davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NC)

After disputing, Equifax removed a tax lien ( amount - {$570.00} ) from my credit report in XX/XX/XXXX. On Tuesday XX/XX/XXXX, I received an alert that the tax lien had been added back to my credit report. I immediately disputed online same day. I then called Equifax right after disputing online. After having to repeat information several times to the representative, I was told by that rep that tax liens are supposed to stay on reports 7-10 years after they 've been released. I repeated several times that Equifax had indeed removed it and it should not have been added back, especially since I did not receive the required 5 day notice. She could not explain to me why it was added back, just that the liens can remain for 7-10 years. She also told me that I had to contact whoever reported the lien. I then reminded her that is not required. I did not do this when I disputed before - I contact Equifax directly and Equifax removed it. She also thought that when I said " You '' meaning Equifax, that I was saying that she personally had deleted it. Again, I had to explain to her that I was referring to the Equifax, not her individually. Lastly, she stated that since I had already disputed online I had to allow the 30 days for the investigation. My final statement was that if the lien was not removed I would be contacting them back and I would be filing complaints.
Consumer complaint received 2017-08-14
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. (CA)

XXXX fraudulently reported several accounts on my credit reports using different names. Now, this company has re-aged this account on all of my credit reports ; making it appear that I had an account that was charged off in XXXX. They are reporting that I have negative payment history since XXXX. This is not true. The account was closed in XXXX. XXXX is reporting this false and incorrect information to XXXX, XXXX and Equifax.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Subject : Dispute of Inaccurate Information on Credit Report and Detailed Description of Verification Methods Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding the handling of my credit report dispute by XXXX Transunion, and XXXX. Despite my efforts to resolve inaccuracies on my credit report, I have encountered several issues that I believe warrant further investigation by the CFPB. 
Background : On XX/XX/year>, I submitted a dispute to XXXX Transunion, and XXXX regarding inaccurate information on my credit report. The items in question were not properly verified, yet the agency concluded that the information was accurate. I am concerned about the thoroughness and accuracy of their reinvestigation process. 
Details of the Complaint : 1. Inadequate Verification Process : Despite my detailed dispute, the credit reporting agency failed to verify the accuracy of the disputed information adequately. The verification process seems to lack transparency and thoroughness, which raises concerns about its compliance with the Fair Credit Reporting Act ( FCRA ). 
2. Lack of Detailed Verification Methods : I requested a detailed description of the verification methods used by the credit reporting agency, including the specific procedures, sources consulted, documentation reviewed, and criteria for validation. However, this information has not been provided, despite multiple requests. 
3. Timeline of Investigation : There is a lack of clarity on the timeline of the investigation, including key dates and actions taken during the process. This lack of transparency hinders my ability to understand how the investigation was conducted and whether it adhered to FCRA requirements. 
Desired Resolution : To resolve this matter, I request the following actions be taken by the CFPB :
Consumer complaint received 2017-08-14
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: Experian Information Solutions Inc. (TX)

Experian credit reporting agency is reporting a Chapter XXXX bankruptcy which does not belong to me. I sent a letter to the US Bankruptcy court in XXXX inquiring about the bankruptcy and they replied with a letter telling me that they do not report ANY INFORMATION to the credit bureaus. The court advised me that the credit bureau obtained this information independently. A copy of this letter from the bankruptcy clerk is attached. I sent a letter to Experian requesting they delete this inaccurate bankruptcy information and they refuse to delete it. They claim the information was obtained from XXXX XXXX. I contacted XXXX XXXX, who informed me that had put a security freeze on my data file because my information may have been used fraudulently. I have also attached a copy of the letter from XXXX XXXX. Experian credit reporting agency is also reporting an account from XXXX XXXX. I have written several letters to XXXX XXXX at the address listed on the credit report and those letters were returned to me " undeliverable ''. I sent this information to Experian and they refuse to delete the inaccurate account from my credit report. According to the Fair Credit Reporting act, ALL INACCURATE UNVERIFIABLE INFORMATION SHOULD BE DELETED FROM CREDIT REPORTS. Experian has simply ignored my request. I have uploaded/attached all copies of letters and documentation to support the above.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I recently reviewed a copy of my credit report and noticed there were fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to purchase a home, obtain personal credit and small business funding.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ).

