davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-07
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. (TX)

I am writing to file a formal complaint regarding unauthorized inquiries on my credit report. Despite my efforts to maintain the integrity of my credit profile, these inquiries continue to adversely affect my financial standing. 

I have previously disputed these unauthorized inquiries through your bureau, providing evidence of their unauthorized nature. However, they remain on my credit report. 
Requested Resolution : I request an immediate and thorough investigation into these unauthorized inquiries to validate their legitimacy. If found to be unauthorized, I request their prompt removal from my credit report. 

Additionally, I request a written confirmation once the unauthorized inquiries have been removed, along with a detailed report outlining the investigation process and resolution. 

Please acknowledge receipt of this complaint within [ mention a specific timeframe ] and provide a designated contact person for further communication. I am asking for your assistance to remove these unknown inquiries in my credit file : XXXX XX/XX/year> XXXX XXXX XXXX  XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX  XX/XX/year> XXXX  XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX  XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXXXXXX XXXX XX/XX/year>.
Consumer complaint received 2020-05-16
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. (TX)

YOUR COMPANY is continuing to report fraudulent accounts on to my credit file that they maintain. XXXX with a past due amount of {$670.00} opened XX/XX/XXXX and XXXX XXXX XXXX opened XX/XX/XXXX with a past due amount of {$670.00} do not belong to me. I am a victim of identity theft and these account are a result of such.
Consumer complaint received 2017-01-19
Product: Debt collection — Federal student loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC. (NY)

Navient is stating that I owe {$11000.00}. My loan is for {$10000.00} and I have been making payments so I would think it should be less. I tried working our a plan for months, but they were very difficult to deal with. My acct fell further behind. They finally put me into forbearance ( deferring my loan payments ) because the repayment plans they were proposing we not affordable. This went on for years because there payment plans were too high and I knew I would fall behind again. I offered to make small payments every month, but they were not willing to accept them. I believe the years of forbearance caused my loan to incue additional interest and fees that could have been avoided. When they finally came up with a payment plan that I could afford, they said they would remove any negative information from my credit if I made payments on-time for XXXX months. They put me in a " probationary '' period. I completed the XXXX months but they did not remove the negative information. After several phones calls and letters to Navient and the credit bureaus for months, the negative information was finally removed from XXXX and XXXX, but still remains on my XXXX report.
Consumer complaint received 2024-02-07
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. (IL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or 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 2024-02-07
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. (AR)

I am writing to express my deep dissatisfaction and concern regarding the ongoing issue of fraudulent items persisting despite repeated attempts to remove them. As a customer of Credit Bureaus, I expect transparency, reliability, and prompt action in addressing such matters. 

I have made several attempts to report and have fraudulent items removed from my credit file. However, despite my efforts and numerous notifications, these items continue to exist unabated. This not only undermines my trust in your organization 's integrity but also poses a significant risk to my personal information and financial security. 
It is unacceptable that such discrepancies persist despite being brought to your attention multiple times. 

I urge you to take immediate and decisive action to rectify this situation. Specifically, I request the following actions : Conduct a thorough investigation into the root cause of the issue, including any potential vulnerabilities in your systems or processes that may be enabling fraudulent activities to persist. 
Implement robust measures to prevent further occurrences of fraudulent items and ensure the security of customer accounts and data. 

Provide clear and timely communication to affected customers, including updates on the status of investigations and actions taken to address the issue. 

Offer appropriate compensation or restitution to customers who have been adversely affected by the presence of fraudulent items, such as refunds or account credits. 

Review and improve your customer support and complaint resolution procedures to ensure that issues are addressed promptly and effectively in the future. 

I expect a prompt response to this complaint and a commitment from Credit Bureaus to address these concerns with the seriousness and urgency they deserve. Failure to do so will force me to consider alternative courses of action, including escalating this matter to relevant regulatory authorities or seeking legal recourse. I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$4900.00} XXXX XXXX Balance Owed : {$640.00} XXXX XXXX XXXX XXXX XXXX : {$4800.00} XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$2500.00} XXXX XXXX Balance Owed : {$640.00} XXXX XXXX Balance Owed : {$2200.00} XXXX XXXX XXXX Balance Owed : {$4800.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$46000.00} XXXX XXXX XXXX Balance Owed : {$6300.00}.
Consumer complaint received 2016-06-19
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: WELLS FARGO & COMPANY (WA)

In a letter dated XXXX/XXXX/XXXX, XXXX XXXX, Loan Adjuster, Recovery Department, Wells Fargo Education Financial Services, agreed to accept my payments of {$350.00} per month to satisfy XXXX private student loans that were in default. I 've attached a copy of that letter. 

