davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Social Finance, Inc. (FL)

I deposited {$3000.00} into my SoFi Checking account from my XXXX XXXX account. SoFi has frozen my account and instructed me to contact the Fraud Prevention team. Any attempts to contact them goes to voicemail and they are not contacting me back for me to have the account unfrozen. This has left me with no access to my funds.
Consumer complaint received 2022-08-22
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. (NC)

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 & delete any items which are 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 block/remove these items from files. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$340.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$270.00} XXXX XXXX XXXXXXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$920.00} XXXX XXXXXXXX Balance : {$170.00} Medical XXXX Balance : {$180.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1100.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$180.00} XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$220.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$340.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$75.00} If you 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 XXXX XXXX accuracy that each items are XXXX XXXX true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are 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 2019-11-18
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Automated Collection Services, Inc. (FL)

XXXX XXXX, a debt collector with ASCI - Automated Collections Services, Inc of XXXX TN.- has called me twice in one week on a debt that is not overdue. She called me twice over a debt where the most recent payment was exactly 20 days prior. ( Paid XX/XX/XXXX, called by this representative on XX/XX/XXXX and XX/XX/XXXX. ) This is outside the 30 day guideline. Furthermore she was rude in her tone to me and stated that ASCI has not " heard from me since XXXX. '' ( This is on XX/XX/XXXX ). I told her that yes, that made perfect sense ; because I paid them in XXXX and now it's XXXX. But she seemed unable or unwilling to acknowledge that my payments have been completely on time. I am disgusted by being targeted and spoken to as someone who is delinquent when I am not by a representative for a company who I have paid on time.
Consumer complaint received 2024-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong 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 take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2019-11-18
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: EOS Holdings, Inc. (MD)

I have received on several occasions invoices from a collection agency known as EOS CCA. They claim that they are collecting a debt on behalf of US Asset Management Inc for the original creditor known as XXXX XXXX XXXX/XXXX XXXX. T this time I am requesting a full qualified written request of the debt origination, its multiple transfers, and any connection to the U.S. Department of Education if any. Please see an attached qualified written request demanding the authority to collect on the described debts.
Consumer complaint received 2022-06-02
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. (GA)

DEPT OF ED / XXXX violated my consumer rights. 

15 USC 1666b : timing of payments says, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose so DEPT OF EDXXXX has violated this law because this late payment is reporting on TransUnion.

15 USC 1681a ( 4 ) says, There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy so DEPT OF EDXXXX has violated this law because this late payment reporting on TransUnion is a violation of my right to privacy because I didnt give them permission to report it publicly.

15 USC 1681a ( 2 ) ( a ) ( i ) says, The term consumer report does not include transactions or experiences between the consumer and the person making the report so DEPT OF EDXXXX has violated this law because they furnished this EXPERIENCE to TransUnion and I didnt give them permission to do so.
Consumer complaint received 2022-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MO)

I have been trying to correct my records through Equifax/work number/Talx for some time now. The entire time I was trying to view them I start getting ads from Equifax, then I get locked out over and over. There were also several other links popping up at the same time. Half of my records are either incorrect or totally missing. To top it off somebody is working under my social security number, phone number and other email at NIH. 
It makes sense as to why I found XXXX on my phone a few times. To top it off I found a small females border patrol green recruit jacket inside my house near all of my paperwork after returning from being gone for a day towards the end of last year. Who ever it is is affiliated with Equifax because they kept kicking me off the entire time. 
How am I supposed to handle this type of situation when it is people in places of trust Misusing my information and abusing their positions of trust?
Consumer complaint received 2022-06-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Transunion is reporting these collections as an OPEN ACCOUNT which is not under the FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed.
Consumer complaint received 2022-06-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act the following creditors/ credit reporting agencies have violated my rights. 

-- Bankruptcy XXXX # XXXX, # XXXX -- XXXX XXXX XXXX # XXXX -- XXXX XXXX XXXX # XXXX -- XXXX  XXXX # XXXX -- XXXX XXXX XXXX # XXXX 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 2019-11-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I have disputed this debt with credit bureaus and debt collector numerous times. I have never done business with this company nor entered into any agreement with them. I have asked that they verify details of this debt including that I legally owe them or delete from my credit report. I have not received any verifications nor has my credit report been updated with the requested deletion.
Consumer complaint received 2022-06-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I have reached out to the CFPB pertaining to this issue about 2x already and this is going on the third month in which, after this I will reach out to the attorney general and look to pursue legal counsel against XXXX and Transunion. They are solicitating information against my email in which the debt that is listed on my credit report in which there is no $ owed the account under XXXX XXXX is not even under their management. My information was sold and this account was given to XXXX XXXX XXXX XXXX with my consent or permission and there is no debt owed. Therefore, this company illegally gave along my information to XXXX in which no debt is owed as pertaining to this document and XXXX  is on my credit report in which they according to the document " we do not have access to the current owner 's account information, and therefore the above information may not reflect the current status of the debt, which is no longer owned by XXXX XXXX ''. Therefore, these two credit bureaus transunion and XXXX are holding information that they are reporting verified as accurate aganist my will which is incorrect! I need this fixed ASAP! as this violated 15 USC Code 1681 ( a ) ( 2 ) ( B ), the Truth in Lending Act 15 USC 1602 ( g ), and 15 US Code 1692 ( a ) ( b ).
Consumer complaint received 2022-06-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

In accordance with the Fair Credit Reporting Act, Account # XXXX XXXX XXXX XXXX  ), Account # XXXX XXXX XXXX XXXX  ), Account # XXXX ( XXXX ), Account # XXXX ( XXXX XXXX XXXX, Account # XXXX ( Dept of Education XXXX  ), Account # XXXX ( Dept of Education XXXX  ), Account # XXXX ( Dept of Education XXXX ), Account # XXXX ( Dept of Education XXXX ), Account # XXXX ( Dept of Education XXXX  ), Account # XXXX XXXX XXXX XXXX  ) Account # XXXX ( XXXX XXXX XXXX XXXXXXXX ), Account # XXXX XXXX XXXX XXXX XXXXXXXX ), Account # XXXX ( XXXX, XXXX ) have violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2019-11-18
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: World Omni Financial Corp. (FL)

I have contacted XXXX XXXX XXXX several times to try to get a lower payment because i knew my interest was very high and my car was in an accident and even though my car was sold I still owed a very high balance. I have a couple of friends who are not XXXX and their payment was not as high as mine nor was there payments that high. I have been approved by XXXX XXXX XXXX Corporation Settlement for discrimination but this is still on my credit report. I read the contract and it said I had to pay over {$400.00} a month and the price had had jumped to {$29000.00} and some. I went to the dealership and I spoke to the salesman about the figures and took me to the finance department and the finance manager said that he explained to me about the price and still said that it was too high and he said that he will try to see what he could do. I advised I thought this was a loan with a XXXX interest and I was told that my payment should be no more than {$250.00}. I feel like nothing was explained to me correctly and they took advantage of what I didnt know.
Consumer complaint received 2022-07-15
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: EQUIFAX, INC. (CA)

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complain, and I'm including it again. 
XXXX XXXXXXXX XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2022-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

XXXX Bank date of vehicle loan origination XX/XX/XXXX in the amount of XXXX. 
Loan paid off by XXXX XXXX XXXX in the amount of {$41000.00} on XXXXOverpayment letter from XXXX Bank in the amount of {$19.00} check # XXXX on XX/XX/XXXX. 
XXXX provided me a printout of my account in the transaction section showing account was paid off on XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX mailed me a letter to notify me that they provided the appropriate party with a release of interest document as required by the State as a result of the contract being paid in full. In reviewing my Equifax credit report, XXXX is showing a open balance amount of {$41000.00}. Since XXXX merged with XXXX Bank and the last document I received was from XXXX I went to discuss this matter of concern on XX/XX/XXXX, with XXXX XXXX, Relationship Banker at XXXX at XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX. XXXX XXXX contacted the loan dept for paid-out loans and was informed that XXXX reports quarterly to the credit bureau XXXX They were not able to give a definite date as to when the credit bureau would be contacted, and the loan amount would be removed as paid in full and closed. On XX/XX/XXXX, I spoke to XXXX XXXX XXXX XXXX Banker at XXXX XXXX XXXX XXXX XXXX XXXX, NC. He stated that he would file an in-house complaint. As of XX/XX/XXXX, the open balance of {$41000.00} remains to show on my Equifax account with no resolution from XXXX Bank.
Consumer complaint received 2022-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (SC)

