davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2020-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL (WA)

On XX/XX/2019, SYNCB/TJX CO DUAL CARD add a hard inquiry on my credit report per XXXX. 
On XX/XX/2019, SYNCB/PAYPAL add a hard inquiry on my credit report per XXXX. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2022-11-14
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. (NM)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX phone number Ombudsmen, CASE # XXXX I have filed the above case # with your office and have not received any information from you as of today. I would like you to contact me ASAP as I have many issues to discuss with you. I will list the circumstances of my student loan on this letter. 

# 1- XXXX Attending XXXX, XXXX XXXX XXXX XXXX XXXX made payments until.. 
# 2- Student loan purchased by XXXX XXXX XXXX XXXX XXXX my payments # XXXX Student loan purchased by XXXX XXXX. Made my payments.. 
# 4- Student loan purchased by XXXX  been making payments under IBR for 10 years The original amount that I took out was XXXX..all of these sales of my Loans were made without my authorization and now the balance is around XXXX.. 
I have been denied the XXXX XXXX forgiveness ( I have been working as a XXXX  at a Title XXXX and XXXX School for 7 years ). I was also denied PSFL ( prior to the Teaching position I was an Instructional Assistant for 4 years ). Working for XXXX XXXX XXXX XXXX XXXX. 
In XXXX I was attending XXXX to finish my last 11 hours of classes and took out a small student loan to get a lower interest rate from 9 % to 7 %. I do not want to refinance again as the debt incurred will be the XXXX ( the difference is capitalized interest ). 
In XXXX I was attending college for my XXXX XXXX and paid all of the monies ( tuition, books and state testing fees and license fees ) by myself. 
I will complete the XXXX  or the XXXX XXXX XXXX again if need be. 

I do not have a personal email address I would like all correspondence to be sent by snail mail to my post office box or by phone call. 

Thank you for your attention to this matter, XXXX XXXX XXXX TO : FAX NUMBER XXXXXXXX XXXX XXXX XXXX XXXX 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 2023-04-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: GOLDMAN SACHS BANK USA (UT)

I was with Goldman Sachs bank under the Apple Card agreement anyways I had a hard time paying the bill I struggle with communication with people and was trying to get my balanced waived Im just wanted to get some help from the company and I got no help my father passed away last year and was super mad I had a credit card account with Goldman Sachs this company wont work with u and makes it hard to work withi just didnt have a whole ton of money and was struggling tremendously and they are poorly ran company if they would have helped me waive the balance I would been so happy I just dont know how to manage credit cards very well Im XXXX and Im permanently XXXX and struggle a lot I shouldnt have opened an account bad judgement
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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. 
Delete the inquiries below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX XX/XX/2023 Equifax XXXX XX/XX/2023 Equifax
Consumer complaint received 2022-11-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Valor Intelligent Processing, LLC (TX)

XXXX XXXX XXXX XXXX calls, texts, and emails me regarding a debt owed by " XXXX XXXX '' to the XXXX. 

I have notified them multiple times that I am not this person, I do not know this person, etc. 

I have had my cell phone number for over 20 years, this debt is not mine. They state they will remove me, a month or two passed and they are back calling and texting me.
Consumer complaint received 2024-02-10
Product: Credit reporting 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. (MI)

XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XX/XX/XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Dispute of Hard Inquiry on my Credit Report Dear Sir/Madam , I am writing to officially dispute a hard inquiry that is listed on my credit report. After reviewing my credit report obtained from your credit reporting agency, I discovered an inquiry that I did not authorize or recognize. I request an immediate investigation into this matter and ask for the removal of the hard inquiry from my credit profile. Details of the hard inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I would like to highlight the following concerns regarding this hard inquiry : 1. Unauthorized Inquiry : I have not given consent to XXXX XXXX XXXX XXXX XXXX  or any other entity to perform a hard inquiry on my credit report. This unauthorized inquiry has been detrimental to my credit score and overall financial well- being. 
2. Lack of Information : I am unaware of the specific purpose for this inquiry. I have not engaged in any new credit applications, loan requests, or any other activities that require a hard inquiry during the stated time frame.

3. Possible Error : It is possible that this inquiry has been reported incorrectly, or there may potentially be an identity theft issue. I request a thorough investigation to verify the legitimacy of this inquiry. In accordance with the Fair Credit Reporting Act ( FCRA ), I am entitled to a prompt investigation of this disputed inquiry. Therefore, I kindly request that you initiate the investigation immediately and provide me with a written response within the legally mandated 30-day period. Please provide me with the following information upon completion of your investigation : 1. Confirmation of the legitimacy of the hard inquiry.

