davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-26
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. (CO)

XXXX  ; Experian and XXXX  are reporting incorrectly a collection/charge-off in the amount of {$18000.00}, on the US DEPT ED partial account number XXXX. XXXX  ; Experian and XXXX  are reporting incorrectly a collection/charge-off in the amount of {$42000.00} on the US DEPT ED partial account number XXXX. ( Please see pages attached from my credit report. ) These loans have been consolidated and I have been making on-time monthly payments to these accounts and the amounts being reported are inaccurate and the lates that are reporting are completely false. I have made ( 3 ) consecutive on-time monthly payments and therefore these accounts should not be reporting at all. I have attached a copy of the consolidation paperwork dated XXXX for reference. These line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2024-04-11
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (NC)

Despite expressing that the constant increase in payments is outside of our range we keep getting quoted higher and higher monthly amounts with no end in sight. Explain how the cost keeps increasing if Im paying the interest every month? How am I supposed to even pay this back? Absolutely sickening how much Ive already paid and how I still owe more than I borrowed, yet interest rates keep magically climbing with no heads up.
Consumer complaint received 2020-03-26
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. (CO)

XXXX  ; XXXX  and Transunion are reporting incorrectly a collection/charge-off in the amount of {$18000.00}, on the US DEPT ED partial account number XXXX. XXXX  ; XXXX  and Transunion are reporting incorrectly a collection/charge-off in the amount of {$42000.00} on the US DEPT ED partial account number XXXX. ( Please see pages attached from my credit report. ) These loans have been consolidated and I have been making on-time monthly payments to these accounts and the amounts being reported are inaccurate and the lates that are reporting are completely false. I have made ( 3 ) consecutive on-time monthly payments and therefore these accounts should not be reporting at all. I have attached a copy of the consolidation paperwork dated XX/XX/2020for reference. These line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2020-03-26
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. (UT)

XXXX XXXX is reporting an incorrect status on my account. I fell back behind on payments a few years ago. Since then I have been making my payments on time with no problems. However, the way that they are reporting on my credit is causing me problems. I have not had any issues and ask that you please update my account to show " current, or paid as agreed '' and remove the repo code on it. It is not a repo and I have been making payments on time for the past couple of years.
Consumer complaint received 2020-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (UT)

XXXX XXXX is reporting an incorrect status on my account. I fell back behind on payments a few years ago. Since then I have been making my payments on time with no problems. However, the way that they are reporting on my credit is causing me problems. I have not had any issues and ask that you please update my account to show " current, or paid as agreed '' and remove the repo code on it. It is not a repo and I have been making payments on time for the past couple of years.
Consumer complaint received 2020-03-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY (CT)

A pending refund from XXXX is being held, pending review, dated XX/XX/22 in the amount of {$59.00}. The item shows as posted, funds held for reasons unknown to me. This item was mentioned in a prior complaint filed with CFPB among others. Since filing prior complaint, it appears all items are released from pending status aside from this one..Currently, this is the only transaction on hold. I need use of these funds, I am currently on furlough with my employer and on unemployment, funds are scarce.
Consumer complaint received 2020-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (PA)

I have filed a dispute in regards to the incorrect information that's on my credit report. Which relates to late payments. It has been well over 30 days, and I haven't received any investigation results. Listed below are the dates and amounts. 

Credit Bureau : XXXX  XXXX CARD XX/XX/2019 XX/XX/2019 $ XXXX   Monthly Payments XXXX XXXX XXXX XXXX XX/XX/2019 XX/XX/2019 XX/XX/2019 $ XXXX  Monthly Payments XXXX XXXX XXXX XXXX XX/XX/2019 XX/XX/2019 $ XXXX  Monthly Payments Sunoco/CBNA XX/XX/2019 $ XXXX  Monthly Payments
Consumer complaint received 2020-03-26
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CNG HOLDINGS INC (CA)

