davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-13
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. (NY)

Hello, I opened a new credit card with XXXX XXXX and as always I set up automatic payments through their automatic system right away. Two month later without having a single alert or notice, I discover that they destroyed my credit history reporting two late payments. My credit score went from good to fair and I cant apply for any more credit! I already spoke with them and told them that I set up automatic payment which didnt go through. Also I moved to the new address from XXXX XXXX to XXXX XXXX XXXX, XXXX and didnt receive a single bill that my account is overdue to my new address. My understanding was that I setup automatic payments but their automatic system fails on purpose so they can collect their fees. 

Please help me. They destroyed my credit history while it was their fault because they had problem with the automatic payments system. I spoke with their representative and she said that it happens to other customers! I dont trust this company any more when they do such unethical practices - not only stealing millions of dollars but destroying credit history which causes hardship for families. This was such a mistake opening account with them. Wish I never dont this. Also they promised me 0 apr for a year ( that was the reason I signed up ) but then they charging me 28.24 % Please publish my report so it is visible for all the people to read! 

Thank you so much! 
XXXX XXXX XXXX account number ending : XXXX My cell : XXXX
Consumer complaint received 2021-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXXBalance {$6400.00} Date Opened : XX/XX/XXXXXXXX XXXX  XXXX-Balance {$13000.00} XXXX XXXX-Balance {$2200.00} Date Opened : XX/XX/XXXX
Consumer complaint received 2022-11-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc (MO)

Chime.. XXXX XXXX  to XX/XX/XXXX... XXXX $ ..I reported money coming up missing..and chime basically shut my account down..My email and chime was hacked. My XXXX thru XXXX XXXX was also hacked too... I think I may have open accounts in my name I know nothing about..my XXXX account was shutdown..I also see I may have had XXXX obtained somehow. I keep seeing it my email. I need help please sorting this out...
Consumer complaint received 2021-12-29
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)

I have previously disputed with TransUnion, XXXX and XXXX on XX/XX/2021 regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
Consumer complaint received 2024-03-16
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)

XX/XX/2024 RE : Request for Removal of Inaccurate Derogatory Information from Consumer Credit Report To Whom It May Concern : I am writing to bring to your attention a matter of significant concern regarding the accuracy of information contained within my consumer credit report. It has come to my attention that certain derogatory information, specifically pertaining to XXXX XXXX XXXX account XXXX, continues to be reported inaccurately on my credit file. 
I must emphasize the gravity of this situation, as it is not only a breach of federal laws and statutes but also a violation of my rights as a consumer. Upon disputing the aforementioned account with XXXX and XXXX, it was promptly removed from my credit files due to an inability to verify or validate its accuracy. 
In accordance with the procedures outlined in 15 U.S.C. 1681i and its subsections, I have diligently pursued the removal of this disputed account from all relevant consumer reporting agencies. Despite my repeated efforts and requests, XXXX has thus far failed to acknowledge or act upon my legitimate concerns. 
Furthermore, it has come to my attention that the reporting of this account may also be in violation of IRS debt cancellation regulations. According to IRS guidelines, cancelled debt income, such as that resulting from a charge-off or collection, should not be reported on a consumer 's credit report. Given that TransUnion and XXXX have already acknowledged and corrected this error, I expect TransUnion to do the same without further delay. 
I urge you to take immediate action to rectify this situation by removing the inaccurate and misleading information from my credit file. Failure to do so may result in further escalation of this matter, including potential consumer or legal complaints.

Enclosed with this letter, you will find a copy of my credit report highlighting the violations, as well as documentation confirming the removal of this account by other consumer reporting agencies. As well as the General Debt Cancellation from the IRS. 
Thank you for your prompt attention to this matter. I trust that you will address this issue with the seriousness and urgency it deserves. 
Sincerely, XXXX XXXX [ Enclosures : Copy of credit report, documentation of removal by other consumer reporting agencies ] Please note that a copy of this letter has been sent via certified mail to ensure its receipt and has also been forwarded to the U.S. Bankruptcy Court of California for their records.
Consumer complaint received 2018-01-21
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MD)

Navient is committing the same offenses they committed against other student load borrowers against my niece and I. These are the same offenses for which they are currently being sued by CFPB ; failing to work with students having problems paying their loans, failing to apprise borrowers of available options, including income based payments ; and, steering students to forebearance as opposed to other options. 

