davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-14
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. (AL)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$590.00} XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXX Balance : {$19000.00}
Consumer complaint received 2022-12-14
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. (AL)

I have submitted several requests to have inaccurate information removed from my credit report which has been met with some success and otherwise resistance to remove all inaccurate information. There is incorrect personal information on my credit report, inaccurate account details that are not legally permitted to be reported the way that they currently are, and unauthorized inquiries. My credit report is not a game, and should be updated to reflect accurate information as required. Transunion also failed to conduct the legally required full investigation into the items that were disputed which is unacceptable.
Consumer complaint received 2021-06-09
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. (DE)

There are several inquires reporting on my credit profile that are fraudulent and does not belong to me. Below are the fraudulent accounts : TransUnion : XXXX XXXX XXXX other than personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Banks and XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX : XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Banks and XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2020-05-06
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION (PA)

I was affected by COVID-19 and requested assistance from Credit Acceptance. Asked them to defer payments as per PA cares. They refused assistance, just kept asking for payment. They showed no empathy and did not even ask how I was affected.
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. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2022-12-14
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

DEAR CFPB ; CRA 'S ; BANK OF AMERICA ; I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I honestly do not believe to ever have any relationship with this collection agency or original creditor. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Consumer complaint received 2022-12-14
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. (AL)

I submitted a letter to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$590.00} XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXX XXXX : {$19000.00}
Consumer complaint received 2020-12-07
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

Below is an e-mail I sent to on XX/XX/2019 to loan care after they finally provided me with an e-mail. I attached supporting documents to support my case. The issue was never resolved. Calling the company proved futile. Due to a job relocation, I bought a new home with a much higher APR due to my affected credit score. This is affecting how a purchase moving forward. 

Regarding loan number : XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, MA XXXX XXXX XXXX XXXX tarnished my credit score my sending an inaccurate account to Equafax stating I did not pay three months. PLEASE, Im begging at this time that this be removed. I went from a XXXX credit score to XXXX because of XXXX, this has affect the purchase of a new home, caused months of emotional anguish, humiliation, frustration and anger. 
PLEASE, after many many attempts to get this correct and speaking to various customer service reps who all have told me different things and given me all different information, I finally received an e-mail to direct this to.
Consumer complaint received 2022-05-04
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Southern Management Systems Inc. (FL)

HELLO TO WHOM IT MAY CONCERN IM CONTACTING YOU ABOUT XXXXXXXX XXXX XXXX FL XXXX BETTER KNOWN AS SOUTHERN MANAGEMENT COLLECTION AGENCY.THEY CONSTANTLY CALL MY PHONE DEMANDING ME TO PAY A DEBT OR I WILL BE PROSECUTED ACTING LIKE ANOTHER COMPANY ASKING FOR ANOTHER NAME AND I TELL THEM WHO I AM THEN THEY SAY I HAVE A DEBT WITH SOUTHERN MANAGEMENT VERY RUDELY AFTER I HANG UP THEY IMMEDIATELY ATTACT MY CREDIT REPORT AND THEY WONT STOP I HAVE DISPUTED THIS MATTER WITH XXXX, XXXX, XXXX NOW XXXX AND XXXX WAS REMOVED.THE COMPANY NEW THOSE DISPUTE 'S WERE REMOVED EXCEPT XXXX THE LAST TIME THEY CALLED ME THEY TOLD ME THAT XXXX WILL NOT BE REMOVED IN A DISRESPECTFUL DISTASTEFUL MANNER AND ALSO TAUNTING ME ABOUT KEEP HITTING MY CREDIT THE REST OF XXXX AND MORE THEN HUNG UP IN MY FACE.
Consumer complaint received 2021-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Early Warning Services, LLC (MD)

On XX/XX/XXXX I tried adding my wife to my XXXX XXXX bank account and it was denied. we were told that we would receive a letter in the mail explaining why she was denied. Instead we received a letter from the bank that said to contact early warning systems. we contacted them on XX/XX/XXXX, and we were told it would take 15 days. I understand when the law was passed it took time but with the advent of computers, internet, and email the time frame to send out the reports should be reduced to XXXX to XXXX business days. Additionally, the banks should have to directly provide the information in a letter instead of saying to contact the third party company.
Consumer complaint received 2021-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TN)

I reported to XXXX  and Experian about a inaccurate debt/account on my file. The account in question is in no way related to me. I don't owe anything or have ever used any of the collection agency XXXX XXXX XXXX  XXXX XXXX or original creditors ( XXXX XXXX XXXX services. 

However they didn't do their due diligence in reporting/investigating. 

They have me confused for my father. Whom shares the same exact name as me. The debt/account is owed by him for services that he used and in no way relates to me.
Consumer complaint received 2021-01-21
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. (NC)

I am having major issues with my name and addresses on my credit profile. My CORRECT NAME IS : XXXX XXXX XXXX please delete remove any other variations of my name. I have a few addresses that I never lived at on my credit file they are fraudulent addresses, please delete : XXXX XXXX XXXX, XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX XXXX, XXXX XXXX, NC XXXX XXXX XXXX XXXX, XXXX XXXX, NC XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX My current and only address is XXXX XXXX XXXX XXXX NC XXXX.
Consumer complaint received 2020-12-07
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: AES/PHEAA (FL)

In XXXX of 2020 Fedloan Servicing deleted student loans from my consumer credit report as a result of not being able to properly validate the accounts. I have contacted Fedloan Servicing via mail on XXXX of 2020 notifying them that I am deserving of remedy under the Fair Credit Reporting Act, 19 U.S. Code 1681b and years of defamation of character.
Consumer complaint received 2020-12-07
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: EQUIFAX, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$20000.00}, {$18000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- INSTALLMENT LOANS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$20000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$18000.00} -This is not my account.
Consumer complaint received 2021-02-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (AZ)

