davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-16
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. (TX)

Hello, please see attached Supporting documents for fraudulent inquiries and accounts that dont benefit nor was it authorized. I mailed XXXX, Experian and XXXX a ftc as stated on their website along with proof of residence and identity but yet they ignored my request. I was advised account will be removed within 4 business days.
Consumer complaint received 2023-09-06
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NY)

According to Navients data I obtained, since XXXX ( until today ) all my payments are being processed as interest only. Before this year, just less of {$200.00} was going to principal. This is about 4 ish years of principal payments not accounted for. This means Im paying MORE interest. Especially since interest rates have dramatically gone up since XXXX. I currently have a variable rate loan with Navient. 

I opened this loan in XXXX through XXXX XXXX. Since then and based off of Navients data I estimate that I paid over $ XXXX on this original $ XXXX loan. Today they claim I still owe $ XXXX and my loan will allegedly be paid off in XXXX. How can that be when all the money since XXXX is going towards interest only?
Consumer complaint received 2024-02-12
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. (FL)

In the preceding two months, l 've made repeated requests to TransUnion for a thorough investigation into two particular accounts, and regrettably, they have failed to fulfill their responsibilities. Despite my efforts in highlighting numerous inaccuracies, their response remains a mere assertion of Meeting FDCPA requirements. Consequently, l am now involving the Consumer Financial Protection Bureau ( CFPB ) to compel Transunion to meet its obligation by conducting a thorough examination into this matter. Supporting documentation is attached to this complaint to support my claim! I want to personally thank CFPB for holding companies like TransUnion accountable for their actions and their policies to report only accurate information!
Consumer complaint received 2022-07-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Please see attached Identify theft report, I have consistently disputed fraudulent accounts that are results from identity theft on my credit profile. 
All 3 credit bureaus have ignored my verified claims and are unlawfully and illegally reporting fraudulent accounts on my credit profile.
Consumer complaint received 2024-02-12
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. (CA)

All companies that are reporting to my consumer report are continuing to report nonpublic information to my credit report. I have already sent each company opt out letters which stated that I am opting out of anything being reported to my credit report that I do not agree to have reported. According to the FCRA and the Privacy of 1974, I have the right to make sure my PRIVATE information isn't shared with any credit reporting agency or its affiliates. I have never given them written, non-verbal, verbal or implied consent to report any of my nonpublic information to the Consumer Reporting agencies. 15 UCS 6802 states that A financial institution may not disclose nonpublic information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. I was never informed of my right to exercise my nondisclosure option. I've also sent letters to XXXX, XXXX and Transunion and revoked any consent to furnish any information to my consumer report that I do not agree to have furnished. According to 12 CFR 1022.3, the definition of Identity theft, which means a fraud committed or attempted by using the identifying information of another person without their AUTHORITY, this matter could also be identified as IDENTITY THEFT because i never gave them any authority to do so. There reporting has severely impacted my credit score and I would like to be fully compensated for this.
Consumer complaint received 2023-07-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Branch Messenger, Inc. (CA)

My card was stolen and a bunch of unauthorized transactions occurred and I was trying to keep my money in that account to save. Ive already filed a complaint about this issue and the company said theyd look into it. Ive filed the unauthorized transactions on time and they told me they filed the dispute successfully and I emailed them again and they got back to me saying they cant do anything about it and I didnt file dispute on time. I just need my money back.
Consumer complaint received 2023-07-26
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. (VA)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, Equifax, and XXXX are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below :
Consumer complaint received 2024-02-12
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I insist on the removal of this late payment from my account, as it inaccurately portrays my payment history. I have consistently adhered to making timely payments, and it is unjust to be burdened with this erroneous entry. I urge you to take immediate action to update my account accordingly.
Consumer complaint received 2022-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MD)

Hi according to my recent credit report I have find several inaccuracies including wrong name and addresses which are not correct. also figured out some wrong employer name : XXXX  XXXX XXXX, self employed Enclosed please find proof of my residence address, please remove the address of as it is inaccurate and I am concerned that this inaccurate address may create an opportunity for identity theft.
Consumer complaint received 2022-08-08
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

A credit card was opened in my name on XX/XX/2022 from Bank of America. I called on XX/XX/2022 when I noticed my credit score had dropped due to hard inquiry in my name.I was told I could close the account because I did not authorize or apply for the card, so I did. I have a XXXX point due to this fraudulent account. I need to get this removed and to no longer receive mail from Bank of America.
Consumer complaint received 2022-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX XXXX XXXX XXXX - All 3 bureaus continue to report information verified as accurate for this card when they continue to report a 60 and 90 day late payment without the account ever having a 30 day late payment.

As a result of the continued generic response I keep getting I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my dispute. I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to at as part of this investigation. I would also request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter.
Consumer complaint received 2022-07-16
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. (MD)

In accordance with the Fair Credit Reporting act XXXX XXXX  # XXXX, has violated my rights. 

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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2020-05-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

On XX/XX/2020, I mailed a request to TransUnion LLC, informing them that I had recently been informed that there is a Bankruptcy Chapter XXXX in the file TransUnion maintains under my Social Security Number. Upon ordering a copy of my credit report, I see an entry listing Bankruptcy Chapter # XXXX. 

I contacted the Bankruptcy Court and they stated that they do not report to nor verify information from credit bureaus. 

According to FCRA 623 ( a ) ( 5 ), if the credit bureau can not VALIDATE the information, they must remove said information from the consumer credit file. 

TransUnion notified me that they verified the information and has not removed the information, from my file.
Consumer complaint received 2024-02-12
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. (NY)

I've been disputing this since at least XXXX of XXXX with TransUnion. I have sent out letters via certified mail to first, ask if the debt was mine. Second, I asked TransUnion to verify the accuracy of the information in accordance with the FCRA, Section 611 A through D. I asked for TransUnion to delete anything that is not 100 % accurate. I then shared that inconsistencies were reported between the XXXX bureaus and listed them inside the mailed letter. The date of the last activity was incorrect, and I pointed out the mistakes to be deleted. It's worth mentioning that when I disputed the inaccuracies with both XXXX and XXXX, they were removed from my credit report as what was reported was not 100 % accurate. I then disputed online twice with TransUnion on XX/XX/XXXX and XX/XX/XXXX. The XX/XX/XXXX dispute returned results as information getting updated.The XX/XX/XXXX dispute returned results that shared the information will be deleted from the report. When I asked TransUnion when I can expect this to fall off my credit report, they shared with me that the only way for it to come off my credit report, despite winning the dispute is A letterheaded document from the servicer/debt holder that shares that the information can be deleted from my report, mentioning all the accounts, name of acct, date was opened, and partial acct numbers. With this, I reached out to XXXX XXXX  XXXX as that's what is shared on my credit report. XXXX shared that the debt was transferred to XXXX, hence having it paid in full, and closed. These were reasons I shared in my dispute that XXXX was able to corroborate. They then shared they were going to file a dispute on my behalf and shared that I need to speak with XXXX  to see if they can get it removed from my credit report. I spoke with XXXX and they shared they informed TransUnion in XXXX that they are now the debt holders of my XXXX  loans but since the adverse information on my report didn't originate from them, they are unable to do anything about it. The timeline they shared in which it should've been updated to accurately reflect on my credit report was 60-90 days, and 2 years later, it is still reporting negatively on my report- despite having an investigation result share that it would get deleted. Despite the other bureaus removing it from my report since it didn't report accurately across all the bureaus. Even how it's currently reporting is inaccurate, which also shares that an investigation never happened as XXXX is the holder.
Consumer complaint received 2021-01-22
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (MO)

On XX/XX/XXXX of Mr Cooper I logged on to make my mortgage payment and my account reflected that my house payment increased to {$1700.00} due XX/XX/XXXX. My mortgage payments were {$1000.00} so it increased by {$610.00}. I immediately contacted Mr Cooper and was told that due to an escrow shortage in the amount of {$6200.00} caused by previous loan servicer XXXX XXXX XXXX XXXX not charging enough money for my insurance this shortage has now " caught up '' with my mortgage. I do not understand this shortage as the loan was transferred from XXXX XXXX to NationStar Mortgage XXXX XXXX Mr Cooper XXXX on XX/XX/XXXX and response from XXXX XXXX is that my loan was in good standing on the date of the transfer with {$1100.00} in my escrow account. I am now struggling to pay these mortgage payments and request full disclosure on what Mr Cooper says is the cause as insurance was not due at the time this loan was transferred and insurance would have been the responsibility of Mr Cooper. I've not been notified that I had an escrow shortage nor that my payments would go up as I only discovered this when I logged online to make my monthly payment. I have inquired via email several times to Mr Cooper and have not received a written response to this issue as I only have notes I took during my phone conversation on XX/XX/XXXX as to the reason for this increase.
Consumer complaint received 2018-03-15
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: I.C. System, Inc. (SC)

Back in the mont of XXXX I received a collection letter from I.C. System giving me 30 days to respond or they would assume that the debt was mine. Prior to them sending me that letter I had no recollection of said account. I wrote to them within the time frame advising this debt was not a debt made by me. I will enclose a copy of the signed certified mail with receipt by the one of the company 's responsible parties. After receiving my written response to the collection letter they still insisted on putting this debt on my credit report, it appeared on my credit report this month on XX/XX/2018. Today I called and when the caller got on the phone she advised me that the call would be monitored, I advised her I was recording my call as well she said that she was not cool with it and she hung up. I called back and got XXXX XXXX on the phone and advised her of the same thing, and she said that she was fine with that so we continued the conversation. I asked her why after I had written contact with them did they still after only 6 days put that derogatory account on my credit reports? She stated she didn't have anything showing that I had written in and I advised her that I had a copy of someone's signature. She then said that their company didn't have any original documentation of proof in their office I would have to contact XXXX directly. I then asked her after receiving the letter why didn't you guys put a temporary hold on this account before just rushing to send it over to the credit bureau. She then stated once more that there was no contact made by me or a letter sent. She started being very rude and told me they don't handle disputes they don't verify information that is all something that the original creditor does. I asked her well if you guys can't verify it then why just put it on someone's credit file. She told me " Look, as I told you before you don't need to be calling my company what you need to be doing is calling XXXX '' We are not the ones that you need to speaking to, you need to be speaking to them and then she hung up. I also contacted XXXX and they told me that I needed to know some password, which I don't know because I didn't make the account. after talking with her she just directed me to contact the collection agency.
Consumer complaint received 2024-02-12
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. (FL)

I am reaching out in regards to a XXXX XXXX XXXX XXXX account that is on my report being reported by TransUnion, XXXX, XXXX inaccurately & without my consent or authorization. which is a violation of the FCRA & Privacy Act Of 1974 under codes to name a few 15 USC 1681 & 15 USC 6802 ( b ). I also never gave the authorization for my non-public personal information to be shared & I have the right to opt out at anytime under codes 15 USC 6802 & 16 CFR 313.7 subsection ( f ). I have already reached out to XXXX XXXX XXXX XXXX in regards to this situation expressing how I never gave them the authorization to share my non-public personal with non-affiliates, TransUnion, XXXX XXXX XXXX are non-affiliate third parties, which shows violation. 
I am opting out of the XXXX XXXX  account as I never gave the authorization to be reported & it is being reported inaccurately I am confident that this issue would be fixed immediately due to the extreme inconvenience.
Consumer complaint received 2022-07-16
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RS Clark and Associates, Inc. (TX)

This amount is not owed as I could not be evicted for non payment of rent during the CDC State of Texas oder rent relief program due to Covid 19 I also don't have a contract with R S Clark I have asked for verification of debt which has not been provided by RS Clark and all methods used to verify this debt by RS Clark as this being accurate before they placed this on my credit report ... my last four of ss # is XXXX XXXX XXXX XXXX COMPANY IS RS CLARK And ASSOCIATES XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX
Consumer complaint received 2022-07-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: OLD NATIONAL BANCORP (IL)

After a merger with First Midwest, I have been unable to access my bank accounts online for a week. I have tried three separate times to contact client care, have waited a total of 8 hours on hold, and have never gotten through. I never received a new debit card or an email prior to the merger about a different login process and had no warning that my debit card ( which i just received this month from the previous banking company, first Midwest ) and am not reading on the website that I can not use my old debit card and I have no new one.
Consumer complaint received 2024-02-12
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. (NC)

Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for collections. I have tried numerous times to have this situation resolved with no resolutions.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Supreme Solutions (MN)

XX/XX/XXXX late payment report is incorrect, called creditor and spoke with a representative, I was told to dispute the late payment and that they would correct the issue with all 3 credit bureaus. 

XX/XX/XXXX - Followed up with supreme solutions ( creditor ) and was told the same information by a representative.
Consumer complaint received 2018-03-15
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: Santander Consumer USA Holdings Inc. (OH)

I believe my ex-boyfriend used my social security number to see if I can be a co-signer and at the time of the dates those are around the month I believe he was trying to purchase a car from XXXX XXXX XXXX.This was also around the time my bank information got out and I had gift cards charged to my bank account but that was resolved. My personal information was used without my consent. 
XXXX XXXX  XXXX XX/XX/2017 SANTANDER CONSUMER USA XX/XX/2017 XXXX   XXXX XXXX  XX/XX/2017 XXXX XXXX XX/XX/2017 XXXX XXXX XX/XX/2017 XXXX XXXX XXXX XX/XX/2017 I called each company and they all asked was I trying to purchase a car and I already have a car and they had me under another name but my social security number.
Consumer complaint received 2024-02-12
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. (NV)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.