happened. this bank is stealing money from its customers.i am attaching the files as well as their statement they've responded to within the other complaint they made as well as the fact that XXXX is stating they NEVER had anything to do with my Bank account, below to verify that this bank has lied as well as the recent fraud protection text messages ive received. There is nothing in the XXXX that explains why this has happened. I have even attached the XXXX policy to this case
Consumer complaint received 2022-12-16
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)

I have been a victim of identity theft and a fraudulent loan account appears on my credit files. I have reported this account to all necessary authorities and XXXX and XXXX are still reporting fraudulent account on my file that were deemed fraud by the FTC and local authorities.
Consumer complaint received 2022-12-16
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Law Offices of Hayt, Hayt & Landau, LLC (PA)

The debt was charged off by XXXX XXXX XXXX in XXXX and now there suing me for something that according to the IRS a 1099C must be filed and send a copy when they do so for a debt of {$600.00} or more as a canceled debt. This came from the IRS Publication XXXX.
Consumer complaint received 2022-05-20
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: Experian Information Solutions Inc. (AZ)

In accordance with the Fair Credit Reporting the following accounts have violated my rights : XXXX  Acct # XXXX XXXX Acct # XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX  Acct XXXX XXXX XXXX XXXX Acct # XXXX XXXX  Acct # XXXX XXXX  XXXX Acct # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX  Acct # XXXX, XXXX, XXXX XXXX XXXX Acct # XXXX XXXX  Acct # XXXX 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
Consumer complaint received 2022-05-20
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. (AZ)

In accordance with the Fair Credit Reporting the following accounts have violated my rights : XXXX  Acct # XXXX XXXX  Acct # XXXX XXXX Acct # XXXX XXXX XXXX  Acct # XXXX XXXX  Acct XXXX XXXX XXXX XXXX Acct # XXXX XXXX  Acct # XXXX XXXX  XXXX Acct # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX Acct # XXXX, XXXX, XXXX XXXX XXXX Acct # XXXX XXXX  Acct # XXXX 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
Consumer complaint received 2022-07-25
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 following inquiries are inaccurate and need to be removed as soon as possible. 

XXXX XXXX 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 multiple dates. 
XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX multiple dates XXXX XXXX XXXX multiple dates XXXX XX/XX/XXXX 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
Consumer complaint received 2022-12-16
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. (NY)

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. 

Account name : XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2022-05-20
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)

FCRA violations : accounts not mine Account info Account name XXXX  Account number XXXX Original creditor - Company sold - Account type Charge Card Date opened XX/XX/XXXX Account status Closed Payment status Charge-off Status updated XX/XX/XXXX Balance - Balance updated XX/XX/XXXX Credit limit XXXX XXXX Monthly payment {$0.00} Past due amount - Highest balance - Terms Revolving Responsibility Individual
Consumer complaint received 2022-05-20
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. (VA)

On my credit report and Experian account it is showing that I still owe XXXX XXXX XXXX student loans a balance of {$8600.00} when I made a payment to settle in full. I received a letter Saying I have a balance of {$0.00}. This was account was taken care of on XX/XX/2022. XXXX hired a company by the name of XXXX XXXX XXXX to take the payment. Their information is XXXX XXXX XXXX. XXXX XXXX, XXXX, Ohio XXXX Ph. ( XXXX ) XXXX
Consumer complaint received 2015-04-19
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (MO)

Navient illegally placed a returned payment towards my student loan account stating that there was insufficient funds in my checking account on XXXX XXXX, 2015. After contacting my bank, my financial institution verified that there was no XXXX transaction placed in the amount of {$250.00} towards my checking account from Navient. And now, I am receiving harassing calls stating that I have not made a valid payment towrd my student loan account. In which the the payment was made on XXXX XXXX, 2015, via the Navient online payment site.
Consumer complaint received 2019-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

My name is XXXX XXXX, DOB:XX/XX/XXXX, Last 4 SSN : XXXX. 

To whom this may concern, I went to check my credit report and I noticed that XXXX XXXX  XXXX has not been reporting properly. As shown on the attached file, it shows they haven't reported the account current since XXXX of XXXX. We are in XX/XX/XXXX. This is unacceptable and seeing how this is not the first time I have had to deal with this company in the past on improper reporting I don't want to play any games or play it safe. Please update my account to XX/XX/XXXX and current. 
It also shows that on XX/XX/XXXX they also have reported incorrectly and shows no info. I have disputed that inquiry with them before and as shown it still shows incorrectly. Please show current on XX/XX/XXXX month with a check mark and current. 
Thank you for your time and have a wonderful day.
Consumer complaint received 2019-07-27
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MORTGAGE CLEARING CORPORATION (OK)

I own a home in XXXX Oklahoma I bought before my marriage in XX/XX/XXXX in XX/XX/XXXX I was beaten by police and wrongfully arrested here when I called on a XXXX  XXXX as the victim and was XXXX and wrongfully arrested the charges of XXXX XXXX and XXXX in front of a minor child and 2 counts of XXXX were all dropped but they still charged me with XXXX XXXX XXXX about a couple weeks later XXXX cane into my home and told me if I didn't leave my own premarital home because I looked like an XXXX  they would take my kids into XXXX custody and I left I have since lost my home and was put in federal housing 8 months I had a pouring leak in my ceiling and couldn't get help with it plus I was invaded by violent individuals so I relinquished my apartment 4 years ago I have been homeless 4 years I am currently on XXXX finally after fighting 11 years in this city to obtain XXXX XXXX I started receiving in XXXX but I can't obtain a residence I have 4 case managers here in XXXX but no body is taking my case serious I still have a mortgage in my name but the deed isn't and I believe I should get relocation help on my mortgage company and financed in anothet home seeing anything u have in Oklahoma before marriage ia still yours after I don't see how because I couldn't obtain income note legal help to get my divorceI lost my home and am homeless I am also XXXX XXXX card holder and haven't gotten my tribe help at all i need help
Consumer complaint received 2022-05-20
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. (NJ)

Ive try several times to fix this issue and to no avail nothing happens. I will disclose the last letter that was sent to the agency. also please be aware that I am the one writing this letter. there is no 3rd party involved. I swear all information provided herein under the penalty of perjury is true and accurate to the best of my ability and knowledge.
Consumer complaint received 2022-05-20
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: Experian Information Solutions Inc. (CA)

The company XXXX XXXX, previously reported to the three major bureaus that I had a bankruptcy on my credit report, and that was in fact incorrect. They have been reporting this info on my credit, and it has prevented me from opening accounts. I asked the bankruptcy court if they released information stating I filed a bankruptcy and they denied that, which i attached the letter. 

I reached out to XXXX XXXX and they also removed the information related to a bankruptcy of my report as well. I also attached that letter ( s ) stating this information as well. 


I do not know why this information is still on my report.
Consumer complaint received 2015-12-28
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (AR)

I have a student loan with Navient. My mother signed as my cosigner to help me get a lower rate. I am able to make the monthly payments, but I would like to enroll in some form of graduated plan, which is common, or to take advantage of Navient 's offer to make interest only payments for the first year. However, Navient has informed me that I can not take either route because of the financial status of my cosigner. Since she is able to make these payments, I can not set up a graduated payment plan or make interest only payments. 

This makes XXXX sense to me. I have an agreement with Navient to pay back my loans, which is what I am trying to do. My cosigner only enters the picture if I am unable to make my loan payments. My cosigner 's financial status should not affect whether Navient allows me to set up a graduated payment plan or make interest only payments.
Consumer complaint received 2022-12-17
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. (VA)

I have disputed this several times with Equifax reporting inaccurate information in my public records regarding a bankruptcy that I filed on XXXX XXXX that I was withdrew and because it was withdrew it was dismissed. I filed a dispute with XXXX XXXX XXXX for Equifax on XX/XX/2022 on XX/XX/2022 XXXX XXXX made Equifax aware that the disputed information was removed from my credit report. I will be attaching a copy of this that was provided to CFPB and I was mailed a copy. Then on XX/XX/2022 I received an updated credit report from Equifax stating that on XXXX XXXX that the information in my public record was verified as accurate with the US BANKRUPTCY COURT AND THAT XXXX XXXX XXXX XXXX PROVIDED THIS INFORMATION WHEN THEY IN FACT STATED TO THEM THIS INFORMATION WAS INACCURATE. SO I OBTAINED INFORMATION FROM XXXX XXXX, XXXX XXXX XXXX AND US BSNKRUPTCY COURT BUT TO THIS DATE EQUIFAX HAS FAILED TO FIX THIS CAUSING HARM GO MY PUBLIC RECORD. 

EQUIFAX CREDIT FILE CONFIRMATION # XXXX
Consumer complaint received 2022-05-20
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. (NJ)

I have asked Experian, XXXX, and XXXX to show proof of how they continuously verified these accounts showing up under my social security, and they have yet to show proof and/or remove those accounts from my credit profile, I have disputed these account for the past XXXX, asking each credit reporting agency to provide proof of how they verifed these account, and show proper documentation. Accounts below : XXXX XXXX  XXXX Account number XXXX Account name XXXXXXXX XXXX XXXX XXXX Account Number XXXX Account name XXXX Account number XXXX Account name XXXX XXXX ( {$20000.00} ) Account Number XXXX XXXX XXXX ( {$8500.00} ) XXXX XXXX XXXX ( {$0.00} ) XXXX XXXX  Account Number XXXX XXXX  Account Number XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2022-12-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Dynamic Recovery Solutions, LLC (TX)

I sent a letter on XX/XX/2022 requesting documentation that I authorize anyone to share my information with a third party company.. I requested things like my signature saying it was okay for them to share my health information but I didnt receive proof and so these accounts need to be deleted