Since then, in accordance with that agreement, I have paid {$350.00} every month, mailed to the address specified in that agreement. Although I have made every payment under that agreement ( until this month ), I have never received any statements or other information from Wells Fargo to tell me how my payments were applied and whether the balance is being reduced. 

Wells Fargo accepted my agreement. My payments within this agreement should have brought me current and should have cured any default. Instead, I recently discovered that the loans were " charged off '' XX/XX/2016. This charge-off is severly damaging my credit rating. 

I believe I have been deceived and that Wells Fargo has breached our agreement. I have been making good-faith payments, but now I 'm not sure if they 're going to the correct entity or if they 're being honestly or accurately applied.
Consumer complaint received 2024-02-07
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. (WI)

In XXXX an account XXXX XXXX  was disputed from transunion with a balance XXXX and was investigated upon results they updated the credit report but failed to remove the account for inaccurate reporting this account belongs to a person with similar name. We reached out to original creditor they failed to provide proof of this account. Please remove account immediately. 

Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. 

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719,
Consumer complaint received 2024-02-06
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. (IL)

The company violated my rights according to the following : 15 USC 1681 section 602 states that I have a right to privacy 15 USC 1681 section 604 A section 2 : a consumer reporting agency can not furnish an account without my permission 15 USC 1666b : a creditor may not treat or report a payment on a credit account as late for any purpose
Consumer complaint received 2017-01-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (WA)

I was refinancing my home. I was moving from a fixed mortgage with Wells Fargo to one with XXXX. I signed the closing documents on about the XX/XX/XXXX. A few weeks later I got a call from XXXX telling me they were having a problem. Wells Fargo was telling them the payoff amount was short even though XXXX was sending what they were told to in the payoff quote. The representative from Wells Fargo explained the payoff amount assumed I had made the XX/XX/XXXX payment but never verified. I explained to them I did not have an extra months payment but would be happy if that is what the problem was to enter a payment plan. The Wells Fargo representative said they would go set it up and get back to me. For the next five week both my loan officer and myself tried to get back in touch with the individual from Wells Fargo. I finally called to complain and was able to get this individuals supervisor. He told me what had been proposed could not work and they would only accept a full payment which now was up to two months with penalties. Again I told him I could not afford that and I had already begun to make payments to XXXX. He told me he would get back with me. Three weeks later I still ca n't get a hold of him. In the mean time I am paying on my XXXX mortgage but still getting bills from Wells Fargo. WellFargo is now telling me I am at risk of loosing my home. I have spent days talking to different people at Wells Fargo but none can help me. Once told me I should retain an attorney. I called HUD and got the same advice from them.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2020-06-30
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: Experian Information Solutions Inc. (OK)

DECIDE TO MAKE A BIG MOVE AND BUY MY FIRST HOME. I KNEW I WANTED TO GO INTO A FIRST HOME OWNERS PROGRAM, DUE TO THEM BEING ABLE TO HELP YOU FINANCIALLY. AS I WAS SITTING WITH MY MENTOR SHE SAID MY CREDIT NEEDED TO BE PULLED. I KNEW I HAD A GOOD CREDIT SCORE SO I WAS NOT WORRIED ABOUT THAT BEING THE FIRST STEOP. OUT OF SURPRISE A BIG LIST OF ACCOUNTS I HAVE NEVER SEEN OR HEARD OF IN MY LIFE SHOWED UP. THOSE FRAUDULENT ACCOUNTS DO NOT BELONG TO ME. PLEASE REMOVE THESE THINGS FROM MY REPORT XXXX XXXX {$360.00} XXXX XXXX XXXX {$720.00}
Consumer complaint received 2017-03-10
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (NV)

Consumer opened a checking account with Wells Fargo and was offered {$100.00} opening bonus for terms of minimum direct deposit payments, account open length, and activity minimums. Consumer met all requirements. Bonus was not paid to consumer. Consumer received a letter confirming he was due a payment in the amount of {$100.00}, but this letter indicated the money would be deposited into an erroneous account number. Consumer wrote and called to Wells Fargo Customer Service and Exception payments departments, who reasoned that since they could not locate the erroneous account, they can not grant consumer that bonus that they guaranteed him in writing. 

Consumer met terms of bonus through his upkeep of accounts EVERYDAY CHECKING XXXX and WAY2SAVE SAVINGS XXXX. Failure to pay the earned bonus amount is unfair to consumer who upheld his obligations.
Consumer complaint received 2024-02-07
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. (CA)

I am writing to express my deep concern and frustration regarding the numerous attempts I have made to address the fraudulent items associated with my account. Despite multiple efforts on my part, it appears that the issue persists, and I have yet to receive a satisfactory resolution. 

I initially brought this matter to your attention, and Unfortunately, I have not received any meaningful assistance or resolution. 

The impact of these fraudulent activities on my personal and financial well-being is significant, and the lack of prompt and effective action is causing me undue stress and inconvenience. I expect a company of your stature to prioritize the security and satisfaction of its customers. 

I kindly request the following actions be taken to address this matter promptly : Conduct a thorough investigation into the fraudulent activities associated with my account. 
Provide clear communication on the progress of the investigation and the steps being taken to resolve the issue. 
Take immediate action to rectify any unauthorized transactions and remove the fraudulent items from my account. 
Implement measures to enhance the security of my account and prevent future occurrences. 
I believe in the importance of maintaining a positive customer-business relationship, and I hope that this issue can be resolved amicably. I anticipate a swift response and resolution to this matter. 

If the necessary actions are not taken promptly, I may be forced to escalate this complaint to relevant consumer protection agencies and explore legal avenues to protect my rights and interests. I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance XXXX : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance XXXX XXXX {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance XXXX : {$0.00} XXXX XXXX XXXX XXXXXX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXXXXXX XXXX XXXXXXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023.
Consumer complaint received 2021-11-03
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Central States Recovery, Inc. (KS)

Central Recovery bought a medical debt that was already taken off my credit and reput it back on my credit reports without sending me any written notices before placing it back on my credit report, breaking the FCRA protocol. They also can not provide validation of this debt and refuse to remove it from my credit report, i was also told by one of their reps they have other debts that they haven't put on there, but will as well. I have no documentation of those either.
Consumer complaint received 2017-02-10
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: NAVY FEDERAL CREDIT UNION (TN)

Navy Federal Credit Union made several errors on my checking overdraft, the largest being in excess of THIRTY FIVE THOUSAND PERCENT. When brought to their attention they lazily dismissed it as " interest ''. 3500 % + Interest? REALLY??? I do n't think so. I asked them about it several times ; and they consistently gaffed me off. This is the type of service that I routinely get from their online support desk ; but this time we are discussing a CRITICAL SOFTWARE ERROR that is affecting at least XXXX active account. This is serious and is an unacceptable computer glitch that warrants a thorough investigation. They closed the ticket siting " interest '' again. I then opened another ticket requesting a supervisor call me ; they refused. This problem is XXXX that does not need to be ignored -- it could be affecting other people as well.
Consumer complaint received 2024-02-07
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. (NY)

I would like these inquires removed from my report. 
XXXX XX/XX/XXXX XXXX BANK XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-07-06
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 was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. CHAPTER XXXX BANKRUPTCY DISMISSED XXXX VCHAPTERXXXX BANKRUPTCY DISMISSED XXXX CHAPTERXXXX BANKRUPTCY DISMISSED XXXX
Consumer complaint received 2017-01-25
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: COMMUNITY CHOICE FINANCIAL, INC. (CA)

Checked my Checking account and noticed I had a credit for {$250.00} on the XX/XX/2017 and and a debit for {$290.00} on XX/XX/2017 from Cash Central LLC. I have never authorized any loan or was ever notified of authorization from either my bank or the lender. I contacted my bank and alerted them of the fraudulent activity as well as the XXXX major credit reporting agencies.
Consumer complaint received 2016-07-31
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (MO)

How do I get Bayview to leave me alone? 
With XXXX, I heard from them once a year with an escrow statement. Then they sold my mortgage & I 'm inundated with mailings & phone calls. 
From all the stress, I got confused & missed a payment. Efforts to make it up resulted in even more confusion & contradictions so I sought help from XXXX. 

Through the intercession of their housing counselor, arrangements were made & scheduled with my credit union. There 's XXXX left & then the XXXX payment will reportedly be about {$750.00}. 

The calls continue as well as constant mailings. They include registered letters to apply for help for which I know I do n't qualify. Without a car, it means needless trips to the post office. 

Is there any recourse or will this harassment be part of my future?
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2024-01-18
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: Experian Information Solutions Inc. (MO)

Within XXXX seconds of each other experian closed XXXX while still working on this complaint and yet once again ITS THE SAME PROBLEM which is Experian NOW has stolen almost XXXX months of on time never late payments to XXXX and refuse to give them back
Consumer complaint received 2024-01-18
Product: Credit reporting 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)

I have a XXXX XXXX Credit card and they continue to report this to my personal credit report not my business credit report. I would like for it to be removed from my personal credit and reported accurately to business credit.