davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have reached out to Transunion multiple times about this company. I am not sure how they were able to access my information with a freeze on my account. I did not approve this inquiry. Nor do I have any products or service with this company. I will be attaching my Transunion report along with my XXXX report. You shall see that my Transunion account has been lock since 2019. You will also see that my other credit reports have no record of this company that got access to my Transunion credit report.
Consumer complaint received 2020-06-11
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Navient Solutions, LLC. (FL)

I do not wish to file a complaint, but I had a question on the reporting/deletion process. there was no other way for me to submit my question online. 

I am currently working with a consumer advocate at Navient trying to get an old paid/settled loan deleted from my credit report. this loan was paid off in a settlement back in 2015. in the past, Navient has deleted old account, that have been closed/transferred for more than 24 months. I submitted a request to have a " goodwill '' deletion of my old paid off account as it was holding up the process of me buying a house. my consumer advocate stated that the Fair credit reporting act prohibits them from deleting the account at their discretion. I was advised to dispute the account with the reporting agencies in hopes of them deleting it. I forwarded them a letter they had sent to someone else granting them the deletion of an old closed account that was transferred to another lender after 24 months of being closed. I questioned the difference between a transferred and a paid account, at which they could not provide me with an answer. either way, the account is satisfied with Navient, and the same at least 24 months had passed. Why could the account not be deleted? The only answer I got was the FCRA forbids them from deleting this. I found this hard to believe. I asked them to mention what section forbids them from doing so. they can not provide the answer, they advised they will have their legal team look into it. I have had success from other banks and lenders on deleting accounts at their discretion. do you know of any parts of the FCRA that prohibits Navient from making the judgement to delete an old, paid off account?
Consumer complaint received 2022-02-28
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. (CA)

I sold my property at XXXX XXXX XXXX, XXXX XXXX, CA XXXX in XX/XX/2021. The HELOC was paid off with XXXXXXXX XXXX. XXXX XXXX  are now contacting me saying that they took over the loan and I owe money. Attached is the final disbursement from the title company and a copy of the wire transfer.
Consumer complaint received 2020-08-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY (TN)

I have several issues where from being impacted by credit use that several times took negative turns increasing pressure to where it is and the pandemic are warranting a need for cfpb protectoin. Amex, and others are treating the pandemic differently and reporting is at the heart of the issue. Complete and Accurate reporting accounting standards dictate that being impacted by the pandemic be reported to the credit bureaus. This is not being done and in cases where it is being done it is only done if there is a program in place which many times one never even existed so it was never done. This leads to many issues. First if it is not reported to credit bureaus that deliquency is a result of pandemic impact the agencies do not have the data of who is effected and for how long. Second, there is no basis for efforts by the lenders and credit agencies to limit the length of exposure for pandemic impact delinquency. If it was reported this would serve as powerful data that absolutely is a requirement for millions of americans greatly impacted and for myself I will likely be forced into an unnecessary bankruptcy and I am hounded constantly with over 15 calls in a typical day ranging from XXXX to the evening.
Consumer complaint received 2020-06-11
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. This suspicious item is not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove this item from my report : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, DEPT OF ED/XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX/XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-11
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX  to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. This suspicious item is not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove this item from my report : DPT EDXXXX, DEPT OF ED/XXXX, XXXX XXXX XXXX  XXXX XXXX Company Inquiries : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX
Consumer complaint received 2020-06-11
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. This suspicious item is not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove this item from my report : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, DEPT OF ED/XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  Company Inquiries : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (TX)

They have a XXXX annual fee to use airport lounges that have been closed since XXXX and I asked for a partial credit and they denied. All other premium credit cards have already offered this but Amex and their foreign customer service agents just dont comprehend why this is an issue, they sound like robots reading off a script.
Consumer complaint received 2020-06-11
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: Experian Information Solutions Inc. (AZ)

I disputed multiple inquiries on my Experian report over 30 days ago that I did not approve of and I've gotten no response from the credit bureau and the inquiries are still there and they don't report as being disputed. 

I have also reached out to the creditors that did the inquiry and they couldn't tell me anything except that someone tried to get a car loan under my name. I asked for the credit applications with my signature and they couldn't provide anything. 

The dates for these inquiries are XX/XX/XXXX and XXXX of 2020.
Consumer complaint received 2020-06-11
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life This suspicious item is not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove this item from my report : XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2023-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. 
Please see this complaint is processed to the letter of the law. I am worn-out of sending dispute letters to XXXX, XXXX and Transunion requesting that they correct this mistaken account being stated on my XXXX XXXX because they have been doing nothing! This complaint is to follow up on my prior protests and letters I submitted on Decemebr XXXX, XXXX, and to notify them that I am halfway to taking lawful action and litigate XXXX, XXXX and Transunion 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 Open Date XX/XX/XXXX Balance : XX/XX/XXXX
Consumer complaint received 2020-06-11
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life This suspicious item is not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove this item from my report : XXXX XXXX, XXXX XXXX XXXX, RR XXXX XXXX, XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX 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 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (TX)

