davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I was a victim of identity theft and I am currently in distress and suffering from XXXX  because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft.
Consumer complaint received 2017-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Trans union continue to report these unverifiable bankruptcy listings on my credit report. I have attempted to work with trans union directly on several occasions regarding this issue and I continue to get the runaround. Trans union has listed XXXX bankruptcies on my credit that are unverifiable and this is an illegal practice. The credit reporting agency asserts by way of the credit report, that United States Bankruptcy Court is the furnisher of this information. Seeing as how they are listed as the furnisher of information, I contacted the court to gain more information on the negative items. When I contact the courts regarding this issue, they are clear in stating that they do not report any information regarding bankruptcy cases to ANY credit reporting agency. This lead me to contact Transunion to inquire about where this information was coming from. According to the Fair Credit Reporting Act ; A credit reporting agency shall cease reporting any information that can be deemed inaccurate or unverifiable. In this case, these items are clearly unverifiable seeing as how the XXXX XXXX XXXX does NOT report to the credit reporting agencies. So if this is the case, how is TransUnion repeatedly verifying this item as correct when the information furnisher themselves is stating that they do not give out any information regarding the said case. At this point TransUnion is knowingly reporting unverifiable information and is in violation of the Fair Credit Reporting Act. ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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. I am asking that these two negative and inaccurate and most of all unverifiable items be removed from my credit report immediately.
Consumer complaint received 2017-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MS)

They continue to report a bankruptcy on my credit which is wrong and i demand for it to be removed ASAP ... .this is stressing me out and im tired of going back and forth with them on this matter
Consumer complaint received 2017-09-27
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC. (FL)

First, SunTrust bank refuses to allow mortgage clients to email or upload their insurance information. NO ONE uses paper and fax machines XXXX XXXX, except apparently SunTrust. They are not capable of using email to communicate and you can not email or upload insurance information. Second, SunTrust received my master condo flood policy weeks ago, but refuses to update my account accordingly. Third, SunTrust threatens to force place flood coverage on my condo for the outrageous premium amount of {$5900.00}! The entire condo carries a {>= $1,000,000} master flood policy, with a premium of {$60000.00}. I owe SunTrust {$69000.00}. The max coverage per home is {$250000.00}. Even if {$250000.00} coverage had to be placed, THERE IS NO WAY IT CAN COST {$5900.00} PER YEAR. SUN TRUST IS CLEARLY TRYING TO GET AWAY WITH ROBBING THEIR CUSTOMERS. THIS IS HAPPENING IN A FEMA DECLARED DISASTER AREA DUE TO HURRICANE IRMA! UNCONSCIONABLE.
Consumer complaint received 2017-09-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION (MS)

This company has over charged me for a car that isnt worth XXXX i paid a good amount down but they continued to over charge me in financing and everything ... I deserve to have this car reduced by alteast XXXX. I am very XXXX and tired of this company and i will be filling a report with the national attorney general office about this company they take advantage of people who dont have very good credit and just stick us into stuff
Consumer complaint received 2020-10-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I contacted Portfolio Recovery Services by phone about about 3 months ago and asked them to please tell me where this debt had come from gave them my new address and they failed to do so. I sent them an email after not hearing from them they failed to respond. I sent certified letter to portfolio recovery with request to validate debt and they failed to do so. I called Portfolio Recovery again and spoke with supervisor finally named XXXX who told me I needed to file a complaint with you guys. This company has failed to send me any proof other than a letter stating they purchased account from XXXX XXXX XXXX. No documentations of signatures recorded voice of me making this debt or anything that confirms the debt belongs to me please advise thank you
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I am requesting your assistance in addressing a wrong account on my credit report. This has harmed my reputation, and I require your help. The poor handling of my credit information has led to serious consequences, and I ask that these mistakes be removed so I can move forward with my family.
Consumer complaint received 2023-06-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (FL)

I have made numerous requests to have the addresses changed on all the accounts for my wife and I. The representatives have repeatedly neglected to make the address changes correctly that in turn has had statements and personal information exposed exposed to inaccurate addresses. I began calling customer service XX/XX/23 at XXXX am and was cold transferred to various XXXX where the address changes were unable to be completed in a timely nature because the online system would not recognize a new construction address. After 3 hours of being rerouted I was left with one last investment account address change where this request took over an hour totaling the entire experience to over 3 hours to change an address.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (DE)

