davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-25
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. (AZ)

On or about XX/XX/XXXX XXXX XXXX reported private information to one of my partners ( XXXX ) which has and continues to cause me financial harm. I have lost an estimated {$14000.00} ( {$1200.00} weekly ) due to this unauthorized reporting. In accordance with the FCRA, XXXX is in violation of : 15 USC 1681 section 602 which states I have a right to privacy. 15 USC 1681 section 604 also states a consumer reporting agency can not furnish an account without prior written instructions. 15 USC 1681 C ( a ) ( 5 ) states no consumer reporting agency may make any consumer report containing any of the following items of information or adverse items 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 any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

I have been disputing unverified, fraudulent and non consented information reporting on my consumer reports dating back to XXXX. I have been a victim of identity theft. I have sent over 7 correspondence to all three major consumer reporting agencies requesting validation of debt, correcting name, address, and phone number along with requesting the removal any fraudulent accounts, inquiries, names, addresses, and/or phone numbers showing on my consumer reports that are not valid with minimal corrections. The companies Equifax, XXXX and XXXX were all asked to provide proof being a contract/agreement validating any disputed items on my consumer report and I have yet to receive anything but its verified. Someone needs to be held accountable for the fraud taking place including but not limited to the unauthorized use of my XXXX XXXX XXXX XXXX XXXX and restitution should be made by any company or individual without my consent or a valid contract.
Consumer complaint received 2024-02-09
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION (GA)

Ive called and talked to Salle Mae over a hundred times about lowering my monthly payments. They take down my financial information and tell me that theyre trying to help, however they tell me what I can afford without considering what I actually can afford to pay them a month. They tell me that its their best program however, they expect me to pay what they want to each month without considering my everyday expenses. They are a money hungry company and I advise everyone to stay far away from them. When you call, you never talk to the same person and it becomes your fault even though you tried to contact the right person but they just report you to the credit bureau. They
Consumer complaint received 2024-07-08
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. (CA)

I trust this correspondence finds you in good health. I am writing to bring to your attention a troubling discrepancy within my credit report concerning late payments associated with my account. Upon meticulous review of my report, I have identified instances where late payments have been inaccurately recorded, adversely affecting my credit standing. Upon contacting the bank linked to this account, they acknowledged a fault on their part. They have committed to rectifying the error by updating and amending my account to accurately reflect my payment history. They attributed these inaccuracies to a system glitch that led to the erroneous reporting of late payments. It is perplexing to me that while other credit bureaus have already rectified the status of this account, your bureau continues to report this late payments. This disparity in reporting raises doubts regarding the verification protocols employed by your bureau to ensure the precision of reported information. 

XXXX XXXX
Consumer complaint received 2024-02-09
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: U.S. BANCORP (DC)

At the end of XX/XX/2024, I applied for a business XXXX  with US Bank and provided all the necessary information. I have great credit and little to no debt under my business or personal name and was denied a business XXXX for my company. This is tiring game that I am all too familiar with when it comes to being a woman of color applying for any credit. I am positive that this is some form of discrimination because I can easily afford the loan and have no clue as to why I would be denied.
Consumer complaint received 2024-08-04
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. (FL)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM *******
Consumer complaint received 2023-12-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TOYOTA MOTOR CREDIT CORPORATION (MD)

I have repeatedly notified Toyota Motor Credit Corporation that this account and alleged debt is disputed, I have requested verification of the debt along with the name and address of the original creditor. Without verification from someone with firsthand knowledge of this alleged debt, that can swear to the validity of this debt and prove that a loan was given to me by Toyota Motor Credit Corporation, this debt remains unverified and uncollectible. However, even with this account and alleged debt still being unverifiable, Toyota Motor Credit Corporation is still harassing me, and sharing false unverified information to third parties without my consent, and harming my reputation through sharing information that should be known to be false.
Consumer complaint received 2024-07-08
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. (KS)

The collections agency has engaged in false and misleading practices violating ftc 807 and ftc 8012. Regarding XXXX XXXXXXXX XXXX on my credit report.
Consumer complaint received 2024-07-08
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. (FL)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-07-31
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: HW Holding, Inc (NY)

I spoke to the original company. Their workers made an agreement to keep the TV and other appliances in the apartment and agreed to remove everything else. They obviously didnt do it. I just explained the situation to the creditor and I also explained that I was in the process of purchasing a house and the creditor basically threatened my with the good luck trying to buy the house.
Consumer complaint received 2024-09-04
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. (CA)

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor. 
Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Consumer complaint received 2024-07-23
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. (PA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-10-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc. (CA)

XXXX XXXX was removed from paid ahead status but the SAVE payment calculation is incorrect. My original save payment calculation for that loan was XXXX but aidvantage is currently reporting that I will owe XXXX under SAVE. 

this is incorrect- the XXXX is what I would owe if I were on the standard repayment plan. 
They refuse to update the payment amount due.
Consumer complaint received 2024-07-06
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. (MI)

I recently reviewed a copy of my credit report. Please remove these accounts from my credit report they are hurting my ability to obtain credit. 

XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year>
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AZ)

Recently I did an investigation on my credit report and found some items may be inaccurate and in fact breaking the law.

