davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-26
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. (IN)

I sent in a dispute letter regarding XXXX XXXXe account it is being reported as 30 days late when I was never late and the account is closed. Also XXXX  does not match my other credit reporting agencies equifax and XXXX
Consumer complaint received 2023-04-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (IL)

I would like to dispute the reporting of this bankruptcy on my credit report, as there are discrepancies in the reported dates and closure of the case. I have received documentation from the court indicating that this bankruptcy should not be reported, and that the reporting is coming from an unauthorized third party.
Consumer complaint received 2023-04-28
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. (AR)

This is my NUMEROUS 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 items : XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX Balance Owed : {$1300.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$680.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$190.00} ; XXXX XXXX XXXX Balance Owed : {$1400.00} ; XXXX XXXX Balance Owed : {$1300.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; 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 2023-04-28
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)

This will be my last Complaint to inform the Credit Reporting Agencies that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) the Credit Reporting Agencies are required to remove any INACCURATE INFORMATION which were opened without my knowledge, consent or authority within 4 business days with ( 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. If the Credit Bureaus do not comply with the requests, it leaves me no choice but to pursue legal action. I need the following INACCURATE INFORMATION deleted as soon as possible : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX.
Consumer complaint received 2023-04-28
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. (PA)

I checked again my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2015-08-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: AUDIT SYSTEMS,INC (OH)

A company called XXXX XXXX XXXX has called my mobile number listed above XXXX times since XX/XX/XXXX. When they called today I called back once no one would say anything when I answered. The representative stated that this was an attempt to collect a debt etc. I asked her what who was the company that she was calling for and she stated XXXX XXXX for XXXX XXXX. She said that I owed a {$30.00} service fee for a returned check fee for a check that was presented in XX/XX/XXXX. She stated that the principle amount was paid but the service fee was n't paid by my bank when the check was resubmitted. I explained that I had already addressed this last year with XXXX directly and since I was XXXX and the check was paid once they resubmitted it to my bank, they would wave the service fee. I asked her for the contact information for her agency to send a letter that I am protected under the Fair Debt Collection Practices Act 15 U.S.C. section 1692 ( c ) so that they would quit contacting me, she refused. She stated that the Fair Debt Collection Practices Act did not apply in this case and refused to give me the address to the collection agency. She stated that I can address it once she sent me the bill for this collection and she hung up on me. She was very threatening, rude and unprofessional once I stated that I had addressed this last year and what my rights were under the above stated Act.
Consumer complaint received 2023-04-28
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. (TX)

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
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 XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-04-28
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. (MD)

I am writing to bring to your attention the fact that Experian, one of the three major credit reporting agencies, has posted inaccurate data on my credit report. This misinformation in relation to the XXXX  Dept of EdXXXX accounts on my report is in violation of my rights under federal law, specifically the Fair Credit Reporting Act ( FCRA ).

According to the FCRA, credit reporting agencies must ensure that the information they report about consumers is accurate, complete, and up-to-date. However, in my case, Experian has failed to fulfill this obligation by posting inaccurate data on my credit report. 

I have attempted to dispute the inaccuracies with Experian, but their response has been unsatisfactory. I believe that Experian is knowingly and intentionally reporting inaccurate information, which is negatively affecting my creditworthiness and financial standing. 

I am requesting that the CFPB take action against Experian for violating my rights under the FCRA and for the harm that they have caused me. I would also like to request that Experian be required to remove the inaccurate information from my credit report and provide me with a corrected report as soon as possible. 

Thank you for your attention to this matter.
Consumer complaint received 2023-04-26
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION (CO)

I am writing to express my deep concerns about the predatory practices and poor customer service that I have experienced with your company. Based on my personal experience and research, it is clear that your company intentionally makes it difficult for borrowers to access their account information, apply for loan modifications or refinancing, and receive accurate and timely responses to their inquiries. 

Specifically, I was locked into a high interest variable rate loan and given false information on repayment options. I have also experienced unresponsiveness from your representatives and received conflicting or misleading information when trying to seek help. This has left me feeling frustrated and hopeless about my ability to repay my loans. 

Furthermore, I am aware of the several legal cases and investigations brought against your company, including the 2014 lawsuit by the Consumer Financial Protection Bureau ( CFPB ) and lawsuits from several state attorneys general. These allegations of excessive fees, misleading information about loan terms and options, and failure to properly process payments are deeply troubling. 

It is unacceptable that XXXX and innocent borrowers like myself are being taken advantage of by predatory practices. I urge your company to take immediate action to address these issues and provide better customer service to borrowers who are struggling to repay their loans. 