I was astounded and disheartened to discover that credit inquiries were being conducted without my consent. I have attempted to obtain the following information from the creditors ; however, they have neglected to respond. Details of the Inquiry : Request that the creditor furnish specific information regarding the inquiry, including the date of its initiation, the purpose of the inquiry, and the credit product or service that is associated with it. Application Documentation : Obtain copies of any credit applications or other documents that are pertinent to the inquiry. This may encompass disclosures, agreements, or application forms that you would have completed or received during the credit application process. Documentation of Authorization : Request that the creditor furnish evidence of your authorization for the inquiry. This may encompass signed consent forms, agreements, or disclosures that serve as evidence that you authorized the creditor to access your credit report. Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. The documentation of your interactions with the creditor may encompass emails, letters, or notes. Internal Records : Request that the creditor furnish internal records or notes in connection with the inquiry, including any decision-making processes or rationales for initiating the inquiry. Identity Verification : Prior to commencing the inquiry, request that the creditor implement verification procedures to verify your identity in the event that identity theft is a concern. This may involve the verification of personal information or identity documents submitted during the application procedure. Documentation of Compliance : Inquire about the creditor 's adherence to pertinent laws and regulations that govern credit inquiries, including the Equal Credit Opportunity Act ( ECOA ) and the Fair Credit Reporting Act ( FCRA ).
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I am writing to express my deep frustration and serious concerns regarding the accuracy of my personal information on file with your institution. Upon reviewing my credit report, I was dismayed to find discrepancies that raise serious doubts about the completeness and accuracy of my records. Specifically, there are inconsistencies in my identification, Social Security number, and proof of address, which I have enclosed with this letter for your thorough examination. I respectfully urge you to investigate this issue thoroughly and promptly correct any inaccuracies to update my personal information accurately. 

Your agency is in violation! 
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 2021-07-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (FL)

I started disputing this company in XXXX of 2020 and this alleged debt has been affecting my credit. The debt collector hasn't provided proof that the alleged debt belongs to me. This is the 3rd time this debt was sold after proving that this alleged debt isnt mine due to the companys insufficient proof and a copy of a printout bill isnt proof this is affecting my ability to get a new home. I don't know why I'm being treated like this.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

Ive made several attempts to this company to stop reporting inaccurate information on my credit report, they refuse to do so and its causing me a world of trouble and stress. They did not complete a Social Security Form 3288 ( SSA-3288 ), which is required for permissible purpose under FCRA. This raises serious concerns about the legitimacy of the information reported, as well as the adherence to privacy regulations. I obtained my credit report it is reporting numerous inaccurate negative accounts. This has not only damaged my right to extend credit but it has made loose hope and trust within the banking system. I have been denied credit cards home loans because of this and my character has not only been defamed but my mental and physical health have suffered greatly. There is no law that says a consumer reporting agency MUST furnish information about a consumer which is why congress made it very clear that XXXX, transunion, XXXX ASSUMED this VITAL role pursuant to 15 USC 1681 ( a ) ( 3 ). Also, XXXX, transition, XXXX failed to be fair and respect my privacy according to 15 USC 1681 ( a ) ( XXXX ). I am requesting valid proof and documentation that these negative items were investigated fairly and properly. XXXX, Transunion, and XXXX is in violation of several federal laws including responsibility they have to protect my privacy. XXXX giving XXXX the opportunity to make this matter right by way of the following ; REMOVE ACCOUNTS : XXXX XXXX Account Opened XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XXXX XX/XX/XXXX, Bankruptcy XXXX. REMOVE LATE PAYMENTS, REMOVE INQUIRIES : XXXX XXXX XXXX, XXXX XXXX, XXXX 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 XXXXXXXX XXXX, XXXX XXXX, regional. REMOVE INACCURATE PERSONAL INFORMATION. XXXX XXXX : ( XXXX XXXX )
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

In accordance with the Fair Credit Reporting ace. The List of accounts below has violated my federally protected consumer privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 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 make 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 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.

15 U.S.C 1681 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 make 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 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. Delete account immediately.

In accordance with the Fair Credit Reporting ace. The List of accounts below has violated my federally protected consumer privacy and confidentiality under 15 USC 1681. Here are the following inquirie XXXXXXXX XXXX of XXXX has violated my rights. 
XXXX  XXXX XXXX has violated my rights. 
XXXX XXXX XXXX has violated my rights.
Consumer complaint received 2019-04-01
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BBVA FINANCIAL CORPORATION (AL)

1. I was charged a service fee of {$25.00} on a BBVA Compass ClearChoice Free Checking account on XX/XX/XXXX on an account ending in XXXX. The transaction was disputed by phone and secure XXXX messaging. It showed a posting date of XX/XX/XXXX which was a future date which I was able to dispute on XX/XX/XXXX because it had already posted to my checking account. BBVA called it a Bank Fee. 
2. I had a money market account with BBVA compass which I was charged a {$15.00} service fee for an account ending in XXXX, that did not charge fees on the balance I carried. It was disputed by phone and by secure BBVA Compass messaging. 
3. I disputed a charge to my credit card with is showing a charge in the amount of {$590.00} via secure messaging on the BBVA Compass website. It is from a company calling themselves XXXX XXXX XXXX  in XXXX, CA dated XX/XX/XXXX. I closed the credit card number and requested a new credit card account and have done that twice and the charge is still showing on my account. I blocked two credit card accounts with that charge and those accounts end in XXXX and XXXX. I have not done business with that account ever in my life. 

