davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-30
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. (GA)

I am writing to express my deep frustration and disappointment with the ongoing issue concerning the removal of fraudulent items from my record, despite my several attempt to rectify the situation. Despite providing comprehensive evidence and diligently following the prescribed procedures, it is deeply concerning that the problem persists without resolution. 

I urge you to prioritize this matter with the utmost urgency and take immediate steps to remove the fraudulent items from my record. Furthermore, I expect to be kept informed of the progress made in addressing this issue and seek appropriate compensation for any damages or losses incurred as a result of this persistent error. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$320.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-19
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: EQUIFAX, INC. (PA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name is XXXX XXXX XXXX XXXX is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-04-30
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. (RI)

i originally sent XXXX, transunion and XXXX a letter opting out from reporting the mentioned account, they failed to comply with my opt out requests and continued to report. i would like for them to initiate arbitration and pay all the costs
Consumer complaint received 2023-04-28
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. (TX)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$2300.00} XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX XXXX Balance : {$5300.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and anxiety, and I can't even sleep properly because of this problem.
Consumer complaint received 2024-01-19
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. (TX)

I

n 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 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 2023-08-14
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC (FL)

My x girlfriend and her boyfriend put XXXX XXXX  in my name amongst other things, I've handled everything, but this company trying to collect it called SUNRISE CREDIT SERVICE Wiped it clean, if I signed up with XXXX XXXX, HE FIXED IT THEN SAID WELL NOW U HAVE TO PAY A MEMBERSHIP FEE AFTER HE DID IT, ITS ALL A BIG SCAM, AND JAMMED UP MY CREDIT, I PAY ALL MY BILLS AND MY COLLEGE TUITION WILL BE PAID OFF XX/XX/XXXX WHICH IS MY LAST DEBT, ID LIKE TO BUILD A HOUSE BUT THESE CROOKS HERE KEEP DROPPING AND BRINGING IT BACK, WILL YOU PLEASE STEP IN AND HANDLE THIS, ITS NOT EVEN MY DEBT
Consumer complaint received 2024-05-24
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: Experian Information Solutions Inc. (PA)

I sent a letter on XXXX XXXX XXXX to remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information. Ive already included this in my previous Complaint # & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Balance Owed : {$7100.00} XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$2500.00} XXXX XXXX Balance Owed : {$2500.00} XXXX XXXX Balance Owed : {$3700.00} XXXX XXXX Balance Owed : {$1200.00}
Consumer complaint received 2023-04-26
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. (FL)

I have tried disputing XXXX XXXX XXXX through Experian and XXXX and they have refused to delete this from my credit report and XXXX have deleted from my credit report and this is causing a problem with my credit report. I have also disputed XXXX XXXX XXXX and that hasn't been deleted from my credit reports either. I have also summitted FTC letters to all the creditors and the items still remain on my credit report I would like for this matter to be handled immediately because it's affecting my credit report and hindering me from doing things with my credit.
Consumer complaint received 2023-09-19
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (AZ)

I attended the University XXXX XXXX XXXX from XXXX. During that time, I took out XXXX loans totaling about XXXX. At the time I did not understand the difference between subsidized and unsubsidized loans. I found out after I graduated that both of my loans were unsubsidized and totaled XXXX bucks. Sallie Mae wanted me to pay XXXX bucks per loan six months after I graduated. I informed them that I would not be able to make those payments while making XXXX bucks an hour. One of the representatives suggested that I consolidate them to get a lower payment which I did since I was fresh out of college. 

Fast forwarded 16 years later. I still owe Navient {$54000.00}. I downloaded my payment history did some quick XXXX math. I HAVE PAID NAVIENT {$74000.00} SINCE XXXX! {$10000.00} has went to the principal while {$63000.00} HAS WENT TO INTEREST!!! 

I was steered into forbearance XX/XX/XXXX - XX/XX/XXXX after losing my job. Navient refused to do anything else to lower my payment because my loan was private. 

I thought I was going to see some type of relief from this loan back in XXXX with the Navient Lawsuit. I did not receive any type of notification besides monthly statements and due date notices. Tell me why I didn't qualify? 

-My loan was with Sallie Mae , but then sold ( moved ) to Navient XXXX XXXX XXXX XXXX XXXX XXXX for profit school ( same as XXXX ) -Loan was disbursed in XXXX -I was forced to consolidate my loans in XXXX -Loan was delinquent ( behind on payments ) for well over seven monthly billing cycles prior to XX/XX/XXXX -I lived in a stated covered by the settlement Another thing to mention : Last month, Navient randomly put my account in a disaster forbearance. What disaster was I affected by? Also, my payment just increased randomly by XXXX which I did not receive any notification of in the mail. Apparently according to my portal this letter was sent out XX/XX/XXXX. 

