davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-06
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. (TN)

I have contacted all three Credit Bureaus/Agencies ( XXXX, Equifax, XXXX  ) and the Creditors ( XXXX/XXXX, ( 2 ) XXXX  XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX/XXXX, XXXX/XXXX, XXXX XXXX  XXXX, XXXX XXXX ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately
Consumer complaint received 2022-11-01
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. (TX)

The account and addresses was opened without my permission. 

Transunion Address XXXX XXXX XXXX XXXX XXXX  XXXX tx XXXX XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX Closed account XXXX XXXX XXXX  Date open XX/XX/2020 XXXX : {$15000.00} Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX
Consumer complaint received 2022-06-23
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 
I do not wish to have any telephone numbers on my report. 
Please remove all the other addresses off my report, as they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate. I have attached files which includes all updated personal information Sincerely, XXXX XXXX
Consumer complaint received 2023-03-23
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. (NC)

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, NC XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2022-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (KS)

XX/XX/XXXX Disputed with XXXX and BOA -no action taken BANK OF AMERICA XXXX {$0.00} showing LATE payment XX/XX/XXXX this payment was not late Please remove and update my file
Consumer complaint received 2022-06-23
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. (KS)

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

15 U.S.C. 1681 Section 602 A. States I have the right to Privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-06-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (IL)

This is a complaint about the added services that Chase Sapphire XXXX XXXX advertises. Specifically the travel benefits advertised. I am charged an annual fee of {$100.00} for these added travel benefits. The travel services have not been a benefit at all. 
I booked a flight, with points, for my father-in-law in XXXX which was cancelled due to his travel partner contracting XXXX prior to the flight. We cancelled the trip and the airline issued a credit through Chase XXXX in the amount of {$680.00}. This credit has been within the Chase system until today ( XX/XX/XXXX ) because we can only use it for my Father-In-Law. Again, the ticket was booked through my Credit Card ( XXXX XXXX XXXX for my father-in-law ( XXXX XXXX ). Chase offered no help or method of applying this credit to my account or issuing a refund for my account. In fact the only way I can use the credit is to call in and apply to a booking. This call in method takes hours. They also often times seem confused as to what or how there could be a credit and how it can be used or redeemed. I attempted to use the credit today and it no longer appeared on my account. When I called in to figure out why the credit was no longer in my account, I was offered no explanation but was pushed to book a new trip and my " unseen '' credit would be applied to the trip balance. When I attempted to book based on their parameters of it having to be used on my father-in-law and within a telephone call they informed me the round-trip flight I was looking for was not available. Not only is it available on the carrier 's flight, it is also available on the Chase rewards travel site. 

To summarize these are my main issues : 1 ) I pay a fee for the convenience of using these " preferred '' services.

2 ) These services are unhelpful and never resolve any of my issues 3 ) They are withholding funds/credits/points from me as the user and purchaser of goods and services.

4 ) Whenever I try to resolve this issue I spent hours upon hours attempting to figure out how to resolve. I am pointed into deadends and multiple avenues that never help.

5 ) I can not afford to let {$680.00} go to waste.
Consumer complaint received 2021-07-08
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Brightwater Capital, LLC (OK)

I received a voicemail on my XXXX voice line from XXXX XXXX leaving identifiable information about my debt. They said on the voicemail that it was file in his office with the file number and who the original creditor is. 

Then he called me on my main cell phone number. I answered and it was XXXX XXXX. He was not rude, but did not identify that he was with a collection agency, or even give the disclaimer " This is an attempt to collect a debt, any information obtained will be used for that purpose. '' He went full throttle into talking about the debt. I contested verbally over the phone the validity of the debt. They ignored that my valid balance was {$100.00}. He only wanted to discuss what XXXX XXXX XXXX sent over to him. I told him that my balance got down to {$100.00} and XXXX tacked on a lot of fees to keep my balance high and this was not the first time they did this. I told him that I would settle for {$100.00}, he said he could not do that and then passed me off his supervisor who was quite rude and condescending. I told XXXX before I was passed off without notice that XXXX is still dinging my credit as of two days ago. He said they should not be doing that, but he did not seem concerned. 

I reminded the supervisor that he was in violation of the FDCPA, but did not tell him that what violation, just that I had been a debt collector for 18 years, and I am very well versed in the FDCPA. He said that the most he was allowed to give was 25 % discount. I told him that they bought the debt for pennies on the dollar and by offering this tiny discount was a farce, because they could offer more. He got really rude and refused to listen to a thing had to say and hung up. 

I want these violations addressed and fixed. These individuals have no training in the FDCPA or they act as if the FDCPA does not pertain to them. I have the recording of this call if needed to verify my claims. I am in a one party state.
Consumer complaint received 2021-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.
Consumer complaint received 2022-06-23
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

This is my SECOND complaint regarding the violation laws XXXX and Transunion have down causing me to be affected harshly through credit denials. 