2. The source of the inquiry.

3. Steps taken to rectify any errors or inaccuracies in my credit report.

4. Verification of the removal of the disputed hard inquiry from my credit profile.

5. Updated copy of my credit report reflecting the amendments made. I understand the importance of maintaining accurate and up-to-date credit information. I respectfully request your urgent attention to this matter and appreciate your cooperation in resolving the dispute promptly.

Enclosed with this letter are copies of relevant documents supporting my dispute. Should you require any further information or documentation from me, please do not hesitate to contact me using the information provided above.

Thank you for your immediate attention to this matter. I look forward to receiving a satisfactory resolution to this dispute within the designated time. 

XXXX XXXX
Consumer complaint received 2022-11-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (AR)

XXXX, I called to request a refund for payment made during the pandemic and was told the request was being processed. There is no confirmation given. I called back XXXX weeks later to ensure the request was submitted. I was told it was submitted and they weren't sure how long it would be, because my refund was tied up with my student debt relief. I was under the impression these are XXXX seperate transactions?
Consumer complaint received 2021-10-08
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRUIST FINANCIAL CORPORATION (TX)

I am not familiar with this account. I have contacted Regional Acceptance concerning this account my letter was delivered on XX/XX/2021 the tracking number is XXXX. Regional Acceptance has not responded to my letters, they have not sent a contract, statements or any documentation concerning this account.
Consumer complaint received 2021-09-02
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. (MO)

On XX/XX/2021, I sent a method of verification letter to XXXX, XXXX and TransUnion regarding a bankruptcy that is listed on my credit report. There has been no reply by mail, email or phone regarding this matter.
Consumer complaint received 2022-11-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (ID)

Citicard debited autopay amounts from an old bank account that was never setup for autopay instead of the one specifically setup for autopay. The amount debited was {$7600.00} resulting in an overdraft of that older account. I never activated the auto-pay feature until after entering a new account that was setup specifically to act as the autopay for credit cards and has plenty of cash to cover. The new account has been auto-debited for about a year without issue and now out of the blue the card debited against the old account which was only ever used for manual payments. This is an unacceptable mistake and has caused serious ramifications and a problem I have to waste time solving.
Consumer complaint received 2020-05-22
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. (NY)

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasnt approved so it prompt me to check my credit report. These items listed are not mine and need to be removed. XXXX XXXX {$110.00} XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX {$680.00} XXXX  XXXX {$2800.00}
Consumer complaint received 2022-11-14
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. (GA)

The addresses that are linked to my accounts are incorrect so i disputed the false information. The wrong addresses have not been removed as well as the creditors that fall under the wrong type of address and address information. Also i have many names that are not mine and i also disputed them with the credit bureaus and they again did not update this information as well as the creditors that fall under the incorrect names.
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Please note that I am the author of this complaint and all attachments. I have attached a copy of my driver 's license and my social security card to verify my identity The credit bureaus have violated 15 USC 1681i and 15 USC 1681e. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. All I have been getting are frivolous, eOscar automated responses. No real investigation was conducted after my initial dispute.

The furnishers are in violation of 15 USC 1681s-2b " ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. '' After my dispute of the accuracy of these accounts, the furnishers falsely verified the reporting to be accurate and complete instead of deleting the account from my credit report. This is will non-compliance and I now have a claim under the FCRA with civil liability under 15 US Code 1681n
Consumer complaint received 2020-05-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: The Best Service Co.,Inc (CA)

The company failed to notify me in writing of this debt. I found out due to it being reported on my credit. I never heard from the company at all and once I found out about it, I paid immediately. This account should have not put on my credit as it was reported to XXXX XXXX. I never applied for a loan or a credit card. This was over draft fees and etc.
Consumer complaint received 2020-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (TN)

I cosigned a car with my ex girlfriend several years ago. She took the car and ran off where the bank and police could not find her. I was threatened by Ali bank to pay for the car when I had no idea where the car was or is now. XXXX XXXX said my credit was XXXX and when trying to purchase a home with my wife, the car with my ex girlfriend is damaging my credit where XXXX XXXX can not see it. The account is closed on credit karma but still affecting me. Ali bank never told me if they ever found the car. I want this entire thing taken off my credit because this is completely unfair and unlawful when I was being asked to pay for a car when the police, the bank, and myself had no idea where it was.
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-11-14
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC (DE)

Transworld Systems Inc and XXXX XXXX XXXX is engaging in unlawful extortion means by knowingly furnishing false and misleading information while having reasonable cause to believe the information is inaccurate. This was done to coerce me into making a payment on an alleged debt without proof of claim. I DID NOT and I DO NOT consent to any negative information being disclosed to nonaffiliated third parties without my lawful authority.Transworld Systems Inc, XXXX XXXX XXXX and the consumer reporting agencies involved have used my nonpublic personal information without my lawful authority to bring harm to me and my financial reputation which violates 18 USC 1962 ( c ). XXXX XXXX XXXX transferred the account in reference without lawful authority to Transworld Systems Inc which is a violation of code 18 USC 1028 ( a ) ( 2 ). Transworld Systems Inc obtained my nonpublic personal information by illegal means and with ill intent. I failed to dispute the validity of the debt within the prescribed time period therefore resulted in unlawfully furnishing the debt to my consumer report which violates 15 USC 1692g ( c ). Furthermore I have never conducted business with Transworld Systems Inc and I have not benefited from this transaction which is also a violation. According to 15 USC 1602 ( p ) Transworld Systems Inc does not have actual authority for such use of my credit card defined under 15 1602 ( l ) and I received no benefit from this unlawful transaction. Without lawful authority, by using means of my identification Transworld Systems Inc is committing aggravated identity theft and attempting to collect on this account by extortionate means pursuant to 18 USC 894. I would like to inform Transworld Systems Inc that this debt is not valid and my failure to dispute the validity of the debt will not amount to an admission of liability under code 15 USC 1692g ( c ). I have attempted to rectify this matter multiple times but due to the mutually beneficially business relationship Transworld Systems Inc has with the consumer reporting agencies, I have reason to believe they are engaging in racketeering activity. Multiple verified responses has proven that the consumer reporting agencies arent being impartial when it comes to respecting my right to privacy. Their conspiracy against my rights is affecting my ability to operate in commerce. This is a violation of 15 U.S. Code 1. I am requesting notice of the amount of the alleged debt and the name of the original creditor 15 USC 1692g because I have not received notice containing the pertinent facts of this transaction which is a violation of 15 USC 1602 ( k ).
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-11-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (VA)

Received a denial to open a Citi Bank Credit card. I didn't apply. 


I've tried calling the company but I haven't been able to get through the phone tree.
Consumer complaint received 2020-05-22
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. (CA)

I was at the XXXX dealership on XX/XX/2020 and when I had my credit ran to see if I qualified for the auto loan I was told that I was not approved because there were too many accounts in negative standing appearing on my credit. I was somewhat confused to hear this because I have never let any of my accounts or loans get negative so I looked through my credit report and I saw XXXX accounts that I never opened. The accounts are from these companies. XXXX & US Department Of Edu. None of the accounts I listed on this report belong to me and I did not give anyone permission to open these accounts on my behalf ; I do not have any agreement or affiliation to any of those companies and I did not gain anything as a result of those accounts being open in my name.
Consumer complaint received 2022-11-14
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: General Motors Financial Company, Inc. (FL)

GOOD DAY SIR / MA, I HAVE IN THE PAST MADE CREDIT CARD ENQUIRES WITH THIS CREDIT CARDS COMPANY BUT I NOTICED THAT EACH YEAR THEY WENT AHEAD AND CHECK AND MONITOR MY CREDIT, WITHOUT MY AUTHORIZATION. 
THIS ADDS UP ON MY CREDIT REPORT AS IT MAKES IT LOOK LIKE I MADE THE NEW REQUEST FOR THE CREDIT CARDS. ALSO I HAVE BEEN A VICTIM OF IDENTITY THEFT IN THE PAST, I THINK THE PERSON WITH MY INFORMATION STILL TRY TO GET CREDIT CARDS ON MY INFORMATION AS I RECIEVE SOME DECLINE MAIL WHILE I NEVER APPLIED FOR ANY CREDIT CARD THIS ALSO SHOWS UP ON MY HARD ENQUIRY CREDIT REPORT. 
I WANT THE BANKS THAT HAVE MY SSN THAT MONITOR AND CHECK MY CREDIT WITHOUT MY CONSENT TO STOP DOING SO, ALSO SOME CAR DEALERSHIP, AND CLEAR UP MY HARD ENQUIRY, AS ITS AFFECTING ME NEGATIVELY. I NEVER GAVE THEM ACCESS TO MONITOR AND CHECK MY CREDIT YEARLY, BUT I SEE THEY DO SO YEARLY, AND SOME NEW ENQUIRIES I NEVER ACTUALLY AUTHORIZED. 

ATTACHED ARE THE PICTURE OF COMPANIES REQUESTING AND MONITORING MY CREDIT SCORES YEARLY.
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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