davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

On XX/XX/2022, I checked my TRANSUNION Credit Report that is linked, XXXX  : XXXX XXXX to my XXXX XXXX Bank Account. To my surprise, TRANSUNION is falsely, inaccurately reporting and sabotaging my reputation, by reporting on my Credit Report that, I have 2 recent XXXX XXXX BANKRUPTCIES. This devastating fraudulent inaccuracy is saying that I filled BOTH of these BANKRUPTCIES on XX/XX/2022. I ASSURE YOU THAT, I HAVE NOT FILLED NOT XXXX XXXX XXXX XXXX XXXX BANKRUPTCIES on XX/XX/2022. 

My husband and I are in the process of getting ready to purchase a home. After our Realtor was made aware of this falsely, inaccurately reporting and sabotaging my current reputation, she immediately said this would be an issue, because I couldnt have any RECENT BANKRUPTCIES less than 2 years on my Credit Report in order to possibly move forward in the purchasing of our first home. DO TRANSUNION HAVE ANY IDEA WHAT THIS HAS DONE TO ME! I literally have been XXXX ever since my Realtor stated that to me. I was so devastated over this, I didnt even go out of town with my Family and to celebrate my Aunts Birthday with her, because theres a STRONG possibility that my husband and I wont get the home we have our eyes on, due to this FALSELY AND INACCURATELY REPORTING. 

So, the home that my husband and I have our eyes and hopes on of purchasing, may possibly be purchased by other buyers, due to TRANSUNION FALSELY AND INACCURATELY REPORTING THIS ON MY REPORT. 

Now, I spoke with XXXX XXXX on Friday, XX/XX/2022 about this FALSELY and INACCURATELY reporting on my TRANSUNION Credit Report they share with them. And I was told by XXXX XXXX that they ( XXXX XXXX ) did have anything to do with this. All they do is provide us ( MEMBERS ) a free access to our Credit Report provided, by TRANSUNION.
Consumer complaint received 2022-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Transunion has continuously reported XXXX XXXX to my credit profile. This has been disputed SEVERAL times, in addition to filing an FTC complaint regarding identity theft. Transunion has also continued to " dance around '' the issue by continuously providing frivolous responses and advising they are responding within 60 days. Transunion is ONLY allowed 30 days to respond accordingly. The pending open CFPB complaints will now be escalated and this should be considered an intent to sue. 

XXXX XXXX is reporting inaccurate, incomplete, FRAUDulent information. With that, they have been removed and blocked from XXXX, as they can not supply the supporting documentation. Considering the data furnisher should be providing the SAME " accurate '' information, this is clear that Transunion is deliberately committing several violations. 

Per transunions response, they have provided my demographics to a company whom did not have them prior and now they have " updated my address. '' Transunion has provided XXXX XXXX with the information needed to " validate '' a debt that is fraudulent and not owed to them by myself. 

Per 15 U.S. Code 1681c2, this information is to be BLOCKED and removed within 4 days of receipt as it is a result of identity theft. 

I want to be explicitly clear with my request. I am not requesting verification of debt ; but instead, I am requesting validation of the debt. It has become increasingly clear that you are being willfully negligent in rectifying my affairs. Over the past year I have made subsequent attempts to have this account reasonably investigated in accordance with both the Fair Credit Reporting Act and Fair Debt Collection Practice Act. 
Starting 4 days from the day you receive this letter ; I am demanding you furnish the supporting documents and PROBABLE evidence that I have any obligation to the abovementioned accounts. If you are unable to produce said requirements within the generously allotted threshold, by federal law you are required to remove the accounts from my consumer report without prejudice. 

By responding that you have received my complaint and request, that will guarantee a contract to have said items properly addressed within the next 3 business days.
Consumer complaint received 2024-02-24
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: EQUIFAX, INC. (TN)

I am writing to express my dissatisfaction regarding the tardy handling of the opening of my account with Credit Bureaus. I submitted all the necessary documentation and fulfilled the requirements for the establishment of an account, yet to my dismay, there has been an unacceptable delay in its processing. 

As a new client, I anticipated a prompt and efficient response from your esteemed company. However, the prolonged delay in opening my account has caused inconvenience and frustration on my end. I have been eagerly waiting to commence business transactions with your organization, but the delay has hindered this process significantly. 

Given the circumstances, I kindly request that you expedite the processing of my account opening without any further delay. Time is of the essence, and I trust that you will prioritize this matter accordingly. Additionally, I would appreciate timely communication regarding the status of my account and the steps being taken to rectify this situation. 

Please understand that my dissatisfaction stems from the lack of promptness in resolving this matter, and I hope that you will take the necessary steps to rectify the situation promptly. I value the potential partnership with your company and believe that swift action on your part will help restore my confidence in your organization. I am asking for your assisstance to correct these accounts in my credit file : XXXX XXXXXXXX Balance Owed : {$770.00} ; XXXX XXXX Balance Owed : {$1400.00} ; XXXX XXXXXXXX Balance Owed : {$2200.00}.
Consumer complaint received 2024-02-24
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: EQUIFAX, INC. (NJ)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (LA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX Balance : {$12000.00}
Consumer complaint received 2017-02-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (CA)

I applied for a recertification of my IBR plan XX/XX/2016, I applied via the Studentloans.gov website, and my spouse also completed their portion of my IBR application. On the same website I applied for the direct loan consolidation via Navient as a servicer. Navient received my direct loan consolidation application but denies receiving my IBR recertification, they were submitted together and have the same application reference. Studentloans.gov has confirmed delivery of my application referenced in my confirmation emails. Navient, will not allow me to dispute their denial of application receipt, and studentloans.gov says they do n't have any further information to help my case. If I call Studentloans.gov they tell me to contact navient, and vise versa, neither will place me on administrative forbearance while this administrative issue is figured out. I submitted my paperwork and application as required by law, I qualify for IBR as does my spouse ( who has been approved - applied around the same time ( recert ) ). I have emails, and confirmation that my application was submitted. 

Application reference for DCL app and IBR app : XXXX, if i open the document with the IBR application I get reference number XXXX ... What appears to have happened is an error, at least on the part of Studentloans.gov. It looks like their application submission system did not send out XXXX separate applications. I have both forms completed ( as submitted - I downloaded today from their website ), they have XXXX different reference numbers. Navient claims they only got XXXX of the XXXX applications. Either way, they are saying they can not help me until I agree to accept the terms of forbearance ( fees, interest, and deduction of time allowed to defer ). I believe these affected loans should be on administrative forbearance until this matter is investigated.
Consumer complaint received 2023-03-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (TX)

Chime closed my account without warning or reason. Said i wasnt in compliance but all i didnt was file a dispute on a charge that i didnt authorize. Told me itll take 30 days to receive my money that was in the account. I have no money to my name, Im a single parent and i have a lot of bills that are coming due. I have no one to borrow money from, i live alone and have no family. I dont have a way to provide for my children and i for the next 30 days and no one at Chime seems to care.
Consumer complaint received 2022-02-10
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: EQUIFAX, INC. (LA)

Ive been disputing the XXXX XXXX XXXX XXXX XXXX and they dont work wit it i want to remove it asap
Consumer complaint received 2019-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

Due to the Equifax data breach, I was coerced into enrolled in their XXXX XXXX program at no charge. After 1.5 years or so, I have been informed that my free membership is cancelled. My login and password no longer worked on their website. I decided instead to put a freeze on my information. I set up a new login on their site, and had to include my full S/S number. I still could not log in to the site, and was eventually locked out. I called customer service, and the representative took all my information and left me on hold awhile. When she came back, she said ( in a very heavy accent ) she couldn't help me without more information, including my full social security number ( I had already given her the last four ). Considering Equifax 's record on security, and the fact that their call center is in the XXXX, I feel very uncomfortable giving more info to some foreign person just to unlock some bogus site. It's bad enough this company has put me in this position, but do I need to put my information at more risk?
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

I am writing to file a formal complaint regarding fraudulent items that have appeared on my credit report. These fraudulent entries are causing significant damage to my creditworthiness and financial standing, and despite repeated attempts to rectify the situation, they have not been promptly addressed. 

The fraudulent items in question, which include [ describe the items in detail, providing any relevant account numbers or reference numbers ], have been inaccurately attributed to my credit history. I have provided extensive evidence demonstrating that these items are the result of fraudulent activity and should be removed immediately. 

Despite submitting multiple disputes and providing all required documentation to support my claims, these fraudulent entries persist on my credit report. This has had a detrimental impact on my ability to obtain credit, secure favorable interest rates, and make important financial decisions. 

I urgently request that you take immediate action to investigate and remove these fraudulent items from my credit report. It is crucial that my credit history accurately reflects my financial responsibility and is free from any fraudulent activity that could harm my reputation and financial well-being. 

Additionally, I request transparent and timely communication throughout the resolution process, including regular updates on the progress of the investigation and the actions being taken to address this issue. 