I have been making monthly payments of {$1000.00} since XXXX XXXX {$120000.00} ), and had made smaller payments since XXXX. The original loan amount was {$67.00}, XXXX XXXX. To be clear, my loans have NEVER been delinquent or late. I should have had my loans forgiven last year as I have made over XXXX on time payments, and worked for two qualifying employers for now 22 years. However, the records from FEDLOAN Servicing incorrectly reflect that I do not qualify under the Public Service Loan Forgiveness Program. The two main errors the company is commiting are advising me that 1 ) " Your Payment Was Received Outside of Payment Period Window, and 2 ) " You Do Not Have A Bill Due For This Payment Period. '' I have NEVER been late with my payments, and in fact I prepaid the amount due for my loans so it is impossible for any of my payments to be outside the payment period window. Secondly, I have never had my loans under a forbearance or deferral so my payments should have been counted. Again I have made OVER XXXX qualifying payments and met all the criteria for qualifying under the Public Service Loan Forgiveness Program.
Consumer complaint received 2021-01-21
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (MD)

I have an account with Coinbase for the last 3 years. Recently, I am unable to open the account and transfer funds. I reached out to the company via the contact us option and each time they get back saying things are fixed but not really. 

While logging in to the account it asks for 2 step authentication SMS and I am not receiving any text. I verified the account with Coinbase by state ID but not a good response. 

At this point, I am not sure what is happening and want to access or close the account ( transfer the fund to my personal bank account ) Steps taken Issue reported on XX/XX/2021 : Issue reported again XX/XX/2021 : Issue reported again today XXXX XXXX XXXX They do not have a customer support for Account issues.
Consumer complaint received 2021-05-18
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)

Equifax XXXX XXXX XXXX XXXX XXXX, GA XXXX To whom it may concern : The following account/alleged debts are reported to my consumer report, I, the consumer did NOT give Equifax any written instruction to do so. This action is an infringement on my right to privacy, and each a violation of the Fair Credit Reporting Act. I have also included the law for the mentioned account showing I was the original creditor and no debt was/is owed to the alleged debt collector. 

Under 15 U.S.C. 1681b Permissible Purpose of Consumer Reports ( a ) In General Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Under 15 U.S.C. 1681 Congressional Findings and Statement of Purpose ( a ) Accuracy and Fairness of Credit Reporting The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for a consumers right to privacy. 

Under 15 U.S.C 1691a Definitions ; Rules of Construction ( d ) The term credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debts and defer its payment or to purchase property or services and defer payment therefor. 
( e ) The Term creditor means any person who regularly extends, renews, or continues credit ; any person who regularly arranges for the extension, renewal or continuation of credit ; or any assignee of an original creditor who participates in the decision to extend, renew, or continue credit. 



As previously stated, I gave no consent to report this account or its balances to my consumer report, and no consent on my behalf is identity theft. A copy of these laws are included with this dispute letter. I am demanding a deletion of the account reported opened on XX/XX/2014, CLOSED AND CHARGED OFF
Consumer complaint received 2020-12-07
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: PNC Bank N.A. (PA)

In XXXX of 2020 I purchased an item on-line using my PNC Visa Credit Card. The item that was sent to me was not as described, not even close. I have provided 31 pages of communication with the company that I purchased the item from but as of today, XX/XX/2020 the dispute has not been resolved. Several calls have been placed by me to the PNC Bank dispute department and all I get is they are working on it. I provided the original advertisement showing a description and pictures of what I purchased and a picture of what was received. The company that I purchased the item from wants to refund me {$12.00} instead of the purchase price of {$61.00}. The company will not allow me to ship the item back, they refuse to send me a prepaid label or a return authorization. 
I am suppose to have protection against this type of fraud but apparently PNC Visa, even though they say I am protected, to date I am not. The case number for the dispute with PNC Visa is XXXX
Consumer complaint received 2024-09-16
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

On XX/XX/XXXX Bank of America withdrew {$450.00} from my checking account at their institution. The stated withdrawal was for 'recovery for forced closed account '. The account that has presumably been closed is not an account of mine. I can not /could not ever access the account and it is associated with another person. The only common link is that both the accounts are linked to my mother in some way ( she was a co-owner of my account when it was opened in XXXX under my name and XXXX when I was XXXX XXXX XXXX ). 

I have contacted Bank of AmericXXXX and even attempted to escalate the issue via phone call. 

Currently, they are unwilling to reverse/remove the charge from my account and state is is valid because someone owes them money. They also can not provide me information about the other account ( that owes/closed/etc. ) because it is not registered to me ( as one would expect ).
Consumer complaint received 2021-01-21
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: EQUIFAX, INC. (FL)

To Whom it May Concern : XXXX  XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX. XXXX  XXXX XXXX, GA XXXX XXXX, XXXX XXXX. XXXX  XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

Inquiry details XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Automobile Dealers, XXXX  XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX XXXX  Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXXXXXX  Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX + Auto Financing XXXX XXXX XXXX from XX/XX/XXXX + Personal Loans XXXX XXXX Inquiry from XX/XX/XXXX + Sales Financing Auto Credit Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Telephone Companies XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX XXXX XXXX from XX/XX/XXXX + Automotive XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX XXXX XXXX XX/XX/XXXX + Finance Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX SOC SEC : XXXX DOB : XX/XX/XXXX ADDRESS : XXXX XXXX XXXX, XXXX, FL XXXX