davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-14
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. (CT)

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

XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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 an account without my written instructions
Consumer complaint received 2022-05-14
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. (FL)

I canceled a membership with Experian due to the company was playing with my credit Store. They will add false information to their system. Also, their agents are extremely rude. I added a security freeze in my account and because I downgrade that member Experian retaliated by unlocking my account and blocking me from removing any security freeze. I was able to reach out to one rude agent. Not from the US. Unwilling to help. He was asking me all types of questions when their IVR had already authenticated the account. He lied to me tell me that he unfreeze the account when he did not unfreeze the account and he purposely change my security PIN when I asked him not to. Now, these people have full access to my personal information. I need this to be resolved. I will get legal advice against Experian
Consumer complaint received 2019-04-29
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: Student Loan Finance Corporation (GA)

I had disputed a few dates for my student loan which is now paid off those dates of late payments were inaccurate for a few various reasons and I would like to have them removed has late payments to current payments because they were current or an accurate verification of the payment being late within 30 days or removal of this late payment Trail on my credit report the name of the loan was refund student loan slfc / XXXX XXXX XXXX XXXX XXXX XXXX and the dates were as follows XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. This account was opened XX/XX/XXXX. Loan fin XXXX XXXX XXXX XXXX XXXX SD XXXX the number is XXXX XXXX. The date it was closed was XX/XX/XXXX
Consumer complaint received 2023-03-18
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. (NJ)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report which I have recently reviewed. The report contains incorrect personal information and unauthorized credit inquiries, as well as accounts that do not belong to me. The items are as follows : Incorrect Personal Information : Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I kindly request that you investigate these items, remove or correct the inaccurate information, and provide me with an updated copy of my credit report. If you are unable to resolve these issues, please provide a written explanation as to why the information is considered accurate.

Please note that I am attaching a copy of my credit report highlighting the disputed items. Additionally, I am enclosing copies of relevant documents that support my dispute. For your reference, my Social Security Number last digit is XXXX. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-03-18
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. (CA)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance {$240.00}.
Consumer complaint received 2023-03-18
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. (FL)

The inaccurate and outdated information you have provided is unacceptable and needs to be fixed immediately. If it is not fixed, legal action may be necessary. Your database and credit report should only contain accurate information. 
XXXX Account # : XXXX Account Type : Revolving Account Type - Detail : Credit Card Bureau Code : Terminated Account Status : Open Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$0.00} No. of Months ( terms ) : 0 High Credit : {$4600.00} Credit Limit : {$3500.00} Past Due : {$0.00} Payment Status : Late 120 Days Last Reported : XX/XX/XXXX Comments : - Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XXXX XX/XX/XXXX .I was shocked to think that someone might be looking at my credit report without my permission. The Fair Credit Reporting Act makes it clear that only people with permission to view my credit report are allowed to do so, so I need you to provide proof of your purpose for viewing my credit report immediately. If you can't provide this proof, please delete any potential inquiries related with this company from my credit report
Consumer complaint received 2023-03-18
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. (FL)

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-11-10
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. (TX)

Hello, My name is XXXX XXXX XXXX and I am reaching out to complain on TransUnion for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible. 

I will be listing some dates below that I have sent out to them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.
Consumer complaint received 2022-05-14
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. (CA)

On XX/XX/2022, I recognized there were XXXX accounts on my Experian credit report that showed delinquency which I had no knowledge of opening. These XXXX accounts totaled a balanced of about {$400.00}. Although it was not a significant amount, since these accounts were not mine, I did not agree to pay. I filed a police report, a complaint case with the federal trade commission. Then I submitted these XXXX reports along with my identity proof ( SSN card, driver license ) to Experian via postal mail and also uploaded these files online. Experian still refused to assist me and turned down my complaint, leaving these XXXX accounts on my credit report to affect my credit score and reputation.
Consumer complaint received 2021-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC (CA)

