davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-18
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. (FL)

On XX/XX/2017, I made a complaint that the credit agency continues to allow an creditor to incorrectly and inaccurately report late payments on my credit report. The credit agency sent me a copy of my credit report which verified the correction however after purchasing a new vehicle I was offered a higher interest rate due to late reporting with this same creditor and credit agency. I contacted the creditor which advised they sent corrections over and no recent late credit payments. 

As I stated back in XX/XX/2017. My payments are due on the XXXX of every month. Based on the Fair Reporting a creditor can not report a 30 day late for not paying a late fee. 

It has been discovered that the credit agencies are allowing incorrect and inaccurate credit reporting by XXXX XXXX. My credit reported shows numerous 30 day late 's. This is the same issue back in XX/XX/17 which at that time showing XXXX days late on my credit report in XX/XX/2017. 

They previously advised they report the XXXX of every month and if the payments are not paid in full then its reported late to the credit bureau. I advised this is against the Fair Reporting Act.XXXX XXXX. XXXX. And they are violating XXXX section XXXX and XXXX. I continuously explain my payments are due on the XXXX of every month and they can not change my contract. I advised purchasing the loan doesn't change any terms. I asked for the contract showing my signature that changed the terms of my loan. 

The credit agency makes it very difficult to dispute online or by phone. I have asked for a updated credit report several times and never receive one or they advised I have to pay for me. I do not believe I should have to pay for a credit report to verify the inaccuracies reporting.
Consumer complaint received 2019-07-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I do not recognize the following inquiry XXXX XXXX Inquiry from XX/XX/2017. Please investigate to ensure there is no fraudulent activity.
Consumer complaint received 2019-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

XXXX claims they havent reported me late its the credit bureau who made the mistake. Ive been in forbearance. How can I be late. I need this updated. I have many lates from this company. XXXX its like 10 and i never was late I attached a copy of my report and a letter from XXXX. Im going for a mortgage this isnt fair. Please help and update all these lates and remove them. ALL XXXX ACCOUNTS ARE INCORRECT. 
B DEPT OF ED/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$1100.00} EDU {$1100.00} 120 {$0.00} {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/EF Late Dates : XX/XX/XXXX-120, XX/XX/XXXX-90 PAYMENT DEFERRED ; COLLATERAL : DEFERRED TO XXXX B B XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$1700.00} EDU {$1000.00} XXXX {$0.00} {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/EF Late Dates : XX/XX/XXXX-90, XX/XX/XXXX-120, XX/XX/XXXX-90 PAYMENT DEFERRED ; COLLATERAL : DEFERRED TO XXXX B B DEPT OF ED/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$1100.00} EDU {$1100.00} 120 {$0.00} {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/EF Late Dates : XX/XX/XXXX-120, XX/XX/XXXX-90 PAYMENT DEFERRED ; COLLATERAL : DEFERRED TO XXXX B B XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$1700.00} EDU {$1000.00} XXXX {$0.00} {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/EF Late Dates : XX/XX/XXXX-90, XX/XX/XXXX-120, XX/XX/XXXX-90 PAYMENT DEFERRED ; COLLATERAL : DEFERRED T
Consumer complaint received 2019-07-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.Q. DATA INTERNATIONAL, INC. (NV)

There's a company by the name of IQ Data International that has a collection on my credit reports, XXXX, XXXX, and XXXX with a false debt. This debt was sold to them by XXXX XXXX XXXX   in the amount of {$4900.00}. I have never lived at those apartments and I have already disputed this information with IQ Data International ; they have not validated this account or responded to my request. I have also disputed this information with the credit bureaus. I have had not had any official documentation due to some of my identification documents being destroyed in a fire. I would like to see what ID they have on file, an official ID and signed leases / documentation. I have never even heard of these apartments until it came up on my credit report and no one has provided accurate information because there isn't any to prove other wise. The laws of the FCRA states that all data reported must be accurate and validated. Please help me with getting this removed as they are violating those laws.
Consumer complaint received 2019-07-20
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. (NY)

XXXX claims they havent reported me late its the credit bureau who made the mistake. Ive been in forbearance. How can I be late. I need this updated. I have many lates from this company. XXXX its like 10 and i never was late I attached a copy of my report and a letter from XXXX. Im going for a mortgage this isnt fair. Please help and update all these lates and remove them. ALL XXXX  ACCOUNTS ARE INCORRECT. 
B DEPT OF ED/XXXX  XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$1100.00} XXXX {$1100.00} 120 {$0.00} {$0.00} 68 0 0 2 I1 XXXX/TU/XXXX Late Dates : XXXX, XXXX PAYMENT DEFERRED ; COLLATERAL : DEFERRED TO XXXX B B XXXX  XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$1700.00} XXXX {$1000.00} 066 {$0.00} {$0.00} 46 0 0 3 I1 XXXX/TU/XXXX  Late Dates : XXXX, XXXX, XXXX PAYMENT DEFERRED ; COLLATERAL : DEFERRED TO XXXX B B DEPT OF ED/XXXX  XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$1100.00} XXXX {$1100.00} 120 {$0.00} {$0.00} 68 0 0 2 I1 XXXX/TU/XXXX Late Dates : XXXX, XXXX PAYMENT DEFERRED ; COLLATERAL : DEFERRED TO XXXX B B XXXX  XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$1700.00} XXXX {$1000.00} 066 {$0.00} {$0.00} 46 0 0 3 I1 XXXX/TU/XXXX  Late Dates : XXXX, XXXX, XXXX PAYMENT DEFERRED ; COLLATERAL : DEFERRED T
Consumer complaint received 2023-01-12
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. (IN)

