davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX XXXX {$220.00} XXXX  XXXX XXXX XXXX {$100.00} US DEPT EDXXXX {$3300.00}
Consumer complaint received 2021-08-19
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION (MI)

During the pandemic I have not been able to repay my Sallie Mae student loan. Rather than automatically pausing loan payments as the federal government has done, they make borrowers use the very limited forbearance the offer for the entire life of the loan. They do not offer any special help during the pandemic other than using this forbearance, which again is limited for the entire life of the loan. Additionally after 3 uses of the forbearance they will not let you use any remaining period for 6 months after, meaning in XXXX I have to start paying or they'll start coming after me. Further they charge interests which are predatory and amount to usury.
Consumer complaint received 2019-05-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CA)

I had already made my payment for this month and had a {$0.00} balance due. I got an email today from Navient, XX/XX/19, that " the payment term for your loans has changed ''. It then says next payment amount : {$50.00}, and next payment due date : XX/XX/19. So they changed the terms of my loan to instantly cause a past due payment. I go into my loan and sure enough, it has in big red letters that it is " PAST DUE ''. I had made a payment on XX/XX/19 for {$400.00} toward this loan and had no balance due this month, then suddenly they created a retroactive past due balance. I'll be so angry if this hurts my credit score.  How can this be legal? I immediately submitted payment even though this shouldn't have happened and just needed to report this insane behavior.
Consumer complaint received 2024-02-23
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. (TX)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX
Consumer complaint received 2021-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) I have complete and thorough records of your violations and I am prepared to protect myself and my rights from unscrupulous collection agencies. 


I would like this account to be legally deleted from my credit report as i have taking the step from credit litigation against you guys.
Consumer complaint received 2020-05-18
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (VA)

I filed a dispute with the credit reporting agencies in regards to an inaccurate account reporting on my credit. I never received any notifications in regards to the investigation results & it has now been over 30 days. I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. 

Initial dispute sent XX/XX/2020 30 Day demand to comply sent XX/XX/2020
Consumer complaint received 2020-12-09
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. (GA)

I recently disputed my Bankruptcy with XXXX with all of the documents supported and I sent in the Court Documents stating that the courts do not report to the credit bureaus ( see attachment ) so they are illegally reporting and I received a response from XXXX stating that they can't locate the disputed item ( Bankruptcy ) in their database in which I sent a copy of my report from XXXX which has the bankruptcy in the report ( See attached ) along with a letter to dispute with the references numbers along with my social along with telling them its a Bankruptcy. so this item needs to be deleted immediately from all three credit bureaus along with XXXX for having inaccurate information on my Credit Report and sending an inaccurate statement in writing. 

I have all supporting documents to prove this case and their response as well.
Consumer complaint received 2020-05-18
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I have never received any notifications in regards to the investigation results and it has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. 

Initial dispute sent XX/XX/2020 30 Day demand to comply sent XX/XX/2020
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

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 XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2020-05-18
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I have never received any notifications in regards to the investigation results and it has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. 

Initial dispute sent XX/XX/2020 30 Day demand to comply sent XX/XX/2020
Consumer complaint received 2023-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the fair credit Reporting act XXXX XXXX XXXX # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 purpose.
Consumer complaint received 2021-05-24
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. (CA)

I contacted Transunion recently to dispute unauthorized inquiries on my credit file. The following inquiries were for mortgage solicitation according to Transunion but they couldn't produce proof of my permission for the following creditors to access my credit file. I also stated that these inquiries were excessive from the same company in a short period of time! Also the remaining mortgage companies would not be contacted if the credo report was used since it includes all three reporting Bureaus. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX The following inquiries is unauthorized and not tied to an open accounts are closed accounts on my credit file. 

XXXX XXXXXXXX. XX/XX/XXXX The following accounts dates of inquiry are incorrect and has been changed. The XXXX XXXX was tied to an account when I moved into my current apartment in XX/XX/XXXX. 

XXXX XXXX XX/XX/XXXX These are included with the class act lawsuit currently with Transunion!
Consumer complaint received 2020-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX  XXXX {$220.00} XXXX  XXXX XXXX XXXX {$100.00} US DEPT EDXXXX {$3300.00}
Consumer complaint received 2020-05-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX XXXX {$660.00} XXXX XXXX XXXX XXXX {$330.00}
Consumer complaint received 2020-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

this world today is really loosing it, it crazy how people live their life like this hurting other by using personal information to open up credit cards, i would really like to know who is doing these things so i could press chargers, i would like these chargers off of my name because it is affecting my credit!
Consumer complaint received 2020-10-29
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. (NJ)

this world today is really loosing it, it crazy how people live their life like this hurting other by using personal information to open up credit cards, i would really like to know who is doing these things so i could press chargers, i would like these chargers off of my name because it is affecting my credit!
Consumer complaint received 2018-10-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: WELLS FARGO & COMPANY (NJ)

On XX/XX/XXXX I received an email from Wells Fargo indicating that my contact information had been updated on my account. I contacted Wells Fargo and informed them that I had not made the update. Wells Fargo closed my account and proceeded to mail new credit cards to me. I logged into my online account, I created a new username and a new 32 character password. I then changed the erroneous information back to the correct information. 

