davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-22
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. (AZ)

Urgent Dispute of Reinstated Missed Payments on Credit Report To Whom It May Concern, I am writing to formally dispute the reappearance of missed payments on my credit report associated with two XXXX XXXX XXXX credit card accounts. These missed payments were initially removed after a dispute, and I received the updated results from TransUnion on [ XX/XX/year> ] confirming their removal. However, on [ XX/XX/year>. XX/XX/year> ], my credit report was inexplicably updated, and the same missed payments were reinstated. This action is not only incorrect but also appears fraudulent as it contradicts the resolution provided in the dispute results I received. I have proof of the original dispute results showing that these missed payments were removed, which I am prepared to provide. As a consumer, I have the right under the Fair Credit Reporting Act ( FCRA ) to have accurate information reported on my credit file. The reinstatement of these missed payments is a clear violation of this right. I am requesting that TransUnion immediately remove these inaccurate missed payments from my credit report and ensure that they are permanently deleted. Please confirm in writing that this matter has been resolved. Additionally, I request that you provide me with an updated copy of my credit report showing the removal of these disputed items. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX
Consumer complaint received 2023-07-21
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: Experian Information Solutions Inc. (GA)

To Whom It May Concern, Consider this letter a formal instruction and unequivocal authorization to immediately remove and delete the inquiry made by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/2023, from both the consumer report and file associated with the SSN and File Number referenced above. I expect full compliance with this demand, as it is well within my rights under 15 U.S. Code 1681 of the FCRA and 16 CFR 313.3 ( o ) ( 2 ) ( D ).

Failure to comply with this directive within 5 business days from the date of receipt of this notice will be viewed as a deliberate violation of my rights, and I will not hesitate to pursue all legal avenues available to rectify the situation and seek appropriate remedies.

To emphasize the urgency of this matter, I demand your immediate attention and action. Remove the aforementioned inquiry without delay and ensure its complete eradication from all pertinent records.

Attached for your reference and verification are the following supporting documents : 1. USSA PASSPORT CARD 2. FTC IDENTITY THEFT REPORT I expect a written confirmation of the inquiry 's removal within a reasonable timeframe, affirming that my consumer report and associated file have been thoroughly purged of this derogatory information. 

Take this demand seriously, as any further delay or noncompliance will be met with swift and decisive action. 

Regards, XXXX XXXX XXXX
Consumer complaint received 2023-07-21
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. (NV)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2023-08-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: DIME COMMUNITY BANCSHARES, INC. (NY)

There are information on my XXXX XXXX that is stopping me from opening bank account reported by Dime Community Bank. About writing checks on a closed bank account there was a error with the check books and wrote the check from the wrong check book.
Consumer complaint received 2023-07-21
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. (NV)

Despite my multiple attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue has yet to be resolved. The inclusion of these items has had a profound impact on my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2023-07-21
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. (NV)

I have made multiple attempts to address the issue of fraudulent inquiries appearing on my consumer report. These inquiries, which do not belong to me and for which I hold no responsibility, have caused significant mental and financial distress. As a victim of identity theft, I am left with no choice but to consider legal action if this complaint is not handled appropriately. These inaccurate and fraudulent items on my consumer report have prevented me from purchasing my dream house and meeting the needs of my family. The impact on my financial well-being has been substantial.
Consumer complaint received 2023-07-21
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: Experian Information Solutions Inc. (PA)

Applied for a company credit card at XXXX. XXXX XXXX did a hard credit inquiry on my account without my knowledge or authorization, either written, verbal or implied. I contacted the credit bureau, they referred me to XXXX, who ran me around for quite some time then told me that they could not remove it per policy. No last names were given. 

I spoke to a XXXX and an XXXX. 

