davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (AR)

After checking my credit report I found an account listed from Macys/Citibank , N, A # XXXX where I was never provided ALL of the required disclosures or option to opt out under Title V of the Gramm-Leach-Bliley Act 15 USC 6801-6802 ( b ) ( c ) Title V, subtitle A, of this Act ( 15 U.S.C. 6801 et seq. ) requires the FTC, along with the Federal banking agencies and other regulators, to issue regulations ensuring that financial institutions protect the privacy of consumers ' personal financial information. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information U.S. Code Notes prev | next ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Consumer complaint received 2023-08-14
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: Experian Information Solutions Inc. (TX)

I am seeking assistance on a dispute that has been reported on my credit report to my knowledge since XX/XX/2022. I've disputed the inaccurate information with the creditors to no avail. I feel defeated and helpless at this point. I am asking that you take immediate action to correct the errors that you have made on my credit report.
Consumer complaint received 2023-08-11
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. 

XXXX Account Number XXXX, ( FRAUD ) XXXX XXXX Account Number XXXX, XXXX XXXX Account Number XXXX, XXXX  Account Number XXXX ( fraud ), XXXX  Account Number XXXX, XXXX  Account Number XXXX ( fraud ), XXXX XXXX Account Number XXXX ( fraud ), XXXX XXXX XXXX Account Number XXXX ( FRAUD ), XXXX XXXX XXXX Account Number XXXX ( FRAUD ), XXXX XXXX Account Number XXXX ( FRAUD ), XXXX  Account Number XXXX, XXXX  Account Number XXXX ( FRAUD ) XXXX XXXX Account Number XXXX, XXXX  Account Number XXXX, XXXX Account Number XXXX, XXXX XXXX Account Number XXXX ( was sold at auction with no balance, company never served me certified mail by law of a sale of vehicle, statue of limitation has exceeded also ), XXXX  Account Number XXXX ( FRAUD ), XXXX XXXX XXXX XXXX Account Number XXXX ( FRAUD ), XXXX XXXX Account Number XXXX, XXXX XXXX Account Number XXXX ( FRAUD ), XXXX XXXX  Account Number XXXX ( FRAUD ), 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 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 2023-08-14
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. (NC)

I submitted a letter to the Credit Bureaus to delete these suspicious items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX  XX/XX/2023 XXXX XX/XX/2023
Consumer complaint received 2023-08-11
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. (MD)

I have contacted Equifax for months about the following inquires showing on my consumer file. I have contacted Equifax repeatly to remove these false inquires. According to FCRA all of the information is suppose to be accurate. 
XX/XX/XXXX XXXX XXXXXXXX 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 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 2023-08-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AFNI INC. (VA)

I am not liable for this debt with Afni Inc. # XXXX, I do not have a contract with Afni Inc., they did not provide me with the original contract as I requested. I have sent two debt validations letters to Afni Inc . The first letter XX/XX/2023 and a second letter XX/XX/2023. XXXX XXXX XXXX XXXX # XXXX, is also attempting to collect on this same account. XXXX XXXX XXXX XXXX did not complete the debt validation letters, but instead I received a Fraud Packet today XX/XX/2023 dated XX/XX/2023. XXXX XXXX # XXXX is also attempting to collect on this same account as well. I sent them two debt validations letters. XXXX XXXX XXXX XXXXXXXX has not responded either. I have attached all correspondences regarding this XXXX account ( which includes Afni Inc., XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (VA)

Our state had national disaster. Homes flooded and some lost. 
I contacted my bank to let them know my XXXX payment would be late I paid it 12 days later on the XX/XX/XXXX. 

They reported my payment 31 to 59 days late on all reports.

I have included proof showing this info and proof of payment made and citi banks violating the fcra in regard to refusing to report accurately to my credit report. I would like the cfpb to fine them 3000 to me for the violation of this.
Consumer complaint received 2023-08-11
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (WA)

Select Portfolio Servicing bought my loan from XXXX XXXX on XX/XX/XXXX. I experienced extremely poor customer service such as receiving conflicting information on multiple occasions due to questionable processes SPS had set up. For example, without a request from me or a bill from my insurance company, SPS used funds from my escrow account to pay the insurance when my insurance was already fully paid until XX/XX/XXXX. Seeing that SPS processes are bizarre and unpredictable, I closed my escrow account with SPS and was told by SPS that a refund check in the amount of {$11000.00} was mailed to me ( regular mail ) on XX/XX/XXXX. Today is exactly 4 weeks and I still have not received the check to pay property taxes and insurance on my own. I did my part and informed SPS weekly over the past month that I had not received the check. I was told by an SPS supervisor that she requested reissuance of the check but the process of ensuring the prior check had not been cashed and issuing the new check is 30 days. How in the world does reissuing a check take 30 days? 
So I had waited 30 days for a check, and supposedly now have to wait another 30 days for the new check to be issued. And SPS insists that they send out refund checks by regular mail. And I was told to my face that, God forbids, if the next check does not come, I have to wait a full 30 days BEFORE I can request issuance of a third check. Theoretically, if I even receive the check at all at the end of that process, that's a full 90 days just because SPS does not want to spend an extra XXXX cents to buy a tracking number when mailing out a large check. I believe the regulation says that I have the right to receive my refund within 30 days after closing the escrow account. It appears that once the initial 30 days has passed, SPS has the duty to expedite and re-issue the check to me, after checking that the initial check has not been cashed ( which should not take more than 1-2 business days in this electronic age ). Kindly help me get my escrow refund money!!! XXXX XXXX dollars plus is a lot of money that SPS is insisting on keeping and in the meantime, creates bizarre deceptive processes.
Consumer complaint received 2023-08-14
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. (WI)

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 2023-08-24
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: Kwikcash, Inc. (SC)

To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible. 

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 2023-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (LA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX SSN : XXXX XXXX : XX/XX/XXXX To Whom It XXXX Concern, I am writing to formally dispute and address several inaccuracies and violations on my credit report, as well as to reiterate my rights under applicable laws. I believe that the accounts listed below have been inaccurately reported, and I am seeking the immediate removal of these unverified accounts from 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 I must emphasize the urgency of addressing these concerns. The inaccuracies and unverified accounts on my credit report have had a profound and distressing impact on my life. The financial strain caused by these errors has affected my ability to secure loans, housing, and even suitable employment opportunities. 

To illustrate the emotional toll, allow me to share a personal story. As I stood before my dream home, the culmination of years of hard work and sacrifice, I was met with the crushing reality of the negative impact these inaccuracies have had on my credit score. The lender 's hesitation, the doubt in their eyes, and the subsequent denial of my mortgage application shattered my aspirations. The weight of these errors has caused sleepless nights, overwhelming stress, and has taken a toll on my physical and mental well-being. 

I implore you to take immediate action to rectify these injustices. Under the Fair Credit Reporting Act ( FCRA ), it is my right to have accurate and verified information on my credit report. These unverified accounts not only violate my rights but also contribute to a cycle of financial distress that I am struggling to overcome. 

In light of these circumstances, I formally request that you enforce my legal rights under the FCRA and other relevant laws by : Investigating and verifying the accuracy of the disputed accounts. 
Removing any unverified accounts from my credit report. 
Providing me with written documentation of the investigation and resolution. 
I understand the vital role credit reporting agencies play in our financial system, and I trust that you will treat my case with the utmost care and urgency it deserves. 

Thank you for your prompt attention to this matter. I look forward to receiving a written confirmation of the actions taken to rectify these issues within the legally mandated timeframe. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-08-11
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. (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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number XXXX XXXX has violated my rights. Or list of inquiries 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 2023-08-14
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)

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable account that is kept to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account. 

XXXX XXXX XXXX
Consumer complaint received 2023-08-14
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: Source Receivables Management LLC (MI)

Was told in previous complaint no. XXXX that I needed to file a fraud dispute with XXXX. Well I completed the dispute got the response only for this account to be closed on my account and then reopened a day or two later. It was verified this account does not belong to me and it should be REMOVED.from all credit reporting agencies
Consumer complaint received 2023-08-11
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: AAA Auto Title Loans, LLC (NV)

On XX/XX/2023 I had issues checking my balance and payment history using Cash 1 phone app and it was after normal business hours, so I called them the next day to discuss my loan. I requested a copy of my contract with loan terms and am puzzled as to why I have consistently been making payments of {$250.00} every two weeks and my balance remains close to {$3000.00}. None of my payments have been going towards the principle for almost a year. Also discovered Cash 1 has been submitting payment requests to my bank account ending XXXX 1-2 days prior of the due date, which is causing issues to my account. This gross mishap has taken place previously but definitely happened on XX/XX/2023 which is prior to my actual payday. I find this very unethical. Also because of the balance never going down, I can no longer afford to continue these high payments. The payments of this loan are higher than the Nevada payday loan limit per my income. Nevada limits payday loans to 25 % of their income and for some reason it is way over that regulatory limit. I request ( 1 ) a Cease and Desist of all collection activities until ( 2 ) a complete audit of my loan has been performed. ( 3 ) New affordable Loan terms are created to match my monthly income or ( 4 ) an agreeable settlement offer to conclude this loan or ( 5 ) if this loan has been found to misrepresent the terms and is deemed " predatory '', then the loan should be rescinded and brought to a XXXX balance, and no longer leaving me liable for the loan.
Consumer complaint received 2023-08-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION (FL)

Please request a copy of the checks numbered below for the Truist Bank Account belonging to XXXX XXXX XXXX a Florida company. 

Account number : XXXX XXXX period : XX/XX/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 AMOUNT SERIAL # AMOUNT DATE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-10-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (NY)

PLSF : I have been making qualifying payments towards the PLSF- Public Service Loan Program since my employment with a governmental organization ( Department of XXXX XXXX and XXXX ) since XX/XX/XXXX. I have the employment certification confirming this information since XX/XX/XXXX to present day. 
In XX/XX/XXXX, I received a payment count letter from XXXX noting that I have made only 4 out of 24 Qualifying Payments towards the PLSF program fromXX/XX/XXXX to XX/XX/XXXX. I then contacted XXXX in XX/XX/XXXX requesting review of the payment history and why only 4 payments were being counted and not the entire 2 year period ( 24 payments ). Please note the payments were paid through my debit account as per instructions provided by XXXX and verbally confirmed via customer service at fedloan that these payments were being counted under the PLSF qualifying payments from XX/XX/XXXX to XX/XX/XXXX. 
In XX/XX/XXXX, I had not received any updates regarding the payment review or an updated qualifying payment letter. So I filed a complaint regarding this matter through Student Aid feedback in XX/XX/XXXX. I was then assigned a team member from XXXX and an updated qualifying payment to 23.  However, the payments from XX/XX/XXXX to XX/XX/XXXX stands at 4 due to pay ahead schedule that i requested to be taken off and reviewed as XXXX verbally confirmed that the pay ahead schedule is being reviewed and can be disputed if i was given the wrong information. On XX/XX/XXXX, they confirmed the review has been closed and the payment count for XX/XX/XXXX-XX/XX/XXXX stands at 4 due to not paying full a, ount due to pay ahead status.
Consumer complaint received 2023-08-14
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)

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable collection accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX