davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-20
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 XXXX Account Number:XXXX Account Name : XXXX XXXX  Account Number:XXXX Account Name : XXXX  Account Number:XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number:XXXX  Account Name : XXXX XXXX  Account Number: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 2022-03-29
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: EQUIFAX, INC. (FL)

Equifax Is not helping me at all, I filed 2 complaint with you guys and one response was they couldnt verify me so I sent 2 forms of verification the very next day I got an email from u guys saying they completed their investigation, how is that even possible when they havent received my documents yet I priority mailed it and they will receive it this Friday XX/XX/XXXX, I stated multiple times the items on my credit is incorrect and inaccurate nothing seems to be working out I am an victim of identity thief,, this is hindering me from doing a lot credit wise I did all I can do I NEED HELP PLEASE
Consumer complaint received 2017-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

These addresses are errors. 

XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX, GA XXXX
Consumer complaint received 2017-12-05
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: Experian Information Solutions Inc. (CA)

I noticed a charge from Experian. I have never signed up for anything from Experian, nor have I authorized them to make any charges to my credit card. The charge was for {$21.00} and listed a number of XXXX. The company name listed for the charge was EXPERIAN XXXX CA. I got two charges five days apart in XX/XX/XXXX. I tried to call the toll free # & no answer for 32 mins, just advertising about Experian. I tired to advise my credit card company they tell me I have to contact the merchant. So no actions is being done by both the merchant Experian/XXXX or my credit card company. I have tried other toll free numbers I found on the web that also shows FRAUD ALERT : Experian Charging Peoples Cards Without Authorization. 
XXXX, XXXX, XXXX, XXXX, XXXX same response, no representative answers, all representatives are currently busy your call will be answered, etc.
Consumer complaint received 2016-12-14
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: JPMORGAN CHASE & CO. (NH)

Chase Auto Finance disabled my online access 2 years after my bankruptcy was discharged. My bankruptcy was discharged on XXXX/XXXX/XXXX and I have been paying my auto loan online since the inception of the loan and on XXXX/XXXX/XXXX I went to logon to my account to pay my XXXX/XXXX/XXXX payment and the site would not let me on. It gave me the message " you do not have any accounts to show ''. Finally after to speaking to about 7 people at Chase I was referred to their bankruptcy department and the representative told me because I had filed bankruptcy even though it was over 2 years ago I was not allowed to have online access and with their conversion to new account numbers they just realized I had it and had to remove it. The representative stated that it was the law that I could not have access.
Consumer complaint received 2021-02-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I XXXX XXXX am a victim of identity theft and fraud. XXXX IS VIOLATING MY RIGHTS BY REPORTING FALSE INACCURATE ACCOUNTS ON MY CREDIT FILE. THESE ACCOUNTS WERE OPEN FRAUDULENTLY IN MY NAME. THIS IS MY 3RD ATTEMPT WRITING XXXX ABOUT THIS MATTER. THEY HAVE NOT RESPONDED TO MY DISPUTES OR MADE ANY CHANGES. I AM GOING TO HAVE MY ATTORNEY TAKE THEM TO COURT BECAUSE THIS IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT.
Consumer complaint received 2017-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (FL)

XXXX XXXX Violation of FCRA 623 ( a ) ( 8 ) ( E ) and 16 CFR XXXX XXXX XXXX reported 9 separate accounts with late payments to XXXX, XXXX, and XXXX. I disputed these accounts with the credit bureaus on XX/XX/XXXX and again on XX/XX/XXXX and all disputes came back as 'verified '. I sent a letter to XXXX XXXX on XX/XX/XXXX and another on XX/XX/XXXX, asking for an investigation of said accounts. By law, they had 30 days to respond to me. To this date, I have received no replies from XXXX XXXX, yet the derogatory accounts are still listed on my reports. 

Please see attached letters that I sent to the credit bureaus and to XXXX XXXX.
Consumer complaint received 2017-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: ENOVA INTERNATIONAL, INC. (CA)

Reached out about the incorrect reporting on my credit account, was given a run around by the creditor, then i reached out to the company in charge of the consolidation and they have yet to get back to me
Consumer complaint received 2017-12-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (FL)

I had two missed payments and my account was closed. I live in XXXX Florida where Hurricane Irma caused major damage. I was without work for a while and was unable to pay my credit card. i had no phone, i had no internet and no way of contacting the credit card to let them know of my financial statuts.I made a two payments as soon as i could and my account was closed. I think it is unfair that they would close my account when i had financial troubles.
Consumer complaint received 2018-06-10
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I got an E-mail from " XXXX XXXX XXXX XXXX '' saying I had to do something about my accunt. I fired the Bank of America in 2013 and have NO ACCOUNTS THERE.
Consumer complaint received 2017-11-28
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY (NY)

Attempt was made to contact XXXX XXXX at XXXX on XX/XX/XXXX at XXXX ( no answer after 40 minutes ) and again at XXXX XXXX. Because this involved a question of fraud I hung up on the second call when the respondent began asking for personal information including social security number etc. 

I received a bill for {$4100.00} for various XXXX products purchased on XX/XX/XXXX, XX/XX/XXXXand XX/XX/XXXX which I did not make. The issuer of the card ( and protest this fraudulent account opened in my name and was told that no such account exists in their records. 
I have checked with the credit agencies ( XXXX, XXXX XXXX ) and no inquiries were made in connection with this account opening and I have since locked my credit file to new account inquiries with the credit reporting agencies.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

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.

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 2017-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MO)

I have made contact with XXXX XXXX on XXXX/XXXX/XXXX regarding a FHA Loan on my credit report. They have taken NO action. This mortgage loan was opened in XXXX/XXXX/XXXX address is XXXX XXXX XXXX XXXX, MO XXXX phone numberXXXX reported XXXX the social security number on the account is one number off of my social security number. 
The account number is XXXX date of last payment is XXXX I need this and all the alias names that are from this account removed ASAP as I I trying to get pre approved for a home mortgage. 
XXXX is reporting it on my credit. 

XXXX XXXX phone number is XXXX Please notify me ASAP as this is causeing me to not buy a home
Consumer complaint received 2024-02-20
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I've consistently upheld timely payments on this account without any instances of lateness. It's perplexing to encounter reports of late payment remarks associated with my accounts.
Consumer complaint received 2017-11-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (TX)

My name is XXXX XXXX. File # XXXX. I received a letter in the mail dated XXXX XXXX, 2017 regarding a balance owed XXXX XXXX XXXX in the amount of {$600.00}. I previously spoke to XXXX on XXXX XXXX, 2017 and advised that I had secured insurance coverage with another carrier prior to XXXX XXXX cancelling my policy. XXXX then advised me to send proof that I had insurance with another carrier. On XX/XX/XXXX, I emailed a copy of my declarations page to : XXXX. They continue to send me bills about paying this debt. I had insurance coverage for the period they are advising I owe. I advised the debt collector that it is illegal to insure one vehicle and property with multiple insurance carriers, but to no avail.
Consumer complaint received 2021-02-09
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (VA)

Re : NAVIENT To Whom It May Concern - NAVIENT customer service agents have provided confusing information along with exhibiting unprofessional behavior. 
The firm 's agents berate me when I ask for information about my three loans. When I ask or suggest I qualify for the Biden White House 's student loan forgiveness, the customer service agents berate me. 
Since XX/XX/2021, I've been unable to resolve my questions. I only am able to reach automated voice and email messages. 
I believe I qualify for loan forgiveness, and I do believe NAVIENT is ripping me off. Their refusal to address my concerns is suspect.
Consumer complaint received 2017-11-23
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (NY)

Bought my 2nd home since XX/XX/XXXX with two lines of loan, and was promised I can modify within few years. Paid my mortgage monthly for almost 5-6yrs. In XX/XX/XXXX I decided to modify the loan, but has been very very difficult to get any successful answer. The servicing company totally refused to assist. I have been filing papers upon papers. 

Okey, I decided to try short sale since they bank/servicing company totally refused modifying and reducing of the interest rate. Tried short selling through an agent in Delaware who helped in finding a buyer, submitted all necessary documents and did a down payment. They denied not receiving necessary documents and decided requesting documents and documents. The frustrating part of it was I never a time i had a steady contact. Finally they refused accepting the documents and refused to accept the offer. Before I know it the loan was sold or transfer to another servicing/financial company with another financial company. The annoying part is that severally calls will be coming from Utah, and when I do answer, no one on the other end. This is very very frustrating. About a I called the company someone did answer and told me my document is still incomplete. In reply, I made him to understand that I am no longer interested, I need my house back and will want to resume paying my mortgage.
Consumer complaint received 2017-10-13
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)

XXXX XXXX XXXX XXXX ( XXXX XXXX is a collection agency contacting me about a previous debt {$470.00} with XXXX XXXX XXXX. I mailed a certified letter to XXXX on XXXX/XXXX/XXXX requesting debt validation ( see attached ). On XXXX/XXXX/XXXX, XXXX responded but failed to validate debt. On XXXX/XXXX/XXXX, I mailed a letter to all three bureaus advising that XXXX is reporting a debt that has not been validate. According to the Federal Credit Reporting Act, it is unlawful to report unvalidated debt on my credit report. I also mailed a letter to XXXX advising them that the bureaus have been notified of their failure to validate the debt. In XXXX XXXX, the debt was removed and re-inserted. Please assist in collection removal from my credit report. XXXX has not validated debt by only providing a debt summary instead of providing proof of actual document that created the debt. XXXX, Experian and XXXX are illegally reporting an unvalidated debt. Also neither bureau has advised me of the collection re-insertion, also violating the law. Please assist, the illegal reporting of the debt on my credit report is a defamation of character and against the law. Please assist.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2021-07-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EMCC Holdings, LLC (MI)

I have never given anyone my permission to open an account with this company. This account is unauthorized and therefore fraudulent. I don't even know who Equiant is. I have never opened an account with them and it was opened without my consent. The account also can not be verified. I have requested verification more than once and received nothing. I have been defrauded and taken advantage of. This account needs to be closed immediately and removed from my name.
Consumer complaint received 2021-02-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (MA)

I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2018-02-11
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collection Information Bureau, Inc. (FL)

This company violated FCCPA n FDCPA by listing a medical debt on my XXXX  credit bureau without sending myself the legally mandated notice of assignment giving myself the 30 day right of dispute period. 
My address has been updated with all credit bureaus for over a year. Also, i have had medical insurance since XX/XX/2017.
Consumer complaint received 2018-06-10
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (NV)

Mohela, stated that my direct loans had been transferred to them they are unable to produce a master promissory note and continue to up the balance. First it was XXXX in XX/XX/XXXX then XXXX in XX/XX/XXXX now XXXX.