davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-15
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. (CA)

I am promised accuracy in my credit `report based on federal law I am making this complaint as another attempt to have these errors corrected on my consumer report under 15 USC 1681, 15 USC 1681d, 1681n Civil Liability for Willful Non-compliance, 15 USC1666b, 15 USC 1601,15 USC 1602p all unverified and negative information must be promptly removed as you can see in your system that they can not verify this information and validate it so I request that you remove it now. Under 15 USC 1602p, all unverified hard inquiries shall be removed. The bureau verified they received all necessary information to be removed negatives on the account but willfully are non-compliant. Pursuant to 15 USC 1681n Civil Liability for Willful Non-compliance the bureau has to pay me {$1000.00} per negative disputed mark on credit they willingly refuse to remove. I have been verified by both TransUnion and XXXX that I am part of the Transunion and XXXX data breach.
Consumer complaint received 2020-02-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

XXXX XXXX XXXX ( XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$780.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2017 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2020-02-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WINN LAW GROUP, APC (CA)

In XXXX of XXXX I leased a car from XXXX. Along with my down payment they had offered me a credit card in the amount of {$2500.00} to also use towards the down payment. I told them that I was not interested. I did not want a car payment plus a credit card payment. Gave my down payment signed all the paperwork and drove home in my new car. The spring of XXXX I received a letter from a Law Firm stating that I was being sued for an unpaid debt in the amount of {$2800.00}. I am XXXX so I had my Mom call. She told them that the credit was not mine and that I have never even had a Credit Card. Never heard from them since. I am know looking for a house and I have been unable to even be considered a potential tenet due too a collection on my credit report. After looking more into it I am now finding out that it is the credit card from the XXXX XXXX where I got my car. I never authorized the use of a card. It could of been from the lack of communication due to being XXXX. Plus the corresponding statements that I now have in hand doesn't even have my correct address. This is why I never knew of this situation too even take care of it back in XXXX.
Consumer complaint received 2023-03-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The following accounts are inaccurate and they are in violation of my rights according to the FCRA XXXX XXXX XXXX XXXX These credit bureaus XXXX XXXX TRANSUNION have failed to verify these accounts after disputing this issue with them directly.
Consumer complaint received 2021-11-21
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have tried multiple time to send in disputes and call to dispute these accounts with no response. Please investigate and remove these inaccurate accounts from my credit report
Consumer complaint received 2020-02-29
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. (IL)

There is a collection account on my credit report for XXXX that was resolved in 2019 and I have asked XXXX to remove it and it was not removed. I sent a complaint to Experian, XXXX and XXXX to have it removed and all they keeping saying is the debt is being reported correctly, it is not. This debt was resolved and Cancelled by XXXX and needs to be Removed from my credit report. Attached is the cancellation of debt from XXXX showing this debt was cancelled.
Consumer complaint received 2020-02-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

XXXX XXXX ( XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$810.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2020-02-29
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: ONEMAIN FINANCE CORPORATION (NY)

I mailed a check on XX/XX/2020, from XXXX XXXX XXXX to One Main Financial in the amount of {$6000.00} using their payment envelope to their XXXX, OH address. I wrote my account number on the check before mailing it to One Main although the photocopy of the checks ( made at the bank does not include the account number on the check ). One Main has not applied the payment to my account as of XX/XX/2020. So to avoid any late fees or negative credit ratings, I made an additional payment this evening online, XX/XX/2020, for {$170.00}. One Main does not apply my payments to my account unless I physically enter one of their branches. By the way, XXXX XXXX XXXX received my check, I wrote their account number on the memo and applied the {$10000.00} payment to my account. This is not the first time One Main has not applied my payments and threatened to negatively impact my credit rating. The photocopy was made at the bank ; however, when I mailed the checks I wrote the account numbers for the payments on the memo line of the checks.
Consumer complaint received 2022-10-27
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Paypal Holdings, Inc (IL)

Im simply trying to get more clarification to an earlier complaint I had filed with Paypal, Compliant number XXXX. Im trying to get my data deleted from their servers. If that can not happen today because of federal law and regulations from the FDIC, so be it. However, upon doing more research into the subject after the call from someone at the executive office of paypal, she stated in both the written response as well as verbally to me over the phone on XX/XX/XXXX at approx XXXX XXXX XXXX with a follow up call at approx XXXX XXXX  XXXX, that all data must be kept for 10 years. This is not the time length in the regulations I had found governing data retention for finical institutions. 

According the the FDIC 31 CFR 1020.220 ( a ) ( 3 ) ( ii ) - " Retention of records. The bank must retain the information in paragraph ( a ) ( 3 ) ( i ) ( A ) of this section for five years after the date the account is closed or, in the case of credit card accounts, five years after the account is closed or becomes dormant. The bank must retain the information in paragraphs ( a ) ( 3 ) ( i ) ( B ), ( C ), and ( D ) of this section for five years after the record is made. '' [ 75 FR 65812, XXXX XXXX, XXXX, as amended at 85 FR 57138, XXXX XXXX, XXXX ] My account was locked aka became dormant on or about XX/XX/XXXX, according to what Paypal states must happen, it will be XXXX before my data is deleted from their system. However, according to the FDIC regulations, that data must only be kept for 5 years. If I could get my data off of the paypal system in XXXX vs XXXX. I would take that as an acceptable outcome. I would have just handled this complaint via email however the provided email that i could reply with questions to XXXX XXXX XXXX  comes back to my email as an invalid address. After calling paypal customer support again today XX/XX/XXXX at approx XXXX XXXX, they could not provide me with a valid email address to contact the executive team again.
Consumer complaint received 2022-10-27
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. (WA)

I have recently contacted equifax regarding a charge off account name ( XXXX XXXX XXXX XXXX ) to remove this account as it is over XXXX  years old they have refused attachment are reports of XXXX XXXX XXXX that have already removed due to being over XXXX  years they have violated my rights by reporting false inaccurate information that has damaged my credit report and still is attached are images of XXXX XXXX XXXX removal dates please fix by removing said account XXXX XXXX XXXX XXXX from my equifax report
Consumer complaint received 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-27
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: Experian Information Solutions Inc. (NC)

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

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-10-27
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I previously disputed this public record with TransUnion, I dont recognize this public record. Please send me PROOF FROM THE COURT OF THIS PUBLIC RECORD, I DONT AGREE WITH THE RESULTS OF YOUR INVESTIGATION. PLEASE MAIL ME PROOF OF YOUR INVESTIGATION AND VERIFICATION OF THIS RECORD FROM THE COURT, OR DELETE THIS PUBLIC RECORD. TO DATE TRANSUNION HAS FAILED TO DO SO, TRANSUNION IS IN VIOLATION OF 15 U.S. CODE 1681 s- 2 ( b ) I have provided proof from the court that TransUnion failed to investigate the following account : Account Name : XXXX BANKRUPTCY/ Docket Number : XXXX. IN FACT THE DOCKET NUMBER TRANSUNION PROVIDED IS INVALID XXXX DOES NOT EXIST.
Consumer complaint received 2023-06-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO. (MA)

ON XX/XX/XXXX Chase bank overcharged my credit card I paid twice XXXX for using service one time I continuously keep having problems with this bank I been scammed and they didnt take action my accounts been compromised no action I received a call from chase bank at XXXX last night they woke me out my sleep to ask me questions I cant even remember so now Ive been charged twice for same transaction XXXX is a company I used to reserve rental I rented with XXXX XXXX XXXX on XX/XX/XXXX and they calll me on XX/XX/XXXX I feel like Im being Frauded by bank and I need action taken not protecting my credit or money XXXX XXXX XXXXXXXX their policy is to protect our money and identity and they havent lived up to agreement I signed with chase I would like them to be fined and I would like to RECEIVE COMPENSATION FOR THE HARD TIMES IM ENDURING. Currently have XXXX IN LOWER BACK THAT CAN RESULT IN DEATH I HAVE XXXX DIAGNOSED AND I TAKE MEDICATION SO ALL THIS IS MAKING MATTERS WORSE I LIVE IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX phone number is XXXX
Consumer complaint received 2022-10-27
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX  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 XXXX. 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 XXXX more than 21 times. XXXX 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 homeless n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2017-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

There are tax liens on my credit reports that have been paid, released, and dismissed. The records are reference numbers : XXXX for {$710.00} XXXX for {$780.00} XXXX for {$1500.00} XXXX for {$37000.00}
Consumer complaint received 2022-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

On XX/XX/2022 I was in the process of correcting my credit report blemishes by paying off past debts I owed to improve my overall credit rating for the future. I contacted XXXX XXXX and was informed that I was in collections for a past due amount of {$680.00} which I paid in full as shown in attachment. On my credit report they are listed as an open account s and debt was settled for lesser amount which is completely false and has an impact on my overall score. This is in violation to my rights under the fair credit reporting act.
Consumer complaint received 2023-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LCI Acquisition Inc. (FL)

Bankruptcy being reported on my credit report is inaccurate unverified and unauthorized. I was impacted by the XXXX data breach as well. These items need to be removed from my credit report immediately.
Consumer complaint received 2019-12-03
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (FL)

GM Financial is reporting me as delinquent on a loan that I had with them which was neither delinquent nor negative. I had just purchased a car with GM dealership when it closed. The loan which was just started was sent to the overflow dealership. I started paying them and continued until the end. Subsequently, GM reported this account 2 times to the credit bureaus with 2 different balances on the account. It shows the same account number but one shows a balance of {$10000.00} and the other account with the same account number shows a balance of {$12000.00}. I have advised them any times of the error on their part, I have also advised the credit bureaus of the error on their part. After all it is logically and logistically impossible to have the same account number for 2 different loan amounts. anyone with common sense who have noticed this as an error and take corrective measures. But no, this has been a struggle and is now affecting my ability to obtain credit. need this issue corrected.
Consumer complaint received 2017-07-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I was shocked when I reviewed my credit report and found a late payment on the date below : XXXX 2016 I am not sure how this happened. I believe that I had made my payment to you when I received my statement. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2022-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

In accordance with the fair credit reporting act XXXX  Account # ( XXXX, XXXX, Experian ) has violated my rights on XX/XX/2018 and XXXX XXXX 15 USC 1681 Section 602 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 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as later for purpose.
Consumer complaint received 2018-02-27
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. (IL)

Navient Loan number : XXXX My son has a loan with Navient formerly XXXX XXXX. He took this loan out back in XX/XX/XXXX for {$8000.00}. This loan has been the vain of our existence!!! After school, my son made arrangements to have monies taking from his checking account, agreeing on one specific amount. later he tells me they up the payments, which he could not afford. My mother co-signed for the loan so now the Navient is writing my mother for payment. 

Present day. 

I contacted Navient 's collection department and made payment arrangements. they are taking {$170.00} from my checking account monthly. My mother and I are receiving threating mail and emails from Navient saying the loan is in default. Today, XX/XX/XXXX, I called Navient and asked why are they still hounding us for payment when I've already made arrangements and am making payments to this loan. XXXX informed me that since my son did not call to make the arrangements and have the payment taken from his account the loan will stay in default. I told her that that was a bunch of crap - you're still taking my money for payment. she replied yes. the loan will stay in default for 5 months ( meaning the loan is 5 months over overdue ) even though you're making payments. XXXX also informed me that whoever set up the payment arrangements should have told me that and that my son should have read the TERMS OF AGREEMENT. I told XXXX my son could not afford to make the monthly payment, that is why I, his mother, is making the payment. XXXX quickly ended our phone conversation saying there was nothing else she could do!!! 

We have been making payment on the {$8000.00} loan since XX/XX/XXXX and none of the payments have been applied to the principal of the loan. I am so sick of Navient!!! Something has to be done with this company! they are ripping people off!!! How do I go about getting a lawyer! I need help here! 

XXXX XXXX XXXX XXXX c/o XXXX XXXX XXXX XXXX Please contact me to discuss. I have ran out of options of dealing with these people!!!!