davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-23
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)

The important and pertinent information are all in the 2 attached documents. Please review the letters and act on them by contacting the credit reporting agencies poste haste. The three major credit reporting agencies, besides others, have no regard for consumer or federal laws. These goliaths are arrogant and well-capitalized and their actions or lack thereof are bordering on what can be considered evil ; their lobbyists draft bills, which later become laws, in their favor while still flouting many laws despite the fact that they were created with a great degree of unfairness to the consumers.

The three credit reporting agencies refuse to right the wrongs on my credit reports.

All I require is that the credit reporting agencies immediately delete the derogative credit/finance entries listed below ; 1. XXXX XXXX XXXX : Closed Account # XXXX 2. XXXXXXXX XXXX XXXXXXXX : Charged-off/Closed Account # XXXX and 3. XXXXXXXX XXXX : Charged-off/Closed Account # XXXX The above-mentioned ruthless credit reporting agencies are really tearing apart American families due to financial issues created by them by including outdated or incorrect credit and finance information on the consumers ' credit reports. 

I am glad that we, the American consumers, have a fine, tough and result-oriented organization like yours, the Consumers Finance Protection Bureau ( CFPB ), on our side. Thanks to the CFPB for providing us some measure of consumer protection.
Consumer complaint received 2021-10-17
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. (MI)

There are inquiries from XXXX XXXX and XXXX XXXX and XXXX XXXX on my Experian Credit report which do not belong to me or i did not apply for as a result I have placed a 90 fraud alert on my Experian credit report XX/XX/2021 with XXXX XXXX is not mine or I did not apply for and requesting it either be removed or provide proof I applied for this card. Included with the proof I am requesting by which method was the application i.e. online, via phone or in person, if online please provide the ip address. 

XX/XX/2021 with XXXX XXXX XXXX is not mine or I did not apply for and requesting it either be removed or provide proof I applied for this card. Included with the proof I am requesting by which method was the application i.e. online, via phone or in person, if online please provide the ip address. 
**There was a line of credit opened which I had immediately closed. 

XX/XX/2021 A XXXX  XXXX inquiry is not mine or I did not apply for and requesting it either be removed or provide proof I applied for this card. Included with the proof I am requesting by which method was the application i.e. online, via phone or in person, if
Consumer complaint received 2022-10-18
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION (IA)

I have Sallie Mae for a private student loan. Over the time I have had the loan I have been on a repayment plan before. During my reduced payment plan, I made every payment on time. At the end of the one year period, my payments went back up. I was able to scrape together the higher amount for a few months, but now have gotten behind. I called them several weeks before my next payment was due to tell them that I could not afford the payment, and asked what my options were. I was told that there was nothing they could do for me until I was over 30 days late. I missed the payment. I called back today ( over 30 days past due ) and was once again told that there was nothing they could do to lower my payment. I want to be responsible and pay, and they will not work with me whatsoever. The cosigner on my loan is my now XXXX grandmother who is on social security/fixed income and is unable to help me at all.
Consumer complaint received 2018-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I have tried several times to get the credit bureaus to assist me with removing a fraudulent bank XXXX that is showing on my report. I have provided them with proof of identity theft and steel I am being told that the information is reporting accurately on my account. This is unfair and not have all the credit bureaus are supposed to work, I I have tried several times to get the credit bureaus to assist me with removing a graduate bank XXXX that is showing report. I have provided him with proof of identity theft and steel I am being told that the information is reporting accurately on my account. This is unfair I am not how the credit bureaus are supposed to work. I am to consume and I have tried previously three times to remove my public record from my XXXX and Transunion reports. I have supplied the proper information to the credit bureaus as well as Ive disputed these items and I am still being told that XXXX XXXX is supplying this info to the bureaus and I know that this is not factual. I am requesting assistance from you all to help me get these items removed immediately because they are affecting me negatively and is hurting my chances of improving my credit.
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AZ)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXXXXXX Account Number : XXXX Delete this account. 

2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX Account Number XXXX XXXX Please remove it from my credit report. 

3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX XXXX XXXX Account Number : XXXX Delete this account. 

4. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account XXXX : XXXX Please remove it from my credit report.
Consumer complaint received 2022-10-12
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CURO Intermediate Holdings (CA)

Ad Astra Recovery Service reported me to 3 Bureaus. 
I don't know them. 
Never borrowed from them. 
No loan was ever taken from them or any other company on XX/XX/2020 as they claim. 
No demand letter ever sent to my address. 
I don't know this company. Ad Astra RecoverXXXX made a false report as to any loan I took, date I took or even amount I took. 
I never borrowed {$4700.00} from this company.
Consumer complaint received 2019-04-20
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: AMERICAN EXPRESS COMPANY (MO)

I have noticed that AMEX have placed an inquiry on my XXXX credit file dated XX/XX/2018, XX/XX/18, XX/XX/18 As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. I requested both AMEX and XXXX  to verify these inquiries. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC? 1681b ) for an entity to view a consumer 's credit report without a " permissible purpose, '' I am writing to inquire as to their alleged purpose, for doing so since I did not apply for employment with their organization nor did I request credit from their organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) states, in part, " in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure are { { {$1000.00} } }, whichever is greater ; ''
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Please remove this information from my credit report, this affects me a lot, I don't want to have it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-03
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. (SC)

Please be advised this is my THIRD WRITTEN REQUEST that in accordance with the FCRA I am enforcing my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite two written requests, the unverified item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you " verified '' that these items are being " reported correctly '' ; but have not provided a reasonable method of verification? I request for the third time that you provide the method of verification you used. A letter was never sent to my current address or METHOD OF VERIFICATION. I requested the following information : The name of the individual business address and telephone number of the person or business contacted during your reinvestigation. The name of the person who verified the dispute with the original creditor The documentation that was used to verify the dispute To date, you have NOT provided me a copy of ANY documentation ( Hard evidence that goes all the way back to the original creditor, not verification from a third-party database ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). In fact, under Section 611 ( a ) ( 7 ) you were required to provide a description of reinvestigation procedure. Under Section 611 ( 5 ) ( A ) of the FCRA you are required to " ... promptly DELETE all information which can not be verified. '' The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I fully intend on enforcing my rights under the FCRA. I demand the following accounts be deleted immediately. 
Name of Account : XXXX XXXX Provide Verification : XXXX XXXX  UNVERIFIED ACCOUNT
Consumer complaint received 2021-12-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Forest Recovery Services LLC (FL)

At the time of my Emergency visit to the hospital I had insurance at the time there should be no reason whats so ever to have a balance owed. This is affecting my my credit real bad and Im suffering because someone isnt doing there job right so I demand this to be taken off my credit report immediately
Consumer complaint received 2022-10-20
Product: Credit card or prepaid card — General-purpose credit card or charge 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. (CA)

I returned a car to XXXX, XXXX. Little was I prepared for the fraudulent shakedown I was about to receive from XXXX rental ( which is well attested on their internet reviews ). The clerk " found '' scratches and dings he said were not present before my rental and charged me {$1100.00}. In disputing this transaction with citibank costco visa officials I was told that the fraudulent merchant must agree to reverse the charges and that the matter was out of their hands. What a way to run a dispute -- - give all the power to the fraudsters! When I also pointed out that this card is supposed to carry car rental insurance I received no response. When repeatedly asked to please contact me directly to discuss details at no point was I personally contacted. I recommend avoiding citibank cards until they get their house in order and stand by their customers.
Consumer complaint received 2021-10-06
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. (FL)

On XX/XX/2021 I sent a letter to the XXXX to notify them that there are some inaccurate accounts as a result of a data breach on their credit report for me. This is well over 45 days ago and I am unsure why this fraudulent inaccurate information has not been removed from my credit report yet. This is also causing an issue because there are several companies stating that I owe money on accounts I have not opened. I sent the bureaus an identity theft affidavit, identification, and proof of address yet these inaccuracies continue to report. Please see the attached affidavit and information sent to XXXX.
Consumer complaint received 2021-06-23
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. (FL)