I already reached out to the credit bureaus and to NEW RES-SHELLPOINT MTG for the account number XXXX and notify them of their error posting for this account. It does not compliment what the Credit bureaus may claim as a " validated as accurate ''., and I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I had also requested the method of verification, actual proof, and physical firsthand documentation of the payment history but I did not receive what I asked for and these violations persist on my credit report. I just had to escalate to CFPB.
Consumer complaint received 2019-06-28
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: PENTAGON FEDERAL CREDIT UNION (NV)

I have tried to find a solution with PenFed in regards to the auto loan as well as the credit card that I have with the Credit Union. Over the last 6 months I have corresponded with several of the penFed representatives by phone and e mail to result in a fair opportunity for resolving the matter of late un unpaid balances. Starting in XXXX I made many attempts to have the auto loan looked at a negotiated to terms in which were financing the remainder of my auto loan {$16000.00} ( the loan balance was {$30000.00} at beginning of financing 3 years ago ( XXXX ). I have paid over half the loan balance. On XX/XX/XXXX I have e mail from XXXX XXXX advising me that XXXX was able to take control of my loan and find a solution. On XX/XX/XXXX XXXX as advised NEVER corresponded with me regarding loan, nor have I been in conversation with XXXX at all. ( I have all e mail correspondences ) I have taken all extremes in resolving this matter with the Credit union to further my relationship with the bank. Requesting to finance the remaining balance of my auto loan to lower my payment which would then also allow me to stay current on the credit card. PenFed has now started reporting negative actively as well as HARD inquiries on my credit report which in turn has caused a negative impact to my credit score as well as late payments to my credit history. My credit score has now declined due to PenFeds activity and non willingness to work with the consumer to settle payments. The only negative activity on my Credit is PenFed and it is causing hardships now in other areas of my life. I would like to resolve this matter sooner than later with this Credit Union as I am in good standing with all other accounts and payment history and also would like to keep my automobile.
Consumer complaint received 2022-05-14
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: EQUIFAX, INC. (DE)

In accordance with the Fair Credit Reporting Act XXXX  XXXX XXXX XXXX # XXXX, and XXXX XXXX XXXXXXXX # XXXX, has violated my rights. 

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

15 USC 1681 Section 604 Section 2 : It also states 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 2021-04-18
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. (MN)

Dear TransUnion : I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : 1. XXXX XXXX on XX/XX/XXXX XXXX. XXXX XXXX on XX/XX/XXXX XXXX. XXXX XXXX on XX/XX/XXXX XXXX. XXXX XXXX on XX/XX/XXXX XXXX. XXXX on XX/XX/XXXX XXXX. XXXX XXXX on XX/XX/XXXX XXXX. XXXX  XXXX on XX/XX/XXXX XXXX. XXXX XXXX on XX/XX/XXXX XXXX. XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX. XXXX XXXX on XX/XX/XXXX XXXX. XXXX XXXX on XX/XX/XXXX XXXX. XXXX on XX/XX/XXXX XXXX. XXXX  XXXX on XX/XX/XXXX XXXX. XXXX XXXX on XX/XX/XXXX XXXX. XXXX on XX/XX/XXXX XXXX. XXXX XXXX on XX/XX/XXXX XXXX. XXXX XXXX on XX/XX/XXXX I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. My contact information is provided below and I have included proof of my social security and current address to avoid any delays in your response time. 
I look forward to receiving an updated copy of my credit report reflecting the above correction. Thanking you in advance.
Consumer complaint received 2022-05-14
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: BANK OF THE WEST (MD)

I sent bank of the west and check from my insurance company it was more than the payoffs was so they have lost the check the supervisor and manager don't even care the check is lost they don't even care they are cheating me out off a lot of money they tell me that there is a fee for the camper getting repossessed than never happen but I got no money back I sent them extra money on the loan of 84, dollars they don't know were that money is I have 11 months on the loan it is payed in full now they tell me I owe them 12-13 payments I should of got a discount on the interest but that didn't happen the check was in the computer as received XX/XX/XXXX I should of gotten a check for over XXXX dollars back the check was made out to XXXX XXXX and bank of the west I have not got nothing back plus my payments are due on the XXXX of every month will a 6 day window they said I was last 29-35 times which is incorrect and they charged me late fee
Consumer complaint received 2021-04-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (CA)

