davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-09
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/XXXX a 30 day late payment was reported on my Transunion credit report on a loan with the company XXXX XXXX. This was not accurate and I opened a dispute with Transunion and provided documentation that showed the payment was not 30 days late as reported and requesting it to be removed. Approximately 30 days later I received an email stating that the investigation had been completed and as a result the late payment was removed from my report. I checked my report and confirmed it had been removed as stated. Four days later on XX/XX/XXXX I received a credit monitoring alert stating that a 30 day late had been reported. When I checked my Transunion report, the same 30 day late that had been removed on XX/XX/XXXX had returned. I called Transunion and was told that while their investigation did in fact remove the late payment, it was re-added on the next monthly update from the lender. I asked for it to be removed again as it had just been investigated and found to be invalid just a week earlier and was told that Transunion can't remove items from my credit report. I questioned that since they had just removed it 4 days earlier and I was again refused and told I would need to open another dispute to have it investigated. Transunion has told me that I will have to open a new investigation literally every month going forward to have this removed each time individually. This is ridiculous. I opened the dispute, Transunion performed their investigation and determined the report to be invalid and they removed it. Now 4 days later it's back and they are telling me they can't remove it or block it from recurring. I am asking for the CFPB 's support in getting Transunion to remove and permanently block this reporting as it was already determined invalid by their own investigation.
Consumer complaint received 2022-03-14
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. (CA)

There are fraudulent accounts still reporting to my credit report. Some have been removed already but the following accounts reporting are fraud. Accounts XXXX XXXX Opened XX/XX/XXXX Amount {$16000.00} XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Amount {$22000.00}. These been reported multiple times and proof of fraud have been submitted I've reached out to both banks via email and they both replied and emailed my agreeing those account do not belong to me
Consumer complaint received 2023-02-06
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 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 XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-05
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The letters are stated with items and issues.

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 2022-12-15
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)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.I have XXXX XXXX  with XXXX XXXX XXXX XXXX I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report for the month of XXXX, XXXX, XXXX. I have read enough to understand my rights. The 3 Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX, Equifax and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP.
Consumer complaint received 2021-09-23
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Navient Solutions, LLC. (MO)

I attended XXXX XXXX and graduated with a worthless degree in XXXX. At the time they made promises about Job placement, expected income growth, accreditation, credit transferability ( if that is a word ) and the acceptance of there degrees within the IT workforce. All of it was lies. 

Dept. of Education : I have since paid off my federal FFEL loans and since they are at a {$0.00} balance I can't consolidate them into a " direct '' loan for refund of the almost XXXX ( estimate ) I have paid over the last 12 years as part of a borrowers defense forgiveness through the Dept. of Education with President Bidens recent loan forgiveness for XXXX XXXX student. I am falling through a crack with that plan. 

Navient : I tried to file a closed school discharge with Navient that was denied because I had already completed my worthless program before the school filed for bankruptcy. 

It is well documented that these loans private and federal were fraudulent all of the courts have already decided that ( CFPD included ) I don't know who to chase anymore. Navient just keeps redirecting my calls to debt collectors, debt collectors refer me back to navient, and XXXX is closed. 

Also there was appearently a class action suit? that was settled in XXXX that I would have been included in, but I moved in XXXX and my servicers did not have accurate address information. I have received no notifications about this suit or do not know how to follow upnon any disbersment from it.
Consumer complaint received 2023-02-06
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 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 XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I have reached my breaking point with Bank of America and the way they are fraudulently handling my account. Bank of America ( BOA ) have taking authorizations and deducted them from my available balance ( which can be observed just by looking over snapshots of the past 3 months ) and after the authorization falls off, BOA never adds the funds back to my available balance. For example, on XX/XX/21 I had an available balance of {$8.00} with other transactions processing which has already been subtracted from the available balance. I then transferred XXXX from my other checking account and none of my transactions from XX/XX/21 totaled XXXX, only to discover after making one transaction on XX/XX/21, I had a balance of XXXX minus XXXX I transferred to my XXXX Bank account on XX/XX/21. I have been constantly transferring XXXX 's of dollars in funds to this account only to have my funds disappear. On XXXX BOA charged me a fraudulent overdraft fee, which was impossible because my account had a balance of less than XXXX but it wasn't in the rear and I also transferred XXXX after checking my balance, the fee was debited back to my account on XX/XX/21 when I contacted them, but still I should not have to play watchdog with my account, when they are the company, I'm entrusting to safe keep my funds and oversee transactions.
Consumer complaint received 2021-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

Portfolio Recovery is reporting a debt on my credit file that I do not owe. I recently took a look at my credit and noticed that they are reporting several accounts on my credit file that are super old debts. These debts are past the credit reporting limit and under the FCRA this is a violation and must be removed.
Consumer complaint received 2022-03-02
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Social Finance, Inc. (NJ)

In the month of XXXX in 2021, my personal information was used to apply for multiple loans. One of which with a lender, Sofi Lending, was successfully processed and funds were wired out of my bank into some sort of cryptocurrency wallet. By the time I had discovered the fraudulent charges and activities, it was too late and the cryptocurrency platform/company had advised the transactions were not able to be reversed since the entity had withdrawn the funds funded by the lending corporation. 
I have tried since the end of XXXX leading into XXXX and up to date to resolve the matter directly with the lending company and bank. 
So far I have placed an identity theft alert and fraud alert on my accounts and closed my bank account that was infiltrated/hacked into. 
I have submitted affidavit forms with my bank and they should be under internal review/investigation. In the interim I do not feel comfortable with my credit being ruined as I have no previous history of ever missing payments or overdue balances on any of my legitimate credit lines. 
I have filed a police report and can provide copies of all documents as needed. 
The personal loan pulled under my information is for an amount I will not be able to manage and I strongly disagree that it should be my responsibility as I have not used any of those unauthorized funds to begin with. 
This is not only straining my life mentally and physically but financially it is definitely placing me in a very uncomfortable situation. 
I have been employed with the same company for the past 3 years and receive my compensation that it more than enough for me to pay off my expenses and still leave me with some to save on the side for my future financial goals. 
Please provide assistance as the lending corporation has not made any movement on their end even after I submitted the fraud packet back to them with all the documents they requested I provide. 

