davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2016-05-24
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: U.S. BANCORP (VA)

I opened a business credit card account with Union Bank and XXXX last year with cards for my employees. I do not have a card because I do n't need XXXX. 
In XXXX of this year they sold my account to a new servicer but did n't include my information as the account and business owner. Since then I have been trying to pay my bill, but I ca n't access the account because I do n't have a card and the new servicing company, XXXX XXXX, requires that I make a new credit application in order to be added to the account and gain access - to an account I already applied for and already own. 

- The account sale happened without me being notified - Once the account sale happended, my balances are being incorrectly displayed on my online account - when my payment was due, I asked that it be paid and a much larger balance was taken from my account than was showed in online banking - I am not allowed to access the accounts by phone or online even though I am the financially responsible party - the new financial institution/account owner has said that they are going to require me to make a new application, force me to provide my SSN and other non-public data to a company with whom I do n't wish to have a relationship, whom I do n't have a privacy policy for and who has n't been willing to give me access to an account that I technically already own anyway.
Consumer complaint received 2024-08-20
Product: Credit reporting 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 am writing to address the recent reinvestigation conducted by your agency regarding the inaccurate account information on my credit report that was not removed, despite clear evidence of its inaccuracies. This failure to delete the disputed account is a violation of 15 U.S. Code 1681i ( 5 ) under the Fair Credit Reporting Act. 
Account Information : Creditor Name : XXXX Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : [ Amount ] {$XXXX}
Consumer complaint received 2016-10-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Indicated committed crime not paying
Company: NCC Business Services, Inc. (AZ)

I spoke with XXXX XXXX, who is the Director of NCC Business Services out of XXXX, Arizona. Repeatedly he spoke over me and explained that I owe a debt and its my legal obligation to pay the debt in full. When I asked for a letter showing proof of debt owed, he refused and threatened to disconnect the call. I asked for a settlement due to a hardship and he refused that as well, explaining that I was not in a hardship and accused me of lying. He advised that I should have paid the debt and am violating the law by not paying in full. I was told that they can not settle apartment debts for a lesser amount and this is protected by law. When asked to provide proof of this claim, he refused again.
Consumer complaint received 2017-01-25
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BBVA FINANCIAL CORPORATION (IL)

Opened a Simple account XX/XX/2016, linked my local bank to the account, made a couple of EFT 's from my bank and then started using it for purchases in XX/XX/XXXX. Made a {$2000.00} EFT in XX/XX/XXXX that was debited from my bank balance, yet is in limbo in the Simple account. That transfer seems to have triggered a review and verification. As of XX/XX/XXXX, my account has been frozen with an original standing balance of {$1200.00} and the XXXX not added to the total balance but shows up in the ledger on the phone app. I was asked to submit my ID, SS card and 2 recent bank statements in PDF format. Several calls, messages and months later, my account remains frozen and unverified. I spoke with a manager today and was told that the PDF 's I sent them directly from my bank looked scanned are not acceptable. I asked if I could have the entire {$3200.00} transferred/deposited back into my bank account and was told, " no ''. I asked how else I could get this resolved and they had no answer. I 've used PDF 's from my local bank for verification with other institutions in the past without any issues. Simple seems to think my bank has a problem generating the proper documents, yet they have no other solution for me to submit the proper forms for verification that would unfreeze my funds.
Consumer complaint received 2016-03-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (MN)

Attached to this complaint is a letter from the Consumer Financial Protection Bureau ( CFPB ) in regards to the Consumer Financial Protection Bureau requesting for Equifax to delete the following accounts from my credit report : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, and MN Child Support Enforcement.
Consumer complaint received 2017-01-19
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (NY)

My interest rate has increased from 6.00 % to 7.4 % in a matter of a year an a half. Navient also continues to decrease my autopay amount making this a never ending repayment process. I have approximately {$10000.00} taken out from a different servicer and have only {$2800.00} left on the loan and my Navient loan which was {$5000.00} principal is only down to {$4100.00}. How is this possible if I started paying back the loans at the same time. It seems Navient is going to continue to bump up my interest rates so I am never able to pay off this loan. I believe this in unfair business tactics in order to continue to receive money from me,.
Consumer complaint received 2015-12-01
Product: Credit card — 
Issue: Rewards — 
Company: U.S. BANCORP (GA)

I have an US Bank issued XXXX XXXX XXXX that gives a renewal bonus of free night certificate ( XXXX ) valid for US redemption after spending {$10000.00} and paying the credit card annual fee. The XXXX was supposed to be issued within 6 to 8 weeks of meeting both requirements. I met the requirements in mid XXXX and I should have been issued the XXXX in late XXXX/ early XXXX. I have been contacting both US Bank and XXXX XXXX numerous times since late XXXX both by emailing and calling. They blamed each other for the delay and each told me to contact the other party as they are not responsible. After doing some research, I found out US Bank is ultimately responsible for the delay. 
After weeks of back and forth, I finally got a hold of an US Bank supervisor who verified my meeting the requirements and promised to " escalate '' this case with the rewards department. I was told that I will receive the XXXX within 10 days. That was a month ago. The supervisor even said that she 'll follow thru to ensure the XXXX will be received by me in a timely manner after I told her that I need to make a reservation for XXXX. US Bank failed me on many fronts.
Consumer complaint received 2023-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I am writing to bring 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 fallen victim to identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a negative impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if necessary, pursue legal action to protect my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.
Consumer complaint received 2016-07-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (GA)

Equifax is reporting a bankruptcy on my credit file that is not mine. I have never filed bankruptcy. I am also showing accounts in bankruptcy that do not belong to me on my Equifax credit file. Either someone has the same name as mine or they incorrectly inserted bankruptcy information on my credit file. Please help me in getting these items remove from my credit file.
Consumer complaint received 2016-09-19
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (CA)

I am filing this complaint because Equifax has ignored my request to open investigation in regards to accounts listed on my credit report. Being that they have gone past the 30 day mark and confirmation shows they have received my dispute over 30+ days ago, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Consumer complaint received 2016-03-22
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: EQUIFAX, INC. (FL)

On XXXX XXXX, 2016, I requested a copy of my free annual credit report. The automated system stated one was already sent. This happened with all XXXX agencies. I put a fraud alert on all XXXX reports. I tried to get my reports by phone and letters and still have not received these reports. I need someone to intervene on my behalf. Any help from your department would be greatly appreciated.
Consumer complaint received 2024-08-30
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: EQUIFAX, INC. (FL)

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00}
Consumer complaint received 2023-07-27
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)

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 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 2024-10-13
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. (DE)

I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.
Consumer complaint received 2024-10-18
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. (NY)

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 

XXXX XXXX  XXXX Balance : {$1700.00} XXXX  XXXX XXXX Balance : {$700.00}
Consumer complaint received 2016-02-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

I disputed an address I have n't had since the XX/XX/XXXX which tied me to an erroneous collections item, which I also disputed. I received a letter back from Equifax agreeing to delete the address I lived at over 30 years ago with my ex-wife ; however, they said the collection item was still mine. The collection item was with XXXX XXXX and their XXXX XXXX XXXX , XXXX XXXX I explained that for the last 27 years, I lived in XXXX, XXXX with my wife and then moved XX/XX/XXXX to XXXX, XXXX. Unless there is an issue of someone using my social security number, there is no way this account can be tied to be based solely on me living there XXXX some years ago with my ex-wife. I have tried to resolve this issue with XXXX, the collections agency and the credit bureau but to no avail. XXXX XXXX, Executive Customer Relations, XXXX, XXXX XXXX recognized that the social security number on the account did not match mine. However, he said in an email that while their " skip tracing does place you at the account, this may be a case of identify theft. '' Also to be noted, there have been several XXXX addresses and an XXXX, XXXX address added to my credit report since these collection items have been added to my report. I suspect they are now blending my file with someone else 's. In any case, I will continue to pursue this error. I have XXXX so I can ill afford to pursue a legal remedy as my next course of action, but I have successfully gotten help from my Congressional Representative in the past and will likely pursue this avenue next. I 'm hoping though that your Agency can resolve this since your role is to oversee the fair practices of the Credit Bureaus.
Consumer complaint received 2023-03-18
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. (CT)

To whom it may concern : I received a copy of my credit report with the intention of trying to take care of my responsibilities and noticed an account that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am saying that I am not 100 % sure if they are. I read in the FCRA that it said by law, I had the right to challenge anything I am not sure is accurate. 

According to 15 USC sec 1781i ( a ) : if you can't provide proof, the account must be deleted. I want to have the account deleted if it's not 100 % accurate. Could you check on this and get back to me? I saw on a credit site and board, the lawyer said you have 30 days to complete this investigation. Please investigate the following account and remove it if anything is missing or not correct on it. 

