davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-06
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. (LA)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

This Account is in Violation Of 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy this Bankruptcy shouldn't be on my credit/consumer report XXXX XXXX  Bankruptcy Case Number : XXXX 15 US-CODE 16921 XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

15 US-CODE 16921 XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account. 

there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

15 US-CODE 16921 XXXX XXXX XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2023-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

TransUnion continues to lower my credit score when my balances are GOING DOWN. TransUnion is DANGEROUS to people who are actually working to improve their scores. Will my credit score go UP if I max out my credit cards? Who's running that XXXX  business, a toddler?
Consumer complaint received 2020-06-05
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Flagstar Bank, N.A. (IL)

I had an account with Flagstar bank which was opened with the sole purpose of paying a second mortgage. There are no Flagstar banks in Illinois where I live but I had direct deposits go into that particular account. I suffered a job loss and longer had direct deposits going into that account. The automatic direct debit made my account go negative until it was turned off. My account was negative {$440.00} plus {$36.00} overdraft fees. I called Flagstar and they were kind enough to reverse the fees and stopped the overdraft until I start making payments again. 

In XXXX when I got a tax refund, I trued to deposit a check through the mobile baning app. They rejected the check because they said I had altered one of the XXXX 's in 2020 ( Unblievable ). Since i did not live close to a branch, there was no way I could go and make a deposit, so I decided to send a XXXX. 

The XXXX did not go through. I spent over an hour trying to explain my situation first to the customer service rep and then later to her supervisor. They told me the account email address was valid but online it kept telling me it was registered with a different bank. I tried and tried and eventually had to give up. 

Today, XX/XX/2020, I logged to the bank to see if the direct deposit for a new job I found in XXXX went through and to see if it zeroed out the negative balance as I have had direct deposits going through since XX/XX/XXXX every Friday. I was informed by XXXX in Corporate in XXXX, MI that my account has been charged off and will be showing up on my credit. Unbelievable. This is after I had called repeatedly, sent in a check and XXXX a few times. His solution was for me to call collections and dispute the item on my credit report. Reference # XXXX
Consumer complaint received 2020-09-15
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. (CA)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results
Consumer complaint received 2022-08-28
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. (MD)

In accordance With the fair credit reporting act XXXX account XXXX XXXX Has violated my rights.

15 USC 1681 Section 602 States that I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not Furnish an account without my written instructions.

15 USC 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.
Consumer complaint received 2020-09-15
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. (NC)

Ive contacted Experian, XXXX, XXXX  and they keep telling my FTC report is not a verified document from the FTC. They state that the federal trade commission said the document is not valid I want the item removed from from my credit report
Consumer complaint received 2020-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (HI)

Went online to place a credit freeze with Experian on XXXX XXXX and they said it was free. That is all I wanted to do. Then they enrolled me in a monthly membership without my knowledge at {$22.00} per month and never sent me any credit reports. I called them to cancel and wanted a refund on XX/XX/2020 and they cancelled it and refunded only one month. I never wanted this and feel they take advantage of us senior citizens. I never got anything free that they advertised on their web site except for the freeze on the account. 

Tired of companies taking advantage of seniors.
Consumer complaint received 2022-08-28
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: Fidelity National Information Services, Inc. (FNIS) (IL)

XXXX has successfully closed my checking account due to an overdrawn amount ( {$510.00} ). This is after a supervisor threatened me to be reported to chexsystems, in which they did affecting my ability to apply and get approved with other bank services. What's horrid about this is they have consistently failed to address my concerns including follow ups via chat and phone calls. 
I never neglected my overdrawn account, I'm the one who has communicated with them properly, but in return, I was given false or misleading information. They were no proper channels of communication from their end. Even XXXX, their so called " XXXX XXXX '' failed to truly identify their mistake, which I believe is the inability to connect and address concerns from their customers. He claimed that they followed the law and regulations that are congruent to reporting, but failed to re investigate and grasp the root cause of this chaos. If proper communication was only given to me, I would have proceeded to go another route ; if proper expectations were set firsthand, I would have not relied to any of their services pertaining to disputes.
Consumer complaint received 2021-08-20
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Santander Consumer USA Holdings Inc. (GA)

Someone leased a car in my name in 2017 I believe I didnt even have license or insurance at this time but they purchased a car off-line for about XXXX the car was picked up for non-payment and they sent me a letter stating I owed {$6400.00} because they saw the car and Im responsible for the rest they put it on my credit I contact the credit bureaus and my bank. The company was XXXX XXXX and the debt collector as for Santander now is XXXX XXXX
Consumer complaint received 2020-09-15
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (FL)

on XX/XX/2020, i submitted my 2nd dispute letter to Experian regarding some questionable accounts that were being reported. they responded back, with what i believe to be a stall tactic or letter, stating that they were '' unable to honor '' my request for a dispute. As per the FCRA, i sent everything needed that identifies me. in addition, they even removed items in the previous month that i had disputed, which is why i believe this is a stall tactic on their behalf and that they do not want to remove items that they know they will not be able to verify.
Consumer complaint received 2022-08-28
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)

I sent a letter out in XX/XX/2022 to XXXX, XXXX, and Equifax. Here is my tracking number # XXXX XXXX XXXX XXXX XXXX. However its been more than 30 days and the credit bureaus failed to send my investigation back. This is not making any sense. 

According to the Law U.S. Code 1681i- Procedure in case of disputed accuracy if the completeness or accuracyof any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2023-07-05
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. (TN)

I strongly request the removal of these deceptive accounts from my credit report, as I have never authorized anyone to use my account. It is crucial that you promptly eliminate this incorrect account from my record.
Consumer complaint received 2021-08-20
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Santander Consumer USA Holdings Inc. (TX)

Santander Consumer USA is actively engaged in abusive debt collection practices and inaccurate credit reporting against me. I have sent Santander several letters directly to resolve this matter amicably. Attached below is my most recent cease-and-desist letter and challenge letter which they received as the tracking number via USPS certified mail confirms. I ask the CFPB to ensure Santander Consumer USA deletes this account from my credit reports as it is in violation of federal laws under the FCRA and FDCPA. My attached letter outlines all the issues and violations. It is illegal for Santander to continue communicating with credit reporting agencies after receiving my cease-and-desist letter which is in there possession as of XX/XX/2021.
Consumer complaint received 2021-05-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION (TX)

Simple Bank backed by bbva was bought by XXXX. when they aquired bbva. we were promised seamless transition. on a friday before XXXX XXXX they decided to do the transition. my girlfriend and i have been locked out of our apps for bbva due to technical issues. as have many other consumers. i tried calling and every time they would hang up on me. the same happened today, they are also going to charge us for fees that we need to opt out of which i cant even opt out of due to not being able to access my account.
Consumer complaint received 2019-11-19
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: General Motors Financial Company, Inc. (LA)

On XXXX XXXX and XXXX XXXX I sent letters to Gm Financial asking for copy 's of documentation related to the deficiency they claim I owe on a repossession. I never received the legal documentation that i requested so I sent a second letter requesting the same documentation. Their reply for the first and second letter was the same. They sent me a copy of a contract and a copy of a billing statement on both occasions. They also sent me two other letters which are included in my uploads. Under the laws of UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the  required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to.They are required to provide me with copies of the legal notices and proof of the commercially reasonable manner of the notification and resale of the subject vehicle. I have never received any of these legal notices and documents. On the account payment history that they sent me it states that this account was charged off in XXXX.I did not receive this in XXXX and I still have not received them in XXXX even after 2 written request.
Consumer complaint received 2022-01-07
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. (NJ)

All three of the consumer reporting agencies TransUnion, XXXX, and XXXX has been reporting late payment for my credit card with XXXX XXXX. I reached out to all three agencies and all of them gave me the same generic response that the late payment is reporting correctly after their investigation which is not correct. This led me to believe that they are just using an automated system to reply to letters to consumers. This is unacceptable and frustrating. They are not a government agency and I never gave them permission to gather any data on me, why am I jumping through all these hoops for them to correct an error reporting on my consumer reports? I reached out to XXXX XXXX  myself, they stated that I have never been late on my account. I am attaching a copy of my statement for the period listed as late on my consumer reports as proof that I was not late. Because of this, Ive been denied credit and given a higher interest rate on a loan that I applied to. I am demanding that this is corrected right away before this issue is brought up in federal court to exercise my rights under the FCRA which I will be sure to demand the maximum remedy for each violation.
Consumer complaint received 2019-03-31
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Vargo & Janson PC (CO)

