davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

In accordance with the Fair Credit Reporting act XXXX, Transunion and XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

These addresses and names do not belong on my credit report. 

Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, Mi XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mi XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mi XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mi XXXX - XXXX Names : XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

Why?????? Experian and XXXX XXXX XXXX XXXX ( XXXX ) continually label my request for information as duplicate without ever supplying the request. Why? I have requested for 5 years the a valid signed and dated permissible permission used to access my credit report in XX/XX/2017 but both companies play games and ignore like children. They realize they did not have permission but instead of owning up to it, they will act like childish politicians and attorneys and hope it will go away. Neither are professional companies on XXXX XXXX but lying sneaky little children.
Consumer complaint received 2022-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

This is the several times I've complained about being a victim of identity theft. You must remove/block any inaccurate information that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not information relating to any transaction by the consumer. Here are the list of inaccurate information that needs to be remove : XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2022 XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2022 XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX A XXXX XXXX XXXX XXXX XXXX, GA XXXX
Consumer complaint received 2022-07-14
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (IL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX 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 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2019-09-06
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. (NC)

On XX/XX/XXXX, my wife and I sent investigation requests to Equifax and XXXX XXXX. They were supposed to investigate the errors on our report, and respond within 30 days. They have not.
Consumer complaint received 2018-12-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (TX)

Previously I submitted a dispute for the overcharge of the {$140.00} charge from XXXX XXXX XXXX on XX/XX/18. In this dispute, I included a copy of the XXXX/XXXX XXXX  XXXX XXXX, which states the hotel would honor the best public rate plus 20 %. Also included with this dispute was a copy the best available rate as well as the invoice not honoring the published guarantee. 
On XXXX18, well past the allowed time to investigate and settle disputes, Chase sent me a letter requesting information which had already been provided. Because no further information was provided Chase neglected to continue the investigation and pursue this chargeback in violation of 1666. Correction of billing errors
Consumer complaint received 2018-11-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

On XX/XX/18, i received an email from XXXX stating there was a change made to my credit score. Upon review of this information, there was a suspicious inquiry made with XXXX on XX/XX/18 in an attempt to open an account in my name. This is a fradualent account and this inquiry has lowered my credit score. A phone number ( XXXX ) was also added to my credit report and this number does not belong to me.
Consumer complaint received 2023-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I want these items immediately re-investigated and for a good cause. These inaccuracies are highly injurious to my credit rating. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-28
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. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: COLLECTIONS USA, INC. (GA)

XXXX XXXX XXXX  reported an invalid balance and eviction onto my report that also later went into collections unknowingly after we went to court and the amount was dismissed due to the reported balance from the leasing company being incorrect. It is now showing up as an eviction as well when I moved voluntarily. And the corporate office has been giving me the run around and telling me to deal with the collections agency.
Consumer complaint received 2022-07-27
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (PA)

On XX/XX/2022, XXXX XXXX XXXX I, got an email stating the following Upon careful review, we believe your account has engaged in prohibited use in violation of our Terms of Service and we regret to inform you that we can no longer provide you with access to our service. We respectfully request that you follow the on-screen instructions presented when you sign in to your Coinbase account to send any remaining balance offsite to an external address. 

But I did not do anything that violated the terms of serivce. So I would like my account reinstated as I did not break the terms of service
Consumer complaint received 2022-07-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (GA)

On XX/XX/22 we paid {$1200.00} for a security deposit and first month rent for my sons first apartment through an online roommate service. We have a signed lease between the parties involved. Turns out she didnt own the apartment and it was a scam. 

Within 10 days we contacted Venmo who the payment was sent through and notified them of the situation and that a police report with the XXXX XXXX GA XXXX XXXX would be filed as well. ( Police report XXXX ) Venmo initially said since we had a signed lease and didnt receive the said property that it seemed cut and dry that we would be good candidates for a refund. 

Venmo then denied the refund. We contacted our bank, who the funds pulled from, and they said since we used Venmo that they cant assist. 

Since then the scammer has made multiple contact with us with stories and asking for monetary help which we declined
Consumer complaint received 2018-11-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

creditor : XXXX XXXX XXXX XXXX Balance:XXXX account : XXXX creditor : XXXX XXXX XXXX XXXX XXXX   Balance:XXXX ACCOUNT : XXXX creditor : XXXX XXXX XXXX Balance:XXXX account:XXXX creditor : XXXX XXXX Balance:XXXX account:XXXX creditor : XXXX XXXX XXXX XXXX Balance:XXXX account:XXXX creditor : XXXX XXXX XXXX XXXX XXXX Balance:XXXX   account:XXXX THESE ARE MY SONS ACCOUNTS AND THEY PUT THEM ON MY CREDIT! PLEASE REMOVE THESE ITEMS!
Consumer complaint received 2018-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

I really hope you can help me, there is inaccurate information on my credit report. Because i'm not sure what information you require regarding each account, i have enclosed a copy of my credit report with the incorrect items circled, and my explanations written right next to them. Please update the information to show PAID IN FULL, never late, or delete the item from my report as soon as possible. Thanks for your help! 

XXXX/XXXX XXXX XXXX XXXX XXXX XXXX Date opened>>>>>> XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date Opened>>>>> XX/XX/XXXX
Consumer complaint received 2018-11-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (NY)

I have a mortgage that is serviced by Ditech Financial LLC on a property I own in Connecticut. In the entire history of this loan, I have never missed a payment or even been late on one. I received a letter dated XX/XX/2018 from a collection agency alleging that Ditech had not received my mortgage payment that was due by XXXX. Subsequently, I logged into my account and saw that the payment for the exact amount ( {$1400.00} ) was submitted 2 days early - and received - on XX/XX/2018. 

The payment was submitted electronically. However, Ditech misallocated the payment, directing the entirety of the proceeds towards principal. This is not how I had arranged the payment, through their own system. 

To make matters worse, they opted to refer the matter directly to a collection agency and applied a late fee to my account. 

This is easily the 5th time I have had this issue arise with Ditech, and I am beyond tired of having to spend my time pointing out errors of their own creation that have a meaningful effect on me.
Consumer complaint received 2022-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

In XXXX of XXXX, I had an account with XXXX for auto insurance that had been raised in premium in months prior. The payment was out of my budget at the time and therefore I began searching for a new Auto Insurance carrier. I obtained a new carrier in XX/XX/XXXX. I then alerted XXXX and asked for them to cancel my policy. The agent stated that they needed the new company to provide them with the new insurance information to cancel. My new carrier gladly sent the proof of insurance over for them to comply. I then spoke to an agent again whom at that time stated that the policy had been canceled by me, and that there was no payment or outstanding balance due. At that time, I believed this matter was resolved and there would be no future issue with any of this. 

Fast forward to XXXX of XXXX. I have since gotten a better paying position, and had began to look at my credit in hopes of purchasing a home this year. There I found a collection from XXXX, on the above said account. I have attempted to have this corrected through XXXX and through the credit bureaus with no relief. I also have an email issued form XXXX stating a {$0.00} balance. When trying to present this to XXXX or any of the credit bureaus, I have been told that they are refusing to honor their own communications to me stating that I have a {$0.00} balance with their company. This entire situation has been beyond frustrating.
Consumer complaint received 2018-11-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: General Motors Financial Company, Inc. (FL)

To Whom it May Concerned : After several attempts to fix this problem, first with the Department of Agriculture, then with CFPB submitted twice, I still struggling to solve this issue with GM Financial. One of your agents recommended me few contacts seeking for help. I contacted Florida General Attorney at XXXX, the agent advised me to contact CFPB and requested a grievance form. As I explained before I bought this car a XXXX XXXX XXXX in XXXX with a value of {$6900.00}, I was agreed to pay {$260.00} for 72 months with accrues daily interest. 
On XXXX I went to emergency room ( XXXX yrs.old ) from my work, I was admitted in the 2nd floor ( XXXX XXXX ) and stayed 4 days, I was discharged with restrictions one of them DO NOT DRIVE, because I have debts to pay including the XXXX, next day I back to work, meaning if I didn't make my payment at that moment was because I was very sick, I made late payments but i also paid my late fees and of course they fooled me with an extension. 
I recovered from my illness I went back to work full time, I did my payments accordingly. 
On XXXX again went to emergency room and I was discharge but to follow up with a lot of XXXX XXXX and XXXX I kept working, I wanted to make my payments. By XX/XX/XXXX again got very ill, so I decided to pay off the car before i turned XXXX. But since then it have been a nightmare with GM Financial. I have paid XXXX for 72 months ( XXXX ) for a car in the amount of {$6900.00} a total amount interest of {$12000.00}, the payment of two cars without interest. 
On XX/XX/XXXX, I sent an email explaining them my financial crisis. They called me offering me help so I met a commitment of {$300.00} by XX/XX/XXXX and {$300.00} by the end of the month. On XX/XX/XXXX, my paycheck was of {$430.00}. Therefore I could only pay {$270.00} and my account was overdraft. 
On XXXX, I received a GM Financial invoice dated XX/XX/XXXX with a total amount of {$1500.00} to pay and O PAYMENTS TO GO. I went to their page and they had a total amount of XXXX another discrepancy, always discrepancies. 
I think this have been very unfair, inhuman, and unnecessary for a company like this to continue with this embarrassing situation.
Consumer complaint received 2019-01-14
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. (LA)

I have been the victim of ongoing ID THEFT and have a few fraud accounts as well as other info reporting on my TRANSUNION credit report. I have sent in supporting documents as well as other info in support of this. I am aware my file is begin handled by the specialized fraud team within TRANSUNION. the following is fraud and please needs to be blocked or removed. Thank You. 
1.XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX 2.XXXX XXXX XXXX Inquiry : XX/XX/XXXX 3.XXXX Inquiry : XX/XX/XXXX
Consumer complaint received 2018-05-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (FL)

On or about XX/XX/2002 I tried to file a forbearance with then Sallie Mae ( Navient ). I had just had my XXXX child and had not found adequate work to pay my loans. The loans were near default when I called the provider. They promptly sent the paperwork out to complete and return. After doing so the provider let my loans default and when I heard from them again. They used pressure tactics to get me into a rehabilitation program which I signed on and then began to pay the payments to which I could not afford. I ended up having to sell my house and move which is when they were not able to find me and I let my loans slip into default again.
Consumer complaint received 2022-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I filed a dispute in regards to the incorrect and out dated items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2018-05-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc. (CA)

This is in regards to the last bill from XXXX XXXX XXXX for internet service ending in XX/XX/XXXX. I ended the service and moved hundreds of miles away. I provided my new address. I even stopped by an XXXX XXXX XXXX store to close the account. I never received any notification of any balance due. 

In XX/XX/XXXX, my credit report was pulled to secure a pre-approval for mortgage and there was no notice of the debt. My credit was pulled in XX/XX/XXXX, and my credit report showed that XXXX XXXX XXXX send a balance due to a debt collector for {$140.00}. I never received any notice of this debt. This caused my credit score to drop two credit tiers and will drastically increase my mortgage rate. 

As soon as I saw my credit report, I called the company ( told them of my situation ), and paid the amount in full. I was encouraged to pay it in full instead of disputing it, because I was on a tight schedule for my mortgage and paying it would improve my credit scored. I called all the credit report agencies to ensure that the reports show that it was paid in full. My credit report was pulled again and there was no change in my credit report. I contacted the company and they didn't offer any assistance. They didn't say anything that could help me.
Consumer complaint received 2018-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

My account was in forbeatance but my credit report for that time period shows late payments I tried co texting the loan provider to get it fixed and they said they dont correct information with credit reporting agency. I tre IED credit reporting agencies and they didnt change it either
Consumer complaint received 2019-01-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (TX)

Sallie Mae, now Navient, did not inform me in Fall of 2007 that I could have transferred my loan to XXXX XXXX. I started working as a public service librarian at a XXXX XXXX XXXX in XX/XX/2007. The PSLF program began in Fall 2007 with XXXX XXXX. Sallie Mae should have informed me that I could have transferred my student loans to XXXX XXXX at that time. This mean that I have been neglected the opportunity to be forgiven from the bulk of my student loan debt ( considering that I am still work as a pubic service librarian at the same place since XX/XX/2007 ). When I contacted XXXX XXXX about this matter, they said it was out of their hands and their was nothing they could do about it. Should I contact the Ombudsman ( if so, what is the contact information ) or should I start/join a class action lawsuit against Navient ( formerly Sallie Mae )? Please advise.
Consumer complaint received 2019-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MO)

I have tried working with the credit reporting agency to correct my info, however they are not helpful at all-there shows to be a XXXX XXXX XXXX XXXX account that should be removed -this info is not correct in it reporting. XXXX has already removed this account and XXXX has not updated to be in the same accord. This info is effecting me is many ways then one.
Consumer complaint received 2020-10-26
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I've written Transunion in regards to date of last activity on my account for XXXX and they have not responded back or sent any results.
Consumer complaint received 2019-09-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

On Friday XX/XX/XXXX I made a withdrawal from my Bank Of America card. I went on holiday for the XXXX XXXX weekend and returned on Monday and couldnt find my wallet. I checked my bank account and noticed that my account was emptied by numerous transactions over the weekend and immediately called and reported it. This week Bank Of America has decided to deny my claim trying to tell me that its consistent with the transactions made on my account when that is not the case. I had multiple bills that were supposed to be withdrawn from the account but were getting returned because of these fraudulent transactions and Bank of America has no intention of trying to find a resolution.