There are a lot of problems with this bank in particular and it did not start until around XX/XX/XXXX time frame. They have not honored any of the account benefits that came with these accounts and currently I pay them and continue to be cheated and have my funds stolen.
Consumer complaint received 2024-08-23
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. (LA)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 

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. 

Account Name : XXXX XXXX XXXX # XXXX - BALANCE {$13000.00} DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX DATE OPENED XX/XX/XXXX Unauthorized inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2017-09-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (GA)

Navient reported me as 120 days past due during their process of returning my loans to Dept. of Education. This act along with numerous hits on my credit report almost caused me to not be able to get a job. I ca n't get a car loan because of this reporting. 

I was unemployed for 7 years. Most of this time I was on deferment with Navient. Every 6 weeks or so they would send me an email to let me know it was time to reapply for deferment so that it would not affect my credit. In XX/XX/XXXX, my present employer did a background check on me and said Navient reported me as being 120 days past due. If I had not shown them the XXXX balance from Navient, I would have not gotten this job. 

I did n't get a notice of this transfer from Navient nor was I provided with a way to continue to reapply for deferment. 

After my employer gave me the credit information, I logged into my Navient account and the balance is XXXX and the status was " Paid by Navient/Dept of Education ''. I was confused by this. It took me 3 more days to find out that CFPB had sued Navient. During this time I suppose Navient just decided to transfer the loans and not provide an alternative method for me to continue to be in deferment. 

In XX/XX/XXXX, I was reported by Navient as being 120 days past due. My math tells me they put me in default 4 months prior to XX/XX/XXXX even though the DOE said the loans were sent back to them starting on XX/XX/XXXX ( the last entry in my Navient account is XX/XX/XXXX ). I do not  understand why Navient did not communicate with me before my credit was destroyed. I also do not understand why they have so many entries on my credit report ( more than 100 entries in a short period of time ). My credit before this, even while I was unemployed, was XXXX. It is now XXXX and XXXX and I ca n't get a car loan so I can get to my new job without getting a ride from a relative. 

I would like to know why Navient reported me as 120 days past due and why so many entries on my credit report. I would also like to know why my Navient account shows " paid by '' instead of " transferred '' to DOE. I had to search to find this information. 

Also, it looks like Navient reported me 120 days past due in XX/XX/XXXX, but the loans were not moved back to the DOE until XX/XX/XXXX. 120 days would be about XX/XX/XXXX. By the time XX/XX/XXXX came around my loans were already in default and now I 've had to enter into a rehabilitation program with DOE before I can find another lender to consolidate the loans, which means more interest is going to accumulate. 

I feel it was extremely unfair for Navient to destroy my credit this way. I ca n't get my own apartment or a vehicle because of this issue. All they had to do was tell me how to continue with deferment instead of destroying my credit.
Consumer complaint received 2021-07-01
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 a victim of identity theft. The information below, which appears on my credit report does not relate to any transactions that I shave made. It is the result of identity theft. 

1. Us Dept of Education in the amount of {$1900.00} 2. Us Dept of Education in the amount of {$8900.00} 3. Us Dept of Education in the amount of {$4300.00}
Consumer complaint received 2022-01-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc. (TX)

In XX/XX/2020, I was scheduled for several medical appointments with various providers by XXXX XXXX XXXX ( XXXX ) on behalf of the Veteran 's Administration ( VA ) for Compensation and Pension ( C & P ) exams to determine the validity of my XXXX claim with the VAXXXX One of these appointments was for x-rays at XXXX XXXX XXXX XXXX XXXX XXXX XXXX Virginia XXXX XXXX, who scheduled the exams, assured me that all appointment costs were covered, and they even reimbursed me for mileage to and from each appointment. 

When I attended the appointment, after the x-rays were completed, I talked to a receptionist at the front desk and told her that XXXX and the VA cover the appointment. Several weeks later I received a bill for this appointment totalling {$140.00}. At this time, I called the medical center directly and again told them to direct this bill towards XXXX. I then called XXXX directly and attempted to have them reach out to the medical office to take care of this debt. I received several more bills for this debt, and each time tried to get the medical center and XXXX to take care of it. It is now on my credit report as in collections, and I have disputed it to no avail with all three credit bureaus. 

The appointment was on XX/XX/2020 The appointment location : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX