davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-31
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. (TX)

On my Transunion credit report, I had XXXX collections ( XXXX XXXXXXXX ) added on my credit report which cause my credit score to decrease by XXXX points on XX/XX/XXXX. 

However, on XX/XX/XXXX, all XXXX collections were removed from my Transunion report, but my credit score did not change ( increase ). I called Transunion several time to verify that accounts were removed, and they verified that I do not have any collections reporting. When I asked why my score did not change, they said it was the algorithm. 

How unfair that the 'Algorithm '' senses negative reporting and deducts points accordingly but the XXXX does not senses when an account has been positively updated to has score increase accordingly. This is injustice. I also included supporting documents as well as an old collection account removed in XX/XX/2022 and points increased by XXXX points ( attached ). 

In addition, I noticed that in the past 5 months I paid {$11000.00} and my points only increase by a total of XXXX points ( please see payments attached ). How? If I were to use {$11.00}, XXXX my score would immediately decrease by at least XXXX points. 

The credit score algorithm is unfair and unjust to the paying consumers.
Consumer complaint received 2023-02-21
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. (TX)

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. 

XXXX XXXX XXXX  : XXXX Payment Status : COLLECTION/CHARGE_OFF Reported Balance : {$1200.00} Account Status : DEROGATORY Creditor Remarks : Subscriber reports dispute resolved - consumer disagrees. 
My Remark : I DID NOT REPORT DISPUTE WAS RESOLVED THIS IS A LIE AND VIOLATING MY RIGHTS, XXXX XXXX CARD SERVICES : XXXX Payment Status : COLLECTION/CHARGE_OFF Reported Balance : {$840.00} Date of Last Activity : XX/XX/2015 Account Status : DEROGATORY Creditor Remarks : Charged off as bad debt Dispute resolved; customer disagrees My Remark : I had my card stolen at the end XX/XX/2015 and called immediately to report the stolen card. XXXX XXXX XXXX XXXX told me that they can freeze my account and issue me a new credit card, after weeks of waiting I tried to pay my bill during the due date ( at the time the amount of around $ XXXX {$500.00} ) and without informing and my consent, XXXX XXXX CARD SERVICES closed my account on their Date of Last Activity : XX/XX/2015, which is not my date of last activity. This also violated my rights., XXXX XXXX XXXX XXXX XXXX : XXXX Payment Status : Current High Balance : {$1000.00} Creditor Remarks : Closed or paid account/zero balance Account Status : Paid, XXXX XXXX XXXX : XXXX XXXX XXXX : COLLECTION/CHARGE_OFF Amount : {$1400.00} Account Status : DEROGATORY, XXXX XXXX XXXXXXXX : XXXX, HARD INQUIRIES : 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 XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX has all 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 an 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 2022-05-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

The credit bureau stated XXXX XXXX XXXX Reported : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Reported : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX - XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX US DEPT. OF EDUCATION/XXXX  Reported : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX DEPARTMENT OF EDUCATION Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate, this ground for removal. They also violated my rights under 15 U.S.C. 1681 section 2 : the law clearly states a consumer reporting agency can not furnish a account without my written instructions. They also violated my rights under 15 USC 1681 section 611 ( 2 ) ( a ) : the law clearly states the credit bureaus have 5 days to notify me from when they receive my disputes. They also violated my right 15 USC 1681 section 611 ( 5 ) ( a ) ( l ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer.
Consumer complaint received 2022-05-31
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (IL)

This is a continuation of Complaint # XXXX which you said you closed. It is NOT closed for the following reasons and activity. 
1. I am receiving statements from Wells Fargo and it shows the charged off a small amount of money on my fraudulent account. Will my credit be affected by their sloppy business practices?

2. Wells Fargo NEVER provided me with the information I requested that was needed to open this checking account with them.

3. I have received a packet from Wells Fargo ( Identity Theft Repair Kit ) detailing all the numerous actions I should now take because of this fraudulent account they allowed to open. Why should I spend all my time and energy cleaning up the mess they have created for me? What responsibility are they taking financially for the mess they have created for me? I am the victim and have done NOTHING wrong!
Consumer complaint received 2022-05-31
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: Experian Information Solutions Inc. (FL)

IN RESPONSE TO CFPBXXXX XXXX XXXX  AKA XXXX XXXX DOES NOT BELONG TO ME. I HAVE PROVIDED ENOUGH PROOF TO SHOW THAT THIS ACCOUNT IS NOT MY ACCOUNT I DIDNT GIVE ANY ONE PERMISSION TO OPEN THIS ACCOUNT IN MY NAME. HOWEVER I WAS PREVIOUSLY A VICTIM ODF IDENTITY THEFT AND AM STILL HAVING THE ISSUE.
Consumer complaint received 2022-05-31
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I was on my honeymoon in XXXX. While in XXXX, I was not checking my bank account. Upon return, I begin going over the money spent while in XXXX. I notice that my balance in my account is much lower than I expected. Upon review, I noticed that there were 5 unauthorized XXXX transfers on my account. XX/XX/XXXX for {$300.00}, XX/XX/XXXX for {$10.00}, XX/XX/XXXX for {$500.00}, {$100.00}, & {$25.00}. Immediately after noticing these transactions, I reported them to the bank Sunday, XX/XX/XXXX. They were all sent to a XXXX XXXX at XXXX. I checked with family and friends, to see if anyone recognized the number or name. I also checked with my mom, who is an authorized user on my bank account, and she does not know anyone by that name, or anyone with that phone number. I reported these transactions twice to Capital One and they are refusing to refund. Every time I have made a XXXX transaction, I have gotten an email confirmation and a text message. When I send a XXXX to someone not saved in my contacts, or that I've never sent a XXXX to, XXXX sends me a one-time text verification. I did not receive anything. The email on the account is mine. My mother, the authorized user, did not receive an email or text. We did not receive any notice from the bank to give us time to stop them.
Consumer complaint received 2022-05-31
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. (TX)

In accordance with the Fair Credit Reporting, my rights have been violated.

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 The following hard inquiries are showing on my credit file and I did not authorize them to be placed there.The above laws state that I have a right to privacy and can not provide an account my information without my consent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I submitted a letter to the TransUnion XX/XX/2022 to remove these suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, and I'm including it again. 

Personal Information : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-31
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. (PA)

I submitted a letter to the Experian XX/XX/XXXX to remove these suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, and I'm including it again. 

Personal Information : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXXXXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX CARDS XXXX XX/XX/XXXX
Consumer complaint received 2022-05-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I submitted a letter to the TransUnion XX/XX/2022 to remove these suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, and I'm including it again. 

XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-03-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I demand the removal of this late payment from my account as it does not accurately represent my payment history. I have diligently made timely payments, and it's unfair to be penalized with this erroneous entry. Please update my account promptly.
Consumer complaint received 2022-05-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (PA)

I sent a letter on XX/XX/2022 to remove collection account that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days after the XX/XX/2022. Ive already included this in my previous Complaint # XXXX & I am including it again. 

XXXX XXXX XXXX : -
Consumer complaint received 2022-05-31
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: LEXISNEXIS (TX)

Regarding the previous CASE # XXXX, the company 's response letter indicated that there was no record found in their database with my given information. 
The evidence below clearly justifies that there are 2 speeding tickets listed on my MVR which is absolutely vague. Here am struggling to find better insurance rates from the auto insurance companies and LexisNexis closed my previous case without any consent or resolution and provided an inappropriate reason. 

If the company does not have my MVR in their system, I would want LexisNexis to get that fixed on Auto Insurer 's ( XXXX ) end and provide them with accurate information.
Consumer complaint received 2022-05-31
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Herbert P. Sears Co., Inc. (CA)

XXXX XXXX did not finish the work they agreed on, And I believe I was discriminated because of my race.The surgery went fine a very professional, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThe work was never finished and now it is on my credit report for XXXX dollars
Consumer complaint received 2022-05-31
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: V and H Portfolio (TX)

Federal Trade commission Case # XXXX XXXX XXXX XXXX Case XXXX XXXX Attorney General Attachment submitted VANCE & HUFFMAN LLC Account # XXXX The account above is not mine account and I want it deleted off of my credit report ********NOT MY ACCOUNT****************** I looked over the verification letter received from Vance and I would like to formally report that the account reported is not mine. The signature recorded is not mine at all. The accounts= were money was deposited is not my account. I never requested money from XXXX XXXXXXXX XXXX XXXXXXXX im not even familiar with the company and this information need to be removed from credit report because it violating my rights.

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 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 2022-05-31
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: EQUIFAX, INC. (PA)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX. account no. XXXX, has violated my rights. 

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

15 U.S.C. 1681 section 604A ; section 2, states that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-05-13
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. (NY)

I sent a letter off on XX/XX/2022. To remove personal information that I don't want and shouldn't be on my account. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. According to 15 USC 6802. Financial institution may not, directly or through any affiliate disclose to a nonaffiliated third party any nonpublic personal information.
Consumer complaint received 2023-04-09
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. (NC)

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX ) : ( XXXX XXXX XXXX  ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks, Fair Resolution!
Consumer complaint received 2018-09-30
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. (CA)

The interest rates we are charged are shark loan types. Our highest interest rate is 14 %. The lowest is 8 %. Our original loans were XXXX and now we are up to almost {$200000.00}. We can't consolidate because my daughter didn't graduate. We did find someone to consolidate but our debt to income level was disproportionate. I am nearly XXXX and XXXX in debt is insurmountable. I will pay it. I would just like the interest rate to stop. Haven't I incurred enough interest? Additionally ... I lost my job in 2011. The student loans were too much and I filed for bankruptcy. Somewhere along the way they didn't include one of the loans. I wasn't aware and now we are in default. They want immediate payment. I don't have enough to come up with the amount they want. I would like to just refinance all of it and pay it all if I could. I am not trying to get out of it. Just make it reasonable.
Consumer complaint received 2017-07-31
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (LA)

The private loans I have through XXXX XXXX were switched to Navient. Navient is not very nice when it comes to loan repayment. After taxes, I bring home XXXX monthly. They have me on a payment plan paying {$250.00} a month. I am a single mother with XXXX dependents. I do n't find this to be affordable. They also try to dictate what type of lifestyle you should live and will only give you a payment plan if you fall within those guidelines. For instance, I got into a car accident and had to get another vehicle. Well I got an SUV, they denied giving me a repayment plan because the vehicle I was paying for monthly was not what I should be driving. The lady told me they only allow a vehicle to be XXXX or less when on repayment plans, absurd. I 'm so afraid to purchase a home because I 'm afraid of not being able to apply for this repayment plan again and be forced to pay $ XXXX monthly. They are n't considerate and I 'd like to know what I can do about this.
Also, many where part of the lawsuit with Navient that caused their loans to be deleted. If I happened to be part of that group would they delete my loans even though I 'm in repayment on a repayment plan?
Consumer complaint received 2022-09-13
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. (CO)

In attempting to unfreeze an Experian credit report the company now forces consumers to create an account with the company instead of simply using the pin as before. This forces the consumer to agree to their XXXX  and subjects consumers to further marketing of it's products. They do offer a number to call for account services but it is nearly impossible to use due to technical glitches and the refusal to offer customer service agents help in correcting any issues or simply to say temporarily lift a freeze. I believe this " glitch '' is on purpose in order to force consumers to create ( even more ) accounts that they shouldn't need in order to simply remove a freeze. We froze our accounts after the XXXX data breach and now have to spend extra time dealing with these companies to who we NEVER gave permission to use our social security and other personal information about us. 
Regards, XXXX
Consumer complaint received 2022-05-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

Hi I am submitting this XXXX 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 severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.