davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-18
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. (SC)

I am a natural person and living human being. I am aware that I have consumer rights under 15 US CODE 1681 and 15 US CODE 6802. 

Transunion is governed by 15 USC 1681 and 15 USC 6802 and they have violated my rights numerous times. I demand all the accounts listed below be deleted from my consumer report because according to 15 USC 1681 and 15 USC 6802, I have the right to privacy and I did not provide Transunion written permission or instructions to furnish these accounts on my consumer report. This is not a request for verification or validation of debt. I want Transunion to do what is fair and equitable to me as a consumer. 

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 Please see attached
Consumer complaint received 2022-08-18
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. (GA)

In accordance with the Fair Credit Report acXXXX XXXX Account XXXX XXXX # XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Address I no longer live that I'm subject to identity theft. 
XXXX XXXX XXXX XXXX, GA XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2019-02-15
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: EQUIFAX, INC. (AZ)

I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX XXXX  and XXXX XXXX
Consumer complaint received 2022-08-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: NAVY FEDERAL CREDIT UNION (CA)

On XX/XX/XXXX Navy Federal Credit Union took {$3000.00} from my checking account to pay off a collection that had a payment plan in place. No notification by mail or phone was received to help remind or resolve this debt. Nor was i notified that they were going to draft that money. The last payment was made in XX/XX/XXXX. I had made payments to other credit cards and now they stuck me with over draft fees because they drafted money without my consent. I had changed jobs and was struggling for awhile. I made phone calls to try and resolve this issue and requested that the collections supervisor return my call on XX/XX/XXXX and have not returned my call. I am angered by this because of the financial burden NFCU has placed me with this draft. And when i asked why i had not received a call the representative gave me attitude and said well you didn't call us either.. I am personally disgusted by the attitude and stance NFCU has placed over their veterans.
Consumer complaint received 2022-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX continues to report the initial delinquent date incorrectly with the credit bureaus With regards to the XXXX account on my credit file. 

This is their data here attached that clearly shows the initial delinquency is XX/XX/2017 per their own records. 

If not fixed immediately I am hiring attorneys to Sue all involved.
Consumer complaint received 2022-08-18
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. (SC)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -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 XXXX XXXXXXXX 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 an account without my written instructions.
Consumer complaint received 2022-08-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (IL)

XXXX is the servicer, mortage in XX/XX/2007 been payi ng XXXX a month on. XXXX mortage but the balance only. Went down to XXXX to date after all these years they said they would investigate still waiting no results your. I input will be appreciated thank you.
Consumer complaint received 2019-02-08
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (NC)

I just began this lease with XXXX XXXX. My 1st payment with XXXX XXXX   was due XX/XX/XXXX. I went onto their website on XX/XX/XXXX and processed my payment, however, on my bank statement it came up as being withdrawn twice. Once on XXXX XXXX for {$460.00} and once on XXXX XXXX for {$460.00}, not sure why one is {$3.00} more. I called on XXXX to get the {$460.00} returned to me. They told me to fax my bank statement ( attached ) showing the payments cleared to their account servicing department. I have faxed this information 3 times since Tuesday and they are still claiming as of this morning they have not received it ( I have the fax confirmations for all 3 if needed ). I had an initial problem with faxing anyway since it's not secure and I'm sending my bank account information over an unsecure communication method. Plus, they are lucky I'm in a position to have the extra money in my account. If I was living paycheck to paycheck like many I would be left with nothing. I want the payment of {$460.00} returned immediately!!!! This was my 1st payment with this company ... my 1st experience and this is what I'm dealing with. I want my money back now!
Consumer complaint received 2019-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I am enclosing a copy of the letters that I mailed to your company via mail requesting that you verify the alleged debt your company claims I owe. I sent two letters to TransUnion and XXXX. First letter regarding accounts that was not verified. It was over 30days and I have not heard back from either company. So I sent another letter regarding no response and they have still yet to respond to me. This was last year 2018 in XXXX and XXXX.
Consumer complaint received 2022-08-18
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Convergent Resources, Inc. (TN)

