davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-01
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. (FL)

In accordance with the Fair Credit Reporting Act, the following creditors have violated my rights : XXXX XXXX XXXX  Auth : XXXX Dept of Education : XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) Inquiries : XXXXXXXX XXXX XXXXXXXX XXXX XXXX US SM BUS ADMIN ODA XXXX Incorrect Personal Information : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 : also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-06-01
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. (NC)

in accordance with the fair credit reporting act XXXX account XXXX XXXX XXXX XXXX XXXXDEPT OF ED XXXXDEPT OF ED 15 U.S.C 1681 section 602 A 1 have the right to privacy.

15 U.S.C 1681 section 608 a section 2 : its also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-06-01
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. (NC)

in accordance with the fair credit reporting act XXXX account XXXX XXXX XXXX XXXX XXXXDEPT OF ED XXXXDEPT OF ED 15 U.S.C 1681 section 602 A 1 have the right to privacy.

15 U.S.C 1681 section 608 a section 2 : its also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2019-07-02
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: CURO Intermediate Holdings (CA)

On or about XX/XX/2019 I called and asked the company if there was anyway to refinance the loan for lower payments because I have been an excellent customer who has paid on time for the past 12 months. They said NO they could not change the terms of the loan. I then asked them if they would extend me more credit again because I am such a good customer with stellar payment history. They again said NO. They said the loan would have to be paid in full first. I initially borrowed {$2600.00} and have since paid back {$3400.00} and still have {$7000.00} in interest alone to pay back at 135 %. The interest is {$300.00} a month! I believe strongly that they fall under the guise of a Predatory Lender preying on people that are down on their luck, backs to the wall, with nowhere else to go! They are not playing fair!
Consumer complaint received 2020-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Checkr, Inc (NY)

I XXXX XXXX am writing about Checkr background check services which has provided multiple reports to employers against contract. It is a breach of contract for them to apply any part of my criminal history that is over 10 years old. They placed items that are from 2005 and earlier on my report. They have fixed this issue one time in the past but this is the third time they have done this to me. Because they have done this my employers have changed their opinion of me for a record that happened when i was a teenager. This is not right and a breach of contract. They need to permanently fix their policies regarding this matter especially considering im about to have my background check ran again for a XXXX XXXX position next week. 

Thank you
Consumer complaint received 2022-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

On or about XX/XX/2022, I mailed a certified letter to Experian demanding that all inaccurate names be removed from my credit profile, and in fact, I supplied them with written information of the correct spelling of my name as it should appear on my report, and all other variations of my name should be removed, as they are in fact not my name. My legal name is XXXX XXXX XXXX, and all other spelling variations should be removed, as that is not my name nor have I ever gone by that name.
Consumer complaint received 2022-06-01
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: Experian Information Solutions Inc. (TX)

According to 12 CFR Part 1016, I have the right to privacy. On XX/XX/2022 I walked into the dealership approved for a vehicle. I noticed that on XX/XX/2022 that I have several inquiries from XXXX XXXX XXXX, XXXX XXXX  and XXXX XXXX that I did not consent to. I was already approved through XXXX  XXXX and did not see a need for these hard inquiries.
Consumer complaint received 2021-08-23
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: FIFTH THIRD FINANCIAL CORPORATION (NC)

IRS does not have the check and the copy of check provided by Fifthird Bank has no clear tracking numbers on the back side which IRS can track.

IRS needs the banker who sent the check to IRS will have to call IRS and provide the tracking information.

Fifth Third is responsible for tracking information what they did per IRS representative.

.
Consumer complaint received 2019-07-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

I am filing charges according to my rights disclosed in section 609.. about my credit report not showing anything owed to this account with XXXX XXXX XXXX . There have been repeated threatening calls and just today on XXXX XXXX, 2019 a letter threatening to forward an account listed in the letter, for a possible litigation through a in the state of Michigan. They are threatening me, if I don't respond with payment of {$3900.00}, for an account that has no credit report backing it and no proof of a written signature by me, that by XXXX XXXX, 2019 they will pursue litigation against me. 
I have requested them since receiving these letters to produce an original signature of my own hand-writing and the original contract for this account. I have in previous complaints submitted evidence of identity theft, which was also backed through local police reporting. 
The company responsible is XXXX XXXX XXXX with address : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX another address shown on letter is : XXXX XXXX XXXX , XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX XXXX There report is on some, FifthThird Bank-Real Life Rewards with some listed Account Number : XXXX Reference XXXX Account Number : XXXX with a proposed amount owed of : {$3900.00} I am requesting you to ask them to produce evidence to you and me that there is a written signature by me and that they can show an original contract that would show this as a valid debt. I fear this may an identity theft issue. 
I also do not see this debt reporting on any of my credit reports. 
Can these institutions still threaten with calls and these letters without the backing of the credit report. I have included an attachment of this letter as well. thank you.
Consumer complaint received 2022-11-08
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. (GA)

I sent a dispute letter to the consumer reporting agency on XX/XX/2022. 
Regarding a few inaccurate marks on my report. They are reporting late payments and also a charge-off and according to Federal Law : 15 USC 1681 a ( i ) which states that consumer reports should NOT include transactions or experiences between the consumer and the person making the report I explained this in my dispute and the violation was not corrected. 

This account has also been charged off and according to IRS publication, XXXX charge-offs are considered income and income shouldn't be reported on your credit report. 

I would like for this account to be removed from my report immediately.
Consumer complaint received 2024-03-19
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: EQUIFAX, INC. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-06-01
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: EQUIFAX, INC. (TX)

According to 12 CFR Part 1016, I have the right to privacy. On XX/XX/2022 I walked into the dealership approved for a vehicle. I noticed that on XX/XX/2022 that I have several inquiries from XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX that I did not consent to. I was already approved through XXXX XXXX and did not see a need for these hard inquiries.
Consumer complaint received 2020-02-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

Hello, I would like to dispute a credit card late payment fee of {$25.00} applied on XX/XX/XXXX with respect to my Bank of America XXXX credit card. 

I have had this credit card for over 10 years, and I had my first late fee on XX/XX/XXXX. Bank of America reversed this fee, because it was my first ever late fee. I spoke with an associate on the phone, and I instructed her to set up a automatic transfer of {$25.00} on the XXXX of each month from my checking account, so I would avoid late fees going forward. This was not done, and I received a late fee on XX/XX/XXXX. I did not receive any notification alerting me the payment had not been made. As soon as I realized there was a problem, I transferred funds to the account on XX/XX/XXXX. I called the Bank of America service center, and they would not accept responsibility or reverse the fee. 

I am currently unemployed and searching for a new job. Previously, I had an automatic transfer set up to make payments from my savings to my credit card account, but I have recently used up all of my savings, and my savings account balance is {$0.00}. That is why my payment in XXXX was 2 days late. I can not afford this late fee, and the negative impact it will have on my credit score. 

Please let me know if further information is required. 

Thank you, XXXX XXXX
Consumer complaint received 2022-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

first order of business my credit profile is reporting addresses that are not associated with my social security number, i would like them removed from Experian, XXXX, and XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, TX XXXX also Experian is reporting that I have applied for two XXXX XXXX credit cards ( 2022 ) that was false, but that information has been posted on my credit report i would like it removed i did not make those inquiries. 
XXXX XXXX XXXX inquiry ( 2022 ) i need it removed Experian is refusing to honor my wishes
Consumer complaint received 2022-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: NAVY FEDERAL CREDIT UNION (TX)

first order of business my credit profile is reporting addresses that are not associated with my social security number, i would like them removed from XXXX, XXXX, and XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, TX XXXX also XXXX is reporting that I have applied for two XXXX XXXX XXXX XXXX ( 2022 ) that was false, but that information has been posted on my credit report i would like it removed i did not make those inquiries. 
navy federal card inquiry ( 2022 ) i need it removed XXXX is refusing to honor my wishes
Consumer complaint received 2022-06-01
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. (TX)

According to 12 CFR Part 1016, I have the right to privacy. On XX/XX/2022 I walked into the dealership approved for a vehicle. I noticed that on XX/XX/2022 that I have several inquiries from XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX that I did not consent to. I was already approved through XXXX XXXX and did not see a need for these hard inquiries.
Consumer complaint received 2022-06-01
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. (NC)

XXXX XXXX XXXX XXXX acct:XXXX  XXXX XXXX acct:XXXX XXXXXXXX XXXX acct : XXXX XXXX  acct : XXXX XXXXXXXX acct : XXXX XXXX XXXX acct : XXXX XXXX acct : XXXX XXXX XXXX Acct : XXXX XXXX acct : XXXX XXXX acct:XXXX XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX  Acct : XXXX XXXX XXXX Acct : XXXX XXXX XXXX acct : XXXX XXXX Acct : XXXX XXXX Acct : XXXX XXXX Acct : XXXX XXXX XXXXXXXX Acct : XXXX XXXX XXXX  Acct : XXXX XXXX XXXX XXXX XXXX Acct : XXXX XXXX Acct : XXXX XXXX acct : XXXX XXXX XXXX  Acct:XXXX  XXXX XXXX acct:XXXX XXXX XXXX acct : XXXX 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 2022-06-01
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)

I've written to this creditor to inform them that they have placed inaccurate information on my credit report. I've also asked for proof, which I am entitled to, showing that I signed an agreement taking out credit/debt with this organization : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX Account number XXXX To date, I have not received proof of signed contract with this company. My last correspondence with this organization was XX/XX/22. Since this time, I have waited over 45 days and they have failed to provide an updated correspondence and proof of re-investigation. This company in fact was in violation of the FCRA when they failed to respond to me within 5 business days to let me know that they were working on a response. 

I am requesting that this account be deleted immediately and that Experian and XXXX update the credit report expeditiously since I have already disputed this item multiple times. I also would like a copy of the investigation that Experian and XXXX performed.
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. (IL)

To whom it may concern : I am writing to update/correct my personal information on file with your company. 
Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX  {$5500.00}
Consumer complaint received 2022-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

Greetings, my name is XXXX XXXX and I am reaching out to delete several items from my credit report. I am a victim of identity theft and did not authorize these items on my report. I reported the theft of my identity to the Federal Trade Commission and enclosed a copy of the affidavit. Please delete these items as soon as possible.
Consumer complaint received 2022-06-01
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. (PA)

Greetings, my name is XXXX XXXX and I am reaching out to delete several items from my credit report. I am a victim of identity theft and did not authorize these items on my report. I reported the theft of my identity to the Federal Trade Commission and enclosed a copy of the affidavit. Please delete these items as soon as possible.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, 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 2023-06-24
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. (MA)

According to my research about FCRA XXXX, XXXX AND TRANSUNION Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of XXXX  & XXXX  XXXX  which is impacting my ability to sleep, causing problems at my job & creating unwanted XXXX  in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-08-04
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. (NV)

I have attempted countless times to correct misinformation on my credit files with Equifax, XXXX  and XXXX. I have used all their apps, websites and have mailed certified mail with no response. In some situations the information is so incorrect I am unable to complete a dispute because I can not verify my identity with their programs. My name, date of birth, social security number, previous addresses, employers and derogatory accounts are all incorrect with too many errors to reiterate. They have cut me off from further disputes and NOT investigated my claims. I know there is absolutely zero evidence of many derogatory marks. It is effecting my credit ratings, interest rates and approvals. I have over 22 inquiries on one report because I can not open accounts because of this ; so I must try many companies to get minor limit, high interest accounts and I can not overcome the damage they refuse to address. I have been working for almost two years on this I have gained little ground.
Consumer complaint received 2019-07-02
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. (NV)

This issue is an existing problem which credit bureaus weren't able to resolve.. Their investigation did not fix the account. They said they have verified it but did not give details on how their investigation went.. All they gave me was a paper print out stating the account was verified. This is against the FTC Law and payments were sent timely on this account and was never late..CFPB step  up and fix this error
Consumer complaint received 2022-06-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (MT)

On XX/XX/2022 I was online making a payment on another card I held with Chase bank when I noticed that it said a different account had been closed. I had never received notification that this account had entered inactive status and would be closed if I did not use the card. I called Chase and the representative I spoke with advised me that they were unable to re-open my account and informed me that a letter was sent in XXXX via regular mail. I have an issue where I do not receive a lot of the mail that is supposedly sent to my physical address. The agent was unable to help me and escalated the call to a supervisor who also was unable to assist and advised to contact another department that was currently closed. Chase was unable to schedule a call back and refused to assist me further, effectively passing the buck. The notice was not sent via certified mail and as it did have significant impact to my credit score due to the length that trade line has been open I advised I would be filing a complaint. After further review I was able to locate the document stating the inactive account warning in my online banking, however this was too late and I feel the significance of a closed account warrants a physical letter that is certified to ensure receipt by the consumer when it comes to something as impactful as this with regards to credit.