davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-25
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$560.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX. 
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2018-11-21
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. (MI)

I had an account with XXXX ( at the time it was called XXXX XXXX ). The account was opened XXXX, XXXX. I defaulted in XXXX, XXXX. The date of first delinquency is XX/XX/XXXX. XXXX began issuing, and the credit reporting companies began publishing, negative consumer reports reflecting this fact. 

The FCRA allows for the publishing of consumer reports for 7 years. After 7 years, the consumer reports must be removed and no new consumer reports regarding the account may be published. In this case, consumer repeated was required to cease XX/XX/XXXX. 

Despite being informed of this requirement and being asked to stop, XXXX has continued to issue illegal consumer reports on a monthly basis, most recently in XXXX of XXXX. 

I submitted complaints regarding these illegal consumer reports to XXXX, Transunion, and XXXX. XXXX performed an investigation and resolved the issue and removed the illegal consumer reports. XXXX and Transunion failed to resolve the issue. When I contacted XXXX  and Transunion, phone representatives admitted that there had been no legitimate investigation. The phone representatives admitted that their entire investigation had consisted of asking XXXX if the information was correct and then accepting their answer without any analysis. The XXXX phone representative even admitted that he had not, and that he could not, view the documentation that I provided with my complaint. 

When speaking with XXXX and Transunion regarding their failure to properly investigate the complaint or remove the illegal consumer reports, the phone representatives refused to correct the error and instead said that the only recourse was submitting another complaint in the hopes that the next person to perform the investigation would actually do it. 

There have now been three mock investigations performed by XXXX and Transunion. To date, both credit reporting companies have refused to properly investigate the complaint or remove the illegal consumer reports. Every time I contact them, I am recited lines from the same script by phone representatives that do not understand the complaint. This process has been exceptionally frustrating.
Consumer complaint received 2018-05-20
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: Credit Karma (MD)

A rep from the company XXXX XXXX came to my job and asked me to fill out a paper for a loyalty card in early XX/XX/2017. Me and my co workers asked if it was for a credit card and the young lady from XXXX XXXX clearly said no. 
After few months I look at my credit report and I have a hard inquiry from XXXX XXXX XXXX. I talked to the young lady at XXXX XXXX who is the general manager and XXXX said she would look into it but its been over 3months and every time i ask for an update she has no info. I need this removed from my report because I was told false information and did not authorize this inquiry.
Consumer complaint received 2018-11-21
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: The Law Offices of Frederic I. Weinberg & Associates, P.C. (CO)

I received a cal from a weinberg and associates lawyers office. They told me that I had until XXXX XXXX that day to pay them an amount of XXXX dollars or they would prosecute me with a several felonies and a warrant for my arrest would be issued that day. She also said that I signed documents saying that they could do this to me. I got scared and I paid the money. the first person I received the call from was in Georgia while the company that charged me was in Florida. This made me suspicious of the company so I called the original company who I received the loan from and they told me that they were unfamiliar with this company and the agreement I signed said nothing that about prosecuting me legally with felonies. He told me it would be just a small claims court and that is what they contract out to their third parties. I was afraid because this company told me that they had papers drawn up and were sending them to XXXX XXXX   County court where I live to prosecute me for Check fraud. I still haven't called the third parties that the original debtor told me was handling my debts but this company collected XXXX from me with a scare tactic, and from what the original debtor told me that was illegal. The companies that the original debtor said is handling my cases were XXXX XXXX and XXXX XXXX XXXX.
Consumer complaint received 2023-03-25
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)

This is my first complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX : {$1000.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$3400.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX : {$4100.00}, XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2019-09-04
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. (OH)

I have been a victim of identity fraud twice which was reported and I have tried to dispute the unauthorized inquiries with all three credit reporting companies, however I have had no luck and have received automated letters back all stating the same information as to why they can not dispute or investigate the information I have submitted to them. This all started back in 2013 when someone gained access to my information and filed taxes in my name to going to a dealership this past weekend and them submitting my information to different companies without my authorization.
Consumer complaint received 2018-11-21
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: AMERICAN EXPRESS COMPANY (MD)