I was called by my father today and informed that the collection agency has now contacted my little brother XXXX who is in the XXXX XXXX trying to get a clearance. They were told to stop calling members of my family as it violates state and federal laws. This marks a year long issue with this company.
Consumer complaint received 2023-07-21
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 am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score.
Consumer complaint received 2019-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (NY)

Equifax keeps disputing my XXXX account for no reason at all. 
They are intentionally disputing this account without my permission. 
I want Equifax to STOP disputing my XXXX card account and notify XXXX of the error they are making. This is the third time Equifax has disputed my account for NO REASON AT ALL.
Consumer complaint received 2022-08-18
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2019-04-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (OH)

Over the course of XX/XX/XXXX, I have directed two seperate over payment s on student loan accounts handled through Navient. One payment was made on XX/XX/XXXX, and the other on XX/XX/XXXX. 

Payment Confirmation # : XXXX Amount : {$400.00} Scheduled for : XX/XX/XXXX Payment Confirmation # : XXXX Amount : {$300.00} Scheduled for : XX/XX/XXXX I recieved confirmation emails confirming the payments have posted, and can see the funds have been removed from my bank account. However, these payments are not reflected on my navient account at all. The Navient website states the information is up to date on the for the day the information is accessed, and that it my take up to two days for payments to reflect on the account. It is now XX/XX/XXXX, XXXX payments are not reflected, and the one of the payments is almost a month old. I would call navient, however my work hours make it difficult to find time as I work a lot of overtime, and they have failed to provide an email address or other contact method. I would like to know why my payments have not been reflected on my student loan accounts and weather or not further interest has built up as a result. I am a current student and do not currently have monthly payments due.
Consumer complaint received 2019-02-08
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (NJ)

I was alerted by XXXX the Midland Funding LLC had made an unauthorized hard inquiry on my report. Midland was removed from my report in XXXX. I called XXXX on XX/XX/XXXX at XXXX. I wastold they did not do the inquiry and that i need to have XXXX remove it. XXXX said Midland isnt being honest because they did initiate the hard inquiry. I recorded the call proving they said it wasnt them so i would like this inquiry deleted ASAP. This company is well known for there poor business practices.
Consumer complaint received 2023-11-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc. (CA)

This morning around XXXX o'clock XXXX XXXX I tried to make a transaction to sell all my XXXX XXXX XXXX for XXXX amount of around {$70000.00} and till this moment. That transaction is pending so I am not able to cancel that transaction so I could do another one or I can't do anything with that money cause it's just pending and therefore, I'm not able to put my money into other investments just because they chose to not give me my money back. But when it comes to depositing my money. They have no problem taking it right away. But when it comes to giving you a money back, they take their sweet time. And then tell me that the only way I can contact. Customer service is via email. Which is the slowest form of communication which I think is. So ridiculous when they're playing with my money. And money is very kind of in the moment. Kind of thing cause right now. I probably lost about {$5000.00}. Just be not able to invest in the company I wanted to. And now I have to wait for them to XXXX. Contact me via email instead of just talking to me over the phone, when their customer service reps, don't seem to be able to help with anything but yet the people that I can can can only be contacted by email does that make sense if they're you know conducting business with our money? I think that it should be with somebody in real-time not somebody that's going to answer our questions a day later or half a day later. I want somebody to answer my questions now and help me now. So I can get my money to where it once soot now. Not to, morrow, not the next day. But now. I will not be using the service after this cause. I find it very unreliable that I can't get my money when I need.
Consumer complaint received 2022-08-18
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. (FL)

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX, Account # xxxxx XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX Account 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-08-18
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)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -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 XXXXXXXX -US DEPT ED 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 an account without my written instructions.
Consumer complaint received 2019-02-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation (NJ)