On XX/XX/XXXX I receive another email from Wells Fargo indicating that my contact information had been updated. Again, I contacted Wells Fargo about this unauthorized change. The customer service department transferred me to the online department, the online department transferred me to the fraud department, the fraud department transferred me to the phone bank department, the phone bank department transferred me to an escalation department which turned out to be a customer service rep for checking and savings and could not do anything for me except transfer me back to customer service for credit cards. The phone call on XX/XX/XXXX lasted 51 minutes as I had to explain the whole issue to each new person I was transferred to. 

I would like Wells Fargo to explain to me who/why is my account being updated without authorization. Is it truly a hack of my 15 character username/32 character password just 48 hours after they were created where the only change made to my account is a phone number? Or is it a change being made by a Wells Fargo employee/system, and why is it being made?
Consumer complaint received 2020-10-30
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: PRESTIGE FINANCIAL SERVICES INC (TX)

Hello, My name is XXXX XXXX XXXX and I am reaching out to complain on XXXX  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 ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.
Consumer complaint received 2020-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: National Credit Adjusters, LLC (TX)

National Credit Adjusters informed me when I settle my accounts that it would be deleted from my credit reports. It was deleted from two of the bureaus report but not from the XXXX  report. I have disputed it, one of the accounts dropped off for a month and then it reappeared back on my XXXX  report. The other account with them never came off. This is not what I agreed upon.
Consumer complaint received 2020-11-16
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 have submitted to Experian an FTC report dated XX/XX/2020 along with ID, utility bill, and letter from the creditor ( s ) confirming liability on fraudulent account ( s ) has been withdrawn. 

Experian representatives state that due to " internal policy '', they will not re-dispute or block fraudulent information that was previously verified. This Experian policy is a violation of FCRA since the creditors have confirmed removal of the account ( s )
Consumer complaint received 2020-10-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

From XX/XX/2020 through XX/XX/2020 Bank of America has continously allowed a vendor, XXXX XXXX, to make back to back ACH charges weekly on my account without authorization. Then BofA began charging not only overdraft fees but additional fees while clearly seeing this vendors continuous back to back withdrawals. Even after filing a claim for return of fees ( claim # XXXX XXXX and asking for a stop payment, two more transactions occurred and additional fees. While I have on occasion been able to overdraft my account via a cash withdrawal, immediately following my account was suspended from doing so but BofA could offer no explanation to the change which was reasonably adverse and retaliatory to my filing complaint about their handling of my account. Still no resolve, no return of fees and vendor still charging.
Consumer complaint received 2020-10-29
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Revenue Corporation (LA)

On XX/XX/2020, I mailed a letter Certified Mail to United Revenue requesting more information about an implied debt. I have yet to recieve any response from United Revenue regarding the information that I requested, nor have I recieved my return signature reciept back in the mail. I understand that it is not pass the 30 day time frame, but shortly after I sent the letter I have been getting updates to my credit report on a weekly basis by United Revenue, which was only updated once a month prior to my request. I believe that United Revenue is making a malicious attempt in retaliation to my request to lower my credit score, and damage my credit profile by repeatedly reporting the same information on a weekly basis with no apparent updates. I believe United Revenue intentionally did not the sign the return reciept and has catergorized my request as frivilous.
Consumer complaint received 2020-11-16
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. (TN)

EXPERIAN IS COMMITTING FRAUD AND NOT FOLLOWING THE LAW. I MAILED SIX REGULAR MAIL LETTERS AND THREE CERTIFIED LETTERS ABOUT THE BELOW LISTED FALSE ACCOUNTS AND THEY HAVE REFUSED TO PROVIDE THE ROOF REQUIRED UNDER THE LAW IN THE 15 DAY TIME PERIOD THREE TIMES. 

THESE ACCOUTNS ARE FRAUDULENT AND THEY REFUSE TO DELETE OR TO PROVIDE PROOF : XXXX, XXXX AND XXXX ALLEGED BANKRUPTCIES XXXX, XXXX XXXX AND XXXX AND XXXX XXXX ACCOUNTS. 

THESE MUST BE DELETED FOR FAILURE TO PROVIDE VERIFICATION OR PROOF AS REQUIRED UNDER THE LAW.
Consumer complaint received 2023-03-29
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2018-06-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synergetic Communication Inc (WA)

I received a debt notice from Synergetic communication Inc, for the creditor XXXX XXXX XXXX on XXXX. I immediately reach out to via phone and chat to XXXX XXXX XXXX and they confirmed me that I don't have any dues pending. I received the last bill with no dues which was 3 months back. 
I noticed my name on the notice was not accurate hence I decided to reach out to the debt collector via phone and email but I didn't get any response for the communication made on XXXX. 

I drafted a dispute notice to debt collector and sent them written dispute via mail and email on XXXX.
Consumer complaint received 2020-10-29
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. (GA)

I was a victim of identity theft and noticed unauthorized inquiries and accounts reporting on my credit report. I contact the creditors as well an the three bureuas to take action to getting this information corrected. I was told I needed to submit an FTC report along with police report which I provided. After about 10dyas I called to check the status of my case and was told by a supervisor that my documentation that I printed from the FTC site was not approved. This has caused me emotion stress and cause me denial of applications due to unauthorized, inaccurate reporting from the credit bureaus from no fault of my own due to negligence of my information being leaked from a data breach from the credit bureau. I have done what was asked of me and the credit bureau is not following the law where it states FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items MUST be removed!!
Consumer complaint received 2018-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NV)

I have disputed the late payments on this XXXX  XXXX account for months. XXXX  and XXXX  have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX. on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX  on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.