davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-31
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. (CA)

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC 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. Please delete the accounts : XXXX XXXX XXXX date Opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX Opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}
Consumer complaint received 2023-03-31
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. (AR)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items :
Consumer complaint received 2023-01-26
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I submitted a complaint with the CFPB on XXXX, about several companies that have violated my rights on my Equifax consumer report : XXXX XXXX XXXX XXXX  XXXX XXXX : XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX Equifax responded on XXXX, they are still working on my issue. Equifax responded again on XXXX, they initiated an investigation with companies to verify information in the dispute. It is now XXXX and I never received any response about the investigation results. Section 611 ( a ) ( 5 ) says Equifax has 30 days to investigate disputes and if needed a 15 day extension. If Equifax can not verify information within this time period all disputed items must be deleted from my consumer report. 
Below is dispute from XXXX : In accordance to the Fair Credit Reporting Act These companies have violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 2022-09-05
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. (GA)

XXXX To : ( transunion, XXXX, XXXX ) Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX NA Account # XXXX CREDIT XXXX XXXX XXXX Account # XXXX XXXX XXXX  XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX : ( XXXX XXXX XXXX XXXX. XXXX XXXX, Ga XXXX ) Dear Consumer finance protection Bureau & trans Union and XXXX and XXXX Pursuant to the FCRA & the FDCPAI now exercise my lawful right to question the validity of this debt your agency claims has come due. 
Fair Credit Reporting Act 609 Disclosures to consumers : ( c ) ( 2 ) ( E ) : A consumer reporting agency is not required to remove accurate derogatory information from a consumer 's file, unless the information is outdated under section 605 or can not be verified. 
Fair Credit Reporting Act 611 ( a ) 1 ( A ) Procedure in case of disputed accuracy : ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
Fair Debt Collection Practices Act Section 809. Validation of debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection
Consumer complaint received 2023-02-08
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I sent a letter to Experian, XXXX, and XXXX to investigate my accounts. It has been over 30 days. These consumer reporting agencies are in violation. 
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 an 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 or 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-09-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

XXXX XXXX of Citizens Bank is in my opinion presiding over yet again another incompetent, terrible graphics, and now theft/diversion of more than {$8000.00} that we have credit card swiped from our law firm clients since at least XX/XX/2022 which has still not yet hit out checking account at Citizens Bank XXXX To make matters worse we have been sending him queries/complaints for a week now and he does not even respond to us. We need our money now, urgently, for employee payroll, rent, insurance, bills, and other exigent costs of doing small business. We have had many problems with XXXX XXXX ( aka XXXX before, check your records/our previous complaints as they might be illegally and further retaliating against us for filing bona fide and legitimate previous complaints ). Not only this, but we are also locked out of our accessmyiq.com account so we can not even look at our credit card data and reports for weeks, and they ( XXXX ) will not respond to us, either. Please urgently investigate, assist, and advise.
Consumer complaint received 2024-10-23
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: JPMORGAN CHASE & CO. (TX)

In XXXX, I received numerous notifications from XXXX XXXX informing me that my credit had been ran by several businesses for auto finance. I did not request or complete any documentation for this. All of the inquires are below with dates. 

XX/XX/scrub>XXXX XXXX XXXXXXXX JPMCB Auto Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-12-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: TRUIST FINANCIAL CORPORATION (NC)

I filed a complaint about Truist refusal to use the information provided to them from my tax and insurance statements mailed to them instead of continuously underestimating the escrow for taxes and insurance in order to increase the amount of my mortgage payment. They readjusted the payment amount after the complaint but have now restarted underestimating the escrow again. My payment per month has increased {$200.00} a month. 
This month when I sent the payment in, I included an extra payment of {$200.00} on the escrow. Even though I have used the online payment for years and only have 1 account for them to draft from, they are now saying that I used a closed account and are charging me {$35.00} insufficient funds for the mortgage and the escrow payments. This payment source is the same one I have used for years. I contacted the XXXX XXXX XXXX XXXX and they informed me that Truist did not draft the account.
Consumer complaint received 2022-11-21
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)

I was a victim of identity theft last year. There is a collection account showing on my credit profile under the name XXXX XXXX  with account number XXXX. It says the original creditor was XXXX XXXX XXXX. I have no knowledge of this account and it is NOT mine. I have filed the appropriate paperwork for the identity theft and I demand this account be removed ASAP!
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$980.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$780.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance Owed : {$980.00}
Consumer complaint received 2022-11-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (IL)

I have called my new student provider Aidvantage, to correct my monthly payment now that my loans were transferred to them from XXXX. I keep getting letters that my monthly loan payment is ~ {$1500.00} however they keep failing to add my wife 's loans which brings my payment to ~ {$1200.00}. I have called several times to get this corrected ( three times between end of XXXX and XX/XX/2022 ) and I keep getting told all is fixed but then get the same letter with the incorrect payment. 

I would like this to finally be corrected, but better yet, feel that if Aidvantage can not get this right, there are probably many other cases like mine out there. This leads me to believe Aidvantage is not prepared or well equipped to handle/service student loan payments. 

I don't know what else to do considering payments restart in a two months and am afraid they will not get it right and it will set us back financially. 

I was told it was the Department of Education because they keep saying she does not have loans. As you can see in the letters attached, I have been given many monthly payments from ~ {$990.00} t0 ~ {$3500.00}.
Consumer complaint received 2024-08-29
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. (AR)

In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed.
Consumer complaint received 2022-10-14
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Minto Financial dba Minto Money (GA)

XX/XX/2022 : The company charged a total of XXXX for a XXXX loan with a 753 % interest rate. After talking to a financial advisor, the advisor stated to negotiate my rate with the lender since this rate is illegal in Georgia. Called the company to discuss the rate. The company would not change the rate of the loan and stated that they are legal in Georgia. Provided the company with this link : https : //dbf.georgia.gov/payday-lending The company stated they will call back on Monday to discuss rates once the first payment is cleared. The company disconnected the call.
Consumer complaint received 2022-09-13
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. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I appreciate your time to REMOVED some of the information in my file that resulted from an alleged identity theft but I have an account left that need to be removed or Block. Per FCRA section 605 you are required to remove any account listed on ID THEFT REPORT # XXXX. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXX XXXX Date Opened : XX/XX/2018 Balance : {$10000.00}
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NJ)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. XXXX XXXX Balanced {$0.00} XXXX XXXX Balanced {$0.00}
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-02
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. (TN)

I went to the car dealership to buy a new car and while running my credit. There were hard inquiries I did not do, please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX under the Fair Credit Reporting Act 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 an account without my written instructions
Consumer complaint received 2022-10-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC (TX)

I received a letter from SPRING OAKS CAPITAL LLC stating that they are a debt collector and they are trying to collect a debt that I allegedly owe to XXXX and that they will use any information I give them to help collect the alleged debt. I am not sure how these companies got my information, because I did not give it to them. This is fraud and identity theft. I did not give these companies permissible purpose or any other authorization to have, use, buy or sell my personal information. I am being preyed upon by this organization and it is trying to extort me. I sent this company a debt validation and cease and desist letter to which they did not respond. This company has damaged my credit and defamed my character. I do no not owe this company. I have a right to privacy and this company has violated my rights. They have reported this inaccurate erroneous information to the credit reporting agencies which has caused me to be denied for credit on multiple occasions. This account is listed on my credit report as an open collection as of XX/XX/2022.
Consumer complaint received 2022-10-14
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Absolute Resolutions Corp. (IL)

I received a collection call on XXXX XXXX, 2021 from XXXX XXXX XXXX on behalf of Absolute Resolutions Corporation, also known as Absolute Resolutions Investments LLC, in violation of the " cease and desist letter '' that I sent to Absolute Resolutions Investments LLC on XXXX XXXX, 2021. I sent this " cease and desist '' letter by certified mail return receipt and they received my letter on XXXX, 2021. The return receipt was signed by XXXX XXXXXXXX. 

Absolute Resolutions Corporation is ignoring my " cease and desist '' letter by continuing to use different collection agencies to contact me regarding a debt that I do not owe and that is beyond the statute of limitations. 

I want Absolute Resolutions Corporation to comply with my " cease and desist '' letter as is required by the Fair Debt Collections Practices Act ( FDCPA ).
Consumer complaint received 2022-10-23
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: Experian Information Solutions Inc. (FL)

The following accounts I have listed below XXXX XXXX  XXXX XXXX OF XXXX My rights have been violated in accordance with the Fair Credit Reporting Act. 

15USC 1681 SECTION 602 A. States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 2023-04-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CLGF Holdco 1, LLC (FL)

Open date XX/XX/XXXXXXXX XXXX  Closed date XX/XX/XXXX Cb indigo credit card I payed off card amount account is still under collection request for it the item to be removed. Been more then 30 day since I payed off
Consumer complaint received 2022-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: Experian Information Solutions Inc. (MI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ] [ all 3 credit bureaus ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reason : [ 3 UNWANTED INQUIRY NEED THEM REMOVE. ] By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

Sincerely, XXXX
Consumer complaint received 2022-10-23
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: ENCORE CAPITAL GROUP INC. (GA)

XXXX XXXX XXXX, Account number ( XXXX, Account type : Auto Loan, Midland Credit Management Account number ( XXXX Account type : Debt Buyer, Has violated my rights according to article ( 15 U.S.C 1681 section 602 A. ) states very clearly that I have the right to privacy ( 15 U.S.C 1681 section 604 A. ) also states ( A consumer reporting Agency can not furnish an account without my writing instructions. And article ( 15 U.S.C 1681 c. ( a ) ( 5 ) section states no consumer reporting agency may make any consumer reports containing any of the following items of information as well as any other adverse items of information, other than convictions of crimes which antedates the report by more than seven years. As well as article ( 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..