TODAYS DATE:XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXXXXXX XXXX, FL XXXX Equifax XXXX. XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX Dispute Department XXXX. XXXX XXXX XXXX, Texas XXXX XXXX Consumer Solutions, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX DEPT OF EDUCATION/XXXX  XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v XXXX, Stevenson v. TRW ( XXXX  ), and Richardson v. Fleet, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX FL XXXX
Consumer complaint received 2021-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Account # XXXX was closed. We received numerous from their collection agency. We paid it off on XXXX XXXX. They harassed us to pay this bill. We paid XXXX XXXX and they told us that within 10 days we would have the information updated on our report. That was not true. When we tried to speak to capital one about this, they said they have nothing to do with it. Now Capital One is holding our money and acting as if no payment has been received by them. They received the funds on the XXXX from XXXX XXXX. Our credit is being hostage even though we have paid this off. They are not updating our credit report on time. They said they clear this up within 30 days but that is not true. They say and do anything to get money from clients but then hold those funds and not report that accounts are closed. They are updating 60 to 90 days after the fact even though the money was received immediately. Someone should investigate Capital One AND XXXX XXXX for fraud
Consumer complaint received 2021-12-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

All three ( 3 ) CRAs are continuing to run my disputes regarding the inaccurate information supplied by XXXX through the XXXX  automated system, which simply updates data n credit files without verifying the accuracy of the information supplied by the data-furnisher. 

This process does not ensure the accuracy of the information and ignores the submitted documents, leaving the investigatory operations and document review entirely on the data-furnisher. 

That is, the CRAs are not conducting an independent investigation that evaluates the documents submitted. Submitted documentation is thus discarded by the CRAs in favor of " trusting '' the informatino supplied by the data-furnisher. 

The CRAs are supposed to conduct thourougha dn impartial evaluations of ALL documentation submited with a dispute and to conduct their investigation that reviews the documents submitted. By ignoring the documentation, or leaving it to the data-furnishers to inspect the validity of supplied documents, the CRAs are violating basic principles of due process -- it harms consumers.
Consumer complaint received 2022-10-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (FL)

I filed a claim for several unauthorized charges on my Discover card about 60 days ago, they have treated more like a criminal. Interrogating over and over. They credited my account and sent me an affidavit to sign after almost 45 days, then they called and said the affidavit was not signed by and they would send another one again. Every time they send one they tell its 7-10 days to get it but instead its about 2 weeks. Till now I have not refined the second affidavit, my account is closed they have refused to reopen it even tho I kept my account in excellent standing. This has been a grueling process, the charges are completely fraudulent and that was easy to prove but for them to advertise 0 liability for fraud and then make a customer to go through this is absolutely ridiculous.
Consumer complaint received 2022-09-02
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Possible Financial Inc (FL)

I took out a payday loan with Possible Finance in XXXX XXXX. Shortly after opening the account, I switched bank accounts. 

We experienced a loss in the family and I had forgotten to update all of my accounts with the new bank information. I had attempted at several different times to get the payment method updated on the app and it would not allow me to. There is no way to contact Possible without submitting a ticket online. 

Again, not thinking this was a big deal, I did not submit a ticket and figured I would try again in the future. 

Today, XX/XX/2022, I noticed my credit report stating I was 30 days past due on the account and it has negatively affected my credit. Immediately, I logged into the app again and tried to change the bank account information. This time it allowed me to change the bank but would not allow me to change the payment method. 

With there being no way to directly speak with someone and escalate concerns, I am not sure how Possible is compliant with Fair Debt Reporting.

They want their money so badly, but force customers to jump through hoops to make the payment and punish them when they switch bank accounts and forget to update the information. 

The money is and has been sitting in my account with XXXX XXXX ready to pay Possible and now I am negatively impacted by Possibles subpar user interface!
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-06-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is to inform you that I XXXX XXXX is a victim of Identity Theft and pursuant to FCRA Sections 605B, 615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanently block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victim 's credit report. It will also make sure that these debts do not reappear on the credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. A copy of these sections is enclosed, and pursuant to FCRA 605B ( 15 U.S.C.1681c-2 ) Block of Information Resulting from Identity Theft, except as otherwise provide in this section a, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information resulted from an alleged identity theft