I have been xperiencing outages with Bluebird.com since XX/XX/2018. Customers are unable to take out cash, access their paychecks or other direct deposit funds, access other funds weve attempted to load, make purchases, or get accurate balance information. Again, in XX/XX/2018 these outages have been ongoing for more than 6 days. Customer service reps have been difficult to reach or non-responsive. Tomorrow is XXXX and I am unable to check my account balance for my direct deposit nor make any transfers due to the outage which persists on their website and mobile app. When logging the page just continues to load then returns an error. I realized Im not the only customer experiencing this problem after checking XXXX
Consumer complaint received 2019-09-04
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. (UT)

I am requesting to dispute the following unauthorized credit inquiries on my TransUnion credit report. These were done without my permission. 

XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX from XX/XX/XXXX I am also disputing the reporting of my Chapter XXXX Bankruptcy XX/XX/XXXX as dismissed. The case was " closed without a discharge '' the court paperwork does not say anything about a " dismissal '' because that is not what happened.
Consumer complaint received 2018-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

I was trying to get a pre approval for mortgage and when my credit report was run, it showed that I had a late payment at XXXX XXXX, even though underneath that information was the monthly payment calendar showing I made each payment. This caused me to not be able to be pre approved. I have been rebuilding my credit and in fact, have been paying XXXX XXXX early. I sent the paperwork they told me to dispute this and have heard nothing. The only issue I had with XXXX XXXX ever was a direct debit issue with my Credit Union last year that was resolved. I need them to remove that late payment blemish on my Experian credit report ASAP. I filed a claim with Experian also and have not heard back. This is criminal that a credit card company can miss report something and it affects my ability to get a mortgage and miss out on a great opportunity of a home I was interested in. 
XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX PA XXXX XXXX XXXX XXXX last four digits  XXXX Thank you
Consumer complaint received 2023-03-26
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. (TN)

I am filing a formal complaint against the consumer reporting agencies for violating my rights under the Fair Credit Reporting Act and 15 USC 1681. The following account on my credit report was furnished without my permission : XXXX XXXX This is a violation of my federally protected consumer rights to privacy and confidentiality, as outlined in 15 USC 1681 section 602 A. The Fair Credit Reporting Act, specifically 15 USC 1681 Section 604 A Section 2, states that a consumer reporting agency can not furnish an account without my written instructions. 

Furthermore, under 15 U.S.C 1681c. ( a ) ( 5 ) Section, no consumer reporting agency may make any consumer report containing any adverse item of information, except for records of convictions of crimes that are more than seven years old. As such, the account listed above should be deleted immediately. 

I also found multiple billing errors on my credit report, which violates the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ). Specifically, 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 

I demand to see proof from the creditor bank account that I was marked late due to non-payment, as I was not notified 21 days before with a statement. As a consumer, I have the right to have these errors corrected on my credit report, and the items below should be updated accordingly. 

( *LATE PAYMENTS? ) If these accounts are not updated immediately, I will pursue monetary compensation for the violation of my rights in small claims court under 15 USC 1681n civil liability. I have already filed a complaint with the State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission. 

Lastly, I did not authorize the following companies to access my credit report, and I suspect that these inquiries are fraudulent : XXXX XXXX XXXX XXXX XXXX, XXXX. CA. XXXX XXXX- XXXX XXXX XXXX, XXXX XXXX TX. XXXX XXXX- XXXX XXXX XXXX, XXXX XXXX TX. XXXX I have contacted these companies and they have no proof that I authorized these inquiries or that there was a permissible purpose. Please remove these inquiries immediately.
Consumer complaint received 2019-09-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NJ)