XXXX, no last name was the supervisor who declined to discuss it with me or even come on the line.
Consumer complaint received 2023-05-10
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: SLM CORPORATION (TX)

On XX/XX/XXXX, I reached out to Sallie Mae, requesting a forbearance. I informed them that I had gotten laid off from my job, that I applied for unemployment benefits and that my co-signer ( mom ) is retired and is on a fixed income. In response, the representative claimed that they would still like a payment from me despite all of these circumstances. The representative also suggested I look into an extra job like XXXX to make extra money to keep up with my Sallie Mae payments. I am very disappointed with the way this situation was handled. Sallie Mae has no forbearance system in place for those who have been laid off. At the moment, I have XXXX income and actively searching for work. It is very unfair that Sallie Mae still expects a payment from me and my co-signer based on our circumstances. Based on the Sallie Mae website, you qualify for forbearance if you happen to go back to school/college and yet if you were involuntarily laid off, you dont qualify? I find this very discriminatory that I cant qualify because I am not in school. I also find it unfair at the fact, they want to use part of my unemployment benefits ( which will be used to paying my rent, car insurance, car payment, electricity, water, wifi, etc. ) to determine how much I can still pay. There should be a system in place catered to those who are laid off from their jobs and offer forbearance options too. It doesnt make sense to take payments despite the borrowers circumstances. Its very cruel that they treat their customers like piggy banks instead of actual people. XXXX empathy.
Consumer complaint received 2023-05-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CADENCE BANK (MS)

My issue is with Cadence Bank 's online system verification that includes being able to pay my credit card. I have changed my telephone number contact number on repeated occasions with Cadence Bank customer service representatives and in the online website account information and the telephone number continues to revert back to a telephone number that no longer applies to me. 
Due to not maintaining bank records, the fraud department was not able to reach me on one occasion and denied a transaction I was conducting and the online verification process can not be completed and I was not allowed to log-in. The process produced the incorrect telephone number and asked if I wanted to receive a text message or a telephone call to complete the verification process. Since the telephone number is no longer good for me and I can not access it, the online system could not complete their verification process. 
I contacted the bank through their contact us link on their website and both times I received a canned response that my email was received and that I would be contacted as soon as possible by a customer service representative. I did not receive any response from their Customer Service with the last request sent to them on XX/XX/XXXX. If they are trying to reach me at the number they have on file, it is incorrect. I have corrected it many times including in correspondence of a previous complaint about this bank.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (KS)

I checked my credit report and I noticed some inquiries and accounts that was opened fraudulently and I file for an identity theft. Below are the accounts and inquiries that was opened without my knowledge XXXX XXXX {$290.00} opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  {$360.00} opened XX/XX/XXXXXXXX XXXX XXXX  {$2700.00} opened XX/XX/XXXX XXXX XXXX XXXX {$3400.00} opened XX/XX/XXXX XXXX XXXX XXXX {$19000.00} opened XX/XX/XXXX XXXX XXXX XXXX  opened XX/XX/XXXX XXXX XXXX XXXX XXXX {$16000.00} opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX opened XX/XX/XXXX XXXX XXXX opened XX/XX/XXXX XXXX XXXX XXXX opened XX/XX/XXXX {$200.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX opened XX/XX/XXXXXXXX XXXX  opened XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX XXXX XXXX XXXX  opened XX/XX/XXXX XXXXXXXX XXXX XXXX opened XX/XX/XXXX
Consumer complaint received 2023-05-10
Product: Credit card or prepaid card — General-purpose credit card or charge 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 (PA)

The company ( Verizon Visa Card issued by Synchrony Bank ) failed to record a payment made by check which cleared my bank on XX/XX/XXXX. The company was unable to confirm receipt of my cancelled check through their secure website dispute submission. I spoke with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The company sent me a refund check for {$1600.00} which is erroneous. I am claiming a refund amount of {$840.00} which would leave the account at XXXX. Multiple attempts to resolve this issue have failed due to the difficulty of speaking with a competent customer service representative.
Consumer complaint received 2023-07-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY (NJ)

TD BANK N.A. is improperly and illegally reporting a collection on my credit report under acct # XXXX. 

This is affecting my credit score and ability to apply for new credit.

Please remove it immediately.
Consumer complaint received 2023-07-21
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. (LA)

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. 

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 inructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2023-08-08
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. (NJ)

Public records information was never validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. My inquiry to the County Recorder of Deeds and U. S. Bankruptcy Courts confirmed Equifax Credit Bureau and XXXX has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I need all bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately. You needs to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under Public Records needs to be immediately deleted. You needs to provide me with copies Be further advised that I am closely monitoring my credit file. Per the Federal Law, you have exactly 15 days to complete this investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ). You went past that 15 days. It is required by law to give me full disclosure of information and description on the procedure. I wasn't given any proof. Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify through physical verification of the original signed consumer contract and/or judgment ( s ) all accounts and public information that you post on anyones credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information.
Consumer complaint received 2023-09-29
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: Experian Information Solutions Inc. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Debt Recovery Solutions, LLC (OK)

I am being billed for a XXXX debt that was paid and settled in XXXX. I have emailed and written to the company and the response I received was : '' Hello. We will certainly notate your account of your dispute, and collections will continue. '' XXXX XXXX XXXX XXXX XXXX XXXX of Client Services I have contacted the original creditor, XXXX XXXX XXXX and they confirmed that I have no outstand balance in collections. The account number provided by Debt Recovery Solutions as the original account number is not even one of their account numbers. 

I believe this is a fraudulent attempt to collect on a debt that doesn't exist.
Consumer complaint received 2023-08-08
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. (IL)

I notified Trans Union and XXXX and experian About fraud accounts and I also notified the companies that these companies did not have my written consent to report to any 3rd parties and or share my information with any 3rd parties. 

15 USC 1681 ( a ) accuracy and fairness of credit reporting.

( 4 ) There is a need to insure that consumer Reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

15 USC 1681a ( 2 ) EXCLUSION - EXEPT AS PROVIDED IN PARAGRAPH ( 3 ) THE TERM " CONSUMER REPORT " DOES NOT INCLUDE ( i ) REPORT CONTAINING INFORMATION SOLEY AS TO TRANSACTIONS OR EXPERIENCES BETWEEN THE CONSUMER AND THE PERSON MAKING THE REPORT.
Consumer complaint received 2023-07-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Bridgecrest Acceptance Corporation (DE)

In XX/XX/XXXX I entered into a auto finance agreement with Bridgecrest XXXX XXXX XXXX, the financed amount included additional Gap insurance coverage. In XX/XX/XXXX I was in a car accident, at no fault of my own. I filed a claim with progressive after some time my car was deemed a total loss. I signed the required releases and the XXXX  adjuster proceeded to notify Bridgecrest. On XX/XX/XXXX Bridgecrest emailed a total loss notification to me. In the email I was asked provide a Vehicle evaluation and Settlement breakdown. The email also instructed me to include my account number and VIN on each page. The methods I was given to return the documentation was email or fax. On XX/XX/XXXX I sent an email to XXXX with the required information that was requested. I did not receive any correspondence from Bridgecrest or XXXX, XXXX, who apparently is involved with my Gap insurance. Because I signed all releases for progressive to issue payment to Bridgecrest and Bridgecrest nor XXXX, XXXX contacted me further I assumed that the car issue was resolved. On XX/XX/XXXX I reviewed my credit report in anticipation of purchasing another vehicle. I found that my account with Bridgecrest showed charged off with all 3 credit bureaus. I called Bridgecrest and was transferred to what I think was collection or charge off department. I was told my account had been charged off and no payment had been made, when I inquired about the insurance payment and Gap insurance payout, I was told that because no payment had been received that Gap had not paid out, I asked why insurance had not paid I was told the payoff offer was less than the amount owed on the loan. I thought the entire purpose of Gap insurance was to cover the gap between the amount insurance paid and the amount owed. I was told that I needed to talk to the total loss department, but I could not talk to them as a customer only insurance adjusters could contact them. On XX/XX/XXXX I called the adjuster and she explained that they are waiting on Bridgecrest to return the letter of guarantee. She said as soon as that letter is returned she can issue payment immediately, but shes been trying to contact Bridgecrest and know one from Bridgecrest or XXXX had returned her calls or emails and she has been trying to get this letter to be returned so she can issue payment and resolve my claim. They gave her a contact person by the name of XXXX as of today XX/XX/XXXX XXXX has not responded either. I dont believe this will ever be resolved
Consumer complaint received 2024-08-23
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. (NJ)

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.