Overall, my case is an example of predatory lending practices from Navient aka SallieMae.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-01-19
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 have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report in accordance with the Fair Credit Reporting Act. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IN)

I'm requesting a deletion for the following charged off account listed below. XXXX XXXX XXXX XXXX  After checking my most recent report the updated information stated the account was purchased by XXXX XXXX XXXX XXXX XXXX XXXX. This account can not be reported as a charge off on my credit report if the account was sold to another lender. Please remove this account from my credit report.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I'm requesting a deletion for the following charged off account listed below. XXXX XXXX XXXX XXXX After checking my most recent report the updated information stated the account was purchased by XXXX XXXX XXXX XXXX XXXX XXXX This account can not be reported as a charge off on my credit report if the account was sold to another lender. Please remove this account from my credit report.
Consumer complaint received 2023-09-21
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: Marlette Funding, LLC (NV)

I attempted to make a balance transfer from my Best Egg credit card account to a credit card account with another bank, but I wasn't able to. I called Best Egg customer service and spoke with a customer account specialist named XXXX. He told me that they have a policy that balances can not be transferred out of a Best Egg credit account to a credit card account with another bank, however, a balance can be transferred from a credit card account with another bank into a Best Egg credit card account. In a sense, Best Egg is forcing me to stay with them.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness. I implore you to conduct a thorough investigation and take prompt action to rectify this error. Please remove this inaccurate information from my credit profile as soon as possible.
Consumer complaint received 2021-01-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BBVA FINANCIAL CORPORATION (WA)

Simple bank which is owned by BBVA is closing and I have attempted to transfer my funds to another bank account. I was successfully able to transfer some funds but I have not been able to transfer my remaining balance. BBVA will not accept customer service calls, and I am given the XXXX number for Simple which says my wait time is 2hrs. All of my support messages on the website are left unanswered. I need and want access to my funds immediately. The web interface even says I am eligible to transfer funds but it errors out on every attempt.
Consumer complaint received 2023-06-17
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NEW YORK COMMUNITY BANCORP INC (MI)

I initially applied for a XXXX down home loan with Flagstar Bank on the date of XX/XX/2023. I was approved with conditions for a home mortgage loan on XX/XX/2023. I have had nothing but problems since trying to secure this loan. I have to date made every effort to satisfy the conditions from underwriting and have been unsuccessful in being cleared to close for the simple fact that the underwriter claims that she is unable to source funds used to pay the requested accounts to XXXX. I have sent in multiple forms of documentation including credit card transaction sheets, XXXX ' worth of Bank statements XXXX and verification of payment through a third-party company ( XXXX ). Nothing has been able to satisfy underwriting. I brought these concerns to the president of the Mortgage division at XXXX a XXXX XXXX XXXX and my concerns were met with minimal response. I am currently under contract for a property, and I am now on my XXXX extension. I fear that I will lose out on my chance to be a homeowner due to XXXX 's negligence in handling my loan file. My appointed loan originator XXXX XXXX has elected to no longer be involved in the underwriting process, which is delaying the closing of my loan even further. I am asking that this issue investigated by a higher authority.
Consumer complaint received 2023-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN HONDA FINANCE CORP (OR)

Honda Financial reported to the credit bureau that my payment to them was more than 30 days late when it wasnt. I have sent them bank statements and screen shots of the payments I screen shots of the information provided to me be their system for my account. They have not made any attempts to call or email me back. I have spent hours on the phone with Honda Financial requesting to speak with a supervisor. I keep getting told they will have a supervisor call me back but I have yet to be called by one. My first call to Honda Financial was on XXXX and I have called many times since to try and get this resolved. I have never missed a payment with them in the past. I really need the late payment remark removed from my credit report.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

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

has violated my rights. Or a list of inquiries : 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 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Data breach Hello, my name is XXXX XXXX And my information was bought and sold illegally and I was a victim of the equifax data breach. 

And I want these items deleted from my credit reports effective immediately! 

I am attaching proof that equifax admitted, that I in fact, was a victim of this data breach and Equifax has done nothing I was these accounts deleted off off my account immediately Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This account is closed and never was late Correct this immediately Personal info My name is as stated XXXX XXXX I do not and have not ever gone by any other name and want all other names removed off of my consumer reports Addresses My address is as stated XXXX XXXX XXXX XXXX XXXX pa XXXX I want all other addresses removed from my consumer reports I want all employment history removed from my consumer report Thank you Sincerely, XXXX XXXX
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

I am trying to buy a house and these things are delaying my home buying process. I have been a victim of aggravated identity theft. I need these items removed asap. Each creditor should have form SSA-89 signed by the consumer whenever credit is requested that way they have proof it was mailed and received by the said consumer and that way each person knows if/ and when fraud has or hasn't been committed. That form was requested by me to the creditor and they have yet to send that. It's been over 30 days since requested and over the timeframe. If they can't provide it they need to respectfully remove these items. Study what this form entails. I understand my consumer rights and how to proceed. I will contact the XXXX, and state attorney general to let them know such things are happening and not being honored if this isn't handled asap. Do not send a bill as a bill doesn't provide sufficient proof the said has applied for anything. Thank you for your prompt assistance Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX
Consumer complaint received 2024-01-19
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. (CA)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX XXXX XXXX Balance : {$25000.00}
Consumer complaint received 2024-04-30
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. (NC)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.