davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-10
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. (LA)

XXXX, XXXX is the balance but original balance was XXXX They sent me a alert but report is still not correct, Experian has ensured me that the information has been certified correct and accurate. But that information still contains A disconnected non working telephone in which their is no new number at this time according to the recording when get when you call the number on the telephone that is on my credit file. Now according to the law everything must be accurate or it must be removed and they certified this as a reinvestigation. Not the mention they also certified that XXXX also that their information was accurate also but am not believing it. After what they did for the first one I cant believe anything they said. At this point I wan na know who and how they verified the information. Who do they talk to where did they get the information from, what was their source? Did just pull it out the air.
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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

There is a new inquiry from XXXX XXXX on XX/XX/2022. The one on XX/XX/2022 was authorized and resulted in an account opening. The one from XX/XX/2022 is unauthorized and was unlawfully performed. 

XXXXXXXX XXXX  Location XXXXXXXX XXXX XXXX XXXXXXXX XXXX, MN XXXX Inquiry Type Individual Requested On XX/XX/2022, XX/XX/2022 Phone ( XXXX ) XXXX
Consumer complaint received 2024-09-19
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)

I am writing to formally follow up on a dispute I filed regarding the accuracy of information on my credit report. The dispute investigation was completed on XX/XX/year>, yet to date, I have not received a description of how the investigation was conducted, including the procedures used to verify the accuracy of the information in question. 

This is my second attempt to obtain this crucial information. According to the Fair Credit Reporting Act, specifically 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ), I am entitled to a description of the procedure used during the investigation, including how and from whom the information was obtained. Failure to provide this information within the legally mandated time frame violates my rights under the law. 

I kindly request that you provide a detailed description of the investigation as required, including how the information was verified. Please consider this a formal demand to comply with your obligations under the Fair Credit Reporting Act. If you fail to respond adequately, I will be forced to escalate this matter by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and/or pursue legal action. 

As this is my second attempt to obtain this information, I kindly ask for an immediate response that complies with the FCRAs requirements. If XXXX is unable to provide a complete description of the investigation process, I demand that this disputed account be permanently deleted immediately from my credit report in accordance with my rights under the FCRA. This is a violation of consumer law.
Consumer complaint received 2024-09-19
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. (GA)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2022-07-15
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: TMX Finance LLC (NM)

Ive payed over XXXX for a XXXX loan in almost 3 years & theyre saying I still owe more and I cant afford this anymore its hurting me so much financially! Came to a settlement & later was told that there is no settlement & that there is still a balance!
Consumer complaint received 2022-10-15
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: U.S. BANCORP (OK)

XXXX XXXX alerted me of a past due and I researched my report and did not recognize the company nor have an account with Elan. After calling 3 different numbers with capital credit was provided a number to Elan Credit. 

Spen 58 minutes and finally spoke to a male XXXX XXXX who advised my Acct had been converted/ conversion from a card Connexus. I explained that I received no phone calls, statement or emails. I then Asked what address and phone and was provided with my home address and a incorrect phone and email. I then asked about my ACH that had been taking from my bank Acct and he had no record. 
He could not provide me with full credit card number due to the conversion and only the last 4. 
He advised to pay the amount due {$82.00} and he would get with his mgr about correction to my credit report. I then elected to pay the balance in full, and afterwards in the call was advised I would have to call another number to discuss. I called the number and advised to write a letter and reference the account number Which they couldnt provide. Therefore I could not send a complaint without the completed card number. 
I filed a dispute with XXXX XXXX and XXXX they advised Elan would not be changing the credit report and no explanation provided. 
I have been erroneously reported as delinquent when Elan failed to advised of the company taking over and did not admit they had incorrectly reported derogatory information. They failed to provide contact information and limited me from trying to correct when they could not give me the full account number to file the complaint. Conversion or not, this company failed to inform and made a promise that they would correct, when I paid the account off.
Consumer complaint received 2022-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America reported I was overdue in payment, and reported as late payment. 
Actually, its about an autopay failure because when I changed my bank details after closing the old bank account, I was guided by Bank of America customer care how to do it. It turned out that the autopay set up with customer care wouldnt cover the first payment due under the new bank account which, if I was advised, I could have the next payment coming due. 
So I called Bank of America and was told the reason, All my credit card accounts are set up for autopay for XXXX statement balance because XXXX XXXX and want to avoid this kind of problem. 
I called Bank of America again today and was reassured theyd correct the problem with credit bureau.
Consumer complaint received 2022-12-12
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. (NV)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 Credit Bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX Balance : {$4800.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$160.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2024-09-19
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. (DE)

Please block this information from my credit report within four business days pursuant to section 605C the Fair Credit Reporting Act. Please send me a notification the actions taken. I appreciate your prompt swift attention to this important matter. Thanks, XXXX XXXX
Consumer complaint received 2022-11-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

The Credit Bureaus are aware that there has been unauthorized activity using my credit profile. I have issued fraud alerts with all 3 Bureaus to ensure that proper verification is used when applying for credit. I have disputed these inquiries with the Credit Bureaus and the creditor grantors. XXXX sent back written response explaining that all inquiries are a matter of fact and will remain to affect my credit report for 2 years ( see attachment 's ). I have submitted a complaint with the Federal Trade commission Claim number XXXX ( see attachment ). These inquiries are unauthorized without permissible purpose I want these hard inquiries removed from my consumer profile immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-03
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. (NJ)