Om XX/XX/XXXX, after receiving a promotional offer from Santander Bank in the U.S. mail, my wife and I opened a joint checking account at the Santander XXXX branch. Santander promised a {$400.00} bonus if we made {$2000.00} in direct deposits to a new checking account within 90 days of opening the account. 
On XX/XX/XXXX, I instructed my XXXX financial advisor, XXXX XXXX, to make a {$2100.00} distribution from my IRA account and directly deposit it to my Santander checking account. Since I am a preferred XXXX client, who is entitled to free wire transfers, XXXX XXXX made the direct deposit by wiring the distribution to my Santander checking account. 
On XX/XX/XXXX, I called Santander 's published telephone number, XXXX, to find out how I would receive the {$400.00} bonus. I spoke to XXXX, who checked my account and said that I have met the requirements for the bonus. She said that no action was required on my part and that after 90 days from the account opening date, the {$400.00} would be credited to my checking account. 
On XX/XX/XXXX, I accessed my Santander checking account online and found that the bonus had not been deposited. I called the branch and spoke to XXXX, who said that a wire transfer is not considered a direct deposit. I explained that it was a distribution from my IRA and that XXXX made the deposit directly from my IRA to my Santander checking account. I told her that XXXX at the XXXX number said that the requirements were met. However, she insisted that my deposit did not meet the requirements. She transferred me to XXXX, the supervisor, who told me that she would appeal my case to the back office. 
Two days later, XXXX informed me that the back office ruled that the {$2100.00} wire transfer made directly from my XXXX IRA to my Santander checking account would not qualify as a direct deposit. Therefore, I would not receive the {$400.00} bonus. 
I would appreciate your assistance in convincing Santander Bank to do the right thing. I requested a direct deposit. XXXX felt it was taking the extra step by making a wire transfer to expedite my deposit. By the way, Santander charged me {$13.00} for an incoming wire transfer. 
I have included the following attachments : A. Letter from XXXX verifying that I requested a direct deposit and that they directly wired {$2100.00} from IRA directly to Santander checking account. 
B. 4 images showing the promotional offer sent to us by Santander. 
Sincerely, XXXX XXXX
Consumer complaint received 2019-09-04
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: Santander Consumer USA Holdings Inc. (NY)

I contacted Santander numerous amount of times about them reporting incorrectly. I reached out to the XXXX about them Inaccurately reporting a XX/XX/XXXX payment. They eventually deleted the XX/XX/XXXX late payment. After deleting the late payment they started reporting a XX/XX/XXXX late payment which never showed before on my credit report until they deleted the XX/XX/XXXX late payment. 
As stated before i have reached out to Santander multiple times and they are very rude and unhelpful.
Consumer complaint received 2018-11-23
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (NY)

So in XXXX while I was going through XXXX I called to concern about my loans since I'm already in court with XXXX XXXX XXXX due to the circumstance by which my loans were handed out to me and the amount. 


I called Navient asking them for the document of my last phone which the representative told me didn't exist but, that I have now. 


I also inquired with her about my loans and what I could pay.. She stated I would have to pay XXXX or XXXX and that it was the only program I qualified for. Now they approached me after 4 month with a program that I can afford but they hit my credit score each time and never offered it to me prior as if its a tactic to force the customer to pay a fee they don't have. The program I am in is fine now but. I want the full policy on the program and when the program was created and when should it be offered to me. 
They waited to basically financially destroy me ... not realizing that a credit score is required for a decent job and if i don't have a decent job ; then guess what? It puts me at risk of not being able to pay. 

The program I am in now is fine but, they stated that no late fees or interest accrued since i was offered but XX/XX/XXXX I was sent a delinquency notice. When I wrote in during XXXX using this website was the only time they started considering me for the program that fits my financial need and sent me the document for XXXX before that NO one would help so I want to thank the XXXX but, I also want Navient to provide me with the documents of the program and when it was created not just a half of a page explaining the program. Im aware i have a debt but, XXXX XXXX is fully aware of what they did to me my senior year of school causing me not to graduate and having to start from scratch. I built my credit up for Navient to give me no options and choose to destroy it within 4 month only after my credit was destroyed and I wrote in did they choose to actually help me. WHY IS THAT? 

Im happy with my new program but, the treatment, the inaccurate information, and the manipulation is wrong. 

O an then hit my credit score twice for each student loan back to back in XXXX. 
Meaning 6 TIMES in one month. I have 3 loans.
Consumer complaint received 2023-03-26
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

On ( XX/XX/XXXX ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-03-25
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. (MD)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXXwww.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX WASHINGTON, DC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX Balance : {$3800.00} XXXX XXXX XXXX Balance : {$530.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$100.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$500.00} XXXX XXXX XXXX Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$750.00} XXXX  XXXX Balance : {$20000.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$100.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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