Thank you for your attention to this matter.
Consumer complaint received 2023-04-26
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. (AL)

In accordance with the XXXX XXXX XXXX Account # XXXX ( 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 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-04-26
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. (AL)

In accordance with the Fair Credit XXXX Account # 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 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-04-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

Bank of America texted me to contact the fraud department. I ignored the first text because I thought it was a scam. I received another phone call which a voice message was left. This week I received a phone call and a voice message again. I called BOA fraud department and found out someone opened a BOA credit card in my name and it was opened in Pennsylvania. I have not visited or ever lived in PA. BOA stated they would shut down / close the card because transactions were on it in Pennsylvania XXXX Just when you think your good, your not! I'm not sure what else to do now.
Consumer complaint received 2023-04-28
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. (CA)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The TransUnion credit bureau is required to authenticate these item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and delete it immediately in my report : XXXX XXXX XXXXXXXX Date Opened : XX/XX/2014 Balance : {$0.00}
Consumer complaint received 2023-04-26
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. (OK)

I'm not sure what the issue is with the credit bureaus but I have tried to communicate with them numerous times about their inaccurate reporting on my credit report. They are not handling this situation in accordance with the FCRA in regards to conducting a reasonable investigation and resolving the problem nor are they abiding by the CFPB 's 60 day investigation guidelines. I have been at this for awhile now and I feel my only option is legal action due to them violating my rights to an investigation on various accounts.
Consumer complaint received 2015-08-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (NV)

My mortgage was purchased by Seterus some years back, while I was in the middle of a chapter XXXX bankruptcy. Seterus has repeatedly rejected all attempts on my part to communicate with them. They said that I needed my lawyer to send them a permission. I asked my lawyer at least XXXX times to send such a permission, and was informed each time that such a notice had been delivered. 
My chapter XXXX was discharged successfully in XXXX of this year. I am XXXX of the 35 % who are successful in this regard. I sent notice to Seterus, along with the discharge papers, via fax. I requested information on the status of my account ( Escrow, Suspense Account, and Payment Coupons ). I received no reply. I asked again via e-mail. Again, no reply. Then I checked my credit report and found that Seterus was listing me in their account statement as having declared bankruptcy in XXXX of 2015, rather than having been discharged. Bringing that to their attention resulted in nothing as well.
Consumer complaint received 2017-02-17
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (TX)

I requested validation of bankruptcy reference # XXXX on my credit report from Experian and Experian sent me a letter stating that they verified the bankruptcy record through XXXX XXXX. I contacted XXXX XXXX and requested a report of everyone who has requested my public records and Experian Credit bureau was not listed as one of the ones who requested validation or verification of the public record. See attracted report for validation of my claim. 
Therefore Experian has never requested validation and has violated the FCRA by not provided me with viable validation bearing my signature to validate that this public records belong to me.
Consumer complaint received 2023-04-28
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. (GA)

XXXX has already passed but up until now, I havent heard any kind of response from the 3 Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to update the accounts which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX Balance : {$12000.00}, XXXX XXXX XXXX Balance : {$4800.00}, XXXX XXXX XXXX Balance : {$3800.00}
Consumer complaint received 2023-04-28
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2023-04-28
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. (FL)

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please delete this items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX  Bankruptcy XXXXXXXX XXXX XXXX Bankruptcy XXXXXXXX XXXX XXXX Bankruptcy XXXX XXXX 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
Consumer complaint received 2023-04-26
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Aqua Finance, Inc. (FL)

On XX/XX/XXXX, I requested from Aqua Finance my loan documents as I have had this loan for a later over three years and I have noticed little to nothing changing on my loan balance. Originally, I was told it would take a 24-hour notice from the XXXX. I recalled Monday and they advised me it usually takes 24 to 48 hours. I haven't received the requested documents. This company doesn't even provide me with my loan statements in order for me to pay this loan off quickly. After reading the XXXX reviews many other have the same complaints I do. This company practices predatory lending as they hide all their fees, and their officers do zero explanations on these predatory contacts.
Consumer complaint received 2023-04-28
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)

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of this and all is being investigated by the FTC 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. Please delete the account : XXXX XXXX XXXX Date Opened : XX/XX/2017 Balance : {$0.00}
Consumer complaint received 2023-04-28
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. (FL)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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 2017-02-16
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Westlake Services, LLC (MD)

In XXXX XXXX I filed bankruptcy, a reaffirmation was requested from Westlake for my vehicle, Westlake did not send the reaffirmation. On XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX my attorneys office reached out to Westlake to get the reaffirmation agreement. I also contacted Westlake on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX Westlake sent a reaffirmation with the incorrect dollar amounts for the balance due on the vehicle, on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX I called Westlake to get a reaffirmation with the correct amount sent over so I could sign and send it back. Westlake never sent the corrected reaffirmation agreement. On XXXX/XXXX/XXXX my attorney stated just that I just needed to manually make the corrections to the dollar amounts and send the reaffirmation agreement back to Westlake which I did. Unbeknownst to myself and my attorney my bankruptcy had been discharged on XXXX/XXXX/XXXX. Westlake refused to honor the reaffirmation agreement. Since XXXX/XXXX/XXXX I have disputed that the reaffirmation agreement should be honored and to date I have made my auto payments timely, Westlake is still refusing to honor the reaffirmation agreement therefore payments are not being reflected on my credit. All of my conversations with Westlake were recorded and Westlkae was made aware they were being recorded.