davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-08
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 

1. Validate Account XXXX XXXX Bankruptcy Case Number : XXXX Please investigate and delete from my credit report. As per the Bankruptcy court they dont report to the credit bureaus.

2. Validate Account XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

3. The status is incorrect for the following account XXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

4. The status is incorrect for the following account XXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 



* Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 


Thank You, XXXX XXXX
Consumer complaint received 2023-05-18
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 submitted a complaint last XX/XX/2023 and the companies responded. Some got deleted but there are still fraudulent items on my credit report. I submitted a complain again last XX/XX/2023 and it was closed immediately. I am submitting a new complaint hoping that you will now assist me regarding my concerns because there are multiple fraudulent inquiries on my credit report. I have reached out to these credit bureaus and companies multiple times in regard to the fraudulent inquiries and they're still reporting on my credit report.
Consumer complaint received 2023-05-18
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following account has been paid but Transunion has been reported as follows : XXXX XXXX XXXX -ACCOUNT OPENED XXXXREPORTED AS COLLECTION UNPAID.XXXXACCOUNT NUMBERXXXXBALANCE-ACCOUNT OPENED XXXXREPORTED AS CHARGE OFF UNPAIDXXXX XXXXACCOUNT XXXX XXXX XXXXACCOUNT OPENED ONXXXXREPORTED AS COLLECTION UNPAID.XXXX XXXX XXXXACCOUNT NUMBERXXXXBALANCE $ XXXXACCOUNT OPENED XXXXREPORTED AS CHARGE OFF UNPAID.DISCOVER BANKACCOUNT NUMBERXXXXBALANCE $ XXXXACCOUNT OPENED ONXXXXREPORTED AS CHARGE OFF UNPAID.XXXX XXXX XXXX XXXXXXXX NUMBERXXXXBALANCE $ XXXX OPENED XXXXREPORTED AS REPOSSESSEDXXXX XXXXACCOUNT XXXX $ XXXXACCOUNT OPENED XXXXREPORTED AS CHARGE OFF. 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. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In XXXX of 2019, i made contact with XXXX XXXX XXXX XXXX Vice President/ Counsel with the intentions to settle the allege student loan debt by way of debt validation letter. In XXXX of 2019 XXXX sent me a threatening letter stating, they will take my earnings and money in private bank account if i don't pay up. Under duress and fear, I made payment XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019 [ see receipts ] to date, XXXX reports inaccurate information, and fails to update their account. In XX/XX/2019, i made payment in full [ see receipts ]. XXXX continues to report inaccurate data, and continue to report the accounts as charge off/ failure to pay ; XXXX   agent XXXX receive notice from me with correct information [ see attachment ] but refuses to correct the record. I want XXXX to stop sharing my private data and information, without my written or express authorization.
Consumer complaint received 2022-08-08
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

On XX/XX/2022 I disputed an Inquiry on my credit report. That day was a Saturday but the dispute investigation was completed within hours. Knowing it was almost impossible for a thorough investigation to had been done, I submitted another dispute the next day which was a Sunday. This time my dispute was investigated and I was notified within hours. The inquiry was placed on my credit report by XXXX XXXX. I think its impossible for Equifax to have gotten proof two times within two days days from XXXX XXXX. If a proper investigation would have been done, XXXX XXXX wouldnt have been able to produce anything evidence showing that I attempted to obtain credit from their company. I dont shop in their stores so its ridiculous that I would want a store card from them.
Consumer complaint received 2021-12-23
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. (MD)

I recently reviewed my credit report and noticed some unauthorized accounts and inquiries. I since then contacted the company and was told what documents that needed to be provided to remove the unauthorized items. I have provided those documents but the accounts and some inquiries still persist. I am a XXXX veteran and I am trying to purchase my first home and would love this to go away fast.
Consumer complaint received 2022-03-23
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (VA)

In XXXX the IRS informed me I owed taxes from XXXX plus fees and penalties for not updating my 1040 due to a canceled student loan. Since I had no knowledge of any loans being canceled in XXXX as I was attending graduate school at the time, I appealed to the IRS who replied with the usual boilerplate about paying my taxes on time. I tried to contact NAVINET only to be told they only collect medical debt. I contacted the US Dept of Ed who told me I had no loans canceled at this time. It is important to note that I was a victim of the XXXX XXXX breach. 

I finally reached XXXX XXXX, who I was told got shut down. They gave me a number for XXXX who told me I entered a contract for partial repayment of this private bank loan. Since I recently flied bankruptcy I had searched my records back to XXXX and found no evidence of correspondence with XXXX in XXXX, or ever, actually. So I attempted to file a fraud complaint. This was denied and I was told it was legal for them to have reported the unpaid portion of this debt to the IRS. They said in ANY partial payment in settlement of a debt the unpaid portion is taxable income. This is the first I'm hearing of this. 

