davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-14
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. (TX)

Per the FCRA, as a federally protected consumer, I have rights to preserve the fair and accurate reporting of all accounts on my consumer report and Consumer File. I have disputed accounts that have been already removed because they were lawfully supposed to. I now see those back on my account. These are accounts of unvalidated and inaccurate reporting. These are also appearing without my consent, written instructions per 15 USC 1681b, nor was I notified in writing that they are reporting this information. This Consumer reporting agency is not in compliance with 15 USC et seq, nor 12 CFR Part 1022 - Fair Credit Reporting ( Regulation V ). I have instructed TRANSUNION to remove ALL Late payments, delinquencies, inquiries and ALL of the negative Items and reporting. They are reporting Income Charge-offs '' ( per the IRS ) on my report, and they are sharing late payments on accounts that fall under the authority of 15 USC 1666b where late payments are not to be reported. This is unacceptable.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

After reviewing my consumer reports, I noticed that I have numerous inquiries. I have been notified that my data has been compromised as a result of the XXXX data breach... I believe these inquiries are fraudulent and I am requested they be removed/deleted from my credit reports. The inquiries WITH MULTIPLE DATES are as followed : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ****TRANSUNION**** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-03-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

On XX/XX/XXXX I opened an account online and made an initial deposit of {$100.00}. I got confirmation emails and an email that my card was on it's way so I set up my paycheck to go in there as of this morning. However on XXXX when I attempted to log in online and failed I called Cust. Service and was transferred to fraud who explained they just needed to verify my identity in the branch with two forms of ID. I went into the branch and they told me my acct. was closed but I could open a new one. I told them I needed the first one opened because that was where my direct deposit had gone. They called their retail helpline and were told all I could do was open a new account. the retail help agent was rude and inappropriate, telling me I was lying about the {$100.00} deposit ( it posted to my other checking account on XX/XX/XXXX). I started crying at that point so I took my ID and went to the parking lot to try with customer service again. I spent over an hour on the phone explaining I needed that money for groceries and to pay my mortgage and no one could do anything but offer me a new account. No one can tell me why it was closed AFTER I called and was told I was fine ( one agent informed this was the timeframe ) I'm not sure why you guys thought I'd stay with you. with God as my witness I will never do business with your crooked company again and I will do everything in my power to make sure everyone I know doesn't either, everytime in the next two weeks I have to tell my family I can't afford something I'm going to tag you on XXXX and XXXX with the story of how you treated me.
Consumer complaint received 2022-07-19
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. (SC)

It has been discovered that you are not DISCARDING files when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm uploading this Complaint to assist with laying out a lawful response. In the event that you decide to not REMOVE the accompanying things written down below which are answering inappropriately because of fraud, I will hand my archives over to my lawyer to begin a lawful procedure. It's my goal to not seek after any legitimate activity so if it's not too much trouble, act in accordance with the law : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; US SM BUS ADMIN ODA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX SC
Consumer complaint received 2022-08-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Chime Financial Inc (TX)

I recently am going through identity theft and I am unable to recover my account with my check on it due to the my email address being hacked currently. XX/XX/2022, and they are still not giving me my information.
Consumer complaint received 2019-03-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (NJ)

Good Morning I have XXXX preferred master card Last XX/XX/XXXX They sent me promotional offer of No interest Till XX/XX/XXXX and Then 10.9 % interest So my interest supposed to be charge if i do not pay off before XXXX XXXX XXXX But instead They started charging interest from the day i used the promotion I have spoke to Two different Representative one on XXXX to XXXX  and again XXXX to XXXX On XXXX when i came to know they charging interest I paid off whole balance in one payment immediately Even after paying off whole balance Following month they charging interest and i have Auto pay setup it's already paid Both time they said we will look into it and get back to you in Two Business Days I do not think they have any Interest to resolve This Last time i spoke on XXXX XXXX I have told them if we can not resolve i will have to file Complaint They just ignored i have not heard till XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2022-07-19
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  Account XXXX XXXXXXXX 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.
Consumer complaint received 2024-02-14
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. (PA)

I need your help in serious matter involving my credit report. After reviewing my credit I realized that you are reporting damaging information to my name. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I see that this account has charge off status and yet there are multiple discrepancies incomplete and inaccurate credit reporting associated with this account. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given. I dont believe the status of this account is accurate I ask that this account is deleted due to multiple violations. 

