davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-07
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: Waypoint Resource Group, LLC (FL)

Filed a dispute with the credit bureau all 3, XXXX, XXXX and XXXX and the collection agency ( Waypoint Resource Group ) on XX/XX/18 with an account that I have no knowledge of this account or the amount owed of {$610.00}, where is this amount coming from? Dispute came back as verified on XX/XX/XXXX but yet I have no proof of how this account was verified and no information was provided that the account even belongs to me. What was the method of verification used? I have no contract or anything that this account belongs to me or much less that I owe them {$610.00}. This collection is hurting my creditworthiness.
Consumer complaint received 2023-10-31
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. (SC)

Dear Sir/Madam : I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX. The XXXX XXXX XXXX is incorrect. 
XXXX XXXX  Account Number : XXXX Please update payment status to current. 

XXXX. The XXXX XXXX XXXX is incorrect. 
XXXX XXXX Account Number : XXXX Please update payment status to current. 

XXXX. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX Account Number : XXXX Please remove it from my credit report. 


Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt.

Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you.
Consumer complaint received 2023-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX On XX/XX/23 I submitted a ftc report and dispute to XXXX, XXXX, Equifax stating that I need to get this removed an alleged account from my consumer report. I have not received a response nor has national credit system complied with my request. this is a violation of 15 U.S Code 1681i ( 6 ) ( A ) and 15 U.S. Code 1681i ( a ) ( 1 )
Consumer complaint received 2023-10-31
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (NV)

On XX/XX/XXXX I contacted Sychrony Bank about my Amazon.com store credit card. They claimed that they refunded me {$1400.00} back to my card. I sent them the statements and tracking number showing them that I have not received any the refunds. They refuse to help me on this matter and I am looking for a resolution.
Consumer complaint received 2023-10-31
Product: Prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (CA)

On XX/XX/2023 we contacted XXXX ( XXXX  ) and reported the issue that the card was not working at the retailer at the point of transaction. XXXX from American Express Gift card services said they would go ahead and issue a refund in the form of a check. They said the refund would be in the mail within two to three weeks and to call back on XX/XX/2023 to check status. We called back XX/XX/XXXX and they said the refund was in process and the refund check would arrive to us by XX/XX/2023. As of XX/XX/2023 the refund check still had not arrive therefore we called back to get the latest status and they said a case was not properly filed and they were going to refile the case and issue a check, and for us to call back in a week. they stated the refund check would arrive to us by XX/XX/2023. The check still had not been received by XX/XX/2023 so we call back and they said a check had not been sent and they would get an update to us within XXXX hours. After no update we called back on XX/XX/2023 and we were told the same information as before and it would be escalated to the back office. They promised another update within XXXX hours which still has not been received. We called back on XX/XX/2023 and at this point they are still not offering any resolution other than an update within XXXX hours. XXXX Case number XXXX XXXX XXXX put us on hold for XXXX minutes and counting. We have been on the phone for hours up to this point trying to resolve this case.
Consumer complaint received 2023-08-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Commonwealth Financial Systems, Inc. (FL)

I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
Consumer complaint received 2023-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2023-10-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Alorica Inc. (PA)

Systems & Services Technologies , Inc. ( SST ) fraudulently opened an account on XXXX, XXXX and XXXX. This has damaged my credit score by over 90 points. They say I owe {$4000.00} but I do not owe them anything. I asked them to send information regarding my debt and provided nothing besides to say the account was transferred to a third party on XX/XX/23. This information was not enough to justify the debt, negative payment history, and derogatory account status on my credit. They never sent a debt verification letter like I requested. They were unable to provide the date my account was opened, only the date the account was closed and transferred. Earlier this year, I was harassed by recieving multiple robocalls a week at all times a day to collect a debt I did not owe.
Consumer complaint received 2023-10-31
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: REGIONS FINANCIAL CORPORATION (TN)

on XX/XX/XXXX we went to regions bank in XXXX tn from XXXX tn about XXXX min. i called the XXXX brance to check rates on a home equity loan with a fixed rate and i was told it was XXXX to XXXX XXXX and no fees at closing. after they got all of our information and all the documents i carried with me we were told they should have a answer for us by wednesday. as soon as we got home we got a call telling us that our rate was over XXXX XXXX  and we could only get XXXX equity when we have over XXXX in equity also we were told we had a debt to ratio issue which is not correct. we only have our mortg of XXXX and 2 vehicles and we bring in XXXX a month which is XXXX a month not including all our assets that she took down. most of the time when buy something i always get tier 1 credit because of our good credit that we have built up.
Consumer complaint received 2023-10-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