Under 15 U.S. Code 19681 e ( b ) accuracy of report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 Code 19681 I ( 5 ) Treatment of inaccurate information or unverifiable information ( A ) in general if after any reinvestigation under paragraph ( 1 ) if any information disputed by a consumer an item of the information is found to be inaccurate or incomplete can not be verified, the consumer reporting agency shall ( i ) promptly delete the item if information from the file of the consumer or modify the information as appropriate based on the results of the investigation, and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the items from my credit report. 

XXXX XXXX XXXX XXXX, SC Original creditor Says Last reported XX/XX/XXXX Last Payment Date was XX/XX/XXXX according to their records They are saying the account was Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) to the credit bureaus.
Consumer complaint received 2019-07-31
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: MNS & Associates LLC (TN)

XXXX XXXX XXXX was placed in charge off status I reached out to either settle the debt or make payment arrangements there csr rep put me through to a collections specialist. The specialist informed me that my account had been sold and that she could not help me I needed to call back in a few weeks and that a letter would be sent with the information for the new company. I waited for weeks and called back no luck nor did not receive a letter. I started receiving calls from this company MNS saying I have a legal action against me and that a judge has will motion a civil suit and arrest against me. On XX/XX/XXXX I make a phone call out to this number 877 number a gentleman tells me that I am going to taking to jail and have a civil action placed against me if I do not pay this {$700.00} dollar balance. I did cut him off and informed him that I have made attempts to pay the balance and no notice was sent to me and every time I call I get nothing. I said if you send me a balance due invoice, I will look at it call back and work on paying. He informed me that he was not sending me anything. I will either pay or be sued or arrested. It got into a heated argument at the point where I told the gentleman do not contact me again and hung up. They have even called my mother on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX 10 times in a row leaving voicemails on her line my mom answered once and asked them to stop calling her. I get this local XXXX XXXX XXXX number calling me they will leave a voicemail with people just talking in the background. on XX/XX/XXXX my work line received and missed phone call and voicemail with the same thing. My co-manager called the number back he proceeds to ask for me but butchers the name and my co-manager says he has the wrong number this is a clubhouse line. He tells my manager to stop lying he knows it is me she said I have no idea what you are talking about this a work line. I am being constantly harrassed my co-workers are being talked to in an ill manner and my mother is being harrassed. I need this to stop before I lose my job.
Consumer complaint received 2024-07-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

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 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 2024-02-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (TX)

I have {$250.00} in my Venmo account. Upon receiving these funds, Venmo suspended my account and asked for identity verification. I provided my drivers license to which Venmo responded my account has been permanently suspended due to violating terms. They will not tell me which terms I violated and there are no terms that Ive read that have been violated. Venmo will not release my funds for 180 days. Every time I call, Im told to email an account specialist, whose department only works via email. The account specialists keep copy : pasting the same message saying my account is suspended and I may receive my funds after 180 days.
Consumer complaint received 2024-07-08
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. (GA)

I sent a letter to XXXX TransUnion and XXXX to verify and update the accounts on my credit report I asked them to reinvest the completion and accuracy I got my investigation back and noticed the didn't update my account according to usc 1681i 5 that's a violation of multiple laws remove this account from my credit report Account : XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX Please remove the following address XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX please remove these closed accounts there were no account numbers 1 ) XXXX XXXX price $ {$470.00} 2 ) XXXX XXXX {$0.00} for 1 ) XXXX XXXX XXXXXX/XX/XXXX 2 ) XXXX XXXX XX/XX/XXXX XXXX ) source recub {$1500.00} 15 U.S.C. 1681 section 604A Section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1C ( a\5 ) Section State : No consumer reporting agency may make in consumer report containing any of the following items of information any other adverse items of information other than records of convictions of crime which are antedated the reports by more than seven years.

15 U! S.C. 1681s2 ( A ) ( 1 ) A A person should not furnish any information relating to a consumer to any consumer reporting agency if the personals or has reasonable cause to believe that the information is in accurate.
Consumer complaint received 2024-07-08
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. (CA)

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have XXXX XXXX days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-01
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. (OH)

I've been a victim of identity theft. My information was exposed to the public in the XXXX data breach, AND as a result of my ex-wife, XXXX XXXX, using my information during our marriage unbeknownst to me. I noticed some unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm and difficulties for me. I need these fraudulent accounts removed expeditiously AND PERMANENTLY or I will be suing.
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (CA)

XXXX Submit LexisNexis State disclosure report dispute via online portal - Case # XXXX. Reports contain fraudulent and incorrect name, address, phone, business association, email, marketing, property deed, insurance, inquiry, digital idenitty, and ID analytics records. Proof of identity - passport, and proof of address - utility bill, were provided. 

XXXX LexisNexis email response - refuse to process dispute, request ID verification. 

I have previously provided all the ID and address verification documents I am required to. 

California Privacy Act and Fair Credit Reporting Act required LexisNexis to remove fraudulent and incorrect information.
Consumer complaint received 2024-07-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

An auto loan that was paid off earlier than the originated 28mo contract, with no late payments reported, showing closed, has not had any positive effect on my credit score as advertised by credit bureaus to recommend for score improvement options. It's been over 8 months since it was fully paid off and closed early. Score XXXX then, score XXXX now, with no update on credit age category either. What a joke.