I have several inaccuracies and inconsistencies in the bankruptcy reporting on my credit report. Since XX/XX/XXXX I have been disputed the reporting with all XXXX credit bureaus as well the XXXX XXXX XXXX XXXX XXXX and LCI. 
XXXX quickly agreed with the inaccuracy and removed the reporting but both XXXX and Transunion have consistently responded to me with the same responses stating the bankruptcy has been verified. 
I sent letters to the courthouse the bankruptcy was filed to request how they go about verifying with the credit bureaus on reportings and they replied stating they do not furnish information to the credit bureaus. 
I then sent a letter to XXXX disputing the validity of the bankruptcy reporting and they responded by deleting the bankruptcy in XXXX stating they were unable to verify the accuracy. 
I contacted LCI because in my research, I found on Transunion 's website at XXXX : XXXX that they are furnish bankruptcies to Transunion, but they only furnish bankruptcies from XXXX to the present to Transunion and older bankruptcies are verified by Transunion from XXXX. I sent a letter to double check this and their response was that Transunion verified mine with XXXX. 
Both XXXX and Transunion have sent monthly responses to my dispute letters stating they verified the bankruptcy with XXXX. This is NOT POSSIBLE because XXXX deleted the bankruptcy back in XX/XX/XXXX. This means XXXX and Transunion are not and did not conduct an actual and proper investigation and are violating my consumer rights! Them continuing to report the bankruptcy is illegal! 

I'm attaching the letters I sent and their responses to this as well.
Consumer complaint received 2021-08-06
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: Experian Information Solutions Inc. (CA)

There is one account on my credit report that does not belong to me at all I have not opened used or know what this account is I need this off my credit report ASAP!!! 


XXXX XXXX XXXX - Acct # XXXX Amt {$0.00} Opened XX/XX/2018 XXXX
Consumer complaint received 2021-08-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I've had it with the bureaus, this is a correspondence that I need to send to XXXX XXXX and TransUnion. Please forward on as this is my final attempt at working things out with them. They continue to violate my rights. 

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & amp ; SECTION 617 This is the final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 
Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & amp ; Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. In addition, youve completely ignored the Comprehensive Credit Act of 2020 section 401 which makes mention of the fact that one must have an agreement for which all derogatory remarks are left on ones credit file. There are none for the following. The mere fact that my data was compromised during your data breach is enough for me to sue you alone. Im very unsatisfied and this needs to be resolved. 
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & amp ; 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
I demand the following inquiries be verified or deleted immediately. 

XXXX XXXX XXXX XXXXXXXX XXXX - {$290.00} * I've also NEVER made any late payments to XXXX XXXX XXXX, that needs to be reversed as well
Consumer complaint received 2021-08-06
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (UT)

I have been disputing accounts with the bureaus and have received no updates. Not once did I get any letters or were there any updates made to my credit file. There are serious inaccurate items that need to be removed. I have attached the latest letters sent but there have been more.
Consumer complaint received 2022-11-01
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-12-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (LA)

I moved out my apartment in XX/XX/2021 at XXXX XXXX apartments in XXXX XXXX, La. I was sent my final bill along with all fees and repairs and paid the full amount resulting in a XXXX balance. My account was sent to collections for a debt not owed And I want the account removed immediately.
Consumer complaint received 2021-08-11
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: DriveTime (FL)

Drive Time ( " DT '' ) Credit placed a hard inquiry on my crdit report. The inquiry is reflected on my credit report with at least 3 major CRAs. I requested that DT provide me strict proof, including a signed contract, via U.S. certified mail. I requested a reasonable review within 30 days upon receipt of my debt validation letter. I have not received a certified response from DT. The hard inquiry has not been removed within 15 days of my letter.
Consumer complaint received 2022-06-21
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. (IL)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX Co Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX and XXXX XXXX XXXX Account XXXX XXXX have all 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 2021-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MS)

I have disputed all credit cards and a XXXX XXXX XXXX charge-off with all 3 credit bureau and nothing changes. I worked hard to pay the credit cards balance down to a bare minimum to XXXX  balance on most cards as of a month ago. The XXXX XXXX XXXX account was settled and settlement amount has been remitted to XXXX XXXX who is XXXX 's Collection Agency. I have called XXXX to get a paid in full letter, but can't get an agent just voice mails and no return calls. 
I am tired of this vicious circle of nothingness. Please assist me in getting these items clear. My credit will never improve if the bureaus are not reporting correctly.
Consumer complaint received 2023-10-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (NC)

Prior to transferring to Mohela I was on PAYE. Following the transfer I noted Mohela switched me to 10 year installments with increased my monthly payment by about {$2500.00}. I immediately tried to enroll in the Save program through StudentAid.gov back in late XXXX. When my application wasnt processed by XXXX I contact Mohela which advised me to submit a verbal application with them ( which I did ). They then placed my loans on administrative forbearance. I called several times following and have submitted complaints through studentaid.gov stating I did not want to be in forbearance. I wanted to resume payments under the SAVE program. I was unable to accomplish this. Finally, my last message to Mohela resulted in them restarting my loans again under the 10 year rate with a due date of XX/XX/XXXX ( 3 days following this change ). Interestingly, my loans themselves are still listed in forbearance and Mohela has yet to contact me or send me any correspondence.
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

On XX/XX/scrub> 2024, I noticed hard Inquiries on my EXPERIAN credit report from 5 companies that I did not authorize to pull my credit report the list are as follow : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX .
Consumer complaint received 2023-01-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (TX)

This complaint is regarding accounts. Per track, it's been several months with no information given, no investigations performed, and timely updates. Violates federal 15 USC 1692gf. I never authorized or given permission per 15 U.S. Code 1681 ( b ), which violates permissible purposes moreover, 15 U.S. Code 1681e ( B ) The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reported.
Consumer complaint received 2024-08-24
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. (NJ)

I am writing to file a formal complaint against Experian for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX  XXXX XXXX Account Number : XXXX I have previously disputed the accuracy of this charge off account with Experian and provided evidence that the information is inaccurate. However, Experian has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 

Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. Experian 's refusal to comply with this law is a clear violation of my consumer rights.