In XXXX of XXXX I received a call from a number that was labeled SCAM on my phone. I answered it and the person stated they were with XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and that they would be pursuing a collection of a debt. I have good/excellent credit. I asked where the debt came from, which they replied bank of America. Back in XXXX, I paid a collection agency a settlement amount for an outstanding debt with a bank of America credit card debt. I have not heard anything about this debt since XXXX, nor do any of the XXXX credit reporting bureaus reflect anything negative regarding a debt. They asked me if I had a letter proving that I paid the settlement amount ; since XXXX, I have moved several times because I was in the military and I have lost documents and items with every move ; this is just something that happens with moving. I do not have the letter stating I paid the settlement amount, but if I had not paid a settlement, surely it would reflect in my credit report. I asked how is it possible after XXXX, nearly 16 years, since I paid a debt collection agency, that I am now being pursued about a debt I have not heard about. They said debt collection agencies can have you pay an amount, but that doesn't cover the complete debt amount, and the remaining amount can be sold to another debt collection agency. I asked if they are debt collection agency, to which they gave me a vague explanation that they were not necessarily a collection agency. If this is the case, if a person pays a settlement amount with a debt collection agency, and the amount does not cover the whole debt, and the amount can be picked up by another collection entity, this would never end and this could be exploited continuously. This seems nefarious and an unjust practice. The phone number to XXXX contact is XXXX. Is there not a statute of limitations to which they can pursue someone about a debt?
Consumer complaint received 2023-04-16
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. (LA)

Re : CARES ACT VIOLATION I am writing to dispute a Late Payment being reported by XXXX XXXX XXXX XXXX to my consumer report. I am requesting that the Tradeline be UPDATED to PAANL ( Paid As Agreed Never Late ) immediately due to XXXX XXXX XXXX XXXX violating the FCRA under the conditions outlined in the CARES ACT. The CARES Act explicitly states that if a consumer is granted payment relief or extensions then the grantor can not report the consumer as being Late on payments. 

The CARES Act was signed into law on XXXX XXXX, and Violations of the CARES Act protections will be enforceable under the FCRA once a consumer lodges a dispute with a CRA, thus triggering a furnishers reinvestigation duties under 15 U.S.C. 1681s-2 ( b ). The CARES Act provision is considered in pari materia with the standard for accuracy under the reinvestigation requirements of CRA-referred disputes under section 1681s-2 ( b ). Therefore, the CARES Act provision informs those reinvestigation duties. 

In accordance with the Federal Law outlined above, I exercise my rights under the FCRA that XXXX XXXX XXXX XXXX provide proof that they complied with the FCRA and ALL its mandated rules when it comes to the Provisions and Protections given to consumers under the CARES Act. I request 100 % certified and authenticated proof that XXXX XXXX XXXX XXXX was compliant with the FCRA in accordance with the CARES Act. 

Please be advised that you are reporting inaccurate, incomplete, and erroneous information on my credit report. The mere fact that you are reporting the Late Payment constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy.

If you can not provide this proof, according to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], the LATE PAYMENT must be UPDATED on my consumer report.
Consumer complaint received 2023-04-16
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. (NJ)

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. 

1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX 2. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX 3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX 4. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX 5. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX 6. The following personal information is incorrect XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

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 2023-04-16
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. (NC)

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back.

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.
Consumer complaint received 2023-04-16
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. (DE)

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 XXXX : Account # XXXX, XXXX Account XXXX XXXX XXXX XXXX : Account # XXXX, XXXX XXXX : Account # XXXX, XXXX XXXX  : Account # XXXX, XXXX XXXX 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 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 2023-04-15
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. (DE)

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 XXXX : Account # XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : Account # XXXX, XXXX XXXX : Account # XXXXXXXX XXXX XXXX : Account # XXXX, XXXX XXXXXXXX XXXX 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 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 2017-01-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. 
XXXX {$410.00} OPENED XX/XX/2016 XXXX {$160.00} OPENED XX/XX/2016 Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed up top. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please do n't respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 
Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.
Consumer complaint received 2017-12-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (AZ)

I was confused about how the interest payment was calculated. I was trying to get information on how much I should pay monthly to cover the interest on my loan. The calculator on the website, which indicated it would calculate this number, actually gave me a calculation based only on the principle amount of my loan. I figured out on my own that this was wrong, as I owe a lot more due to high interest rates. I called not once, but twice to the lender and each time the agent from Navient assured me that the online calculation was correct. I was mis-advised twice by two separate agents from Navient. Had I not been smart enough to correct it on my own, this would have costed me a lot of money in not being able to fully cover the interest on my full loan each month. I am very disappointed in Navient and do not trust them