Account reports different dates under date of last payment. 

highest balance is being inaccurately reported. 

Incomplete payment history Date of delinquency inaccurate Account opened reported as XXXX but payment history has a payment listed for XX/XX/2015 Please stop reporting this account due to FCRA noncompliance of an accurate data being furnished on my consumer report. This account is also in violation of 15 U.S. Code 1681i ( 5 ) as well as 15 U.S. Code 1681 ( e ) B, 15 U.S. Code 1681c
Consumer complaint received 2019-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (MO)

I have a settlement with Navient that I am repaying. I started this repayment in XX/XX/2018. Navient has cashed 2 of the 4 checks I have sent them. The account is still accruing interest, even though it is not supposed to because it is a settlement. They are now reporting delinquency to the credit bureaus, even though they have 2 checks I have sent them but they have not cashed them. I have attempted to contact them and no one knows how to put me in touch with the post default payment department. They have told me they will have someone get into touch with me and that has not happened.
Consumer complaint received 2019-03-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (OH)

I've been struggling with getting any information from XXXX on my loans now for the last 3 1/2 years. I've already filed a complaint with the DOE and they refused to assist. They have added XXXX to my loan balance in the last 3 years. The first was XXXX for XXXX when I submitted my annual certification 3 times, which I have proof, before they finally acknowledged receipt. Then again on XXXX, XXXX was added when I switched the IBR plan I was on at their suggestion. And XXXX, XXXX was added for no apparent reason. My interest rate is only 4.125 %. There is no way any of these numbers are correct. I have never seen an annual capitalized interest statement for my accounts in excess of XXXX to XXXX. At the rate they are adding erroneous amounts, I will never get to a point where I pay any principal. 

My loans are in repayment, no capitalized interest should be added to my balances. I asked repeatedly for an amortization schedule for my loans before I finally got an answer. 
I was told they are unable to provide any accurate amortization via email. I am at my wits end. I have made countless calls and emails and have gotten no where.
Consumer complaint received 2022-07-19
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. (SC)

It has been discovered that you are not DISCARDING files when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm uploading this Complaint to assist with laying out a lawful response. In the event that you decide to not REMOVE the accompanying things written down below which are answering inappropriately because of fraud, I will hand my archives over to my lawyer to begin a lawful procedure. It's my goal to not seek after any legitimate activity so if it's not too much trouble, act in accordance with the law : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; EQUIFAX MORTGAGE SERVI XXXX XXXX US SM BUS ADMIN ODA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-05-21
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Michael Wayne Investment (VA)

In   XXXX   I turned my car over for voluntary repossession  ro Michael Wayne Investments. Since then I had not heard anything from the company. I do n't know if the car was   auctioned and if the so what the balance was remaining if any. In,  XXXX  of   XXXX   the civil suit for the amount of  XXXX  in which at the times I disputed to the company in writing but the letter was unanswered. Now, they are garnishing my paycheck for over  XXXX  but I did n't receive anything in the mail about the garnishment only when my job informed that the money was going to be taken out.
Consumer complaint received 2024-02-14
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 am formally contesting any inaccurate or undocumented information found in my credit report. This includes unverified claims, which I challenge under the FCRA and the accepted STANDARD of metro 2 data field reporting. The alleged delinquency and inquiries lack factual proof, and it is inappropriate to report claims known or should be known to be unlawful. 
I hereby notify you to ensure the accuracy of all your claims, as mandated by the Metro 2 reporting standard. 

Listed below are the Personal Information that are being challenged Incorrect Also Known As : - XXXX XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX Incorrect DOB : - XXXX Incorrect Employers : XXXX XXXX XXXX ; XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-03-08
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. (FL)

I have several fraudulent inquiries and inaccuracies on my credit report : XXXX  FRAUD INQUIRIES : - XXXX - XX/XX/XXXX - XXXX XXXX XXXX - XX/XX/XXXX XXXX  INNACCURACIES : - Accounts Ever Late : 2 -  Time Since Negative : 1 year 3 month XXXX FRAUD ACCOUNTS : - XXXX - XXXX - XXXX XXXX - XXXX - XXXX XXXX XXXX - XXXX - XXXX/XXXX  - XXXX XXXX   Fraudulent Accounts : - XXXX - XXXX - XXXX XXXX - XXXX - XXXX/ XXXX XXXX - XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX/XXXX - XXXX XXXX FRAUD INQUIRIES XXXX - XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX  - XX/XX/XXXX Equifax Fraudulent Accounts : - XXXX XXXX - 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 2019-03-08
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. (FL)

I have several fraudulent inquiries and inaccuracies on my credit report : XXXX XXXX XXXXES : - XXXX - XX/XX/XXXX - XXXX XXXX XXXX - XX/XX/XXXX XXXX INNACCURACIES : - Accounts Ever Late : 2 - Time Since Negative : 1 year 3 month XXXX FRAUD ACCOUNTS : - XXXX - XXXX - XXXX XXXX - XXXX - DEPARTMENT OF EDU -  XXXX - XXXX - XXXX Transunion Fraudulent Accounts : - XXXX - XXXX - XXXX XXXX - XXXX - XXXX/ XXXX XXXX - XXXX - DEPARTMENT OF EDU - XXXX - XXXX  - XXXX Transunion FRAUD INQUIRIES XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX   - XX/XX/XXXX XXXX Fraudulent Accounts : - XXXX XXXX - XXXX - XXXX XXXX - XXXX - XXXX XXXX XXXX XXXX - XXXX/ XXXX XXXX - XXXX - DEPARTMENT OF EDU - XXXX - DEPARTMENT OF EDU/XXXX - XXXX - XXXX - XXXX
Consumer complaint received 2022-07-19
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. (SC)

It has been discovered that you are not DISCARDING files when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm uploading this Complaint to assist with laying out a lawful response. In the event that you decide to not REMOVE the accompanying things written down below which are answering inappropriately because of fraud, I will hand my archives over to my lawyer to begin a lawful procedure. It's my goal to not seek after any legitimate activity so if it's not too much trouble, act in accordance with the law : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-19
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. (MD)

In accordance with the Fair Credit Reporting Act XXXX account # 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.
Consumer complaint received 2022-07-19
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 account # 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.
Consumer complaint received 2022-08-09
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. (IL)

The following companies made unauthorized inquiries on my personal credit report. I listed below the names and the dates of inquiries were made. Since I did not authorize these companies to obtain my credit report, I demand that these inquiries be deleted as soon as possible and my credit score be adjusted accordingly : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-10-08
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (MS)

on XX/XX/2021, i sent NATIONAL CREDIT SYSTEMS , INC a letter about an alleged debt of XXXX that I don't owe.this is an inaccurate item and should be removed from my credit report. national credit systems , inc sent me a document in the mail claiming that i owe a debt on XX/XX/2021, i sent them a letter requesting the validity of the alleged debt of {$920.00}. they have violated my rights as a consumer. Pursuant to the FDCPA specifically 15 USC 1692g, it states ; Within 5 days after the initial communication with a consumer in connection with the collection of any debt, a debt collector SHALL unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing. ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed, ( 3 ) a statement that unless the consumer, within 30 days, after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within 30 day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt and ( 5 ) a statement that, upon the consumer 's request within the 30 day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor, NATIONAL CREDIT SYSTEMS has failed 3-5 and therefore, is in violation of the law. not only did they not include it in the initial communication, they failed to send it within 5 days.As you can see the date was XXXX and today is XXXXattached is the letter i sent to them about the alleged debt and i haven't heard from them as of yet.
Consumer complaint received 2022-07-19
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Chime Financial Inc (TX)

If you want the emails of the customer service ones I have from trying saying that they were going to help me and fix my stuff and do this and that I have some of those and I've been trying to do this for 2 years cuz they can pull my account up I make over {$500.00} a week direct deposit and 2 years my chime has not gotten over a hundred dollar spot me limit it won't raise me and they figured out that there's a glitch in their program a very serious glitch in their program on their {$200.00} deal that they're advertising right now so there's probably going to be a bunch of Americans that are going to get screwed I'd like this to get out because I've been getting screwed for 2 years and then saying they're going to help me and never do
Consumer complaint received 2021-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (CA)

Please review my two documents attached. These accounts should have a XXXX balance because they were paid off. XXXX, Synchrony show that the account was closed with a balance due where the negotiated amount was paid in full and the balance was subject to a 1099. These derogatory disclosures are ruining my opportunity to purchase a home. Lenders will not work with me until this is fixed. I am attaching a Letter in Good Standing provided by my Federal Debt Relief Program as well as a snapshot of what is on my current credit report. The accounts listed should be in good standing with Synchrony and XXXX with a XXXX balance paid in full. 

I appreciate your time and helping me with this.