I recently looked at my credit record and found numerous billing mistakes. Billing errors under U.S. Code 1666 ( b ) are 15. Failure on the part of the creditor to accurately reflect a statement, a payment made by the debtor, or a credit given to the debtor. an accounting inaccuracy of the creditor on a statement that involves computation or a similar error. As far as I'm aware, the creditor didn't send me a statement 21 days in advance, thus there shouldn't be any late payments on these accounts. These are unquestionably billing issues, thus I demand to see concrete evidence from the creditor 's bank accounts that I failed to pay and were flagged as being past due. The disputed accounts are listed below. 
XXXX XXXX XXXX Balance Owed : {$600.00} XXXX XXXX XXXX Balance Owed : {$1300.00}
Consumer complaint received 2022-06-02
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (OH)

I was driving and I was trying to tell them i had resolved that debt. i asked for them to call me back that I was driving. The only thing that happened was the person got loouder and louder as i tried to repeat that i was driving and behind the wheel in my car. I got upset having someone over power me in my car. I gace up trying to communicate and hung up. I did not want to wreck and my attention was being diverted.I got another call and the person asked if it was mr XXXX I answered yes. She began to try to forcefully as in ovrtpowering the conversation. I had to speak up and I was requesting that her company send me information about themselves and also this debt I had not received anyrhing in the mail. She said they did and I told her I had not received any. she became aggressive again and and all I could do was hollar into phone so she could hear me over her own voice,,, SEND ME THE INFO..and then I hung up. I went back and looked at all my mail and there were no letters as she had said. I called the company after looking up my credit report and seeing what was going on. I got the number and address and called. I wanted to communicate .that I would like a letter explaining the debt. Who it was and when and are you Midland liget? I have just been idenity theft. The man would not take my information I was trying to convey and just began to talk louder and tell me they were going to collect. I tryed XXXXhatI had ro hollar this hoping he would hear me. I got upset again and I had yto hang up. Idecided to see if there were rules to help me as a consumer. I never took any federal or state finds during or at anytime with the covid crisis. 

The Complaint is about credit card
Consumer complaint received 2022-06-02
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (OR)

I have been unsuccessful in contacting Experian about a complication and their website isn't working correctly with my login credentials, nor does any of their customer support/service phone numbers. Experian system is faulty and malfunctioning. I am being denied access to credit by Experian due to listed reasons which are not valid. 

I would like information on current lobbying efforts to increase regulation of credit reporting agencies. I would also like to receive any advice on recourse with delays in access to credit due to Experian 's faulty phone and web access portals.
Consumer complaint received 2020-12-30
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC 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 2022-07-18
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (TX)

Have had a home depot card since about XXXX during. I have not made any purchases on the card in years. on XX/XX/XXXX a purchase was made in XXXX tx. I live in a city XXXX miles away. They claim ID was presented at time of the purchase. I have no way to verify if one was or was not presented. They are denying my fraud claim and have kept me in limbo for over a month. During this time they constantly call me trying to collect the debt. 
I have an XXXX credit score. I have made over XXXX dollars in purchases at home depot alone this year on my discover card. My balance on the discover card is paid monthly. I do not skip out on payments. The charge in dispute was for about XXXX dollars and has since matured into a XXXX dollar bill with late fees. They continue to charge me. I have XXXX XXXX and have opened a case. This involves me making a police report, getting several papers notarized and has taken quite a bit of time. I should not be responsible for a charge that i did not make.
Consumer complaint received 2024-11-01
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: W&A Intermediate Co., LLC (MO)

I reached out to the Company to receive a copy of the account in question or verification of a signed original contract between myself and their company and they refused to provide me proof of any such contract. I asked them to remove the fraudulent account as it is more than XXXX XXXX XXXX, and they refused.
Consumer complaint received 2020-12-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2022-06-02
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. (TX)

In accordance with the Fair Credit Reporting Act XXXX Account XXXXXXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX 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 instruction.