davidheineman/consumer-finance-complaints-large huggingface dataset:
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 — Credit inquiries on your report that you don't recognize
Company: FC HoldCo LLC (VA)

These inquiries are causing a negative impact on my credit score, and I request that they be removed from my credit report immediately. I have reviewed my credit report and found that these hard inquiries were made without my consent or knowledge. ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have not applied for any new credit or loans recently. Under the Fair Credit Reporting Act, I have the right to dispute any inaccurate or unauthorized information on my credit report. I am requesting that you investigate these hard inquiries and remove them from my credit report if they are found to be inaccurate or unauthorized.
Consumer complaint received 2023-03-08
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. (TX)

I have reached out to Transunion on numerous occasions, the latest attempt being yesterday XX/XX/XXXX to get inquires removed from my report. I even informed representative I would be reaching out to you all to file a complaint, because this is causing a hold up on my purchase, in return he told me go ahead. 

I have had no issues with the other 2 credit companies removing the inquiries. Transunion is the only company that refuses to help me. 

The below are the list of Inquires that I need removed due to me not recognizing or giving authorization to run or re-run my credit during the time listed. 


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. 

XXXX XXXX Auto Dealers, New XX/XX/XXXX TransUnion XXXXXXXX XXXX Financing XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, New XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Bank XX/XX/XXXX TransUnion XXXX XXXX Bank XXXX XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX Issued by XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX Bank XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Bank XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX Bank XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX Bank XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX Unions XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX Loan Companies XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX IXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX TransUnion
Consumer complaint received 2023-10-15
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Bankruptcy
Company: Navient Solutions, LLC. (IL)

I have student loans from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, a school known to defraud students. I had high interest rates and financial trouble and filed bankruptcy in 2012. My Navient student loans should have been discharged, but were not.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX ( Original Creditor : XXXX XXXX XXXX ) - Account Number : XXXX - XXXXXXXX XXXX - Account Number : XXXX
Consumer complaint received 2020-04-22
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (OR)

The only phone number I was on hold for 2and a half hours one night and it hung up on me. Then the next day I was on hold for 4hours to get disconnected. Now on day three it's a busy sound
Consumer complaint received 2020-10-06
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: CITIBANK, N.A. (MA)

Hi and how are you doing? WHY IS IT TAKEN MORE THAN 60-90 DAYS THAT I HAVEN'T RECEIVED ANY RESPONSES? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and  unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. These are the following accounts need to be removed : XXXX - Account XXXX : XXXX
Consumer complaint received 2021-01-26
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: AMERICAN EXPRESS COMPANY (IL)

There is unknown hard inquiry on my credit reports. Im requested the verification of the inquiry and the method of verification. AMEX, Inquiry Date XX/XX/2020. For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter.

The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2024-09-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BAM Management US Holdings Inc. (NH)

Was subject to a XXXX XXXX  scam via XXXX ( wireless XXXX ) @ XXXX XX/XX/year>. The phone wouldn't work. I advised my company ( as this is a work phone ) I am employed by XXXX XXXX XXXX in MA. I got the XXXX fixed at the XXXX store in XXXX, roughly XXXXXXXX XXXX XXXXXX/XX/year>. The store rep said XXXX made this XXXX XXXX in Texas using my owners XXXXXXXX XXXX XXXX name and authorization, which he didn't give. I then received a call @ roughly XXXXXXXX XXXX XXXXXX/XX/year> by a gentleman identifying as XXXX, who said he worked for Binance US and someone tried to withdraw all of my XXXX, at the time it was {$410000.00}. He told me that they couldn't withdraw it because I had 2 factor authentication, but, he told me I had to go online and cancel the transaction which I did NOT do. I hungup on him, and utilized the Binance US app on my phone. I verified the funds were still present and I notified Binance via chat, they have no phone support, to do NOT allow any withdrawals. My account was then disabled. I have contacted Binance everyday via chat and email. I am receiving no email responses and via chat they advise me that they can NOT provide me details. My account is still disabled so I can't login to see if the funds are still there.
Consumer complaint received 2023-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC. (MA)

Santander 's bank has reported that my loan payments were late and all my payments have been on time. I recent submitted a dispute with XXXX and provided them with deposit records of all the months they Alleged were late. 
XXXX XXXX XXXX XXXX XXXX 

I tried to get a copy of the transaction for XXXX I was unable to get obtain one from the bank regarding my deposit for that month.
Consumer complaint received 2024-03-21
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: CAPITAL ONE FINANCIAL CORPORATION (IN)

I am writing to dispute the accuracy of information on my credit report. Upon reviewing my credit report, I discovered an account listed under my name that I believe to be the result of identity theft. 

Given these circumstances, it is evident that my personal information has been compromised, and this account is a result of fraudulent activity. Therefore, I request that this account be immediately removed from my credit report to prevent any further damage to my credit history and financial well-being.
Consumer complaint received 2020-07-09
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (VA)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 10 XXXX XXXX XXXX, 11 XXXX XXXX XXXX, 11 XXXX XXXX, 11 XXXX, XXXX XXXX, AUTOMOTIVE SERVICES, 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 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 XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX   XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

Equifax received notification via FTC report of misreported information and all supporting documentation in regards to company XXXX XXXX XXXX XXXX XX/XX/2022. This company also has received action by CFPB for their fraudulent practices. However Equifax did not respond and continues to furnish this inaccurate and fraudulent information on my credit report. Documented calls into XX/XX/2022 Equifax ask to resubmit disputes just to further delay process of investigation even when they have everything on file. 

Their failure to positively verify these accounts has hurt my ability to obtain credit and should be held accountable just as XXXX XXXX services. Unverifiable accounts must be removed if they are unable to provide verifiable proof which they have not under FCRA.
Consumer complaint received 2020-07-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AG AH LLC (WA)

I am looking to pay off this mortgage. I requested a 15-day payoff starting on XX/XX/2020. When requesting by phone Arc Home Loans states that payoff can not be made until a written payoff is received. I went through their " process '' to receive written payoff. The phone states that it will be processed within 24 hours. After 48 hours I made a new request for the payoff. Fast forward to Monday, XX/XX/2020. Still no payoff letter. I contacted the company and spoke with a representative. She stated that they had sent the payoff earlier that day via fax. I informed her it had not been received. Now their first attempt is 6 days after the first request, not within 24 hours as they stated. I informed her that I had not received the payoff quote by fax. She said she would resend via fax and confirmed my email address and said she would send it via email as well. Now we are on XX/XX/2020. The payoff date I requested was XX/XX/2020, to give time for payment processing. I feel that at this point I will now be paying more interest due to processing time. I need a payoff quote so I can pay off this mortgage. The company seems to be refusing to cooperate. This is not very surprising because they are not a co-operative company, have not been since day one.
Consumer complaint received 2021-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report.I will also call my lawyer and file a lawsuit. Remove this fraud account ASAP!
Consumer complaint received 2023-01-13
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 ACCOUNT IS REPORTING A LATE PAYMENT FOR XX/XX/2022 AND I WAS NOT LATE. THIS HAS CAUSED MY CREDIT SCORE TO DROP AND NEEDS TO BE CORRECTED. I ALSO LEARNED ABOUT THE HERO 'S ACT AND THERE ARE NOT SUPPOSE TO BE ANY LATE PAYMENTS REPORTED TO CONSUMERS REPORTS DURING THE PANDEMIC SO WHY IS THIS REPORTED?
Consumer complaint received 2023-01-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

I spoke with Capital One on XX/XX/23. I was advised that my account was being closed due to a returned check. My payroll was deposited the same day. They froze withdraws and send the money would be sent via check. This never happened. To date I have spoke with them 6 times, emailed 3 times and chatted on XXXX. Nobody has returned my money. The balance is {$910.00}. 

The number the account says to call is voicemail. I've left 3 messages and my money is still not to me.
Consumer complaint received 2021-09-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Comerica (FL)

On XX/XX/21 customer support told me they would send me a bank statement for XX/XX/21 transactions. Today I called customer support to verify info sent was sent. Because of pending investigation from a detective from the XXXX that needed specific detailed info of the transactions he told me he would have to resend info due to info sent did not include specific info. Because IC3 is involved with this pending XX/XX/XXXXcase. I informed FBI today of such conduct. They have said since CFPB refused to do the case thru customer support to file a dispute with them. Direct Express is the subject of matter.
Consumer complaint received 2024-08-27
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. (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.

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 2023-05-19
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: Resurgent Capital Services L.P. (AR)

I have not supplied proof under the XXXX XXXX XXXX XXXX XXXX Engelhardt v. Gravens ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Consumer complaint received 2024-03-21
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. (NJ)

I requested bankruptcy be removed from all three credit reports and from suppressed by XXXX XXXX as the courts don't verify as per the email I submitted to them. This information is not verifiable. 

Request has been submitted in XXXX once, XXXX twice and I just requested in XX/XX/XXXX and sent this past XXXX via certified mail. I have not heard back from them since the last communication. I included the letter provided to me by the courts stating they do not verify information.
Consumer complaint received 2023-03-10
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. (FL)

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 ( Original Creditor : 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, DEPT OF XXXX / XXXX # XXXX, DEPT OF ED / XXXX # XXXX, DPT EDXXXX XXXX XXXX, DPT EDXXXX # XXXX XXXX DPT EDXXXX # 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 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 2022-05-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (FL)

I called XXXX XXXX and spoke with staff and a manager - both located in XXXX. The supervisor/manager confirmed the debt was outside statute of limitations but per FCRA they could continue to report to XXXX for 7 years. 

Multiple attempts with XXXX to no end. 

Why are there are statute of limitations if FCRA allows them to report and negatively impact customers.