davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXXXXXX Balance : {$3100.00} ; XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$610.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX ( Original Creditor:XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$490.00} ; XXXX XXXX XXXX Balance : {$93.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-27
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)

In accordance with the Fair Credit Reporting Act, the listed accounts have violated my federally protected Consumer rights to privacy and confidentiality under 15 USC 1681. 


These accounts are not mine nor did I authorize them. I have reach out via certified mail over 30 days ago to the three-credit reporting agency ; TransUnion, XXXX, XXXX to investigate these inaccuracies but they still remain without the proper investigation or validation of these debts. 

These accounts have violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. states I have the right to privacy. 

15 U.S.C 1681 Section 604 A, states that a consumer reporting agency can not furnish an account without my written consent or 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 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. 

I have attached documents showing this horrible mistakes on my credit report.
Consumer complaint received 2020-06-07
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. (HI)

I have made two separate complaints to XXXX  and Equifax about information being reported twice from the XXXX XXXX  since early XXXX closing date. It shows that I HAVE TWO MORTGAGES with XXXX, which absolutely incorrect. Im receiving phone calls and correspondence about one mortgage loan being past due and contacted XXXX XXXX  and nothing has been resolved? The reported balances is {$280000.00} and the other {$270000.00}, which makes it appear on my credit report as over extended credit. Please let me know how to correct this error on my credit reports.
Consumer complaint received 2020-06-07
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- AUTO ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2013 with a balance of {$0.00} -This is not my account.
Consumer complaint received 2019-04-27
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: Experian Information Solutions Inc. (MS)

I sent a dispute on XX/XX/XXXX and I never receive the results within 30days. I sent several letter to Experian in the last month. All I keep getting is if I want to dispute indicate a specific item. I did that on XX/XX/XXXX.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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.
Consumer complaint received 2019-04-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (KY)

Student loan interest is deductible per the tax code. This includes capitalized interest, or interest that wasn't paid on time and that eventually was added to the principle amount of the loan. For several years, I couldn't afford to pay on my loans and apx. {$10000.00} of interest was capitalized. This increased my principal balance from {$25000.00} to {$35000.00}. I ultimately repaid my loans over the course of two years, but I never received notice on the amount of capitalized interest I paid off and, thus, I was never able to deduct it from my taxes. I did receive notice regarding the amount of uncapitalized interest I paid over the two years ; however, as I've previously stated, the capitalized interest is deductible also. I've been trying to find out the total amount of capitalized interest that I paid over the life of the loan so that I can file an amended return and take the deduction. I contacted the Department of Education, and they instructed me that this was an issue for my student loan servicer ( Navient ) I contacted Navient and they said they didn't have information on how much interest was capitalized because they had only been my servicer for three years and, as such, they didn't have information dating back to the time the interest was initially capitalized. I called the DOE back and filed a complaint with the Office of the Ombudsman there regarding the situation. They never got back with me. Despite continued calls to both Navient and the DOE, I can't get my issue resolved. The tax law is clear that the capitalized interest can be deducted and I want my deduction. But in order to take it, I need one of these parties to produce a formal record of the amount of capitalized interest that I accrued and ultimately paid back over the life of my loans.
Consumer complaint received 2019-04-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

Account : XXXX Balance : XXXX USPS Certified Tracking # : XXXX Mail Date : XX/XX/2019 I've requested that Portfolio Recovery Associates, LLC validate the debts they claim I owe which includes proof that I am indeed the party they're are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. I specifically requested for validation made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA which included the following : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful.
Consumer complaint received 2019-04-27
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. (MO)

I'm disputing these 3 accounts inwhich is not mines but has appeared on my credit report. I'm asking that the 3 major credit bureaus remove these accounts from my credit report. The accounts are # 1 XXXX {$250.00}, # 2 XXXX XXXX XXXX {$290.00}, and # 3 XXXXXXXX XXXX. Please remove these unauthorized unknown accounts.
Consumer complaint received 2019-04-27
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. (OH)

I've contacted Experian for a couple months or more regarding the accounts on my credit report. They're inaccurate. Nothing that I have knowledge of and obligation to. I havent received any information and the accounts are still re-reporting as negative.
Consumer complaint received 2019-04-27
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. (MO)

I'm disputing these 3 accounts inwhich is not mines but has appeared on my credit report. I'm asking that the 3 major credit bureaus remove these accounts from my credit report. The accounts are # 1 XXXX {$250.00}, # 2 XXXX XXXX XXXX {$290.00}, and # 3 XXXX XXXX. Please remove these unauthorized unknown accounts.
Consumer complaint received 2023-07-19
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Byrider Franchising, LLC (MO)

So when we purchased the car back in XXXX it already had issues like the car kept overheating. We took it to them because we had just got the car they supposedly fixed it but it has continued to overheat. But Last year me and my co buyer split ways and I was left with the payments I let them know that I was now responsible for the car and to see about changing the payment dates to work with when I get my XXXX check. I cant work due to XXXX XXXX  XXXX they said it was nothing they can do because I had already signed a contract. So the car then got repossessed. I eventually got it back I paid almost XXXX bucks to get it back. And ever since then I have still been paying it but I am a few days late because of having to work odd jobs. I only get paid once a month and they call and be harassing me saying they are going to come get the car I have paid every payment it might be a few days late because like I said I only get paid once a month but it gets paid. Now the car is having Cylinder 3 misfire and engine issues. I believe deeply in my heart they sold me a lemon even when we first got it they tried to charge us for things that shouldve been done before yall sold someone a car. I have children and this is my only means of transportation to get them back and forth to daycare so I can deal with my health and try to make extra money on the side. My payment is due every two weeks and so say my payment is Friday by Sunday they are threatening and harassing to come repossess my car. I have been having issues with this car lot since we got the car and I know others as well.
Consumer complaint received 2019-04-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (NC)

I am a valid member of Navy Federal Credit Union, they have locked my account due to a fraudulent check which I e deposited. I have sent a Fraud Appeals 6 page letter about the fraudulent check ; however, Navy Federal Credit Union will not release my account so I can pay my Bill 's. I will gladly provide you with a copy of my NFCU fraud response. My telephone number is XXXX. My email address is XXXX. I look forward to either hearing or reading your response. Sincerely yours, XXXX XXXX XXXX.
Consumer complaint received 2019-04-27
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. (MO)

In past times my identity has been compromised and that lead to unauthorized accounts on my credit report. Also I'm a junior ( jr ) and sometimes that crosses accounts that usually not mines. The two ( 2 ) accounts inwhich I'm disputing are, ( 1 ) XXXX XXXX {$3200.00}, and ( 2 ) XXXX XXXX {$1700.00}. These accounts are not mines and I'm demanding that the three ( 3 ) major reporting agencies block them immediately, or provide me with certified physical documentation that validates their reporting. Please block accounts from my data file.
Consumer complaint received 2019-04-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Debt Recovery Solutions, LLC (CA)

Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX  : Debt Recovery Solutions Amount {$310.00} Claiming That I Owe XX/XX/2019 Date Reporting On My Credit Profile Requesting *** VOD *** Validation Of Debt
Consumer complaint received 2019-04-27
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)

My credit information from XXXX XXXX regarding my account is incorrectly reported. My account is being managed with a Credit Counseling program Consolidated Credit and the agreement with XXXX was for the entire full balance owed. The acceptance letter agreement from them to me states that they would not negatively report my account and they would not charge off my account ( I am uploaded this letter ) The did  charge off my account and negatively reported I am submitting a copy of this and the payment record was not accurately reported all payments were made as agreed and {$6900.00} was paid to them to date. 
Proof of these payments are uploaded with this complaint as well as the final statement from XXXX XXXX showing the balance.
Consumer complaint received 2019-04-27
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: EQUIFAX, INC. (OH)

Equifax is the only bureau reporting these erroneous accounts. Per the Fair Credit Reporting Act, these accounts should be verified, which they were never verified as mine. I have no knowledge of these accounts. I contacted XXXX regarding Medical accounts as well and received no information. My next step is to pursue litigation.
Consumer complaint received 2019-04-27
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. (AL)

A representative at XXXX told me the bankruptcy on my credit report had been removed. I called back again and another representative told me the bankruptcy has not been removed nor was it ever disputed. I have asked for additional information regarding their dispute process and have received nothing. XXXX is required by law to verify the accuracy in my record with the courts. The representative at the courts has confirmed I do not have a bankruptcy. The representative at the court also confirmed no one from XXXX has contacted them for verification. XXXX is not properly researching negative items on my report. If the negative items are not removed from my report, I plan to pursue this matter to the fullest extent of the law.
Consumer complaint received 2023-07-27
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. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2022-03-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (NC)

XX/XX/2022 Citi Bank Failed to activate my new card that will be used to book travel for family vacation. 

Customer service call center was not helpful at all and not willing to provide assistance to solve the problem.
Consumer complaint received 2019-04-27
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. (OH)

Ive been victim of theft. I contacted credit bureau ( s ) and filed report. Some accounts are still reporting and shouldnt be as ive been victim of theft and have no ownership to accounts. Im not aware of these accounts and shouldbe removed. These accounts were never investigated correctly and Per Fair Credit Reporting Act, FTC Section 605.
Consumer complaint received 2022-03-10
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. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2019-04-27
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)

I am very concerned about the validity and accuracy of the recent investigation done by Experian. 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. Experian 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 ( Original Creditor : 11 XXXX ) XXXX
Consumer complaint received 2019-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (PA)

Wells Fargo Branch closed a joint account and never notified myself the primary account holder. The account closed was used to make a recurring payment on a line of credit for years causing the payment to reach a 30 day late which should be removed as there were never any prior late payments on account. Tried to resolve this at branch level and multiple XXXX number calls and received no replys from branch or internal consumer department for these matters