Name on Mortgage : XXXX XXXX ( XXXX XXXX XXXX ) Name on deed : XXXX XXXX  XXXX Mortgage Holder : PHH Mortgage, XXXX XXXX XXXX, XXXX XXXX, NJ XXXX Loan Number : XXXX First Payment Date : XX/XX/XXXX Last Payment Date : XX/XX/XXXX Unpaid Late Charges : {$0.00} On XX/XX/XXXX I received a monthly mortgage statement demanding payment by XX/XX/XXXX for my monthly mortgage amount. This statement was the first statement that I have received in 7 years. I have paid my mortgage electronically from the same bank since the inception of the loan in XX/XX/XXXX. Ergo, there have been no late payments during the life of the loan. When I called the number on the statement I spoke to XXXX, XXXX  Agent in the XXXX. He kept on saying many times that he had no record of any of my payments and that I would have to go to my bank and make arrangements to set up automatic payments if that is what I wanted to do. He could not offer any other solution to the discrepancy. I have computer documentation from my bank and PHH mortgage showing that I have fully complied with the payment provision of my loan through the XX/XX/XXXX. This morning I have a print out of my latest bank statement showing my XX/XX/XXXX payment cleared and was collected by PHH Mortgage. When I checked my account with PHH, when I log in it says : You do not have any account associated with your profile. This incident is the most current of a whole litany of unpleasant experiences with PHH Mortgage over the past 7 years. 
I am in the process of refinancing my loan with XXXX XXXX and I view the latest actions by PHH mortgage as nothing but harassment to help them retain a good paying customer. I am concerned the PHH Mortgage will jeopardize my refinance application and may also start charging me late fees and ruin my sterling credit rating. Anything that you could do to mitigate the impending situation would be greatly appreciated. 
XXXX XXXX
Consumer complaint received 2022-08-18
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc. (MS)

XX/XX/XXXX I went to XXXX XXXX XXXX XXXX to find a vehicle after i was in a wreck. Santander Consumer USA was the only lender to extended a loan at the time because my credit was still showing the totaled car. I expressed that the insurance company was paying the car off and i would not be owning XXXX cars. At the time my credit was not bad at all it was in the mid XXXX however Santander assessed an APR OF 19.28 % which is ridiculous. I didn't have to put any money down on the vehicle yet the interest rate was through the roof! Now XXXX i have experienced hardships of which i advised them of and they still refused to work with me. Even saying that i need to pay more than the current payment although I expressed to them that i am currently facing eviction! I have tried to work with them and pay them to prevent me from being homeless and without a car. They called me everyday after i told them i would pay them when my car note was due. At this point its harassment. I am being stressed out from the thought of a car being repossessed and rightfully so i feel as if i have paid the car off twice if not XXXX times!
Consumer complaint received 2022-08-18
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. (TX)

FCRA violations : not my name XXXX XXXX FCRA violations : accounts not mine XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$22000.00} Status Collection account. {$22.00} XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$19000.00} Status Account charged off. {$19000.00} written off. {$19000.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1500.00} Status Account charged off. $
Consumer complaint received 2019-02-08
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. (NJ)

XXXX XXXX/ XXXX XXXX is being reported on my credit report. I do not have any knowledge of this loan, this is a fraudulent account that has significantly lowered my credit score, damaging my credit.
Consumer complaint received 2022-08-18
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. (FL)

in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX- I didn't give this company authorization to access my credit report for this reason. 

XXXX XXXXXXXX XXXX XXXXXXXX I didn't give this company authorization to access my credit report for this reason. 

XXXX I didn't give this company authorization to access my credit report for this reason. 

XXXX XXXX XXXX I didn't give this company authorization to access my credit report for this reason.

US DEPT OF EDUCATION- Still reporting after Paid Off XXXX  XXXX XXXX XXXX XXXX - Closed and still reporting