Failure to address this complaint promptly and satisfactorily will leave me with no choice but to seek legal recourse and escalate this matter to the appropriate regulatory authorities. I trust that you understand the urgency of this matter and will take swift action to rectify it without further delay. I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (LA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2022-02-10
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Credence Resource Management, LLC (SD)

I am currently in negotiations with XXXX through XXXX. 
I have been getting spam calls lately from some odd numbers and some as late as XXXX XXXX XXXX 
I look through my XXXX credit report and I see 2 credit entries, one from XXXX and another from Credence XXXX XXXX. 
I am currently trying to repair my credit reports and going to hopefully have my first time home ownership in the next year. 
I am currently awaiting on XXXX through XXXX on their settlement offer. Also I did report these credit entries to XXXX at this time.
Consumer complaint received 2017-02-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (HI)

NAVIENT Solutions Inc. has for the past 13 years steered me in the wrong direction to pay off my loan by telling me that I was not eligible for an income based repayment plan, but rather enrolled me in forbearance and deferment plans that include continued interest accumulation and late fees. Despite my continued efforts and attempts to inform them about my inability to pay, due to my low earnings and high cost of living, they continue to harass me by repeatedly calling my work place and leaving messages with the administrative staff, and sending me threating letters. When I attempted to lower my loan via a XXXX Loan Forgiveness Incentive, they have denied it despite my being eligible and submitting all the paperwork and proof of eligibility as requested by them through Department of Education.
Consumer complaint received 2015-07-30
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

XXXX XXXX XXXX XXXX has failed to provide documentation and proper accounting for payment of their services. We transferred monies to them on XXXX/XXXX/2015 for two months of service. They show on their bill that they canceled this payment, and subsequently charged us for three months of service following their " cancellation ''. In order to prevent interuption of service I paid the entirity of the bill, totaling five months of service for three months. They have failed to return us said monies, for two months of service, and can not account for where this money is. Thusly, they have violated Regulation E of Title 12 of set forth in the CFR.
Consumer complaint received 2020-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

Experian Dispute on XXXX. Results Date : XXXX. 
Dispute Results - Remains Dispute Reason : Not Mine. Do not identify. Incorrect information, In-correct Name and Address information added to my credit report by these companies. 

Collections : XXXX XXXX XXXX - {$13000.00} XXXX XXXX XXXX - {$900.00}. 
XXXX XXXX XXXX {$1500.00} Loan and Banking : Dispute Reason : Do not owe money. Paid in Full. Unauthorized Charges. 
XXXX XXXX XXXX - {$3900.00} XXXX XXXX XXXX  XXXX {$790.00} XXXX XXXX   XXXX  XXXX XXXX {$2100.00} XXXX XXXX  XXXX {$400.00} Auto Loan Account : Un-authorized charges. Incorrect Balance and Payment info. 
XXXX XXXX XXXX XXXX - {$33000.00} Hard Inquiries : Dispute Reason : Not Mine. Do not identify. Incorrect information, Never gave permission to run credit. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2016-09-28
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A. (CO)

This morning my mother found out that Citicard had switched her to paperless statements without notifying her or asking for authorization. I 'm pretty sure this is illegal but even if it 's not it 's an abuse of the system. My mother is probably like many Senior Citizens in that she prefers to receive paper statements. Not receiving one meant that she was charged a {$53.00} late fee on top of her minimum payment. The good news is that when she spoke to a representative they told her they 'll credit the late fee to her next bill ; my concern is that more people need to be aware of this potentially happening to them and ruining their credit rating. At the very least.
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I am writing to formally address the ongoing issue of fraudulent items on my credit report, despite numerous attempts to have them removed. Despite my persistent efforts, these fraudulent entries persist, casting a shadow over my financial integrity and causing undue hardship. 

I have diligently followed all necessary protocols to dispute these items, providing extensive documentation and evidence to support my claims of fraud. 

However, despite my repeated attempts to rectify this matter, the fraudulent entries continue to mar my credit report, tarnishing my reputation as a responsible consumer and hindering my ability to secure credit and make important financial decisions. 

This persistent failure to address the fraudulent items reflects poorly on your organization 's commitment to accuracy and integrity in credit reporting. It is unacceptable that despite my continued efforts to resolve this issue, there has been no meaningful progress or resolution. 

I urge you to take immediate and decisive action to rectify this matter by expeditiously removing the fraudulent items from my credit report. Additionally, I request transparent communication throughout the resolution process, including regular updates on the progress of the investigation and the actions being taken to address this issue. 

Failure to address this complaint promptly and satisfactorily will leave me with no choice but to explore alternative avenues for resolution, including legal action and escalation to regulatory authorities. I trust that you understand the seriousness of this matter and will take all necessary steps to rectify it without further delay. 

I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXXXXXX Balance : {$3300.00}.