davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-18
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. (CO)

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.

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 2022-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: HW Holding, Inc (WA)

Hi my name is XXXX XXXX and I was living in XXXX XXXX XXXX and I had to leave because I couldn't afford it anymore at the time because of work issues. When I left I cleaned up the apartment and left in good terms with them other then that i was behind 3 months of rent, which with the late fees came to around XXXX XXXX it is in collection right now with hunter Warfield for around XXXX XXXX. It's unfair for them to add that much it.
Consumer complaint received 2022-01-31
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. (IL)

to account type. These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-01-05
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 have contacted TransUnion and several creditors that obtained my credit report without authorization, and demanded to see any legit authorization from me. No one has provided any proof, not the creditors, not the credit reporting agency. XXXX, XXXX and TransUnion should request to see proof that proper authorization was obtained to request credit reports. They admit that no documentation is required to obtain credit reports. This practice is fraudulent, illegal. This constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy.
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2021-09-05
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: CREDIT ACCEPTANCE CORPORATION (FL)

MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( FCRA ). PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE ( FCRA ) DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! XXXX violated 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681 ( A ) ( 2 ), 15 usc 1692j ( a ), 15 usc 1681e ( b ), and 15 usc 6801 ( a ) ( 1 ).
Consumer complaint received 2023-02-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (LA)

Sallie Mae then Navient I paid for the loan through them for over 15 years and the loan never came down they just stole money I paid back triple the amount I borrowed I had it moved to XXXX and they forgave loan Navient owes me a lot of money back as a refund
Consumer complaint received 2020-03-30
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)

I applied for a XXXX credit card today XX/XX/2020 and I was not approved. I was confused as to why I didn't get approved since I have a great credit history. I looked through my credit report and I saw several accounts and inquiries on my report that are not mine. I did not open any of those accounts and after making some phone calls I found out that those accounts were opened by a person named XXXX XXXX without my permission. I did not benefit anything from these accounts such as money, goods, services or any other benefit and I did not make any purchases nor did I make any payments towards any account. I have already filed a police report regarding this matter as well as filed a complaint with the Consumer Financial Protection Bureau.
Consumer complaint received 2022-01-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (TN)

XXXX SYNCHRONY BANK XXXX XX/XX/2021 {$440.00} XXXX SYNCH-XXXX**** XX/XX/2021 {$440.00}
Consumer complaint received 2019-12-20
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (AZ)

XX/XX/2019 XXXX XXXX tried to check my balance and received a message that the site was down. Message says American Express Serve website is offline. 
The site is down right now. You can still use your Serve Card while we are working hard to bring you the American Express standard of service you expect. We  appreciate your patience. 
XX/XX/2019 XXXX XXXX Tried to make a purchase and the card declined XX/XX/2019 XXXX XXXX Called American Express Serve and was told via automated response that they had system issues and could not process my call. 
XX/XX/2019 XXXX XXXX Called American Express Serve and waited on hold for 15 minutes. A person by the name of " XXXX '' answered and gave no information. He gave no ETA on their system and told me to call back in 2 to 3 hours. I explained to him that customers are being left stranded, sitting at stores where they have received services and now can not pay and he responded " call back in 2 to 3 hours '' This is not acceptable
Consumer complaint received 2022-01-31
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 was a victim of Identity Theft. On XX/XX/2021 I have submitted my Federal Trade Commission Report to all three major bureaus ( XXXX, XXXX, Experian ) to further confirm my status as a Victim of Identity Theft that was caused due to the XXXX DATA BREACH. 
This has caused a lot of headaches to my livelihood and not being able to properly use my credit when needed. I have been denied access to loans, credit, mortgages as a result of this.
Consumer complaint received 2022-01-31
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. (FL)

I was a victim of Identity Theft. On XX/XX/2021 I have submitted my Federal Trade Commission Report to all three major bureaus ( Equifax, XXXX, XXXX ) to further confirm my status as a Victim of Identity Theft that was caused due to the EQUIFAX DATA BREACH. 
This has caused a lot of headaches to my livelihood and not being able to properly use my credit when needed. I have been denied access to loans, credit, mortgages as a result of this.
Consumer complaint received 2022-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P. (FL)

Re : Duplicate paid Collection/FCRA statue of limitations over 7 years old LVNV Funding XXXX Unpaid XXXX  XXXX collection {$640.00}. Contacted collector at ( XXXX ) XXXX. 

This collection was reporting twice by two difference collection agencies. I paid one of them and settled for less last year and one of them was removed. I called them to tell the other agency ( LVNV ) that it was paid and they have not removed it nor verified it as a valid debt owed. Since Im buying a property I can not have open disputes but this is clearly something that needs to be removed immediately. They know it was a card from XX/XX/2015 and both were opened and originated the same month and year for the same credit limit with XXXX XXXX and same amount owed. Its clearly a duplicate account and they assign account numbers by their agency and not by the actual credit card numbers. They can not even validate it using the credit card numbers because they simply do not even have that information to even collect on it. Not only was this paid last year but it is also past the 7 years. Please have this removed since its not supposed to be on my credit report and was paid for. They do not have any evidence of this debt being owed.
Consumer complaint received 2022-01-31
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. (PA)

Hi, My name is XXXX XXXX. I live at XXXX XXXX XXXX XXXX PA XXXX. I am contacting the bureaus Equifax today to have the following negative items disputed from my credit report. The negative items are impacting my score tremendously and I ask that they be deleted from my report. The items I need removed are listed in the report attached. I have notified the companies that I did not make these charges and that they are fraudulent. I reported the theft of my identity to the Federal Trade Commission and I also attached copies of the federal trade commissions identity theft affidavit.
Consumer complaint received 2022-01-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: PENTAGON FEDERAL CREDIT UNION (NY)

PENTAGON FCU is reporting on my personal credit file. I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections. 

( PENTAGON FCU XXXX )
Consumer complaint received 2022-04-14
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)

In accordance witht the Fair Credit Reporting act XXXX XXXX Original creditor : XXXX XXXX, Account # 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.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

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 XXXX XXXX XXXX is 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 2023-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I tried to log into the Trans Union system to initiate a credit freeze using the correct password and id. It immediately locked my account. It took several calls spread over several hours to get this corrected. They have a lame phone system that takes all your personal information while trying to redirect you to a chat system when you want to talk to a human. Once you get to the human, you have to repeat all the ID information again. 

It turns out that the problem was that Trans Union does not handle VPN connections properly. VPN is a good safe way to be protected from spies and hackers. Why can't Trans Union accomdate that?
Consumer complaint received 2022-12-28
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. (TN)

I am complaining about Equifax allowing non-users to put a false claim on my credit report. These users are not covered by CFPB under FDCPA 15 u.s.c. 1692.The Dodd-Frank Act. I have disputed these non-users claims down through the years from XXXX  til now. The non-user claims cause me to lose a USDA rural development mortgage loan more than once. All of XXXX I have disputed these non-users false claims under FDCPA to Equifax credit reporting agency and still nothing is being done to enforce this act to protect my rights. I understand that under FDCPA rules and regulations users must be covered by CFPB. These non-users on my credit report is not covered by CFPB due to the regulation under the ACT requires that a user of the credit report must hire a separate institution from its business to collect a debt. The name of the non-users on my credit report is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A legal debt collection institution has not tried to contact me of these claims. I have the right to a relief from these claims on my Equifax credit report and XXXX and XXXX credit report.
Consumer complaint received 2023-02-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (OR)

We used Paypal to purchase a XXXX XXXX with a white oven door in XXXX of XXXX. We received a stainless steel stove with no white oven door. We contacted XXXX XXXX, and they issued a small refund and told us they would be shipping the door. That conversation took place in XXXX. They have not shipped the door as of XX/XX/XXXX. XXXX XXXX has knowingly committed fraud and shipped us an item that was not as described. Paypal remains complacent in the affair as well. We filed a buyer dispute, and Paypal asked us to return the item. This is a freight item, mind you. 