I discovered an account for " XXXX '' that is a personal loan of some type. I have no knowledge of this account. According to XXXX, the account was opened in XX/XX/XXXX for {$11000.00}. It was charged off in XX/XX/XXXX and " closed '' in XX/XX/XXXX. The report does indicate that the first payment was never received. My data was subject to the breach of the Office of Personnel Management as a federal employee and my file was affected by the XXXX XXXX believe that this account is fraud because I have no knowledge of it. I don't know how to prove a negative. I don't have paperwork on this loan. I just don't know anything about it. Even though it has been " charged off '', the balance increases monthly. It is now up to {$19000.00}. I have disputed this as fraud with all three credit bureaus multiple times to no avail. I have disputed it with the merchant and received no response.
Consumer complaint received 2019-07-20
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. (NC)

Equifax announced theyre cyber security incident one of the largest in history unauthorized data breach occurred from mid XXXX- XX/XX/XXXX, my data has been breached as well and someone could have stolen it during this time. The incident was discovered by equifax XXXX XXXX.
Consumer complaint received 2017-07-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (MN)

On XXXX XXXX I paid XXXX the remaining {$200.00} on my account and on XXXX XXXX I.C. systems inc. a debt collection agency reported it on my credit report as an open collections account owing {$200.00} to XXXX. The debt was invalid to begin with but I paid it anyways due to the threat of reporting it on my credit report. XXXX was never willing to provide proof that I owed the debt yet still strong armed me into paying it anyways.
Consumer complaint received 2022-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2021-07-22
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: EQUIFAX, INC. (IL)

Since XX/XX/2021 I've been trying to get investigations done on several accounts and sending validation letters and have not received any response back. Also the bureaus are not conducting their investigation into the problems which shows me as the consumer they have no regard for the FCRA guidelines and the Collection agencies have no regard for the FDCPA. This will be my final attempt for the bureaus as well as the collection agencies to send proof of the requested information attached below and verify these accounts on their accuracy. I am keeping really good record of all this. I will file a report with the FTC as well if this does not come to a resolution. It is baffling how I'm sending this information to the bureaus, creditors and collection agencies and NO ONE RESPONSES. You are at this point violating my consumer rights and have PAST YOUR INVESTIGATION TIME FRAME BY 90 DAYS I DEMAND DELETION AT THIS POINT. XXXX  Please DO NOT respond with your stall tactic saying authorization is required or I will file FTC COMPLAINT FOR NON-COMPLIANCE. Please consider this my written authorization with my proof of my identity attached. 

Thank You
Consumer complaint received 2023-04-01
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. (FL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-10-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/XXXX I visited local Bank of America branch and the manager on site assisted me with depositing a foreign check for {$2000.00}. He assured me it would only be a {$40.00} fee and on XX/XX/XXXX I received a letter from Bank of America XXXX XXXX XXXX department stating check was returned. It listed {$40.00} processing fee but also a {$190.00} foreign/drawee bank fee. So {$230.00} was withdrawn from my checking. I was never informed of the potential for more fees beyond {$40.00} and had I been aware would have never attempted to cash this check. Also since check was returned and not processed I feel these fees should be refunded. The local branch and customer service are unaware of how to reach foreign cleans collection. Customer service is unable to refund fees as system does not allow them but have no idea who I can speak with regarding these fees. This is incompetent business practice. I have been an account holder since XXXX with substantial funds in accounts and request fees be refunded or at least the {$190.00} fee I was misinformed about. No attempt for resolution was made.
Consumer complaint received 2019-07-20
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: Innovative Funding Services, L.L.C. (WI)

XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX XXXX   Inquiry from XX/XX/XXXX + Credit Unions XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Credit Unions XXXX XXXX Innovative Funding S Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Credit Unions Innovative Funding S Inquiry from XX/XX/XXXX + Auto Financing Innovative Funding S Inquiry from XX/XX/XXXX + Im contacting you because I do not recognize any of the inquires .. 
I did not apply for anything on these dates
Consumer complaint received 2019-07-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (MO)

My provider is Navient. They have been ridiculous to deal with over the years. I despise having them service my loans. Their website is unfair and deceptive and I believe purposely set up to make it difficult to figure out how to apply for a payment repayment program, forbearance, or deferment. I have been struggling to make my payments, but am single so my income artificially inflates my ability to make payments. I finally figured out how to contact Navient in XX/XX/XXXX of this year and was told the round about and difficult way to submit a forbearance request. They approved my request through XX/XX/XXXX. It is now XX/XX/XXXX and they are reporting me past due to the credit bureaus. When I log into my account, they show I have a payment due in XX/XX/XXXX. Not only do I have no payments due because of the forbearance, they never sent me a statement via mail or email to advise me of an upcoming payment in XX/XX/XXXX. Had I received such a statement, i would have contacted them immediately regarding their mistake. Now my credit has suffered a hit. They are in violation of Regulation Z for not providing a statement, FCRA for inaccurately reporting on my credit, and UDAAP for their terrible website as well as causing harm by incorrectly reporting my credit and not providing me the ability to prevent that harm due to their FCRA violations. This servicer of loans is absolutely terrible and I can not stand doing business with them. I hope that the CFPB will take a look into their unfair practices, but, as of right now, I want my credit fixed ASAP.
Consumer complaint received 2018-12-18
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: EQUIFAX, INC. (FL)

The week of XXXX XXXX XXXX, I went into the XXXX XXXX XXXX XXXX dealership to meet with a salesman about a used XXXX truck. I immediately imformed him upon seeing the truck that I would not be able to afford the truck. I told him that I was already working with a lender and where my payments and price needed to be. He said that he felt that he could get the payments down to where I needed them to be. I specifically told him NOT to run my credit. He returned and imformed me that someone in their financial department had ran my credit anyway, and now I have 3 hard unauthorized hits against my credit due to they're neglagence. Further more, the lender at the local branch of XXXX XXXX XXXX XXXX with whom I had been verbally given an approval of up to XXXX dollars, can now only aprove me for XXXX dollars because when the dealership ran my credit, they apparently ran it through the corporate level of the branch I was dealing with and denied it, now limiting what my loan officer can do and damaging my buying power. I have four total hits against my credit and there should only be one for the above mentioned date.
Consumer complaint received 2019-07-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Westlake Services, LLC (FL)

I try to contact this company multiple time due to a fraud account that was open under my name and ask to me remove of my credit report and still to this day no action have been made at this time Im willing and ready to take what ever action thats next to have them remove this fraudulent account of my report!
Consumer complaint received 2019-07-20
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (AR)

Synchrony Bank ( Belk Credit Card ) Decreased my limit in XX/XX/20181100 to 800. Then XX/XX/2018from {$800.00} to {$240.00}. I was making on time payments every month. This lowered my FICO score tremendously. When I applied for the credit card initially I didn't have any credit at all and was approved immediately for {$1100.00}. I have contact them and spoken with Synchrony over the phone. The issue wasn't solved. I have a credit limit with them now for {$240.00}. I applied for a credit increase however I was denied. I wanted the balance increased so my FICO can go back up.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than XXXX  days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2017-07-23
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

I have private loans with Navient. One of my loans has a co-signer, the total balance is {$37000.00}. On XX/XX/XXXX I applied to release my cosigner as I have made 12 consecutive on time payments based on principal and interest ( which is stated on the website in order to apply for release ). Originally they denied the request as my account history shows 3 late fees, which was a mistake on the billing department since I have been on autopay for over a year. On XX/XX/XXXX I was charged the first late fee of {$8.00}, the second late fee was charged on XX/XX/XXXX for {$3.00}. These two late fees were reversed on XX/XX/XXXX and {$12.00} was credited to my account. My account was never late but for some reason there system shows my account associated with late fees. I had several phone conversations with the cosigner release department to explain this and there was nothing they could do to my account and kept shuffling me around to other departments. The second refusal to deny my cosigner release, was due to the fact that they reduced my interest rate to 1 %. When I had called back in XX/XX/XXXX, I had several phone conversations that were recorded by Navient, explaining the rate reduction program and that after making 12 consecutive payments I could have my cosigner released. I spoke with XXXX, the supervisor, in the cosigner release department and showed her my account history which shows I have been making 12 consecutive on time, principal and interest payments. I was never explained to on the phone by reducing my rate that this would effect the cosigner release. XXXX then said she would research and listen to the recorded calls. It took her a few weeks in XXXX and when she got back to me said they could not find the calls. She asked me to email her and she would push it through. on XX/XX/XXXX, I sent an email stating what had happened. I then received a letter in XXXX for the denial, based on not making 12 consecutive on time principal and interest payments on the original interest and a forbearance on another account I have. Neither was explained to us at the time on the recorded calls, which they say they can not find, although they have record of our calls. I have spoken to Navient several times since and they still say they are researching and continue to shuffle my case through the system with no resolution regarding the late fees noted on the account and release of my cosigner.
Consumer complaint received 2022-10-06
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: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX /Account Number : XXXX Account Name : XXXX XXXX / Account Number : XXXX Account Name : XXXX XXXX XXXX / Account Number : XXXX Account Name : XXXX XXXX / Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX : XXXX Account Name : XXXX XXXX XXXX / Account Number : XXXX Public Record : XXXX XXXX Bankruptcy / Refence Number : XXXX The accounts and public record listed above 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.