PLEASE BLOCKED AND REMOVED. 
The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.
Consumer complaint received 2020-06-11
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. This suspicious item is not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove this item from my report : XXXX XXXX XXXX XXXX, DEPT OF ED/XXXX, DEPT OF EDUCATION/XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, U S DEPT OF EDXXXX, XXXX XXXX XXXX Company Inquiries : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-11
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. This suspicious item is not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove this item from my report : XXXX XXXX XXXX XXXX, DEPT OF ED/XXXX, DEPT OF EDUCATION/XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, U S DEPT OF EDXXXX, XXXX XXXX XXXX Company Inquiries : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-11
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: NAVY FEDERAL CREDIT UNION (CA)

Navy Federal Cr Union $ in XXXX, {$26000.00}. I have reached out to Navy federal in regards to these fraudulent accounts. I have inform this company of my identity theft. No results have been made. This is violating the fair credit reporting act. Im requesting your assistance with having these accounts deleted from reporting to my credit
Consumer complaint received 2020-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (AL)

Experian has ar itrairily added a fraud alert to my credit file without my approval, permission or request. This is preventing me from obtaining necessary credit. I have sent several letters along with the requested information to have this remived yet they refuse.
Consumer complaint received 2020-06-11
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (IA)

A lady named XXXX XXXX called and claims she works for XXXX XXXX XXXX or as she refers to it, " XXXX '' ... she's saying I owe them for a Capital One account I opened in XXXX!! XXXX! It's XXXX now! You're telling me after 12 years you're trying to collect a debt from a credit card that had a {$500.00} limit on it? I had this card when I was XXXX years old and I am now XXXX, going on XXXX. She said it didn't hit delinquency until XXXX which has to be an absolute lie. She's telling me I owe them for over {$2500.00} and that if I do not pay or settle that they will be filing paperwork at end of business today ( XX/XX/XXXX ) to get their legal attorney involved. They say their attorney 's name is XXXX XXXX and he works for XXXX as well. This seems very scammy, very off, and they had the wrong address on my paperwork they sent me via XXXX   but said my correct address to me on the phone. I chose to not give them information or money ... Seems extremely fishy. Her phone number is XXXX
Consumer complaint received 2020-06-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I requested a replacement card three times every time I've been unable to be activated so I have any emails compromised internet and rerouted customer service phone calls I am fed up tired of all this mess is been going on for quite some time now and this is not the only thing that has done this
Consumer complaint received 2022-01-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My identity may have been used by someone else to open fraudulent accounts. This has resulted in the following ; XXXX XXXX XXXX, US DEPT ED Account Number : XXXX, US DEPT ED Account Number : XXXX. 

I am seeking to have the potential FRAUDULENT information removed from my credit reports. attached below was sent to the credit bureaus months ago, documentation supporting my claims. The credit bureaus are still reporting the potential FRAUDULENT items.
Consumer complaint received 2020-08-04
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)

I have made 2 complaints against Transunion with the CFPB this would be the 3rd. They have never responded correctly to all my request in thses complaints Transunion has still reported the two XXXX accounts but has removed both Department of ed/XXXX XXXX accounts when they should all show as paid in full. They have recently just placed XXXX/XXXX back on my account after removing months ago. They are still reporting XXXX XXXX with a balance of {$770.00} which was also paid in XX/XX/2019 and reported to all 3 credit agencies as paid with last payment showing as received. Please see attached previous claims/complaints and the attachments on all other complaints filed. I have additional documentation that I would be glad to mail or email my computer will not allow me to attach them again but they are included in the previous complaints.
Consumer complaint received 2020-06-11
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: Credit Plus Inc (TN)

I have contacted credit plus both by phone and by mail to request the removal of an unauthorized inquiry on my credit report that was done by me or with my consent and has dropped my credit score it has been over two months it has not been a response and the inquiry remains
Consumer complaint received 2020-06-11
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: EQUIFAX, INC. (TN)

Unauthorized hard inquiry that I did not consent to continue to report in credit report after 2 prior letters to both the lender and credit bureaus no response its been nearly 90 days since the last letter it has damaged my personal credit score XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-11
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: CREDIT ACCEPTANCE CORPORATION (TN)

Unauthorized hard inquiry that I did not consent to continue to report in credit report after 2 prior letters to both the lender and credit bureaus no response its been nearly 90 days since the last letter it has damaged my personal credit score XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-11
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. (AR)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX XXXX XXXX XXXX {$3400.00} XXXX XXXX {$32000.00} XXXX XXXX {$350.00} XXXX   XXXX {$360.00} XXXX XXXX {$830.00} XXXX XXXX {$1000.00}
Consumer complaint received 2022-02-28
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. (CT)

Original account opened for a XXXX XXXX XXXX  XXXX XXXX account number XXXX opened in XXXX, not XX/XX/XXXX, debt collector XXXX XXXX violated FRCA, listed an old debt as new, " re-aging '' a debt is violation under FRCA. XXXX XXXX opened the account in XXXX not consumer. Dispute about account filed with Experian, all I get back is a computer generated print out not addressing what I was actually disputing. They are obligated by law to report accurate information.
Consumer complaint received 2024-01-10
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. (GA)

Despite my previous 4 written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They stated in their responses to my 4 dispute letters that they have verified that the items listed are accurate but they failed to send me copies of the documents that they used to verify these accounts as per my request. The fact that they have ignored my request to send me copies of the documents that they used to verify the disputed accounts is evidence that they can not and did not verify any of the disputed accounts like they said they did. Their failure to delete the disputed accounts that they can not verify after two written requests is also evidence of their willful disregard of Federal Law.