davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: STATE EMPLOYEES CREDIT UNION (NC)

On XX/XX/XXXX my husband, XXXX XXXX and I paid off a debt owed to the State Employees Credit Union XXXX NC branch ( account XXXX ) in the amount of {$1800.00} that was showing on our credit. They wrote us letters stating account balance was paid in full. They then reported on credit bureaus that the account was written off and as a repossession which is incorrect as this was during COVID that we could no longer afford vehicle and spoke to XXXX XXXX about this at the XXXX branch in XXXX Nc and she stated because of COVID and the laws with COVID this would not be reported as such because of financial hardship during that time. Now it is paid in full but they are reporting it inaccurately on mine and my husbands credit report which is causing harm to us financially and we were mislead by XXXX about how this would reflect on our credit file.
Consumer complaint received 2022-08-05
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (PA)

During the XXXX and XXXX years, I tried to contact American Education Services about the loan they said I owed. They refused to correspond with my dozens of letters. I was in XXXX  for XXXX My mom had to contact them and they told her the interest would be deferred during my XXXX ( because I had no income at all ). They later told her the loans would be forgiven and considered paid in full. I now receive a letter dated XX/XX/XXXX, where AES is asking not only for the principal but an additional 11 years ( or so ) of interest. Furthermore, no one will tell me what this principal is in regards to. I paid off my loans completely. Today when I called ( XX/XX/XXXX ) was the first day that someone told me the vague response that it " was a grant that converted into a loan. '' I still have no idea what that grant was or why it converted to a loan. No one will tell me and I don't know the validity of it. 

I should also note that the letter they sent me says that the " loan ( s ) identified below, serviced by American Education Services ( AES ) and owned by the Pennsylvania Higher Education Assistance Agency ( PHEAA ), are in default. '' When I called PHEAA, they said I have no debt or active loans to them. When I questioned AES about this, they said that the loan is actually not owned by PHEAA ( despite what their letter states ).
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

This XXXX, I was shocked to find inaccurate accounts on my credit report, and I have no idea why they're there. I check my report regularly, but this time, these discrepancies appeared out of nowhere. I even tried refreshing my browser, thinking it might be a glitch, but nothing changed. The errors persisted, and now I'm asking that the documents I've submitted be reviewed thoroughly so I never have to deal with this stress again.
Consumer complaint received 2022-08-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX SERVICES ( Bank ) XX/XX/XXXX XXXX CARD SERVICES ( Bank ) XX/XX/XXXX These were hard inquiries I did not authroize. I have open XXXX  card. I have no XXXX  XXXX cards nor did I apply for any. 
XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX These inquires have been on my report for years. I have contacted to have removed nothing has come of it.
Consumer complaint received 2022-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

I started a chapter XXXX bankruptcy in 2018 which included XXXX ( formally known as XXXX XXXX XXXX XXXX ). I completed the bankruptcy and it was XXXX. During court proceedings, XXXX did not appear at the meeting of the creditors to contest the filed bankruptcy and the debt was XXXX. Since the discharge of the debt, the company has changed their name and the debt has still been reporting to my credit. As of today XX/XX/XXXX, XXXX  has reported me being XXXX  days late on payments to this non existent account. This has down extensive damage to my XXXX XXXX. I am also including documentation from the bankruptcy showing that they have been XXXX
Consumer complaint received 2022-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IL)

I started a chapter XXXX bankruptcy in 2018 which included XXXX ( formally known as XXXX XXXX XXXX XXXX ). I completed the bankruptcy and it was XXXX. During court proceedings, XXXX did not appear at the meeting of the creditors to contest the filed bankruptcy and the debt was XXXX. Since the discharge of the debt, the company has changed their name and the debt has still been reporting to my credit. As of today XX/XX/XXXX, XXXX  has reported me being XXXX days late on payments to this non existent account. This has down extensive damage to my credit score. I am also including documentation from the bankruptcy showing that they have been XXXX
Consumer complaint received 2022-08-05
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. (NY)

I received my investigation back and you stated you completed a fair investigation. You also said these accounts are 100 % accurate. 



But can you please answer this XXXX question? How did you investigate these accounts? Because according to the fair credit reporting act 15 U.S. Code 1681a this is how you are supposed to investigative my consumer report : Did you interview my neighbors? 



Did you interview my friends? 



Who did you talk to? 



XXXX more thing can you please tell me how everything is 100 % present and accurate if the account number, Date opened, payment status, creditor type, and date last active on these accounts are not reporting the same information? 



You have violated multiple laws below : 15 U.S. Code 1681a 15 U.S. Code 1681 15 U.S. Code 1681i I demand you delete the accounts from my report I listed : Account name - XXXX XXXX Account number - XXXX Account name - XXXX Account number - XXXX Account number - XXXX Delete these accounts immediately or you will be held responsible for XXXX per violation. Send me an updated credit report with the accounts permanently deleted
Consumer complaint received 2024-10-30
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. (PA)

I was genuinely shocked and disappointed to find inaccurate accounts on my credit report this morning. I check it frequently, and everything was fine until now. I even refreshed my browser, hoping it was an error, but it wasnt. Because of this, Im requesting a close examination of my documents to ensure I can stop worrying about this happening again.
Consumer complaint received 2024-10-30
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. (PA)

Unauthorized inquiries showed up on my credit report this morning, and I have no clue why. When I checked, I was shocked by the sudden discrepancies. Refreshing the page didnt fix it, and its been extremely frustrating. I urgently need the documents I've submitted to be reviewed so that I can finally feel secure about my credit report.
Consumer complaint received 2022-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I started a chapter XXXX bankruptcy in 2018 which included XXXX ( formally known as XXXX XXXX XXXX XXXX XXXX. I completed the bankruptcy and it was XXXX. During court proceedings, XXXX did not appear at the meeting of the creditors to contest the filed bankruptcy and the debt was XXXX. Since the discharge of the debt, the company has changed their name and the debt has still been reporting to my credit. As of today XX/XX/XXXX, XXXX  has reported me being XXXX  days late on payments to this non existent account. This has down extensive damage to my XXXX XXXX. I am also including documentation from the bankruptcy showing that they have been XXXX
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Details of the Dispute : XXXX. Incorrect Name : My current legal name is XXXX XXXX XXXX, but it is incorrectly listed as on my credit report. I request that my name be updated to reflect the correct information. 

XXXX. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX, while my credit report shows an outdated address. I request that my current address be updated accordingly. 

XXXX. XXXX XXXX : My main contact number is : XXXX XXXX XXXX. I would like this number to be updated. 

XXXX. Date of Birth : XX/XX/year> : ( XX/XX/year> ) XXXX. Employer : XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NV)

I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. 
Failure to do so is a violation of my rights.
Consumer complaint received 2024-11-01
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. (IL)

I am writing to notify you that I am a victim of identity theft due to a recent data breach that compromised my personal information. As a result, fraudulent accounts and unauthorized credit inquiries have been added to my credit report without my consent. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that the following accounts and inquiries be blocked and permanently deleted from my report. 
XXXX Accounts : XXXX. XXXX XXXX - Account ending in XXXX - Date : XX/XX/XXXX - Balance : {$3000.00} XXXX. XXXX - Account ending in XXXX - Date : XX/XX/XXXX - Balance : {$680.00} XXXX. XXXX - Account ending in XXXX - Date : XX/XX/XXXX - Balance : {$1400.00} XXXX. XXXX - Account ending in XXXX - Date : XX/XX/XXXX - Balance : {$740.00} XXXX. XXXX XXXX - Account ending in XXXX - Date : XX/XX/XXXX - Balance : {$2400.00} XXXX. XXXX XXXX  - Account ending in XXXX - Date : XX/XX/XXXX - Balance : {$41000.00} XXXX. XXXX XXXX - Account ending in XXXX - Date : XX/XX/XXXX - Balance : {$20000.00} XXXX. XXXX XXXX - Account ending in XXXX - Date : XX/XX/XXXX - Balance : {$7800.00} XXXX. XXXX XXXX  XXXX - Account ending in XXXX - Date : XX/XX/XXXX - Balance : {$6600.00} XXXX. XXXX XXXX - Account ending in XXXX - Date : XX/XX/XXXX - Balance : {$1400.00} XXXX. XXXX  XXXX - Account ending in XXXX - Date : XX/XX/XXXX - Balance : {$440.00} XXXX. XXXX  XXXX - Account ending in XXXX - Date : XX/XX/XXXX - Balance : {$4400.00} Fraudulent Credit Inquiries : XXXX XXXX - Date : XX/XX/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 XXXXXX/XX/XXXX
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

XX/XX/year> Subject : Formal Complaint Against TransUnion for Failure to Correct Inaccurate Late Payment Reporting.

To Whom It May Concern : I am filing a formal complaint against TransUnion for failing to correct inaccurate information regarding late payments reported on my credit report for account XXXX XXXX XXXX, account number XXXX. Despite multiple requests for correction ( letters dated XX/XX/year> ), my requests have been ignored. This lack of response constitutes a violation of both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ).

FCRA Violations : Under 15 U.S. Code 1681i, credit reporting agencies are required to ensure the accuracy of information in consumer files. The continued reporting of incorrect late payments on my account is a breach of this legal obligation. Furthermore, according to 15 U.S. Code 1666b, creditors are mandated to send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on this account suggests a failure to comply with this requirement.

TILA Violations : The Truth in Lending Act emphasizes the necessity for accurate and timely disclosures to consumers. The persistent misreporting of late payments on my account has caused undue harm to my creditworthiness, a direct consequence of TILA 's protective intention.

Protection Against Non-Payment of Obligations Act ( PAANL ) : This act highlights the responsibility of creditors to provide timely statements, thus preventing unfair penalties to consumers. The inaccurate late payment reporting on this account violates this consumer protection
, impacting my financial standing unjustly.

Payment History and Errors TransUnion inaccurately continues to list a 30-day late payment in XXXX, even though previous disputes have not led to correction. 
Lack of Resolution Since Previous Dispute I have submitted multiple disputes regarding these inaccuracies, yet there has been no corrective action taken by TransUnion. This persistent inaction has continued to harm my credit standing and is a violation of both my consumer rights and the relevant federal statutes.

Desired Resolution Immediate Removal : I am formally requesting the immediate removal of the inaccurate late payment notation from my credit report.

Written Confirmation : Please provide written confirmation of this correction. 
If this matter is not resolved promptly, I will consider escalating my complaint, including potential legal action and further complaints with appropriate regulatory agencies. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services (AZ)

I have XXXX loan aunts with XXXX XXXX XXXX ( XXXX XXXX ) XXXX. XXXX {$12000.00}, loan date open XX/XX/2003 XXXX. XXXX {$11000.00}, loan date open XX/XX/2003 XXXX XXXX XXXX erroneously shows XXXX loans/it lists each loan XXXX thus incrading he total XXXX that I reportedly owe. 

XXXX. XXXX {$12000.00}, loan date open XX/XX/2003 XXXX. XXXX {$11000.00}, loan date open XX/XX/2003 XXXX. XXXX {$12000.00}, loan date open XX/XX/2003 XXXX. XXXX {$11000.00}, loan date open XX/XX/2003 I have filed several disputes with XXXX as well as poke to them on the phone where they acknowledged the error but have never corrected it.
Consumer complaint received 2022-08-05
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)

In light of recent investigations brought upon Equifax, I find that my consumer file is being irresponsibly tampered with. Over the past 4 months, I have made several attempts to remind Equifax of its duty pursuant 15 USC 1681. It appears Equifax is intentionally and willfully neglectful in remedying my affairs. 15 USC 1681e ( b ) assures that I am due, promised accuracy in my report based on federal law. 

On XX/XX/2021, I ran my credit report and noticed XXXX XXXX XXXX XXXX added a {$280.00} collection account to my consumer credit file. I immediately filed a dispute with XXXX XXXX XXXX XXXX and Equifax. 

Equifax refused to remove the XXXX XXXX XXXX XXXX {$280.00} collection account stating the debt collector validated this is my account. I don't recognize the debt so I am requesting the unverified collection account information be promptly removed from my Equifax credit report. 

Under 15 USC 1681 a number 3. Equifax assumed this role without permission not only that Equifax did not have my consent.

Under 15 USC 1681 a number 4. Equifax did not exercise their grave responsibility Equifax was unfair, Equifax was partial and did not respect my right to privacy. 

Equifax never had a permissible purpose Under 1681 b number 2. I never instructed Equifax to furnish this report or to create this report. I never consented to this report in the first place.
Consumer complaint received 2023-02-04
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, XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A : States I have the right to privacy.

15 U.S.C 1681 section A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666b : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.
Consumer complaint received 2022-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I, XXXX XXXX XXXX, a consumer is a victim of identity theft, the credit reporting agencies, XXXX, Experian, and XXXX has utilized and furnished my consumer report without my knowledge and authorization, consent, and written instruction. They allowed companies to share my nonpublic personal information without my consent and also used that information to furnish. Congress makes it clear and conspicuous that the consumer has a RIGHT TO PRIVACY! XXXX, XXXX, and Experian has violated my federally protected right to privacy by failing to meet the needs of Congress by ensuring that they exercise their grave responsibility with the respect to the confidentiality of my personal information. The Fair Credit Reporting Act ( FCRA ) was intended to insure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality and respect to the CONSUMERS RIGHT TO PRIVACY! XXXX, XXXX, and Experian is in direct violation of the FCRA and the XXXX XXXX XXXX of XXXX
Consumer complaint received 2022-08-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation (IL)

I have auto-pay set up for the XXXX and XXXX XXXX of the Month, i login and pay online via credit card on each due date. Within XXXX the harassment starts via constant calling and saying the payment has not been made! i continue to get called constantly throughout the day by Bridgecrest financial agent claiming payment was not made. 

There has to be a way to make them stop. 

Payment is XXXX semi monthly XXXX and last day of the month
Consumer complaint received 2022-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: ZuntaFi Corp (IL)

I started a XXXX XXXX bankruptcy in XXXX  which included ZUNTAFI ( formally known as RXXXX XXXX XXXX XXXX ). I completed the bankruptcy and it was discharged. During court proceedings, ZUNTAFI did not appear at the meeting of the creditors to contest the filed bankruptcy and the debt was discharged. Since the discharge of the debt, the company has changed their name and the debt has still been reporting to my credit. As of today XX/XX/XXXX, ZUNTAFI has reported me being 120 days late on payments to this non existent account. This has down extensive damage to my credit score. I am also including documentation from the bankruptcy showing that they have been discharged
Consumer complaint received 2024-04-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (NV)

I canceled a XXXX  subscription XX/XX/XXXX. XXXX is still charging me its XX/XX/XXXX. I call Chime my bank to stop all future transactions with XXXX XXXX. They keep charging and when I log in XXXX  its blank. Says cancel. Im not trying to get money back but in 20 days they are going to charge me again and I dont want that to XXXX through. Chime told me that the bank cant stopped future payments if XXXX  still has my card on file. That cant be legal. XXXX is a black screen month after month and my Chime my bank cant stop them from charging me again. I told the rep that I dont think this is legal. To have a nice day and hung up. Get the call log and hear it for yourself. XX/XX/XXXX at XXXX XXXX  pacific time.