Fraudulent Loan was processed in the amount of XXXX. 
( 3 ) Unauthorized wire transfers were processed - taken from my account into a bitcoin wallet that is pretty much untraceable.
Consumer complaint received 2021-01-25
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. (GA)

I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. I am very disappointed. I will call my lawyer ASAP!
Consumer complaint received 2023-01-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Experian Information Solutions Inc. (IL)

I am contacting you about the compromise of my social security number. I am a victim of Identify Theft. I contacted the Federal Trade Commission and filed a complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Listed below : XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX
Consumer complaint received 2021-01-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

About three years ago I purchased phone and service from XXXX who gave me discount if I provided a credit card such that XXXX might charge it monthly. I gave my Bank of America credit card info to XXXX to use. Monthly they push messaged me advanced notice of date and amount due giving me opportunity to early pay by some other means. I received such notice on the XXXX of every month with a due date of the XXXX of the next month. My due date for any BOA credit card usage is the XXXX of every month. I never made direct arrangements with BOA to pay my XXXX bill. On XX/XX/21 I changed my payment arrangement with Tmobile over to a XXXX XXXX account not wanting to use my BOA credit card ( paid up to date no balance due! ). Sometime between XX/XX/21 and XX/XX/21 i got an email from BOA charging me {$49.00}, due XX/XX/21, for my next months XXXX bill. I called BOA telling them I switched my payment arrangement with Tmobile to Discover Card on XX/XX/21 as well as ask how they could bill me for a charge that had not been established as yet? Reminded them I had no arrangement with BOA to pay my bill.On XX/XX/21 I received my bill of {$49.00} from Tmobile due XX/XX/21. I called them to discuss BOA conflict. They removed my BOA credit card and replaced it with my XXXX car to be charged. I was told BOA was acting presumtuosly by charging me for a bill that was not generated yet. On XX/XX/21 I received another email from BOA reminding me that my new bill of {$49.00} for XXXX would be due on XX/XX/21. XXXX is no longer charging my account with my BOA card, they will charge my XXXX XXXX. Why has BOA sent me notice of this bill due on XX/XX/21? I will owe them nothing! Bad business practice.
Consumer complaint received 2023-03-20
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. (GA)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX Balance : {$10000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1500.00} ; XXXX  XXXX Balance : {$290.00} ; XXXX XXXXXX/XX/2022.
Consumer complaint received 2022-03-14
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. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-02-09
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC (AL)

An account with Phoenix Financial Services showed up on my credit report for an account with XXXX XXXX XXXX XXXX. I sent a letter via certified mail to Phoenix Financial Services, which the company received XX/XX/2020. The tracking number with USPS is XXXX. The company has not sent me any documents validating this debt. I requested the agreement between the collection company and the original creditor, the original contract showing that I legally owe this debt, an accounting record of all transactions and proof that this company is legally registered to collect in my state. I have received nothing from them. This account is still reporting on my credit reports.
Consumer complaint received 2021-03-31
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Receivables Performance Management, LLC (CA)

I ported my XXXX account to a different vendor on XX/XX/XXXX. I called my local store to let them know I ported and to obtain the remaining balance to the account. Since my pin was resetted on XX/XX/XXXX upon porting, I didn't bother to memorize or save pin. I didn't think I'd need it in all honesty. Well without the pin, it became a complete night mare of frustration. Countless, times I called, I asked to use my SS # to Identify me as that was not an option. I requested to speak to a manager various times, only to be placed on long paused holds, to advise me they are not available and they have the same access as them. At times I would be re-routed a number of 4x only to talk to the first person that initially took my call. I sent them a letter of validation since now I am receiving countless calls from the collection agency per day. They responded to my letter of validation with a bill and continue to violate the 30 day grace period. XXXX store agents, also stated they only handle sales, all billing related would have to be called in. Their customer service falls into deaf ears. 

Also I am not on a prepaid plan. I am going to provide helpful information to expedite and resolve this as quickly as possible. 

Client # XXXX ( with RPM ) Receivables Performance Management Current Creditor p1071 T-Mobile Balance Due : {$120.00}
Consumer complaint received 2022-03-02
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. (GA)

I have confirmed on XX/XX/2022 with XXXX XXXX XXXX that my account is NOT delinquent and it should not be showing as such on my credit reports and they have confirmed that they have no records showing that my account is delinquent yet it is showing as such on all three credit bureaus. This needs to be corrected.
Consumer complaint received 2019-12-07
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. (MI)

checked my credit and noticed and 1 account that does not belong to me and multiple inquiries. 

XXXX XXXX XXXX / date opened XX/XX/XXXX XXXX AMOUNT {$6800.00} UN AUTHORIZED INQUIRIES XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX