davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (TX)

Equifax refuses to unfreeze my current security freeze by successfully logging into the website ( below ) or after entering my information into Equifaxs automated phone system at ( XXXX ) XXXX. 

This is the website I have successfully logged into : XXXX XXXX XXXX XXXX XXXX  When I attempt unfreeze my frozen status ; this is the message I receive from the Equifax : We are temporarily unable to retrieve the status of your security freeze. Please try again later. 

This is unacceptable and I demand that this issue with Equifax to be resolved immediately :
Consumer complaint received 2022-05-30
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: EQUIFAX, INC. (VA)

I value your help to REMOVE a portion of the data in my credit file that came about because of a FRAUD yet I have some Accounts passed on that should be taken out. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX Balance : {$12000.00} ; XXXX XXXX XXXX Balance : {$930.00} ; XXXX XXXX Balance : {$790.00} ; XXXXXXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$460.00}
Consumer complaint received 2022-05-30
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. (VA)

I value your help to REMOVE a portion of the data in my credit file that came about because of a FRAUD yet I have some Accounts passed on that should be taken out. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX Balance : {$12000.00} ; XXXX XXXX XXXX Balance : {$930.00} ; XXXX XXXX Balance : {$790.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$460.00}
Consumer complaint received 2022-05-30
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. (MD)

As you can see from the numerous complaints I have filed against the XXXX credit bureaus. Each time they attempt to make changes to my credit report it continues to make my report WORSE! 

I feel like I am being stalked. If I apply for credit it instantly and I do mean instantly hits my credit report and it makes my score go down. When I pay the credit down or off, it makes my credit score go down and it takes at least 30 days to see the impact. 

I take exception to creditors determing when and whom I apply for credit with. No one, except me knows my goals or objectives. Just some unintelligent folks trying to determine them for ME? If the credit system would have analyst that could really analyze we might make some progress. 

I still have not obtained my first goal - REFINANCE MY EXISTING XXXX XXXX XXXX Mortgage. Thanks to the 3 Unfair Credit Bureaus providing inaccurate information, I did not QUALIFY. ( NOT TRUE ) Had the credit information been correctly reported, I would have my refinance and have {$1900.00} more in my account monthly and be paying {$1900.00} less per month for a MORTGAGE PAYMENT. 

Being that I am Retiring and planned on my Retirement Car Purchase after the Refinance I now have to get the vehicle having to qualify with a different SCENARIO! 
What's Fair about that? 

NOT FAIR NOT FAIR! So much for the Fair Credit Reporting Act! 

I Demand that EVERY creditor I applied for Credit With be sent my corrected CREDIT REPORT and that I be CC 'd with the Scores and an explanation from them as to why I did not but would have Qualified given the correct informationl. 

I am going to say it again -- - The Credit Reporting System needs a Total Revitalization to be Viable in the changing financial environment! 

I am document the nonsense that has occurred since I starting investigating my credit report. In addition, due to the incorrect information the bureaus reported, creditors unfairly reduced my credit lines without justification. What's fair about that? 

I just want to live my life without feeling like I am being XXXX! That's how it feels. 

I wonder how many consumers there are that can not be as persistent at me. 

Do they ever answer the consumer 's questions. Resilient Score- Really. 

My Credit Report should REFLECT : Good Credit Risk Pays On Time Pays Most Long term bills Ahead of Maturity Dates Had financial challenges Overcame them Resilient Networth Vastly Exceeds Debts NEXT?
Consumer complaint received 2022-05-30
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. (MD)

As you can see from the numerous complaints I have filed against the 3 credit bureaus. Each time they attempt to make changes to my credit report it continues to make my report WORSE! 

I feel like I am being stalked. If I apply for credit it instantly and I do mean instantly hits my credit report and it makes my score go down. When I pay the credit down or off, it makes my credit score go down and it takes at least 30 days to see the impact. 

I take exception to creditors determing when and whom I apply for credit with. No one, except me knows my goals or objectives. Just some unintelligent folks trying to determine them for ME? If the credit system would have analyst that could really analyze we might make some progress. 

I still have not obtained my first goal - REFINANCE MY EXISTING XXXX XXXX XXXX Mortgage. Thanks to the 3 Unfair Credit Bureaus providing inaccurate information, I did not QUALIFY. ( NOT TRUE ) Had the credit information been correctly reported, I would have my refinance and have {$1900.00} more in my account monthly and be paying {$1900.00} less per month for a MORTGAGE PAYMENT. 

Being that I am Retiring and planned on my Retirement Car Purchase after the Refinance I now have to get the vehicle having to qualify with a different SCENARIO! 
What's XXXX about that? 

NOT FAIR NOT FAIR! So much for the Fair Credit Reporting Act! 

I Demand that EVERY creditor I applied for Credit With be sent my corrected CREDIT REPORT and that I be CC 'd with the Scores and an explanation from them as to why I did not but would have Qualified given the correct informationl. 

I am going to say it again -- - The Credit Reporting System needs a Total Revitalization to be Viable in the changing financial environment! 

I am document the nonsense that has occurred since I starting investigating my credit report. In addition, due to the incorrect information the bureaus reported, creditors unfairly reduced my credit lines without justification. What's fair about that? 

I just want to live my life without feeling like I am being XXXX! That's how it feels. 

I wonder how many consumers there are that can not be as persistent at me. 

Do they ever answer the consumer 's questions. Resilient Score- Really. 

My Credit Report should REFLECT : Good Credit Risk Pays On Time Pays Most Long term bills Ahead of Maturity Dates Had financial challenges Overcame them Resilient Networth Vastly Exceeds Debts NEXT?
Consumer complaint received 2021-12-16
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. (TX)

I filed with TransUnion to delete 2 accounts on my credit. These accounts are not mine and I also asked for proof of these accounts. TransUnion sent me a letter on XX/XX/2021 saying both account were mine, but never gave me any proof of any account. 

The first account name is from XXXX XXXX XXXX - Account number is XXXX in the amount of {$400.00}. 

The second account name is XXXX XXXX - Account number is XXXX in the account of {$2200.00}.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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 is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-05-30
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: Experian Information Solutions Inc. (NY)

I sent a letter on XX/XX/2022 to remove the accounts below that are 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 letter. Ive already included this in my previous Complaint # XXXX ; XXXX & I am including it again. 
XXXX XXXX  XXXX XXXX Balance : {$490.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$450.00} XXXX XXXX XXXX  XXXX Balance : {$440.00}
Consumer complaint received 2018-09-27
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc (CA)

There was an individual who fraudulently accessed and stole well over {$2000.00} from my PayPal ; some of which over-flowed to my bank. My bank was able to resole some of the charges, however PayPal has left me with a negative balance from two separate charges equally the amount in total to be XXXX. I have opened 5 separate tickets with them regarding the charges and all have been closed with no other information or refund. I am unable to select the transactions in question on XX/XX/XXXX to file a dispute for them. They request that i contact the customer service team but I was never able to get in contact with PayPal on the phone or via any other method of contact.The two transactions in question take place on XX/XX/XXXX each being {$410.00}. With no response from PayPal other incoming funds are currently paying the negative balance which is not my responsibility due to fraud.
Consumer complaint received 2022-12-18
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: EQUIFAX, INC. (GA)

So I went to XXXX XXXX  XXXX XXXX XXXX XXXX  back in XXXX eventually, because of delay of FASFA I couldnt attend anymore thing is I never to my knowledge used my FASFA to pay for anything to my knowledge after no longer attending XXXX as of this year ( XXXX ) I find out they closed in XXXX of XXXX and then I check my statements and theyve been charging me after no longer attending XXXX and after the campus closed down due to not staying true to their accreditation I just got a letter saying theyll be sending your loan information to collections. Ive been charged as if I was still attending Im not sure what it going on but theyve scammed students, and what they stood for wasnt met. The letter I received as of XXXX that i owe more than XXXX dollars
Consumer complaint received 2022-10-26
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: OneMain Finance Corporation (PA)

First loan was paid off in 2021. It was a five year contract which means it was during XXXX and it was an overpayment technically. The branch refuse to refund me for the overpayment amount after I got the second loan, requesting for a plan after losing my job, having XXXX, leading to the branch then pulling my credit after they verbally told me by I wouldnt get a loan and threatened to Repossess the vehicle. I also believed they shared my consumer information after I explained I was buying a house and was approved for the house.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX is complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-12-18
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. (OH)

You are reporting inaccurate and incomplete credit information. The credit report you provided shows a history of payments or payments being made late that are not proven and are incorrect
Consumer complaint received 2022-12-18
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. (OH)

You are reporting inaccurate and incomplete credit information. The credit report you provided shows a history of payments or payments being made late that are not proven and are incorrect
Consumer complaint received 2019-08-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc. (TX)

Collection agency reported a collection debt to my credit report with XXXX  and XXXX without notifying me of the debt in writing. Only phone calls. Disupted entry with XXXX and demanded validation of the debt. They reported " Information verified as accurate '' and nothing else and no other information was sent to me. As of XX/XX/XXXX, no written communication of any kind has been received by me regarding this debt and calls continue.
Consumer complaint received 2022-05-30
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: Early Warning Services, LLC (IL)

REQUEST LETTER TO REMOVE INACCURATE INFORMATION NOT VERIFY ADDRESS ALL ACCOUNTS WERE OPEN FRAUDULENT YOU ARE BEING PUT ON NOTICE TO WHOM MAY CONCERN Please accept this formal letter as my request to investigate and remove derogatory accounts/ items from my consumer report. Going over my report I have found it has errors it has come to my attention that you are reporting what I believe inaccurate data which I dispute in this letter is a appeal for your assistance as a consumer reporting agency 15 U.S.C 1681 a ( f ) you are governed by the fair reporting act ( FCRA ) 15 USC 1681, et seq..which protects consumers from inaccurate outdated or invalidated information reporting of their consumer file The FCRA states its the consumer reporting Agency responsibility to insure that all information contained within consumer files is accurate and free from errors your company is regularly engaged in the business of assembling evaluating and disbursing information concerning consumers for the purpose of furnishing consumer reports as defined in 15 USC 1681 a ( d ) to third parties According to federal law you are required to comply with the requirements under FCRA 15 USC 1681 et seq..including but not limited to 1. Follow reasonable procedures to assure maximum possible accuracy of the information in the consumer report as required by 15 USC 1681a ( b ) this section imposes a high and often disregarded standard on consumer reporting agencies see, e.g., XXXX XXXX XXXX info sols., ink., XXXX WL1085874 at *4 ( XXXX XXXX   XXXX XXXX Breaking down the requirements of 1681 e ( b ). And explaining that assure mean to make sure of certain : put beyond doubt maximum means the greats in quantity or highest degree attainable and possible means something falling within the Bounds of what may be done accur or be conceived quoting Websters third new international dictionary 133. 1396,1771 ( 1993 ) ) : 2. Comply with the investigation requirements are required by 15 USC 1681 3. Should not provide consumer file to companies without determining that these companies had a permissible purpose to abstain consumer file pursuant to 15 USC 1681b 4. Provide consumer file pursuant to 15 USC 1681g 5. et seq.. 

Account XXXX XXXX XXXX  - account # XXXX
Consumer complaint received 2022-05-30
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. (TX)

In accordance with the Fair Credit Reporting act 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 2018-09-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NY)

I came off of forbearance with Navient and was told my payments would start XX/XX/2018. I went back and forth over a period of 2 months trying to get my account in an income sensitive status to lower payments. When it finally went through it was XX/XX/18 and then they immediately sent an alert on XX/XX/18 that my payments were overdue. How could my payment be overdue when my account was just fixed? Plus, again I was told it wouldn't start up until XX/XX/XXXX. Now they are telling me the agent that said XX/XX/XXXX might have made a mistake. This is unacceptable. They then told me after putting me on hold for 40 minutes that an advocate would get back to me. I am sick of getting misinformation and misinformed from Navient. I have XXXX XXXX and they always XXXX me out. I am doing everything on my end. How is it that they are able to get away with this kind of behavior.
Consumer complaint received 2023-02-20
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. (NY)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2018-07-24
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. (NY)

Called transunion at XXXX XX/XX/2018 and customer service rep was very rude and refused to help me with these inquiries that were reported on my credit and were not authorized and i believe i was a victim of there inquiry issue in there system.
Consumer complaint received 2023-02-20
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. (NY)

XX/XX/XXXX removed off of reports and closed and XX/XX/XXXX XX/XX/XXXX another complaint Several attempts have been made and this account was closed and removes and now it's back on my credit report different name complaints have been filed with cfpb and ftc for XXXX  XXXX XXXX XXXX continue to violate the law have not validate debt and still will not remove this collection debt off my report its continues to be a problem on my report
Consumer complaint received 2023-02-20
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. (IL)

Hey I should not have a XXXX  account!!!! I should not have a balance! I keep reading on my reports that an account is open, AFTER telling them twice to close it, then you guys take their side with no proof.after I verbally told them I have no account and to close it, now im convinced that this is a scam, they also ran an unauthorized credit check on my report, they have no proof I have agreed to anything.because I didnt this was all fraudulent activity for several monthsso none of you will help? My next step is legal action, because im not sure who phone is being notified but its not mine my email is never notified either I havent even gotten mail from these people regardless of what they say