In XX/XX/XXXX and XX/XX/XXXX I was at XXXX XXXX college trying to the knowledge I needed to be a successful automotive tech and because of the school regulations after my class was over I met after school to meet an instructor at his shop to help with homework and to help me understand how a business works at XXXX I was not an employee however a creditor started making calls there and I didnt appreciate being bothered while I was trying to learn. I went on from XXXX to go to XXXX XXXX after this creditor messed up my relationship I had with the instructor at XXXX .. Im still very XXXX this even happened and I lost XXXX dollars because I failed that semester and creditor took school funds. I told this creditor I was in school and it was on a legal document in XXXX county however I was completely ignored While attending XXXX XXXX I was offered a chance to attend training and schooling at a body shop all was through XXXX XXXX in XXXX and it was not a job. In XX/XX/XXXX Janson and vargo started garnishments on student funds took XXXX creating problems with my tools then continued to take XXXX a week till XX/XX/XXXX when I was placed on medical leave Im furious that I was bothered while trying to pass a very hard course. Thanks to janson and vargo my position was given to someone else and I lost the tools that where given to me XXXX from XXXX XXXX. My tools are now being repoed Im 13 weeks behind. So I spent 30 years trying to build a career only for screwed up creditors to destroy everything I worked hard for. I filed many complaints on here and other agencies and was told that I was sent documents to exempt this yet no papers ever showed up at my address. I was completely taken advantage of if I knew everything about law I wouldnt be having to pay for an attorney constantly. Your a complete disgrace and hope your happy with completely destroying my life all over a debt I doubt I owed. I just had to freeze my credit do to fraud and identity theft
Consumer complaint received 2022-08-28
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)

I sent a letter out in XX/XX/2022 to XXXX, Transunion, and XXXX. Here is my tracking number # XXXX XXXX XXXX XXXX XXXX. However its been more than 30 days and the credit bureaus failed to send my investigation back. This is not making any sense. 

According to the Law U.S. Code 1681i- Procedure in case of disputed accuracy if the completeness or accuracyof any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2019-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLIANT CREDIT UNION (CO)

I have an account that was closed in 2016 but recently i noticed a 30 day late pay show up. It shouldn't be possible to have a late pay show up on an account that has been closed for 2 years. I have tried to have the bureaus correct it but had no success. Please help me.
Consumer complaint received 2019-01-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NJ)

I paid my total balance due on my credit card for XX/XX/XXXX ( the very day the bill arrived ) by phone payment ..by check. the message said your payment has been accepted amount XXXX. On the next bill arriving XX/XX/XXXX I was charge a XXXX fee for the balance not paid and non payment fee. so the XXXX. XXXX was added to the new charges for XX/XX/XXXX. I promptly paid the old and new amount complete by check. it is now accepted. I filed a complaint with NJ banking and insurance ( they are referring case to you via S. Case, XXXX XXXX XXXX XXXX ) and was contacted by XXXX Visa by several letters that say nothing. paragraphs about how they are reviewing it and we are not promising any refund of the XXXX. Point is I had no idea visa didnt get payment or if it is even true. they had 17 days to inform me the payment did not go through before the XX/XX/XXXX due date. I could have sent the payment again. I found out of the fee on the next bill 28 days later. I am saying that they found with the big stock market crash late XXXX the best way to charge up lots of revenue for the end of year impose fraudulent fees on customers to balance out. I am sure it is that and I will not pay the fee, but many will. This need investigation.
Consumer complaint received 2019-01-26
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (PA)

I have a student loan with Navient. I've been paying on it for 5+ years and my balance has not decreased. I feel this is a negative amortization loan and I was not aware of that. I also think that certain payments I have made have not been applied correctly to my principal. I looked at the payment history and none of my regular payments have any portion applied to my principal. If I want to refinance this loan to another lender then the balance I transfer is higher than it should be after paying for 5 years. All I've been doing is paying interest and my principal has not decreased.
Consumer complaint received 2019-11-19
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: Waypoint Resource Group, LLC (CA)

Ive talk to them several times on the phone Ive asked him to please remove it. 
Explain to them that this was not my doing I have paid it. Im trying to better my credit report. 
This would really help my credit score if they can remove it completely from my credit report.