I was contacted multiple times by this company demanding payments that were incorrect I have also submitted in writing disputing the amount this company and XXXX XXXX XXXX were both sued multiple times for overcharging customers false advertisement and incorrect billing they also have been alerted multiple times to the XXXX XXXX XXXX and have a alert placed On their company and there was a class action lawsuit that I wasnt was not aware about until now. My fianc has passed away and I need everything to repair my credit and this is the only creditor that has yet to resolve this issue I would like to have this removed from my credit report due to incorrect in overcharged fees and harassment Attached is proof of the above information.
Consumer complaint received 2020-03-26
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Lost or stolen check — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/2020, me and my husband drove up to a bank of America atm to deposit a check in the amount of {$760.00}. Upon inserting the check into the atm, the system suddenly rebooted, resulting in the atm eating the check. Customer service was called immediately following the incedent from the location of the atm, and a claim was made. We were then instructed by the customer service agent that it was okay to drive away from the atm. After the claim was investigated, we were sent a letter claiming that the location of the original transaction was located, but that the check itself was not found. 

I am aware that these atms are equipped with video recording for security purposes, so video of me and my husband inserting said check must have been viewed to verify the location of the incident. As to why the check in question was unable to be located is something i can not understand, given that the check itself would have my name and adresss since it is employer issued. 

As a result, the credit issued by the bank is now being removed on XX/XX/XXXX. I feel that there is indeed substantial evidence of the situation, and that the institution took a careless approach in resolving the issue, especially considering that there was video surveillance installed at the atm, during the day and time of the incident.
Consumer complaint received 2019-12-16
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. (NY)

Due to XXXX Breach back in XX/XX/XXXX I've become a victim of identity fraud - some of my personal information but not limited to get into public access. Since then I've been fiercer-fully struggling to keep my information protected and put a id fraud notice on my credit report with all 3 major bureaus - XXXX, XXXX and transunion.In XX/XX/XXXX I've discovered that some of the addresses I've never resided at been reported. After a phone call I've discovered that there are 2 credit accounts were opened on a person XXXX XXXX XXXX, using my credentials - such as SSN. I've reported such activities to FTC Identity Fraud Department and called XXXX XXXX XXXX. They assured me that they will start investigation. At the same time, I've reported such activities to XXXX. XXXX requested additional documents to proof my point which had been sent to them via USPS XXXX. As of XX/XX/XXXX, literally nothing had been done - these fraudulent accounts still could be seen on my report.
Consumer complaint received 2019-04-16
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (TX)

Spoke to Collection and told them the debt is not valid as it has termination fee involve, XXXX also promised to waive termination fee due to a previous resolution from FCRA about some billing issue if i wanted to switch energy company. I was send a bill that XXXX charged me XXXX after i paid a XXXX fee after my XX/XX/XXXX previous disconnection notice, and i am being sent a {$97.00} bill by Convergent
Consumer complaint received 2020-03-26
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. (MO)

I have been trying since 2016 to get XXXX, XXXX  and Experian to correct my credit report. They take anything the creditor gives them and then closes the case. I am never notified, questioned or involved in the so called " investigation ''. I have supplied Identity Theft Reports, Case # 's, Emails to them proving my case. The original creditor no longer own the debt. I call and call and get no response. I have mailed things to the CFPB proving my case. I get empty promises, language barriers and forwarded to endless ringing lines, XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX are the worst. XXXX XXXX and XXXX Bank are the worst to deal with. This is a one sided problem that needs to be fixed. I will be taking legal action immediately if this does not get resolved. This is fraud and as a US Citizen I want justice. It should not come to this. I have paid what I owe and done my due diligence. I am prepared to stand up for my rights as a taxpayer. I have asked for signed documents by me with my handwriting proving these accounts were mine and charges were me. I have never got anything. Every month my scores just drop. Please contact me so we can work together on getting justice for me. I am involved in so many data breaches and have not gotten any justice from that. The attorneys sure have. That is wrong. I am human too.
Consumer complaint received 2024-01-03
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 just obtained a copy of my credit reports and it shows unauthorized and fraudulent inquiries. 