I opened a card with Synchrony Bank a few years back. It was a their XXXX gas card from their car care family. In XXXX it was reported for fraudulent use. I was to be sent a new card but never received one. I have recently learned that a card was sent but it was stolen, activated, and used. I reported this to the credit bureaus and Synchrony Bank. I reported it within the required time. The bureaus removed it from the reports and have verified it as fraud ( via Synchrony Bank ). There are other accounts that have been opened in my name including a XXXX card and others. Synchrony Bank has not removed my name from the financial responsibility of these accounts, despite reporting the fraud to the credit bureaus. I even provided the identity of several people who are possibly involved. Recently one of them was arrested with several of my cancelled credit cards and an XXXX credit report obtained fraudulently. I currently have no accounts that I have opened in my name. Synchrony Bank 's refusal to remove these and any other accounts possibly linked to my name and social security number.
Consumer complaint received 2022-05-14
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: EQUIFAX, INC. (PA)

n accordance with the Fair Credit Reporting Act 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 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account with my written instructions.
Consumer complaint received 2022-05-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Voss & Klein, LLC (FL)

XX/XX/18 various amounts of request payment appear on my credit report with Voss & Klein in the amounts of {$2600.00}, {$5200.00} & {$6100.00}. I have reported to this company this was fraud over three times I have disputed this now this week I received an email with someone else 's driver license and filled out paperwork with an unknown signature that is not mines from Voss & Klein. I replied that the information sent to me is definitely a hippa violation and that it was fraud. Since then I spoke with the XXXX and was told to send in certain information of mine verifying my identity and I placed a freeze on all of Credit reporting bureaus.
Consumer complaint received 2020-02-09
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (CA)

Hello, Since XX/XX/2020 Navient has reported me to as in default 43 times. I've called the company MANY and tried many times to lower my loans to an amount that I can afford but Navient refuses it. 

The matter here is that I've never taken more than 8 loans total for college and yet I've been reported 43 times in less than one month. Please help. 

Thank you
Consumer complaint received 2019-03-09
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. (OH)

I was pulling my credit report up to get preapproved for my mortgage, I noticed several thing that are not right.first up my name is XXXX XXXX XXXX PLEASE DELETE any other name. My SOC SEC # XXXX DOB XX/XX/1984 please remove/delete any other SS numbers from my credit report they are not me, someone else information. My only address is XXXX XXXX XXXX, XXXX, OH XXXX. Please remove the following Fraudulent addresses:XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX I do not know who SSN : XXXX SSN : XXXX SSN : XXXX not mine please delete. I have an account with a false 60 day late payment that was never late : XXXX  XXXX  # XXXX inaccurate please delete. 
I have never done business with XXXX or XXXX XXXX XXXX # XXXX please delete this account it may have belonged to one of the other SS and names on my credit report.
Consumer complaint received 2022-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

I see a number of inquiries on my credit report for XXXX, Experian, and XXXX that I did not authorize in XXXX and XXXX. I keep getting frequent notices that my information was sold on the XXXX market. I need this inquiry to remove from the credit bureau.
Consumer complaint received 2021-11-10
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. (OK)

I had an auto loan through XXXX XXXX XXXX from XXXX to XXXX. In late XXXX I lost my job and was unable to continue making payments, so I voluntarily surrendered the vehicle and was told by the creditor that the remaining amount would be forgiven. I paid off 90 % of the loan over 4 years AND gave the car back when I could no longer pay due to hardship. After the surrender, the account remained on my Transunion credit report as a closed account with a {$0.00} balance. Now all of a sudden, this month it's now showing a remaining balance of {$2800.00} despite still being closed and my credit score has dropped 40 points. I have disputed this with Transunion and I consider it fraud to add a balance to an account that's been closed/settled for 5 years.