davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-22
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: Experian Information Solutions Inc. (CA)

On XX/XX/2023, I received an e-mail from experian.com stating my " request '' to block my personal information due to Identity Theft was denied. The e-mail requested that I send in copies of my personal information to verify my Identity. I phoned Experian today at XXXX to request a copy of the " request '' and I informed the Membership Dept, Dispute Dept and Fraud Dept that I Did Not Make the " request '' ( I was transferred to all Depts ). I was told by all three Depts that I was unable to get a copy of this " request '' and that they did not have the request on file. This is very disturbing to me and seems as if someone is being allowed to access my credit profile and report without my permission. I do have a Credit Freeze and Fraud Alert in place.
Consumer complaint received 2023-05-02
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)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these inquiries ( A ). It is unacceptable to list these inquiries as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-22
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. (WI)

Have excessive telephone numbers reported on Trans Union Credit Breau and unable to login to dispute and " Block because I am Black Blocked '' so they can implement systemic discrimination as Tran Union is not allowing me to dispute reporting by blocking Black from login into their system to continue their report of erroneous information as to excessive telephone and not reporting or allowing update to correct telephone number of XXXX to assist companies and Banks discriminate. 

It's been said that government agencies like " Social Security Administration and IRS '' have Dept. of Justice to harass senior citizen and cover-up discriminate and could be involved with this type of corruption or discrimination or due to politics. Practice to evade federal protection at FRCA or ECOA and other laws to protection American by systemically discrimination and maybe one of the cause violations in America. 
Even XXXX XXXX employees have no power to correct allow login because I am Black Blocked. 

XXXX will not let me login or anything because they want to continue to report erroneous information systemically to Black-Blocked my credit file.
Consumer complaint received 2023-05-02
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. (TX)

I decided to look at my credit report and notice that XXXX XXXX XXXX is still reporting inaccurate information on all of my credit bureaus. I have paid this debt and they have agreed to remove the debt and it is still reporting on my credit. From my understanding the credit reporting agencies are supposed to be all accurate and I have attached where Date of last Active all are reporting with different dates, date of last payment ares seriously reporting inaccurately and each credit report agency are supposed to report on the same. I have attached documents
Consumer complaint received 2023-05-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Neon Newco Corporation (NY)

Good evening. 
I would like to file a complaint against brinks pre paid card. I've had their service since 2017 and all of the sudden my routing and account number have been changed. This is an account that Social Security and XXXX XXXX XXXX send my checks via direct deposit, and now my check is lost in space somehow. I was never notified of the changez, 4 employees were extremely rude to me today. I have XXXX, XXXX, XXXX, and I am having a XXXX XXXX. In truly ready to go to the hospital, I can't provide for my family because this company has stolen my money by changing my account numbers.
Consumer complaint received 2023-07-26
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: Experian Information Solutions Inc. (CA)

On XX/XX/2023. I sent a letter regarding accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person. I have attached letters for my new complaint to the bureaus.
Consumer complaint received 2016-03-23
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE) (TX)

XXXX XXXX and UAC failed to provide the services that they sold me on. They never reported the correct information on my credit report of me paying on time with not one missed payment, when they should have done so as they promised in their contracts, they also didnt honor a warranty on a faulty car that knowingly they supplied a bad transmission and returned it to me- which had to be towed away from the mechanics shop that I was told to take the vehicle to. The moment that I take my vehicle in for repairs and they provide a faulty transmission and I refuse to give them another dollar until they fix it, being that it is under warranty they happen to repossess the vehicle and do a charge off/collections. I also reported them to the XXXX two times, they have gone as far as submitting a story that is far from the truth. I have the receipts and an email to prove that they lied, saying that they honored the warranty that I refused to pay for the vehicle with other things that the vehicle did not have. With that being said, insult on top of injury they do not report correctly to the credit bureaus repeatedly.
Consumer complaint received 2023-06-06
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. (FL)

This is my formal complaint to Transunion I sent a letter last XX/XX/2022, to them regarding the unauthorized inquiries reflecting on my credit report and I did not see any changes made at all. The inaccurate information are still reporting. 

My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 an account without my written instruction.
Consumer complaint received 2024-08-14
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: ENCORE CAPITAL GROUP INC. (MI)

I looked at my report back on XX/XX/2024, 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. These accounts [ ( XXXX XXXX XXXX XXXX XXXX XXXX MIDLAND CREDIT MANAGEMENTXXXXXXXX XXXX, & XXXX XXXX  XXXX are not complete and accurate, Open date is not reporting correctly, date last active, date of last payment is not correct, these accounts is not a Accurate.
Consumer complaint received 2023-03-22
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: Experian Information Solutions Inc. (TX)

The credit agencies continuously disrespect the laws. I have showed them on many occasions, how they are violating the Fair Credit Reporting Act. 
According to 15 U.S. Code 1681i ( 5 ) the credit agencies must modify or delete accounts that are not reporting accurately. 

According to 15 U.S. Code 1681b ( 1 ) the credit agencies dont have any written permission.

According to 15 U.S. Code 1681 I have the right to privacy.

According to 15 U.S. Code 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can further expand on the negligence. 

The credit agencies have no respect for the laws or me as a consumer. 

They should be held accountable for their daily actions.
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: EQUIFAX, INC. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-22
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. (NY)

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 I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information The name and address of the original creditor and the current creditor.

1. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

2. Full complete and correct social security number to help identify me as the correct person you are trying to collect from 3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 4. Proof that the original creditor securitized the debt. 5. Documentation showing the as
signments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-08-06
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. (SC)

In accordance with the Fair Credit Reporting act XXXX  Account name XXXX XXXX XXXX Account # 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
Consumer complaint received 2023-03-22
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. (LA)

Please See Attached account disputes documents detailing inaccurate reporting practices on my consumer report that are violating my consumer rights and damaging my reputation and credit history in the eyes of creditors past and present. As defined by the IRS Even if you didn't receive a tax form 1099-c you must report cancelled debt and gross income The IRS clearly states charge off as income the reporting of this account is inaccurate. INCOME DOES NOT GET REPORTED ON THE COSUMER REPORT, WHICH MAKES THIS REPURTING INACCURATE. By definition, the IRS clearly states, the charge off is income, the reporting of this account as inaccurate. I dispute any debt these companies claims to have on me. You must stop all collection activities. Do not call my telphone number. If you were ever giving permission to call this telephone number I am revoking that now. My demands are : For you to provide me the audit trail This is what I need included in the audit trail : * Account file * Ledger * All accounting documents * The transactional history
Consumer complaint received 2023-03-22
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: Trident Asset Management, L.L.C. (LA)

This creditor is violating my rights under the Fair Credit Reporting Act - 15 U.S.C.1681 section 602 - states I have the right to privacy. Under 15 U.S.C. 1681 section 604a section .2 also states a consumer an not furnish an account without my written instructions and consent. 

TRIDENT ASSET MANAGEME is reporting I owe a debt of {$610.00} to them and this is false. I do not have an account with them nor have they provided me with a copy of the contract I have with their company with my signature.
Consumer complaint received 2023-03-22
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I filed a claim with Bank of America about a dispute for a charge in my VISA credit card that didn't have any support. I have submitted the documents to bank of America that shows that the charge was XXXX. Its was XXXX XXXX, and didn't have any specific description about the goods and/or services acquired. 
On XX/XX/2023, I received a letter from Bank of America that the Bank completed the research and have denied my claim. According to the Bank of America could be for extra miles, extra days, violations, refueling, and damages with a XXXX XXXX XXXX XXXX. 
But the Bank don't have clarity what about the specific charge is, because there are a wide and extensive range of items hat could be apply. 
I did the claim, because in my understanding the XXXX XXXX XXXX XXXXXXXX didn't specified the concept of the charge. 
The research and answer of Bank of America is very ambiguous.
Consumer complaint received 2016-10-09
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Bank of America would not remove me from XXXX, nor XXXX. I opened an account with Bank of America XX/XX/XXXX and my account was closed due to Bank of America suppected fraud on my behalf. However, I shared my story with Bank of America by certified mail, and I have not heard from them yet. I even wrote XXXX and they do not have any record of me. However, XXXX on the other hand say they do have a record of me. Moreover, I am consistently getting denied a bank account. I also have settled my debt with Bank of America. I paid {$190.00}.
Consumer complaint received 2015-06-26
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (MI)

I attended XXXX XXXX XXXX ( XXXX XXXX, MI ), around XXXX. The courses were too difficult for me to comprehend, so I withdrew from my classes in the allowed timeframe, after completing a semester. 
I committed a crime, and was imprisoned from XXXX XXXX to XXXX XXXX. During my prison stay ( XXXX ), I began to receive bills from a creditor concerning XXXX XXXX. I immediately typed/notarized a letter informing the creditor that I was housed in XXXX and was unable to make payments at that time. 
Upon my release ( XXXX ), I made contact with Navient Solutions concerning the XXXX private loans. I made payment arrangements, which were in agreed upon with Navient Solutions. I have been making, my scheduled payments, as agreed upon. 
The problem is, Navient Solutions, has continued to charge me interest on the XXXX loans. XXXX of the loans is being charged as much as {$100.00} in interest per month. 
I am mentally XXXX and receive. XXXX monthly payment per month. I am making my agreed upon payments each month, I can not afford for Navient to charge me these interest rates every month. Also, I put the XXXX private loans on my bankruptcy which was discharged, and Navient Solutions stated that does not change the loan, Is this true?
Consumer complaint received 2015-08-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

I applied for assistance with my mortgage via my attorney on XXXX/XXXX/2015. My attorney confirmed a complete financial package had been received on XXXX/XXXX/2015. Bank of America is my servicer. The person assigned to my application has stated to my attorney they can not and will not use my pay stubs because the pay stubs do not show an ending date for my pay period. However, the company I work for is XXXX of the XXXX in the state of Nevada ( XXXX ) and they issue all of their pay stubs this way. This is simply an excuse to evade reviewing me for assistance. I have already been approved once before and my pay stubs have not changed. My attorney also advised me that they have assisted hundreds of other people who work for XXXX using the same type pay stub and no other underwriter, point of contact or servicer has had a problem with the pay stubs. It is obvious what the pay period end date is as I am paid every XXXX weeks. The start of the pay period is listed as well as the actual pay date. Underwriting can either calculate the date themself or simply go off of the pay date. Rejecting my application is unreasonable, unfair and possibly illegal per Regulation X of Respa servicing laws. They need to stop playing games regarding my pay stubs and move forward with the review. I have supplied a verification of employment as well and they have everything necessary to review my application.