My understanding is as a non - XXXX XXXX loan, it is a commercial loan and should be subject to the same laws as any other bank loan. As such, it has expired as it is way past the statute of limitations in both federal law and Virginia law. The call takers I spoke to were rude and repeatedly tried to change what I said on their recorded line. They refused to help me resolve this problem instead trying to get me to agree to pay the full amount. This is blatant fraud and a violation of the Fair Credit Collections Act or such. 

I would very much like to see this company shut down or at least penalized for this disgraceful behavior. The loan and the tax debt need to go away.
Consumer complaint received 2020-06-20
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (ND)

Several months ago a collection agency named IC System contacted me about a debt with XXXX. The address of the service was XXXX XXXX XXXX in XXXX, North Dakota. I have never lived at this address and disputed it through XXXX. All they replied is that IC System has confirmed the debt as good. You can look up anything about my history and never has the address XXXX XXXX XXXX has never been a place where I have resided.
Consumer complaint received 2023-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I have an unverified account from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I had previously disputed this account. I have never done business withXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. The original date of default and collection activity begins 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX Cease and Desist all further communications and collection activities and provide the verification of the purported debt.
Consumer complaint received 2022-03-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc. (TX)

NelNet is charging interest on student loans and has been, even though congress has suspended. The representatives refuse to assist in helping resolve or educate on why they are charging interest and has been. 

www.nelnet.com
Consumer complaint received 2019-05-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: KEYCORP (AK)

I received a letter from Key Bank dated XXXX XXXX 2019 about Key Bank 's special repayment program and to comply with the enrollment I must comply with their instructions. 
1. Remit the first payment on or before XXXX/XXXX/19 2. Reinstatement : To bring the account current you must make the following payments on or before the dates indicated below. XXXX XXXX2019 Amount Due {$39.00} same for XXXX and XXXX and continue every month thereafter till paid. I paid for XXXX on XXXX/XXXX/19 XXXX XXXX/XXXX/19 and XXXX XX/XX/XXXX19 and have continued every month after that. 
New minimum payment amount : Your special repayment program minimum amount is {$39.00} and is due by your statement due date each month New interest rate is 3.00 % and is a fixed rate. 
What you need to know : There are 8 things listed that I need to know and no where does it say anything about about a late fee of {$37.00} and other incidental charges being charged to my account. I have contacted XXXX XXXX, Single point of Contact person @ XXXX and XXXX XXXX @ XXXX and all they tell me is " we'll look into it, and get back with you '' but that's as far as it gets and " NO RESULTS '' Why should I get charged a late fee of {$37.00} + {$4.00} & {$1.00} in other fees. Total for the month {$42.00}
Consumer complaint received 2022-08-21
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. (FL)

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is governed by 15 USC 1681. And they have violated my rights numerous times. I demand the accounts listed below to be removed because according to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts : XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2022-08-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (IL)

-My funds-approx {$750.00}, have been frozen since approx. XX/XX/XXXX and is still frozen today XX/XX/XXXX. 
-I have provided everything they have asked, sometimes there have been up to 12 days in between responses from their " review '' departement. 
-Their telephone customer service reps. can't help at all. 

-They kept requiring me to send in a physical copy of my social security card ( they had my number from day 1 ), which I didn't have, and finally asked for my birth certificate instead, which I sent immediately, then new problems arose. 

-They are asking for my source of funds which were {$13000.00} over a XXXX month period. I gave them full disclosure, and have sent over my XXXX tax returns, license, birth certificate, XXXX from the military, and utility bills. I also sent them numerous emails with explanation. I also have a passport to offer them.

-I used the funds to pay off credit card debt and now I am broke and my kid is hungry.
Consumer complaint received 2022-09-01
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: EQUIFAX, INC. (CA)

XXXX VACATION OWN XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX, A XXXX XX/XX/XXXX THESE INQUIRES WERE PLACED ON MY REPORT WITHOUT MY KNOWLEDGE AND THEY NEED TO BE REMOVED.
Consumer complaint received 2022-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX XXXX XXXX Account # XXXX 30 days late in XX/XX/2019.
Consumer complaint received 2020-05-08
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. (TX)

1. XXXX XXXX ~ {$16000.00} 2. XXXX ~ {$3000.00} The above accounts are continuously appearing on my Equifax report and I did not open these accounts and have written to Equifax to remove them as they are fraudulent. 
But Equifax either removes and replaces them or flat out do not want to remove even with proof and with an FTC Identity theft report sent out to them.
Consumer complaint received 2022-08-10
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. (MO)

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 XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX XXXX XXXX Balance : {$1700.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$600.00} ; XXXX XXXX Balance : {$260.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$150.00} ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX AV XXXX XXXX XXXX MO XXXX
Consumer complaint received 2022-03-23
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: CITIBANK, N.A. (CA)

XXXX XXXX ( XXXX Credit Score : XXXX Top 1 % ) Account : Citibank XXXX XXXX XXXX Credit Line : XXXX Account Status : Excellent - 4 years held, balance paid in full every month -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Citibank Closed our Account - in good standing w/ all balances paid 100 % monthly. They claim a call center agent said we 'Refused a Term ' but no such exchange occurred nor can they document. It is an error on the call center agent part and Citibank will not even provide the documentation to pursue them for the damages they have caused our Credit profile. They have fabricated an issue and have harmed us. 

We don't pay any credit card interest and would care about any term ( rate ) changes as we don't live our life 's paying any interest to any of our XXXX ( unused ) lines of credit. We know the Credit score game this is how we have a XXXX XXXX  score. Damages : This Closing of a XXXX line of credit for no cause, with zero documentation or even an excuse has caused our well managed Credit Score to drop by XXXX points. This big company can not harm or damage us for no cause. They may be big but we are smart and will be loud. If they are making up fraudulent reasons to harm good creditors like us ( we are blessed ) what on earth are they doing to lesser fortunate souls? I am starting here and need your assistance to pursue all courses of action. They are not too big to be accountable for their mistakes! XXXX XXXX  XXXX XXXX Email : XXXX ; XXXX XXXX
Consumer complaint received 2022-08-10
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: EQUIFAX, INC. (GA)

Ive been trying to dispute several items on my report but my dispute has been ignored. I am requesting that the Credit Bureaus look into this matter as required to do so under the FCRA. If they chose to not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. Please conduct a proper investigation this time and ensure that the items stated above are reporting appropriately as required by the law. Otherwise please delete any item that are found to be inaccurate or unverifiable or outdated. The 3 credit bureaus 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 item/accounts/information below : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2024-10-09
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. (NC)

Consumer Name : ( XXXX, XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : I am filing this CFPB complaint to request that XXXX XXXX pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), block information on my credit report that is the result of identity theft and fraud within XXXX business days of receiving this complaint. XXXX XXXX on XX/XX/XXXX Account number ( XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX Account number ( XXXX ) XXXX XXXX XXXX  Open on XX/XX/XXXX Account number ( XXXX ) XXXX XXXX XXXX XXXX on XX/XX/XXXX Account number ( XXXX ) XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX Account number ( XXXX ) XXXX XXXX  Open on XX/XX/XXXX Account number ( XXXX ) XXXX XXXX XXXX XXXX on XX/XX/XXXX Account number. ( XXXX ) XXXX XXXX XXXX. Open on XX/XX/XXXX Account number ( XXXX ) XXXX XXXX XXXX XXXX on XX/XX/XXXX Account number ( XXXX ). Inquires 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 XXXX XXXXThese accounts have led to several unauthorized hard inquiries and fraudulent collections on my XXXX credit report. All these accounts, collections, and inquiries are the result of identity theft and fraud. Enclosed is a copy of the FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the U.S. Federal Trade Commission that all the mentioned credit accounts, collections, and inquiries are due to identity theft and fraud.
Consumer complaint received 2023-04-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AR)

I HAVE BEEN A LOYAL CUSTOMER WITH BANK OF AMERICA SINCE I HAD A OPEN ACCOUNT THOUGH MY ACCOUNT DURING CERTAIN TIMES HAD BEEN HACKED STILL NO COMPLAINTS ALL OF SUDDEN I GETS A LETTER IN MAIL STATING MY ACCOUNT HAVE BEEN CLOSED WITHOUT ANY EXPLANATION SO I IMMEDIATELY NOTIFIED MY HR PAYROLL NOT TO SEND MY CHECK TO MY ACCOUNT BUT WAS TO LATE THEY INFORMED ME HR TO CONTACT BANK OF AMERICA WHICH I DID I WAS TOLD THE ACCOUNT WAS CLOSED AND IT WOULD DO NOTHING BUT REJECT MY DEPOSITS SO I INFORMED THE HR WHAT I HEARD SO HR AND MYSELF WAITED FOR XXXX MAYBE XXXX  DAYS STILL NOTHING AFTERWARDS I LEARNED FROM HR MY DEPOSIT FUNDS WAS STILL IN THEACCOUNTI IMMEDIATELYCONTACTED BANKOFAMERICAA SECONDEMPLOYEETOLD ME MYACCOUNTWAS CLOSED BUT OPENON THEIR END STILL.