Navient reported negative information to the credit bureaus stating that I was 60 days delinquent paying my student loan. They did this in an attempt to bully me into paying my nieces student loan, rather than work with my niece by temporarily reducing her monthly payments to an amount that she is currently able to afford. Ignoring my nieces repeated requests, Navient instead began harassing me and demanding that I begin making the payments. Although my niece was experiencing temporary financial issues, she was still willing to pay reduced payments to Navient until she was able to make her normal payments. Navient repeatedly refused my nieces request and demanded that I begin making the payments to the loan. In an attempt to get me to begin paying my nieces monthly payments, Navient was rude, disrespectful and resorted to bullying and threats of filing adverse information in my credit report. Navient also called my home daily and at unreasonable times of the day and night. In response to my demand that they not call my home anymore, they responded that they will continue calling me until I begin making payments on my loan. After I was not moved by their threats, on XX/XX/XXXX Navient retroactivity granted my niece a forbearance period from XX/XX/XXXX to XX/XX/XXXX, the period of time that my niece made reduced payments to her loan. Though, this retroactive forbearance does not remedy the problem of my nieces need to have her monthly payments amended to an affordable amount in the upcoming months. Navient still reported my alleged 60-day delinquency to the credit bureaus for that period.
Consumer complaint received 2020-01-16
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2020-01-16
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: Franklin Collection Service, Inc. (SC)

I pulled my credit report and I notice a derogatory collection account on my report from a company named Franklin Collection Services. This company did not have my consent to access my private information. This is an act of Impermissible Purpose to pull my credit report and to have negative un-validated information place on my file. After identifying the company 's contact information I sent them a validation letter accompanied with a cease and desist letter. To this date No valid contract with my signature agreeing to contract with this company has been sent to my address. I do not wish to do any business with this company.
Consumer complaint received 2020-01-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (NY)

Citibank USA credit card department declined my credit card application since I dont have SSN or ITIN, however, I have an active checking account with them which was opened XX/XX/2019. I also have an updated US address on my file. I believe they can easily verify my identity due to the fact that I am already a Citibank customer. English is not my first language and I have an XXXX. I applied over the phone and declined my  application. In my opinion, I was discriminated.
Consumer complaint received 2024-03-16
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. (FL)

XXXX, XXXX, TRANSUNION Last XXXX XXXX RE : First Progress To whom it may concern, I am contacting you account. because I have found some information that is PRIVATE BY LAW on my credit repor You are reporting a late payment on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX .and accordance with the fair credit act first progress,, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

XXXX  15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end XXXX  consumer credit plan as late for and purpose 15 USC 1681 S- 3 : ANY REPORT CONTAINING INFORMATION SOLELY AS TO TRANSACTIONS OR XXXX EXPERIENCES BETWEEN THE CONSUMER AND THE PERSON MAKING THE REPORTI This PRIVATE I request that you verify the information and update the payment history account as " PAID, NEVER LATE '' immediately. 
After doing so please provide me with an updated reflecting the changes. 

Best Regards, XXXX XXXX
Consumer complaint received 2024-03-16
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. (CA)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2023-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TX)

I can not log into my Equifax account after multiple attempts to call them, reset passwords, etc. I'm an XXXX and a technically savvy person who knows how to log in to a website properly. When I try to log in with the correct login information I'm taken to a website that says " Please Give Us a Call ''. Reaching an agent on the phone is difficult and they are not helpful. Because I can't access their website I'm unable to quickly access my credit report and manage my credit freezes. I have a suspicion someone has gained access to my personal information but I can't access my credit report because I can't access Equifax website. I attached a screenshot of the website I'm shown when trying to log in to my account.
Consumer complaint received 2022-11-12
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: WAKEFIELD & ASSOCIATES, INC. (GA)

I need your help as an elderly person on exempt income who has been played on so many levels and being ignored when I send letters to all these collection agencies, credit reporting agencies and lawyers over 6 months now back in XXXX and XX/XX/2022 of the alleged debts. There has been ZERO responses but harrassment from collections agencies that only caused me stressors.
Consumer complaint received 2022-02-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Armin, O'Conner & Boch, LLC (TX)

On XX/XX/XXXX- I got a notification from my XXXX credit report that a collections was reported and my score dropped about 20 points. 

