davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-24
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2021-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I called to Walmart Capital one Card and they are not seeing any lates on my account. Somehow, the are showing that I had an {$8.00} balance that is reporting 30 days late for XX/XX/2021. I was never late. I am on auto pay. This should never have hit my credit and capital one doesn't show me anything was late. I spoke to XXXX and they are confused by all of this. This dropped my credit 40 points and I am trying to purchase a home!
Consumer complaint received 2021-08-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NV)

Last year I set up overdraft for my checking account. They set it up in reverse to protect my savings instead, not As I instructed. Yesterday they returned a electric bill payment. When I asked them about it they told I never had it set up for checking, it was the other way around. I remember clearly when opening the savings account I added the overdraft protection for the checking. Now they are going to charge me a return fee and the electric company will charge a return fee. USAA said that they could look in to it, and might be able to reverse the fee, but because of their mistake Im out of pocket for the fees and have a late payment on my credit score. I feel cheated!
Consumer complaint received 2022-06-24
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. (CA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. This is the item I demanding to be deleted immediately : Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate it lists the Child Support court as the furnisher thats forgery and misleading when the courts dont report this type of account. 
XXXX XXXX XXXX  Account Number : XXXX Delete account for failure to perform an investigation per fcra regulation
Consumer complaint received 2021-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TN)

XXXX is still reporting an open personal loan with and $ XXXX balance that was paid off over 90 days ago. This is affecting my Debt to income when Im trying to buy a new home. Ive tried to resolve this with XXXX and their representatives are completely incompetent.
Consumer complaint received 2022-06-24
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. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX As a consumer by law this account must be deleted immediately 2. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX As a consumer by law this account must be deleted immediately 3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX As a consumer by law this account must be deleted immediately 4. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX As a consumer by law this account must be deleted immediately 5. Validate/inaccurate reported late payments. 
XXXX Account Number : XXXX Please update late payment, all payment was made on time 6. FDCPA Section 807 Violation Misleading False Reporting XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 
7. FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
8. FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX Account Number : XXXX Please remove it from my credit report.

9. FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
10. FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
11. FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2022-06-24
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Weltman, Weinberg & Reis Co., L.P.A. (CA)

Private Student Loan debt - deceptive practices : In XXXX I came to an agreed settlement of my Private Student Loans with the loan servicer and made payment arrangements to pay the debt collector. The sum of {$26000.00} is considered as a complete settlement in 71 payments. The first payment in the amount of {$2000.00} is due on or before XX/XX/XXXX. The following 70 payments in the amount of {$350.00} are due on or before the XXXX of each month starting XX/XX/XXXX and ending XX/XX/XXXX. I have been making payments on time every month since this agreement was made. 

As of XX/XX/XXXX I received a notice that 3 of 7 of my accounts had been forgiven that was granted on XX/XX/XXXX, as a result of a settlement agreement the Loan servicer has reached with your state 's attorney general. I contacted both the Loan Servicer and the debt collector to make sure the forgiveness of these accounts were confirmed as true, both parties confirmed. The debt collector has now informed me that I need to renegotiate with the Loan Servicer through them due to stopped payments. They are claiming that I had stopped making payments as of XXXX of XXXX. I had not received any correspondence that payments had stopped being withdrawn from my account. The debt collector has provided me w/the service of auto withdrawals from my account that somehow stopped. This is the 3rd time this has happened during my repayment. The last time it happened I sent a certified letter by mail and email correspondence informing them that they had failed to process payments. 

The debt collector has tried to get me to agree to paying twice as much as I actually owe. They are unwilling to adjust the balance of my accounts to accurately reflect what is left to pay based on. my org. settlement after the 3 accounts have been forgiven and they are trying to force me to pay more than what is actually owed by putting a sense of urgency on the matter, stating I only have until XX/XX/XXXX and then the settlement they have offered is void and I will owe the entire balance that is left of {$26000.00}. 

I have also requested documentation of the loans that are still active and what balances are left to verify that their data matches XXXX data. The debt collector has been unable to present me with this information after several requests to do so. 

Please note I have kept a record of all communications between myself and the debt collector.
Consumer complaint received 2022-06-27
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)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX After several communication with the bureau regarding the inaccurate of those account, they claim to come back verified, which i never provided the mean and the documents using to verification which I had requested. Furthermore, i found out the inaccuracies were still present after they claim they fixed them. 

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 2021-08-17
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. (TN)

I recently had to pull my credit report because I was going to apply for new car and found violations on my account which will hinder me from getting new car. I understand pursuant to 15 US Code 1681a2B any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a CREDIT CARD or similar device '' should be excluded from a consumer report. Well I am pretty sure by definition listed in 15 US Code 1681a is the same as 15 US Code 1602 ( l ) credit card is any card, plated coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit. By definition this is my social security card. I found several accounts which were derived from my credit card a.k.a. my social security card and should by law must be excluded from my credit report. This is a violation of 15 USC 1681a2B. I also did not give written content for none of these accounts pursuant to 15 US Code 1681b2 which is another violation. Consumer reporting agencies are to respect my right to privacy pursuant 15 USC 1681a4 and they did not and violated my rights as a federally protected consumer. I havent been able to sleep, with extreme anxiety, and I am worried I wont be able to get a new car.
Consumer complaint received 2022-06-24
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: EQUIFAX, INC. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2020 As a consumer by law this account must be deleted immediately 2. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2020 As a consumer by law this account must be deleted immediately 3. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/2020 As a consumer by law this account must be deleted immediately 4. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2020 As a consumer by law this account must be deleted immediately 5. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2020 As a consumer by law this account must be deleted immediately 6. FDCPA Section 807 Violation Misleading False Reporting XXXX  XXXX Account Number : XXXX Please remove it from my credit report.

7. FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX Account Number : XXXX Please remove it from my credit report.

8. FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX  Account Number : XXXX Please remove it from my credit report.

9. FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX  Account Number : XXXX Please remove it from my credit report.

10. FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
11. FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX XXXX  Account Number : XXXX
Consumer complaint received 2022-06-24
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. (WI)

In accordance with the Fair Credit Reporting act DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-06-24
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. (WI)

In accordance with the Fair Credit Reporting act DPT EDXXXX Account # XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, h

as violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-06-24
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. (OH)

Fraudulent accounts are in my report, I requested validation through the original contract but no contracts have been sent to me ever since. This request has been ignored as shouldn't be the case as the law states that I am able to request a contract between me and the company that I have allegedly had an account.
Consumer complaint received 2022-06-24
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 XXXX  Account Numbers XXXX. XXXX XXXX ( Account Number : XXXX ) Date : XX/XX/2020 2. US DEPT OF EDXXXX ( Account Number : XXXX ) Date : XXXX XXXX XXXX. XXXX XXXX XXXX ( Account Number : XXXX ) Date : XXXX XXXX XXXXXXXX XXXX XXXX  ( Account Number : XXXX ) Date : XXXX XXXX XXXX XXXX  ( Account XXXX ) Date : XXXX XXXX XXXX XXXX XXXX ( Account XXXX ) Date XXXX XXXX XXXX XXXX XXXX XXXX ( Account XXXX ) Date : XXXX XXXX XXXX XXXX XXXX ( Account Number : ( XXXX ) Date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Date : XXXX XXXX ) XXXX. XXXX XXXX XXXX ( Date : XXXX XXXX ) XXXX XXXX XXXX XXXX  ( Date : XXXX XXXX ) XXXXXXXX XXXX XXXX  ( Date : XXXX ) XXXX. XXXX XXXX XXXX ( Date : XXXX XXXX ) XXXXXXXX XXXX XXXX  ( Date : XXXX XXXX ) XXXX XXXX  ( Date : XXXX XXXX ) XXXX XXXX ( Date : XXXX XXXX ) XXXXXXXX XXXX XXXX  ( Date : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( Date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Date : XXXX XXXX ) has violated my rights.

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-08-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (FL)

I am a veteran and was offered a 3 line package with XXXX if I transferred my lines. On XX/XX/2021 I tried to port over my wireless cell from XXXX by XXXX to XXXX however they could not complete the port. I was misled when they offered the services. Since the port was not able to complete I never activated the services. In other words, I am being billed for services never rendered. XXXX recognizes that the port was not successful and the account was canceled the same day. I contacted XXXX several times and was advised they will correct the account but have not done so. Now they have placed the account with a collection agency that has threatened to report it on my credit report. This is a clear case of unfair and dece [ tive practices. The amount billed is {$97.00}.
Consumer complaint received 2021-11-05
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. (LA)

In 2015, I took out this loan for XXXX XXXX. I signed a master promissory note. Per my contract, the alleged debt was paid for using a negotiable instrument which is my promissory note. According to 16 CFR 433.1,2,3, a promissory note is a promise to pay and my social security number was used to extend credit for this note meaning this is already paid for. Title 18 states all alleged debts are the obligation of the united states. I am invoking my rights as a federally protected consumer and debtor.
Consumer complaint received 2021-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting Transunion, XXXX and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.
Consumer complaint received 2022-06-24
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: TD BANK US HOLDING COMPANY (PA)

We moved into XXXX XXXX back in XX/XX/2008. We had to put down at least 2 months rent for Security Deposit which went into an Escrow Account. My mother passed away last year and they tried to say she was the only one listed on the apartment which I proved otherwise. This year I received our Escrow account from TD Bank which is holding the money. It appears that they redid the account taking most of the money and only leaving {$1100.00} in the account which we lived here for 14 years also the Interest is extremely low with an earning of XXXX for a few months. I tried to contact the XXXX XXXX office but they refused to talk to me.
Consumer complaint received 2021-08-17
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. (FL)

to whom this may concern i want to inform your office that you are in violation of fcra and fdcpa .you have violated my rights by reporting false inaccurate information by placing these false accounts on my consumer credit report..the of collection that is being reporting has not been opened by me i have no knowledge of them, be advise by law i have the right to PRIVACY and you the credit reporting agencies have violated it..the of accused collections account and date FOLLOW XXXX XXXX XXXX on XXXX XXXX for the amount of {$250.00} .BY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELETED UNTIL FURTHER INVESTIGATION ... THE CREDIT REPORTING AGENCIES AS FOLLOW XXXX is CURRENTLY IN VIOLATION AND HAS VOLATED MY RIGHTS UNDER FCRA AND FDCPA. under 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter