davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-12
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. (NJ)

I received pre.approved confirmation certificate from upgrade company for low fixed rate loan on XX/XX/XXXX I went to the company website at XXXX and to check my rate with out impact my score as been shown in steps of that website then I found hard inquiry in my transunion report from webbkupgrade on XX/XX/XXXX and I do n't even complet their application they mention clearly it not impact to check rate.i thought nothing will impact my credit score as I never send then any documents to apply for this loan just wanted to check my rate and how much line I will approve for. thanks
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. (MS)

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 XXXX  Account XXXX Account Name : 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 2018-01-12
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: Upgrade, Inc. (NJ)

I received pre.approved confirmation certificate from upgrade company for low fixed rate loan on XXXX I went to the company website at XXXX and to check my rate with out impact my score as been shown in steps of that website then I found hard inquiry in my XXXX report from XXXX on XXXX XXXX XXXX and I do n't even complet their application they mention clearly it not impact to check rate.i thought nothing will impact my credit score as I never send then any documents to apply for this loan just wanted to check my rate and how much line I will approve for. thanks
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
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. (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.

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 2018-01-12
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: Firstsource Business Process Services, LLC (MO)

I contacted XXXX XXXX regarding them reporting a account that is over 10 years old on my credit report they could n't locate a account by my name or social security number or address. I disputed them reporting this account under my new bankruptcy in XXXX chapter XXXX. This debt should have been deleted a longtime before I filed bankruptcy but they added themselves as if this was a new or was due at the time of my bankruptcy. I asked then to remove it. I will not let this sit on my credit another 10 plus years .They verified this account being reported correctly XXXX/XXXX/XXXX but when I called them they had no information.
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 Account NumberXXXX Account Name : XXXX XXXX  Account Number:XXXX  Account Name : XXXX 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 2018-01-12
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. (SC)

I sent validation letters to Transunion to validate 12 accounts on my credit report the week of XX/XX/XXXX and I received any validation from the collection agencies or Transunion. According the the FCRA the time frame is 30 days and I still have n't receive any validation but my transunion report was updated the week of XX/XX/XXXX as Meet FCRA Requirements and Placed for collections. The 12 accounts were XXXX ( Listed 5 timess ), XXXX, XXXX ( listed twice ), XXXX XXXX, XXXX XXXX ( Listed 3 times ). I do n't have the account numbers because the debt was never validated to me.
Consumer complaint received 2018-01-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Trident Asset Management, L.L.C. (NC)

I never had an account with this company, this is a collection agency. I have filed a complaint with this office before about the company Trident Asset Management, at that time the 4 items were removed XX/XX/XXXX and now placed back on my credit report on XX/XX/XXXX. Fraudulent.
Consumer complaint received 2018-01-11
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC (TX)

I get a letter in the mail roughly around X/17 saying that I had a {$510.00} balance that was sent to collections for a medical bill I do not recall ever hearing about. This is now showing on my credit report as " placed for collection '' when I had only received 1 letter and zero phone calls about.
Consumer complaint received 2018-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Last Reported XX/XX/XXXX Creditor Name XXXX XXXX XXXX Account Type Credit Card Account Status Closed Opened Date XX/XX/XXXX Closed Date -- Limit {$300.00} Term -- Monthly Payment -- Responsibility Individual Account. 
Balance {$750.00} Highest Balance -- Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due {$750.00} Times 30/60/90 Days Late XX/XX/XXXX Remarks Charged off account Last Reported XX/XX/XXXX Creditor Name XXXX XXXX XXXX Account Type Credit Card Account Status Closed - Transfer/Sold Opened Date XX/XX/XXXX Closed Date -- Limit {$300.00} Term -- Monthly Payment -- Responsibility Individual Account. 
Balance {$0.00} Highest Balance {$610.00} Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due -- Times 30/60/90 Days Late 0/0/0 Remarks Charged off account Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$1400.00} High Balance {$1400.00} Remarks Consumer disputes this account information Collection account Sort By : XXXX XXXX XXXX XXXX XXXX XXXX Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$610.00} High Balance {$610.00} Remarks Consumer disputes this account information Collection account XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX/XXXX XXXX XXXX XXXX ( I do not have dates for these, it will not let me review it The steps I have taken to remove fraud from my name. I have legitimate proof that it was fraud if anything is needed.
Consumer complaint received 2018-01-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Google Compare Credit Cards Inc. (VA)

My Google Wallet account was hacked and two fraudulent transactions were made without my consent on XX/XX/XXXX and XX/XX/XXXX. These transactions transferred {$1400.00} directly from my checking account. I called Google Wallet support immediately upon seeing the transactions and explained to them that they were fraudulent and requested the charges be reversed. After many conversations and time spent on hold they informed me that the charges were not fraudulent and they would not be refunding my money. I told them if that was their final decision I would issue charge backs with my bank. 

I called my bank who informed me they could try to put a hold payment on the transactions. The end result of the bank issuing a hold on the transaction was the money being refunded into my checking account. 


After this happened, Google Wallet suspended my account, which also suspends your XXXX   Payments account. I submitted verification paperwork to reopen it which they did. unfortunately shortly after this, they must have processed the second charge being held at the bank and suspended my account again. Essentially they suspended me for the same thing twice ... At this point they refused to reinstate my account. 

The effect of this is you can no longer use most XXXX services, including XXXX XXXX, or the XXXX XXXX XXXX, since you have no way to pay them. All payments go through XXXX   Payments. 

I am now in a situation, after spending maybe 20+ hours on the phone with XXXX begging them to reinstate my XXXX Payments account, where I must find a new cell phone provider since I can not pay my XXXX XXXX  bill. I also can not use the XXXX XXXX XXXX anymore, which effectively makes using an Android phone useless. So now must change phone platforms entirely. 

All of this because they will not reinstate my suspended account so I can pay them.
Consumer complaint received 2015-11-13
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Skagit Bonded Collectors, LLC (WA)

ex-wife took daughter to hospital without my knowledge, I pay for medical coverage for my daughter.Ex-wife signed financial paperwork at hospital and never paid uncovered costs. collection agency immediately reported to my credit report of failure to pay for uncovered costs. I never entere into any contractual agreement with hospital to pay uncovered cost and I never received any bill from hospital or ex-wife and never received any verbal or written notification from collection agency. I contacted the credit agency and made a complaint and they came back and said that collection agency had documentation proving that I was a responsible party. The collection agency has never provided me with documentation of what was owed or who it was owed to and for how much.
Consumer complaint received 2018-01-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX trans union XXXX several vendors I have repeatedly sent certified letters to the credit unions several certified letters to all vendors in question uncountable number of on line complaints to all I continue to request proof signed credit appls signed loan agreements no one has ever proved any proof and keep refuse to prove it and product anything I signed and refuse to ever look in to it because they keep claiming verified with no proof this must be a criminal act after 18 months. this is so wrong why should I have to pay XXXX. dollar for each credit union and each vendor that continue no break the FCRA and FDCPA
Consumer complaint received 2017-12-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (CA)

XXXX XXXX XXXX is the Parent company I actually attended the campus in XXXX XXXX, CA which as you can see no longer exists. I was unable to complete my degree program because this campus closed. I received a certificate. The classes I needed to take were not available in the next module so I had to wait for it to roll around again, so technically I was not enrolled when the campus closed. I explained this to the Navient representative in a request to relieve me of the debt under the provisions of the school closure provision. They denied the request because I was not enrolled. XXXX would not allow me to enroll because THEY KNEW they were closing the campus! They gave me the option of going to XXXX or XXXX/XXXX XXXX to finish. Those are HOURS away from my home. This is not what I paid for or signed up for. Navient indicates I have the option to finish because I can go to one of these campuses.XXXX is a XXXX XXXX, it does n't have dorms, XXXX is 1.5hrs one way with traffic it 's more like 2 hours. XXXX is 3.5 hrs away. This is an absurd idea that I would spend 4 to 7 hours on the road each day in order to finish this degree. 
I feel they are not following the intent of provisions of the school closure remedy because they are only interested in their money not the burden it has placed on the student.
Consumer complaint received 2018-01-12
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (MA)

I graduated in XXXX. I refinanced my loan along with spouse in XXXX with XXXX XXXX. Divorced. Unable to split the loan my ex stopped paying her share I continued to pay. I can not access any information until I speak to a rep and they ask several questions about who I am. The loan primary social is my ex wife 's. Yet they continue to call me and send correspondence to me. 26 years later and still not played off. XXXX left. Unbelievable! She has paid them little, I have paid and get all the grief
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. (OH)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. If you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-01-12
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: NAVY FEDERAL CREDIT UNION (CO)

I received a letter titled IRS demand payment for a debt of {$1800.00} for my XXXX taxes. The letter contained my complete social security number in the upper right hand corner and stated that IRS has requested several times for funds in the first letter and I should pay-up immediately. Two months later another letter was sent to my XXXX XXXX XXXX asking me to pay up immediately. In XX/XX/XXXX, another letter came in through regular mail to my home, stating that I owed IRS {$2100.00} and if I did n't pay up immediately, 15 % of my social security benefits would be seized. I was told not to contact the Social Security Administration about the deduction from my social security benefits. I notified my credit union and Social Security Office, downtown XXXX about the threat. I met with the credit union and social security official and changed my account, in fear that my bank account had been compromised. 
On XX/XX/XXXX, my credit union account showed that my {$1100.00} social security benefit check was reduced to {$990.00}. I met with Social Security Administration on XX/XX/XXXX who explained that no such deduction had been made to my benefits by Social Security Administration, I was given a copy of my Social Security benefits for XX/XX/XXXXshowing that {$1100.00} was deposited. I than met with the Credit Union who said that no such deduction was authorized by the credit union and that the {$990.00} was deposit as is. 
I returned again, after discussing the deduction with my tax person, to the Credit Union and asked if any authorizations had come in demanding payment for the debit and I was told no. The credit union explained that when deductions are authorized by a creditor, the total amount of the deposited benefit is recorded and then the authorized debt is shown, in my case, the {$990.00} was the only deposit made. I went back to Social Security Administration on XX/XX/XXXX and asked again about the deduction. I was told that on XX/XX/XXXX, my {$1100.00} benefit check was sent to the credit union for deposit, the credit union sent the {$1100.00} benefit check back to Social Security Administration and on XX/XX/XXXX, Social Security Administration deducted XXXX. Social Security did n't know who deducted the funds on XX/XX/XXXX, but would send a copy of the authorization to deduct the funds in a couple of days on Social Security Administration stationary. No such notification has come in the mail as of XX/XX/XXXX.
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. (OH)

Im submitting a complaint to you today to inform you I was the victim of fraudulent activities. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file an identity theft report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report. Please find the ATTACHED documents to assist in the removal of the erroneous information and fraudulent items that were being posted to my reports. Here is the list of items that were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged fraudulent activity, not later than 4 business days after the date of receipt.