After sending an initial dispute letter to Experian and the creditor reporting this alleged debt, they failed to provide me with any documentation that verifies this alleged debt. They responded verified but how can a debt belong to me if me and the creditor reporting this account never had any contracts or agreements? Why can't they provide any receipts? The unlawfully reporting account is negatively impacting my credit score. I asked the creditor to cease all communications with me in which by definition, reporting this account to my consumer report is a form of communication. They're still contacting me nonstop after asking them to stop contacting me unless they're providing me any documentation asked. I never gave them the consent to obtain my personal information nor did I give them consent. to report anything to my consumer report. I believe that by Experian not properly sending me the documentation asked is a failure to be compliant with the laws that they agreed to abide by. Included in my complaint is a copy of my initial dispute letter and a new dispute letter asking for a reinvestigation. Violations committed by Experian and the creditor reporting this account : 15 U.S. Code 1692g - Validation of debts, 15 U.S. Code 1692c - Communication in connection with debt collection, 15 U.S. Code 1692e - False or misleading representations.
Consumer complaint received 2024-12-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC. (MD)

1. We emailed SPS on XX/XX/XXXX, XXXX, XXXX and XX/XX/year> XXXX. We called SPS multiple times since XX/XX/XXXX to XX/XX/year> 2. We sent mail to SPS on XX/XX/XXXX with tracking numbers XXXX XXXX XXXX XXXX XXXX XXXX 3. We faxed letter to SPS on XX/XX/year> XXXX
Consumer complaint received 2022-10-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (PA)

I am a borrower from the XXXX student loan program that was shut down in 2010. And I have been making payments on my loan since XXXX. My loans are managed by Navient. Due to the lack of information provided at the launch of the Federal Student Debt Relief Program last XXXX, I sought out information about qualifying myself. I contacted both the Department of Education and Navient. 

At that time, I was told I had an option to consolidate to Direct Loans, but that was a high risk. I was feeling unsure about taking the risks of a higher interest rate and other long-term repercussions of that consolidation. Commercially run XXXX loans were a gray area at that time and I thought it best to await further information to make a more informed decision. Only to then receive an email on XX/XX/XXXX that I missed a deadline that was not established until the deadline was crossed. Only those who had consolidated PRIOR to XX/XX/XXXX were going to eligible for relief and those of us with loans that are legitimately federal would be now be excluded. As if we were to predict the future. I would like to further more state that there is zero control given to the consumer regarding what entity takes on your loans. A Federal loan is still a federal loan. 

This is affecting millions of honest, hardworking Americans that have been paying off loans for decades and accruing interest from predatory banks. It is not right to exclude us from relief because who is in control of our loans. We had no say over that. And those of us who proceeded with caution are also being put out and the way we were informed was, quite frankly, a slap in the face. Having a degree in higher education should not mean you have a federal burden for most of your adult life. We contribute to society, we are parents, homeowners, and community members. Education is a right not a privilege. Granting us the freedom from loan payments would positively impact my family and millions of others. 

Please consider including the commercially owned XXXX borrowers in President BideXXXX 's plan. We have paid enough.
Consumer complaint received 2024-10-23
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. (CA)

While reviewing my Identity IQ credit report, I noticed errors related to the address section. Specifically, there is an address listed that I have never resided at. I kindly request that you promptly investigate this matter and update or remove any incorrect address from my credit 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 XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-26
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. (CA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2022-07-13
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. (GA)

I have been submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Regardless,, of several requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiry listed below XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-10-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

someone hack my checking account and transfer money by XXXX and also requested a balance transfer and did online shopping. Even my phone number, Driving license, and email address hack. I try to contact the bank and they are investigating all my case files and changing my account and debit card but still, I am in danger of an information hack. I like help from you guys to avoid hacking my information further.
Consumer complaint received 2022-12-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (MI)

I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC
Consumer complaint received 2022-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

ACCOUNT # XXXX XXXX # XXXX I was in a collision very shortly after leasing the XXXX XXXX, which was ruled a total loss. My auto insurance carrier XXXX, sent paymentXXXX for {$28000.00}, and there was still a balance of approx. $ XXXX that the GAP coverage was supposed to cover. 
I called XXXX over a dozen times and was told by every single representative that I do not have to make payments even though your website was still indicating that I had payments due, late, upcoming, etc. The XXXX XXXX XXXX would continuously tell me they were waiting for my GAP coverage payment to be sent from the dealership then I finally got the dealership to help me and they determined that was incorrect because it was a lease that the GAP coverage was to come from the leasing company. 
All I know is I was told on every phone call that should be recorded not required to make payments other than my {$500.00} insurance deductible, which I did. Today my XXXX XXXX dropped XXXX points in one day because the credit bureaus were reported to by XXXX that I am late payments. The credit and payment were all supposed to be " Suppressed '' as per XXXX XXXX XXXX. 
PLEASE IMMEDIATELY FIX THIS! I DO NOT OWE XXXX ANY MORE MONEY, AND ALSO MY CREDIT MUST BE UPDATED AND FIXED SO THAT IT REFLECTS I HAVE NEVER MISSED A PAYMENT. ALSO, CLOSE THIS ACCOUNT PERMANENTLY, FINALLY. My credit is very important at this very moment for my student loans are contingent upon them right now.
Consumer complaint received 2022-10-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (GA)

On XX/XX/XXXX my bank account was scammed by a payday loan company l found online which was fake.He received my account information from me putting my application in online and made fake claims on my account in one day l was not notified by fraud department or chase for suspicious activity.They credit my account with funds which he made claims from.They didn't credit me for money he took they making me pay XXXX back from the credit they sent to my account for the claims. I been explaining for 2 months what happened took in evidence l was scammed they refused my paperwork and declined my actions.l want to do a investigating because the scammer were calling me from chase bank phone number and different numbers and they let him do 7 claims on my account in one day.