We deserve our money back, and XXXX XXXX needs to make arrangements to either ship us the door overnight or pay for return shipping and arrange a freight pickup. 

Paypal is insanely asinine to have come to such an inefficient resolution. 

I sent photos and documentation to prove we did not receive what we ordered. Now Paypal has not given me the buyer guarantee that they advertise. 

Paypal knowingly helps others commit fraud.
Consumer complaint received 2022-09-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (FL)

I have an account with XXXX XXXXXXXX XXXX and I have been unhappy with them as I have been hacked 3 times in the last six months. I received a check from my 401K distribution fund for {$2000.00} and I have never used a mobile app in my life but someone told me I could check to see how long it would take to clear and when I scanned it through my XXXX XXXX  XXXX XXXXXXXX XXXX  the notification said 10 days and I could not wait that long. My daughter lives here in Florida and uses Truist ( Suntrust ) and told me to go there so I did and they deposited and released {$100.00} to me because I was flat broke. I only learned about 5 days later that the check that I scanned with the XXXX XXXX was an actual deposit. I went straight down to Truist and profusely apologized for my terrible error. The branch manager seemed to have been very angry and vindictive about what happened and put a six month block/hold on the check. I have provided proof that XXXX XXXXXXXX XXXX did not cash the check and have spoken to their fraud department and also provided the same proof. XXXX XXXX XXXX my 401K holder has given the reference # for the check clearance to Truist it cleared on the XXXX of XXXX. The branch manager at Truist located at XXXX XXXX XXXX, XXXX XXXX, FL XXXX his name is XXXX refuses to release the hold and I do not know his last name but they are refusing to call me back or work with me at all.
Consumer complaint received 2021-09-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (DE)

This information reporting on my credit profile is inaccurate and I would like you to validate that it belongs to me. Per the accounts below : EXPERIAN : XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX {$2000.00} Account number XXXX Collection opened XX/XX/2018 XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX  {$2900.00} Account number XXXX Collection opened XX/XX/2018 XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$4800.00} Account number XXXX Collection opened XX/XX/2018 XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$200.00} Account number XXXX Collection opened XX/XX/2018 2018
Consumer complaint received 2023-05-06
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: Upgrade, Inc. (MI)

I sent of letter of dispute asking about proof of a debt and a contract with both party signatures. they sold the debt to an debt collector name galaxy and upgrade still harass me even though they have ignored my dispute. both them and galaxy international purchasing
Consumer complaint received 2022-12-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with fraud alerts or security freezes — 
Company: AMERICAN EXPRESS COMPANY (OH)

I received a letter from American Express dated XX/XX/2022, requesting that I complete my new account setup. I did not open this account. I called American Express Savings at XXXX and notified them. I was told by XXXX that she will notify the back office and ask that someone call me about this account. 

Account Type = High Yield Savings Account Account # XXXX Interest Rate XXXX  % Annual Percentage Rate Yield XXXX  % Routing Number XXXX
Consumer complaint received 2022-01-28
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. (AL)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report, and over { the amount of days } later I have not received a response yet.
Consumer complaint received 2023-06-23
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. (GA)

I am writing to file a complaint to EQUIFAX regarding the reported data on my credit file that is not certifiably compliant and proven valid and/or not documented as fully true and physically verified. My name is XXXX XXXX XXXX, and my address is XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX. My date of birth is XXXX, and the last 4 digits of my social security number are XXXX. The FTC report number associated with this complaint is XXXX have identified likely mendacious and certainly unproven complaint-reported inquiries on my credit file that has no permissible or authorization made by my person of free will. As a consumer, I am within my federal and state consumer and/or civil rights to demand and/or compel you to have them removed as soon as possible. I am filing this consumer complaint and consumer check for compliance of these particular items that you are reporting under FACTA Title 1 sec. 151 that unambiguously obliges a recounted of the modus. This is a formal dispute of information and reporting.