Please see the copy of my dispute letters attached on this complaint The said inquiries are still showing on my credit report and it seems Bureau is ignoring my concern
Consumer complaint received 2020-03-26
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. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX TransUnion LLC XXXXXXXX XXXX XXXX  XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-05
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'm filing this complaint to alert you that I was the victim of identity theft. I researched how to remove the fraudulent accounts from my report and discovered that I needed to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report and that Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report per FCRA section 605b. Please see the ATTACHED materials for assistance in preventing the incorrect information that is being uploaded to my report. The following is a list of accounts and objects that do not belong to me or were opened without my authorization. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. According to FCRA Section 605B ( a ), CREDIT REPORTING AGENCIES must block any information in a customer 's file that the consumer designates as information resulting from an alleged identity theft within four business days of receipt.
Consumer complaint received 2022-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Upon reviewing my credit file, incorrect information were found in my reports. The TransUnion, XXXX, and XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act and may be investigated by the Federal Trade Commission. 

XXXX : XXXX XXXX  XXXX Balance : {$27000.00} XXXX : XXXX XXXX  XXXX Balance : {$27000.00} TransUnion : XXXX XXXX XXXX Balance : {$28000.00}
Consumer complaint received 2023-02-17
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: Flexible Finance, Inc. (NC)

Im a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX there is a company called Flexable Finance thats was said to be opened XX/XX/2022. And is claiming I owe then XXXX mo or {$1200.00} on XXXX credit reporting. My rent comes out direct deposit to XXXX XXXX XXXX XXXX NC {$1300.00} nothing goes to any Flexable Finance and they keep charging rental payments I called my rental office and all Im told Id Flex only has a email and there is nothing that can be done meanwhile XXXX is not only getting my full months rent directly withdrew from my checking on the 3rd of every month they are getting paid by this flex finance keeping the money and flex is charging me. My credit went from XXXX to XXXX with XXXX XXXX with XXXX. Flexible Finance only number and all you will get is a email is XXXX. My rental mgr XXXXXXXX knows I pay every month on time but says his hands are tied because you cant get in contact with anyone XXXX office number is XXXX XXXX XXXX. XXXX is manager
Consumer complaint received 2022-11-05
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. (GA)

I'm filing this complaint to alert you that I was the victim of identity theft. I researched how to remove the fraudulent accounts from my report and discovered that I needed to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report and that Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report per FCRA section 605b. Please see the ATTACHED materials for assistance in preventing the incorrect information that is being uploaded to my report. The following is a list of accounts and objects that do not belong to me or were opened without my authorization. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ), CREDIT REPORTING AGENCIES must block any information in a customer 's file that the consumer designates as information resulting from an alleged identity theft within four business days of receipt.
Consumer complaint received 2022-12-28
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. (CA)

XX/XX/XXXX I sent dispute letters certified mail, tracking XXXX notifying of that I was avictim of Identity theft.I filed a FTC AFFIDAVIT along with claims of the XXXX settlement and the XXXX XXXX Data breach Breach notices. 
My report had erroneous names, addresses, phone numbers and accounts that I did not open. 
FRCA laws states I have a fair and accurate reporting o on report. 15 U.S.C 1681 ( a ) all must be accurate and in a timely manner. 
XXXX illegally opened a dispute on my credit report at XXXX XXXX  on XX/XX/2022 and withing 35 minutes, they said it was verified. I spoke to the customer service from XXXX and XXXX said they dont do investigations. I believe this is violation of my rights under the FRCA and also under 15 U.S.C 1681 codes. There were XXXXwo fraudulant XXXX XXXX accounts, one has been deleted and one is updated. Both accounts should be deleted not just one. This proves that the credit bureaus that they are not acting according to law. Now XXXX XXXX and XXXX shows another different account number from my original report, Acct XXXX was deleted. 
Now XXXX puts on my report the same account with different account number for the same deleted XXXX XXXX XXXX XXXX acount. 
I have sent the original FTC affidavit with those accounts to prove they are were originally that account number nut, now shows diiferent. 

XXXX  XXXX was deleted but XXXX and XXXX XXXX have fraudualntly added XXXX to my report, this is the same account with a different number. More proof of violations of my rights by not investugating and furnishing accurate data. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-28
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. (DE)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish. an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.