davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-02
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. (AZ)

I was checking my credit report and these accounts still on. 
Just pulled update of my credit report and I dont see any changes. I already sent few rounds of dispute about them. I believe that someone have my personal information. 
I dont know how to delete it from my name
Consumer complaint received 2022-02-02
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Absolute Resolutions Corp. (CA)

This debt was awarded to my ex-husband, XXXX XXXX, in XXXX of 2021. I provided the company and the collection agency with the divorce paperwork asking t Them to remove it from my credit. No response from either company. In XX/XX/2021, I contracted with a credit repair agency to get this taken care of. They have sent multiple letters to avant and absolute resolution, the collection agency on my credit report, with no response and they have not removed it from my credit. I do not know what to do to get these people to take this off of my credit. I have sent them legal documents, the XXXX XXXX XXXX has sent them multiple legal documents, and they are doing nothing that late they are legally obligated to do.
Consumer complaint received 2023-09-18
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-06-17
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. (AL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX- XXXX XXXX ( Acc. # XXXX ), XXXX XXXX XXXX XXXX XXXX # XXXX ), XXXX 's XXXX XXXX Acc. # XXXX ), XXXX XXXX ( Acc. 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 Session 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

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 to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate.
Consumer complaint received 2022-02-02
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 — Investigation took more than 30 days
Company: TD BANK US HOLDING COMPANY (CA)

I have filed a dispute in regards to the incorrect items on my credit report. It has been over 30 days and I haven't recieved any investigation results.
Consumer complaint received 2022-02-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX XXXX OF PA XXXX XXXX {$1600.00} XXXX XXXX XXXX OF PA XXXX XXXX {$1100.00} XXXX XXXX XXXX OF PA XXXX XXXX {$1700.00} XXXX XXXX XXXX OF PA XXXX XXXX {$240.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( XXXX ) ( A ).
Consumer complaint received 2022-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The XXXX XXXX XXXX account # XXXX is fraudulent and is not mine. By law as a consumer, they can not report this to my report without my consent under 15 USC section 1681b yet you keep reporting this information on my report. I have been trying to dispute this information off my report for over 6 months which is a violation as well under XXXX USC 1681B-2 as they failed to notate this account as under dispute. This account is false and misleading and is hurting my reputation and holding me back from applying for things. It's sad that even though I have the say of what goes on my credit report or not as the original creditor/obligor, these bureaus still continue report fraudulent items as if they own my personal information. This will be my final attempt to resolve this issue. If this issue is not resolved within XXXX  days of this complaint being received, I will be more than glad to seek monetary compensation for the mental harassment, abuse and trauma you have committed under 15 USC 1692d.
Consumer complaint received 2022-02-02
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX placed an account in collections and used multiple Collection agencies in the attempt to collect via email/mail/phone/ credit file reporting all through XXXX, all without verifying the debt, I have disputed it multiple time always asking for the Original signed document as is my right, they were never produced nor was i asked to view them,, XX/XX/XXXX the still did not comply with originals instead sent copies with copy/pasted signature/altered documents and uttered a complete forgery all in order to validate a non existent obligation and extort monies not owed and the CRA 's are guilty of no adhering to FCRA by verifying the debt and only reporting 100 % accurate information
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.
Consumer complaint received 2022-06-17
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. (NJ)

XXXX XXXX, XXXX XXXX XXXX, XXXX NJ XXXX In accordance to the fair credit reporting act the above stated companies have violated my rights as per 15 U.S. Code 1681a2a-Section ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. In addition they are violating my Ferpa rights in sharing my medical information without my consent.
Consumer complaint received 2022-02-02
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: U.S. BANCORP (NY)

On XX/XX/XXXX my lease agreement with the U.S. Bank NA has expired, and I paid off my outstanding contract obligations as well as the associated Sales Tax amount. On closing of the account, the U.S. Bank NA ( tax ID XXXX ) has issued a check for the amount of Sales Tax payable to the New York State Department of Motor Vehicles. I have then deposited that check during title processing with the NYS DMV and was issued a new title for the vehicle. 