Company : XXXXXXXX XXXX XXXXXXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, NY XXXX Phone : ( XXXX ) XXXX I called and asked about the debt, I was then referred to another company - Armin O'Conner and Bach - at XXXX - that wanted me to pay {$1200.00} but had absolutely NO details about the debt except that it is from 2018. 

I have no idea what the debt is, who the original creditor is, the amount or anything but it is reported on my credit.

I was then called 5 times within TWO hours- including voicemails and text messages.
Consumer complaint received 2023-11-30
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: Experian Information Solutions Inc. (CA)

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX Balance : {$12000.00}
Consumer complaint received 2020-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In addition to wrong information on the report. My credit score dropped after i removed a dept of {$42000.00}. I have had perfect payment on all accounts for the past 7 years. Why would the credit score drop when debt is paid? It should have gone up. 

Another problem is with " XXXX ''. I let the reporting agency into my back account and every time it comes back and says it can not boost my score. There are payment accounts that show up every month on my bank account. This is a service that does not work.
Consumer complaint received 2023-05-03
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: MoneyLion Inc. (MO)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mo XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( XXXX XXXX XXXXXXXX ) has violated several of my rights. 
15 U.S.C 1681 section 602 A. Clearly states that 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 furish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Consumer complaint received 2024-03-16
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. (FL)

XXXX, XXXX, TRANSUNION Last XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX-partial acct number. 
To whom it may concern, I am contacting you account. because I have found some information that is PRIVATE BY LAW on my credit repor You are reporting a late payment on XX/XX/23 XX/XX/23 XX/XX/23 XX/XX/23 and XX/XX/23 on the account ( XXXX ) .and accordance with the fair credit act # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

XXXX 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end XXXX  consumer credit plan as late for and purpose 15 USC 1681 S- 3 : ANY REPORT CONTAINING INFORMATION SOLELY AS TO TRANSACTIONS OR XXXX  EXPERIENCES BETWEEN THE CONSUMER AND THE PERSON MAKING THE REPORTI This PRIVATE I request that you verify the information and update the payment history account as " PAID, NEVER LATE '' immediately. 
After doing so please provide me with an updated reflecting the changes. 
Best Regards, XXXX XXXX
Consumer complaint received 2022-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

( XXXX XXXX XXXX XXXX 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 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 conviction of crimes which antedates the report by more than seven years.

15 U.S.C 1681 s-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 2020-01-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ONLINE Information Services, Inc. (NY)

The debt was paid off months ago XX/XX/2019 and the company still refuses to update the credit report, their employees made false report stating that I said I was represented by a lawyer, but all I said was I was refinancing and the payment was coming from my lawyers office because it was paid from a refinance and attorneys pay the debts off XXXX so now they will not talk to me only my lawyer and will not update the credit report, I attached my bank statement showing my last payment of {$.00} .. to the company
Consumer complaint received 2020-01-16
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Stenger & Stenger, P.C (IN)

Today, XX/XX/XXXX, I received a letter from Stenger & Stenger. I have never had any prior communication with this company. 

This letter was sent in an envelope with a return address of the XXXX XXXX Government Center, from supposedly the small claims court. 

However, inside the envelope is an extremely vague notice of showing up to small claims court on a time and date next month. There's no court case, room #, contact information for XXXX XXXX, Judge name, or any other info.

Furthermore, after the sincere panic and confusion, I checked Indiana 's government resource site which showed that no claims or lawsuits had actually been filed against me. I have received no notice from the state or local authorities about needing to appear in court. 

The first hint I had that this was illegitimate were the misspellings on the document. Instead of Case it was spelled cause.

The large giveaway was only when you get to the bottom of the page and it states " This is a communication from a debt collector ''.

It may be a communication from a debt collector but they sure went to a lot of trouble to disguise it as an official document from the state. This is by default against the law as they are actively working to impersonate local government and court systems.