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. 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 2019-03-04
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (GA)

The issue started on XX/XX/19. I received a letter stating that my loan would be going into litigation because of the delinquency. Prior to this letter I had explained to Navient that I could not afford the {$560.00} a month payments. I begged them for lower payment options that I could afford. They only offered me the option of forbearance payments until I could no longer make them on the account. I was so afraid of my wages be garnished I sent in all of the required documentation to have the payments lowered to {$350.00} a month for one loan! I was told by the rep who was helping during the process that submitting all these documents would help get the loan reduced because I would be left with very little cushion for the month ; he lied. I literally have only a {$120.00} left per month after all expenses are paid.I have no money available in case of a financial emergency. I have no money saved because I basically live paycheck to paycheck. I have inquired for so long about lower payment options and I have gotten no assistance in the matter. I can not afford to make these payments for very long. The interest rate is outrageous. I originally borrowed {$18000.00} and I now have to payback {$45000.00}. I need help please. Navient has been of no assistance and I can not continue to make such large payments for that one loan when I have several others that I will have to start repayment for soon.
Consumer complaint received 2017-08-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Focus Holding Company (MA)

After less then one year XXXX 2016 with XXXX XXXX, I received a bill with a {$69.00} increase. My account number is XXXX. I refused to pay because my contract with them on page 4 section 5 states that without written notice they can not increase my cost. I have copies of ( three ) to be exact of day -- date -- time and who I spoke to at XXXX XXXX and was told by all the people too bad you have to pay it. I have since signed up with XXXX. I am a member of XXXX XXXX and my XXXX credit card also keeps track of my score. Last week I received a notice from both stating that my rating which was well over XXXX dropped by over 60 points because of a {$600.00} debt to XXXX XXXX by a collection agency name Focus RM in XXXX XXXX XXXX XXXX. A XXXX XXXX owns this agency. How is it that without any written notice NO phone call to ask if I have proof that XXXX XXXX broke the contract and NO XXXX LETTER can ANYONE AFFECT MY CREDIT WHICH HAS BEEN WELL OVER XXXX for years.
Consumer complaint received 2024-09-03
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (CA)

Hello, I need help regarding my Citi bank credit card with account number XXXX. Citi bank requested signed documents from me to verify my account. I sent them those documents, but they still closed my account. Please help me to reopen my account. I don't see a valid reason to close account if they have all signed forms, to process verification of my account.
Consumer complaint received 2017-08-14
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Thunderbird Collection Specialists, Inc. (AZ)

XX/XX/XXXX, A call was transferred to me stating it was XXXX XXXX from XXXX XXXX in XXXX, Arizona and she needed to speak with you. When Representative started speaking, it made me assume my husband was in the hospital. Then XXXX XXXX went into a discussion that she is attempting to contact my husband for debt from XXXX and XXXX. I informed her I do n't discuss my husbands bills and she needed to speak with him. She said if I do n't hear from him by XXXX today, I will have to turn you in and this will also destroy your credit since you are married to him. I hung up, text my husband and asked why am i getting a threat at work when its not my bill. My husband reached out to the company, they were rude said that the company wants their money and its been 3 years. XXXX XXXX explained to my husband they pulled my credit report, and was like WOW I 'm impressed that i could buy a car, she refinance her house, and she was doing very well for herself. She then states to my husband that she pulled his credit and said looks like your trying to clean up your credit I see. I did n't give permission for this collection company to pull my credit, I never provided my social security to this office or the XXXX center. All I have ever provided was my insurance card as i was the cardholder. XXXX XXXX threatened my husband if he did n't respond back by Friday she will start garnishing his wages. I called XXXX XXXX back to go over the dates as my husband was in no hospital or had XXXX in XXXX. XXXX XXXX informed me it was a mistake on their office they will fix the date. At this time I asked XXXX XXXX who are you calling from as I was not informed of the Company name at the time of our first discussion. She informed me she worked for TCS. We hung up and I researched company online. I was given acknowledgement that TCS had faxed my employer twice for Job Verification, included my social security on fax that was accessible to the public. XX/XX/XXXX, a call was left from TCS from a XXXX XXXX at XXXX XXXX. I was not at work so I did not receive the message until XX/XX/XXXX. I received mail on XXXX, showing that I was the patient, it was my procedure. I did not have XXXX with XXXX XXXX. This company is putting false information. XX/XX/XXXX, I faxed a cease and desist communication to TCS to not contact me or my employer. confirmation fax received that company received.
Consumer complaint received 2017-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

Upon receiving my credit report, Ive discovered the following addresses are STILL listed incorrectly on my credit file. The following addresses are reporting incorrectly and must be removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX
Consumer complaint received 2017-07-15
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Submitted a letter of dispute to this company via certified letter and never received a response back from them and they continued to report the same disputed information on my credit reports without noting that I was disputing the information.
Consumer complaint received 2017-07-15
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. (ND)

I am a victim of identity theft and XXXX personal loan accounts is listed on my XXXX XXXX, XXXX and Experian credit report that 's fraudulent, unauthorized and do n't belong to me. The following accounts are fraudulent and unauthorized : The XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, Loan Account Number : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX, Loan Account Number : PL XXXX
Consumer complaint received 2017-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (ND)

My XXXX/XXXX XXXX credit card account ending in : XXXX has an inaccurate balance of {$1500.00}. My XXXX account, should have a current balance of {$0.00}. My XXXX XXXX credit card account has an inaccurate balance of {$1000.00}. My XXXX XXXX credit card account, should have a current balance of {$0.00}. Furthermore, I want the following personal information added to my XXXX and Experian credit report : Employer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ND XXXX, Position : XXXX XXXX XXXX XXXX, Annual Salary : {$150000.00}
Consumer complaint received 2017-07-15
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ND)

I have been the victim of identity theft and have made Transunion aware of this problem. Transunion has been very nasty and made remarks disrespectful to my race inquiring that my people always do this. They have hung up the phone on me numerous times. I have sent in prove of identity theft and asking for inquiries to be removed from my credit report that are unauthorized. They said consumers have a right to report information rather I authorized them or not. They make it hard for certain people to get information removed from their credit report. They removed the student loans due to the company admitting that they were indeed not my accounts and belonging to someone else with a similar name. They removed the accounts then added them back. I will be filing a lawsuit along with a group of people who also have the same issues. Transunion makes it harder for certain groups of people for reasons that are unlawful.
Consumer complaint received 2024-09-02
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)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT I Recently my credit report and found inquiries that i did not initiate along with an account from XXXX XXXX. I Submitted an FTC report and am now demanding deletion of these fraudulent accounts, as they have damaged my creditworthiness caused me anxiety and mental stress, impacting me from utilizing my credit. IN PURSUANT TO 15 USC 1681C-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I Will also be seeking compensation for the damages caused to me. Defamation of Character : {$1000.00} XXXX XXXX  : {$1000.00} Impending Usage of Credit ( Creditworthiness ) : {$1000.00} for a total of {$3000.00} IN PURSUANT TO 15 USC 1681N Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) 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 or {$1000.00}, whichever is greater ; *This is a Correction to the previous Dispute.
Consumer complaint received 2017-07-15
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Neon Newco Corporation (OH)

I had XXXX PayPal prepaid cards that were supposed to link the cards together so that I could have access and my mother. The cards were on XXXX separate accounts even though the information was the same and that 's not what I was told would happen and then they cancelled the card with money on it so now my money is being held hostage there 's no way I can get to it
Consumer complaint received 2016-07-27
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: RABOBANK, NATIONAL ASSOCIATION (CA)

Identity thief With the bank help, my name was forged and I lost over $ XXXXout of XXXX banks. Sheriff Department called it a civil case. I am a XXXX year old service connected veteran, my attorney help sell me out also, I need a federal investigator. XXXXXXXXXXXX
Consumer complaint received 2021-09-14
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.
Consumer complaint received 2017-07-14
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (FL)

Each year i was given a choice on how much of a loan I wanted, books, tuition, room and board, food ... no parental supervision around me I chose to take the maximum that was available to me thinking i have 4 years before i need to pay anything back. while attending XXXX XXXX I visited my guidance counselor several times a year looking for guidance on what my career path should be. The proper guidance given my results from the numerous test they gave me should have been to leave purdue and attent a XXXX XXXX and enter the work force. After 6 years and 5-7 changes in my major I graduated XXXX and and wound up going back to school to become a XXXX XXXX. Now in the work force I owed over {$50000.00} working in my dream job making {$10.00} per hour. no choice but to deffer it as long as i could. now I owe over {$100000.00}
Consumer complaint received 2017-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC. (CO)

In XX/XX/XXXX, I cancelled cable services with XXXX XXXX XXXX XXXX. I shipped the DVR back to them a few days late. As a result, I was billed {$680.00} for the equipment. I mailed copies of XXXX shipment receipt to XXXX XXXX XXXX XXXX, and all three credit agencies including : XXXX, Equifax, and XXXX. Unfortunately the charge remained on all three credit reports for seven years. The charge was scheduled to be removed in XX/XX/XXXX from all agencies. When I asked for the charge to be removed it was extended to XX/XX/XXXX. XX/XX/XXXX is half over and all three agencies have extended the charge to XX/XX/XXXX. Seven years have passed. Please assist me in removing this negative item from all three credit reporting agencies. I have another item through XXXX XXXX XXXX phone services in the amount of {$93.00}. I spoke with the collections agency for XXXX XXXX XXXX and they assured me the charge would be removed once It was paid. I paid the item in XX/XX/XXXX and it still remains as a derogatory account with all three credit agencies. Please assist me in removing this negative item from all three credit reporting agencies. I will fax prior and current credit reports detailing these items. Your assistance in both matters are much appreciated. Thank you, XXXX XXXX