On XX/XX/XXXX the NYS Department of Motor Vehicles informed me via a written letter that the sales tax check issued by the U.S. Bank NA was returned unpaid. I was also informed that a ) a new payment is needed from me ; AND b ) the new amount due now includes a penalty for the dishonored check ; AND c ) my driver 's license will be suspended unless the total payment is received. 

Since the moment I received the above letter, I attempted to discuss the situation with the U.S. Bank NA multiple times without any success : 1. Phone calls made on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX. 

2. Has been rerouted between multiple departments and spoke to the agents in each one : - XXXX ( customer support ) - XXXX ( lease end ) - XXXX ( lease maturity ) - XXXX ( banking ) 3. As advised on the phone, communicated the full history and provided supporting documents via fax/email : - XXXX ( customer service fax? ) - XXXX ( titling department fax - twice! ) - XXXX ( customer service manager? ) At no time has anyone contacted me from the U.S. Bank to update me on the status or with any questions. All the conversations were initiated from my side. 

As of this point, after wasting numerous hours on the phone discussing the same problem over and over, I was informed by the agent and her manager on XX/XX/XXXX that a request was sent to the " back office '' 5 days ago, that no response has been received, that it's not clear when a response will be received, and that there is nothing else anyone can do until the back office '' responds. 

Based on the above, my conclusion is that the U.S. Bank has either intentionally withheld the sales tax money they received as intermediary and fraudulently issued an invalid check, OR that the U.S. Bank is a highly dysfunctional institution, incapable of providing customer service at a reasonable level.
Consumer complaint received 2022-06-17
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)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX and XXXX Account # 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 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-06-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Amsher Collection Services, Inc. (MN)

Currently, I have a collection request from AmSher XXXX Collections, for {$59.00} for Charter Communications, opened on XX/XX/XXXX. I am currently still a customer with Charter Communications. About one year ago I changed internet service providers, which is what XXXX was and now currently still does for me. I was unaware that I owed any outstanding money to XXXX  and even checked my account when I received a debt collection request, which still shows no amount is due along with when I had them reservice me, they made no attempt to inform me of the requested debt. XXXX had my phone, email, current credit information and current address on file and was still providing me service, but neglected to inform me or charge me of the amount they claim I owed at my current address. The XXXX XXXX XXXX attempted to contact me, and I truthfully thought they were a fraudulent attempt to acquire my credit information, as why would a collection agency be contacting me for my current service provider that never contacted me requesting payment and did not have any record of me owing it on my accounts along with still providing service while having my credit information on file to charge me at any time? I now understand, as of XX/XX/XXXX, that this collection company is legitimate, after speaking with their management, they are not willing to accept a pay in full for deletion letter, despite the lack there of in communication from XXXX leaving me not at fault for this collection request origination. After speaking with XXXX management, the same scenario, a company policy prevents them from contacting the collection agency, leaving no possible way to work out a pay in full for deletion letter.
Consumer complaint received 2022-06-17
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: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Equifax XXXX XXXX XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX XXXXXXXX XXXX XXXXXXXX  The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1994 ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX
Consumer complaint received 2022-03-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

Capital One will hold my credit card payments and assesses my fees later than expected/communicated within disclosures. I have made payments on the weekdays before processing times of XXXX on multiple occassions in past, and the payments post same day, and show as cleared from my bank. Those payments in past with Capital One would go through and become available same day. More recently now Capital One has started to hold my payments for 2-3 business days, and most recent they have communicated they are holding my funds on my payment for 8 business days and will not update my available balance. This has happened on smaller amounts $ 50- {$200.00} and now more recently a XXXX charge. The funds are showing as cleared from my bank that I sent them from. The representative of Capital One XXXX refused to provide options at first on the release of the funds and kept only repeating processing times. Kept avoiding their job because they " didn't feel respected '' because i'm asking the question " why did things change. " Then attempted to argue with me when I asked for different information and not just the processing times. The Capital One representative continued to act smart and try to provide limited information until I kept asking for other options. They never giving a clear explanation on why it would happen, just that the " systems do it that way '' which raises questions to Capital Ones XXXX they use for processing and the impact it has on other borrowers. I never had the issue barely a year ago and now it happens frequently. Capital One will also wait to assess fees and interest to my account past the 4-business day assessment. How is this fair? I have noticed that I will make a payment by the XXXX. Not including non-processing days/weekends/holidays. 

Example I have of this. In XXXX, I made my payment on XX/XX/XXXX to Capital One for {$350.00}. My payment date is communicated as XX/XX/XXXX, with 4-business days. I noticed in XXXX that something seemed off on the assessment of payments and fees, because there is a lag. I took a screenshot of my account latenight on XX/XX/XXXX and the interest had yet to be assessed. Seeing the interest was not assessed I tried to process another payment of {$25.00} on XX/XX/XXXX. Once I made that payment, no update. Then I went back in early morning XX/XX/XXXX the fees showed as if they had posted on XX/XX/XXXX with everything else. All day I could not see the fees and then they update on XX/XX/XXXX.
Consumer complaint received 2022-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

I have sent dispute letters to XXXX, XXXX, and experian I have sent an follow up letter and I have not received an response from any of them and it has been past 30 days. This has caused an adverse effect on obtaining financing or obtaining a job. Please find attached letters sent to all 3 credit bureaus
Consumer complaint received 2022-02-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (IL)

I have had a lot of problems with Fedloan and the PSLF temporary waiver process. They gave me conflicting information over what I should consolidate. I called twice and it took over two hours to reach someone. I consolidated only my FFELP loan in to a direct loan but now they wont answer my emails. I keep sending them the letter where they approved my employment under the PSLF waiver but they keep saying I need it. They have not updated any payments toward my loan and they have not transferred over my large Direct Loan from XXXX XXXX. XXXX XXXX got my loan from XXXX without my consent. They also sent me a letter indicating that I should perhaps consolidate the FFELP with the prior direct loan but I did not do that because their person on the phone said not too. This waiver program is a mess. They processed my application in XXXX and they approved my employment. Now they say they just got my application and have not confirmed my employment. I sent them copies of their own letters and they refuse to answer my emails? I should have at least one loan that should be forgiven as I have worked for a state university since 2007. They are giving bad advice, dont understand the waiver, not answering emails, and not updating anything. Please help as this program is a mess. Thanks. XXXX XXXX
Consumer complaint received 2022-02-02
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (FL)

I filed a complaint with the CFPB regarding my insurance being paid to the wrong company and my insurance potentially being cancelled. Today I received word from my insurance company that they have not received payment and my insurance has been cancelled. I escrowed my payment to Cardinal and they were responsible for paying this bill. I requested the ability to pay it myself and was denied because allegedly my loan balance is not less than 89 % of the value, which is not true.
Consumer complaint received 2020-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MO)

On XX/XX/2020 I mailed out letters for each dispute for many accounts on my report via regular standard mail. Upon checking my online portal about 10 days later, I noticed that there had never been an investigation reported and opened. SO, assuming there was a delay with the system being updated, I patiently waited another 5 days and to my shock, there was still no mention of an investigation and I had not received anything in the mail. But this comes as no shock I guess because this isn't the first time I have tried to resolve issues and went unheard before. Anyway, On XX/XX/2020 I decided to send a follow up letter certified USPS with tracking number XXXX XXXX XXXX XXXX XXXX, requesting the accounts that were inaccurate and unverified be removed. And instead of opening the investigation, on XX/XX/2020, Equifax sent a letter stating they could not locate my file, however they mispelled my last name which I believe was intentional because that is not what I sent in. Furthermore, even though my ID and W4 was included with each dispute. It seems this is always a stall tactic when they have lapsed the allowable time by law. I just don't understand why I am being denied my consumer rights per the law. 
The accounts included : XXXX XXXX XXXX {$5400.00} ; XXXX XXXX XXXX {$2800.00} ; XXXX XXXX XXXX {$170.00} ; XXXX XXXX XXXX {$1700.00} ; XXXX XXXX XXXX {$4000.00} ; XXXX XXXX XXXX {$2800.00} ; XXXX XXXX XXXX {$4600.00} ; XXXX {$74.00} ; XXXX XXXX XXXX ; XXXX XXXX {$810.00} ; XXXX XXXX ; Federal Court # XXXX