XXXX XXXX XXXX. # XXXX This account has been verified, however, the original creditor said that they don't have this information, so how are you truly verifying this account? I will have to pursue legal counsel if this is the case. 

Also, please let me know who had access to my file as well.
Consumer complaint received 2020-05-27
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. (AR)

I have been receiving letters in the mail for a while now about me owing child support money. Im not quite sure what any of that is about because my kids live with me and I have never been put on child support. I also got denied a credit card from XXXX  XXXX due to a low credit score. I have pulled my credit and I saw child support. I have pulled my credit and I saw child support items and loans on my account that does not belong to me. I strongly believe my identity has been stolen. Please remove these items from my report.
Consumer complaint received 2020-05-27
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. (NJ)

There are inaccurate debts on my credit report which is hindering my choice of getting housing for my XXXX  and I. I have disputed these inaccuracies for three years, and the credit collections have yet to send me the original contract bearing my signature and what method is being used to verify these false debts. These credit collection companies are not adhering to The Fair Credit Reporting Act. It's been three years that I've been requesting the validity of these debts belonging to me, and they can't verify anything. 

I DO NOT WISH FOR ANY INFORMATION TO BE VERIFIED VIA E-OSCAR!!! Please speak to real people so that I can get real results!!! 

These inaccurate reportings are hindering me being a mother and providing housing.
Consumer complaint received 2020-05-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: CITIBANK, N.A. (MI)

I opened a CitiBank account at the end of XX/XX/2019 and decided to close it in XX/XX/2019. I asked for closing all my Citi accounts twice by online chatting. After they send me a check, there is a XXXX cents positive balance on my account, and I shredded all documents related to Citibank. 
They sent me a letter recently claiming that I had an overdrawn of XXXX dollars. I asked for a statement to verify this overdrawn transaction, they refuse because I can not provide the bank original account number. I believe Citibank is still charging bank fees after I closed all accounts.
Consumer complaint received 2020-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

There are inaccurate debts on my credit report which is hindering my choice of getting housing for my child and I. I have disputed these inaccuracies for three years, and the credit collections have yet to send me the original contract bearing my signature and what method is being used to verify these false debts. These credit collection companies are not adhering to The Fair Credit Reporting Act. It's been three years that I've been requesting the validity of these debts belonging to me, and they can't verify anything. 

I DO NOT WISH FOR ANY INFORMATION TO BE VERIFIED VIA E-OSCAR!!! Please speak to real people so that I can get real results!!! 

These inaccurate reportings are hindering me being a mother and providing housing.
Consumer complaint received 2022-10-27
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. (FL)

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. 

Personal Information XXXX XXXX XXXX ID # XXXX XXXX XXXX XXXX XXXX ID # XXXX XXXX XXXXXXXX XXXX ID # XXXX XXXX XXXX XXXX ID # XXXXXXXX Addresses XXXX XXXXXXXX XXXX XXXX XXXX FL XXXX 15 USC 1681 section 602 A. States I have the right to privacy. 

15 USC 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make and consumer report containing and 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 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish and information relating to a consumer to any consumer reporting agency if the person knows or reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: General Motors Financial Company, Inc. (MI)

GM Financial claims they sent me a final bill for a leased vehicle that was turned in early. I never received such bill. They then reported me to the credit bureaus for not paying the final payment even though i never knew until i applied for a mortgage refinance that i owed anything. When i disputed this by phone, they told me " we left you a voicemail on your cell phone '' ( no date was verified and i had no such voicemail '', but they admitted they should have called earlier and BEFORE reporting me to the bureaus. Further, they said they'd clear the negative marks from my credit report. Needless to say, i can not get my credit score adjusted fast enough to refinance my mortgage, so because of their admitted error, i will be in an unfortunate situation. My auto payments are ALWAYS on auto pay from my bank account so that i don't miss a payment. They inaccurately said i owed a balance for 6 months and missed monthly payments for 6 months AFTER i had turned in the leased vehicle. I am confident they knew they did not properly try to reach me for an unpaid balance and that's why they jumped to say they will remove the marks. Unfortunately, 30-45 days of waiting will not be suitable to help me. i have already spent countless hours on the phone with all 3 credit bureaus as well as GMF.