davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-20
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I am writing to file a formal complaint against the credit bureau, regarding their failure to respond to my letter requesting an investigation and deletion of a medical collection account under {$500.00} on my credit report. It has been over 30 days. I sent the letter out on XX/XX/2023. 

As per the FDCPA guidelines, the bureaus are required to investigate and respond within 30 days. I haven't received anything.
Consumer complaint received 2023-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions 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. 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
Consumer complaint received 2023-11-01
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions (GA)

XXXX XXXX Failed to maintain the property in habitable condition because of a gas leak. I had 3 gas leaks in 30days in XX/XX/XXXX  that they claimed to fix, however the gas line kept leaking. Gas leaks are a huge health hazard! I spoke to the Property manager ( XXXX ) and she told me she would let me out of my lease, however she turned around and tried to say I owed them money. I filed a counterclaim for their failure to allow me the right to live in a safe and habitable premises and the right to live in peace and quiet. They failed to come to court on XX/XX/. So the case was dismissed. I've disputed this several times, however it keeps popping up on my credit report. XXXX is the new collection agency and they are damaging my credit report! I don't owe them money and I want this removed asap.
Consumer complaint received 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (PA)

I was going over my credit report when I noticed unauthorized items and i would like it to be removed. 

( XXXX, XXXX XXXX Equifax ) ( XX/XX/XXXXXXXX, {$2100.00} XX/XX/XXXXXX/XX/XXXX, {$3500.00} XX/XX/XXXX ( XX/XX/XXXXXX/XX/XXXX, {$760.00} XX/XX/XXXX ( XXXXXX/XX/XXXX, {$470.00} XX/XX/XXXX ( XXXX XXXX, {$260.00} XX/XX/XXXX ( XX/XX/ASPIRE, {$1300.00} XX/XX/XXXX ( XX/XX/MILESTONE {$700.00} XX/XX/XXXX ( XXXX XXXX, {$3300.00} XX/XX/XXXX ( XXXX, XXXX, XXXX {$220.00} XX/XX/2023 XX/XX/XXXX 
{$1300.00} XX/XX/2023( XX/XX/XXXX ) Bank Credit Cards XX/XX/XXXX ( XX/XX/XXXX Bank XXXX XXXX XX/XX/XXXX ( XX/XX/XXXX ) Bank XXXX XXXX XX/XX/XXXX ( XX/XX/XXXX) Personal Loan Companies XXXX XXXX, XXXX ( XX/XX/ASPIRE) Bank Credit Cards XX/XX/XXXX XXXX XX/XX/XXXX ) Bank Credit Cards XX/XX/XXXXXX/XX/2022
Consumer complaint received 2023-11-28
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. (TX)

I have requested for all three of the CRAs and Dept of Education to remove all 18 student loans off my consumer report due to the Privacy Act of 1974 ( 5 U.S.C 552a ) : The Privacy Act of 1974, 5 U.S.C. 552a, is a federal law that regulates the collection, maintenance, use, and dissemination of information about individuals by federal agencies12. The law provides US citizens or permanent resident aliens with a right of access to information concerning themselves that is kept in systems of records by any agency in the Executive Branch of the federal government2. The law also establishes a code of fair information practices to protect the privacy of individuals.

You do not have the legal authority to report any of these student loans on my account, per the disclosure provided by the Department of Education/Nelnet under Section F : Gramm-Leach Biley Act Notice and Privacy Act Notice, that was supplied from the direct subsidized loan and direct unsubsidized loan MPN. No section indicates that these loans ( 18 total ) should be reported in my consumer report ; I have attached proof and require that you delete my consumer report immediately.

As a consumer, I have the right to privacy according to the Privacy Act of 1974 ( 5 U.S.C. 552a ), which requires that the following notice be provided to you ; The authority for collecting the requested information from and about you are 451 et seq. of the Higher Education Act ( HEA ] of 1965, as amended ( 20 U.S.C. 1087a et seq. ] and the authorities for collecting and using your Social Security Number ( SSN ) are 484 ( a ) ( 4 ) of the HEA ( 20 U.S.C. 1091 ( a ) ( 4 ) ) and 31 U.S.C. n01 ( b ). Participating in the William D.

Ford Federal Direct Loan ( Direct Loan ) Program and giving us your SSN are voluntary, but you must provide the requested information, including your SSN, to participate.

The principal purpose for collecting the information on this form, including your SSN, is to verify your identity to determine your eligibility to receive a loan or a benefit on a loan { such as a deferment, forbearance, discharge, or forgiveness ] under the Direct Loan Program, to permit the servicing of your loan { s }, and, if it becomes necessary, to locate you and to collect and report on your loan ( s ) if your loan ( s ] become delinquent or in default. We also use your SSN as an account identifier to permit you to access your account information electronically.

I am requesting that you send me the legal documents and disclosures required by the E Oscar database that show that you have legal rights to report all items on my credit report that I did authorize you to register.
Consumer complaint received 2018-08-30
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: LDF Holdings, LLC (HI)

A third party XXXX XXXX XXXX XXXX  called on behalf of debt allegedly owed to XXXX XXXX which is a pay day loan. They were very rude and threatening. I did reach out to XXXX XXXX but am not able to get any reliable information. I am hoping to receive accurate information from XXXX XXXX concerning any debt owed.
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (DE)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions 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. 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 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 2023-09-26
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC (TX)

XX/XX/XXXX  a title loan was taken out by me through TitleMax. Once we started signing the paperwork, we agreed on a monthly payment XXXX a month and would make and would be paid off in 6 months. What they dont tell you is that every month the loan is renewed and the XXXX dollars Ive paid the last 2 month equaling XXXX dollars hasnt paid on anything expect for the interest for that month.. it is never explained the loan is to be paid back in 30 days.. the lender never informs consumers if you dont pay more than the initial agreed amount the title loan will never be paid down or off..
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following items which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-08-30
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: ENOVA INTERNATIONAL, INC. (DE)

I sent an email to the address listed in my contract 3 days before my payment was due revoking my ACH authorization ( sent XX/XX/XXXX - payment date XX/XX/XXXX ). I received email confirmation that my email was received by Cashnet USA. Today ( XX/XX/XXXX ), my account was debited. I called and spoke with customer service who informed me that even though I received an automatically generated email acknowledgement from Cashnet USA, that they did not receive my email nor have record of it in the system. I was then informed that I needed to contact them 2 days before payment was due to revoke my authorization. I re-explained the terms of my contract and again was told by email was not in the system. They will not refund my payment, so I am now disputing the charge with my bank to determine what my rights are for the unauthorized debit from my account.
Consumer complaint received 2023-11-16
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. (GA)

I am not responsible for this account, have tried to remove the inquiry from my credit score but company was not able to resolve the issue. 

XXXX XXXX XXXX Opened on XXXX In the amount of : {$150.00} I have not given consent to any type of payment for services. This is not my responsibility as I have no commitment with XXXX XXXX XXXX. The company who sent me to collections has been in prior communication and I have notified on multiple occasions via email, mail & in person of this ridiculous amount that has been accumulating throughout the year. I have no association with them and have proof of all closure.
Consumer complaint received 2023-04-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (CA)

While checking my Discover credit card Activity, I noticed an Unauthorized Balance Transfer of {$500.00} Posted on XX/XX/2023 made as Miscellaneous. Which I did not authorized or consent to initiate the charged. You have violated the Fair Credit Reporting Act Section 1681b ( c ) .You are not legally entitled to make the make the balance Transfer Charge without permission. I request that your company either mail me a copy of my signed authorization form that gave you the right or Permission for this Miscellaneous Balance Transfer of {$500.00} that posted on XXXX.
Consumer complaint received 2023-11-28
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. (NC)

Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. Please find it in your best interest to delete the items
Consumer complaint received 2023-11-28
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)

This letter is to formally advise you that I believe your company has violated several of my consumer rights. Specifically, you failed to validate a debt at my request, which is a FDCPA violation and you continued to report a disputed debt to the Credit Bureaus : another FCRA violation. Not only have you ignored my prior requests for validation of debt but you continue to report this debt to the credit bureaus causing damage to my character. This letter will again request that you follow the FDCPA and please provide the following validation of debt request : -Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest and penalties -Contract bearing my personal signature As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense. I expect to receive the proof requested above within 15 days of this letter.

Should you again ignore my request for validation of debt I reserve the right to sue your company for violations of my consumer rights as specified under both the FDCPA and the FCRA. I may also seek damages from you if warranted.
Consumer complaint received 2023-08-06
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. (FL)

I have been disputing with this company since XXXX concerning the validity of this account with no remedy in sight. Please help me bring resolution to this case.
Consumer complaint received 2023-08-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (MS)

I discovered my minor child made almost {$9000.00} in purchases using my credit card. This was the beginning of XXXX. I filed a dispute. I spoke with a rep several weeks later to provide more details. I received a letter in the mail today stating that I am responsible for my child 's charges. My child is not an authorized user on the account and I absolutely did not approve of any of the charges.
Consumer complaint received 2018-08-30
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: California Business Bureau, Inc. (CA)

On or about XX/XX/XXXX, I took myself to the emergency room of XXXX XXXX XXXX ( hospital ) as I had a XXXX  XXXX  that was getting worse by the moment. 
I was admitted to an emergency room, and it was determined that I would be treated and kept for the evening. I was released the next day, and went about my business. 
I never received a bill ( which seems common since I have Medical ) from the hospital. 
Approximately on XX/XX/XXXX this year, I found a derogatory credit item on my XXXX credit report from a collection agency that uses the name of California Business Bureau, with an address of XXXX XXXX XXXX XXXX, XXXX, CA XXXX I placed a phone call there on XXXX, with the intent to find out why my emergency visit to the hospital was turned over to a collection agency. The woman I spoke with indicated that my insurance did not cover the hospital visit, as I had " XXXX XXXX and the deductible had not be met '' I informed her that I had no other coverage/insurance other than Medical, and that this had never been an issue before. 
She stipulated at this point, that I needed to get a form ( MC 180 ) from Medical showing my coverage, and that they would then bill them ( Medical ) I reached- out to Medical and they indicated that " I needed to provide the bill from the collection agency, before they could send me this form '' I called Medical a second time, and got the same response. 
On XXXX, I called the collection agency, and spoke to a woman by the name of " XXXX '' who said she would forward the bill ( same bill I never received ) to my residence. 

On XXXX, I called the collection agency once again, and spoke to another woman there who indicated that here name was XXXX XXXX. At this time she indicated that my bill was " archived, and that forwarding it to me would take awhile '' I asked her how long/what time-frame was " awhile ''? and she replied that she had " no idea '' I am attempting to do the right thing, resolve this matter, and the collection agency is far less than helpful. 
The hospital is supposedly in the amount of {$2500.00}. 

Thank you in advance for your assistance. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I sent a letter to remove items that are 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 not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., 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 XXXX XXXX XXXX
Consumer complaint received 2023-11-28
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 am writing to express my deep concern and frustration regarding the persistent inaccuracies on my credit report and the numerous unsuccessful attempts to rectify this issue. I urgently request your immediate intervention to expedite the removal of these inaccurate items to prevent further damage to my credit history.

Despite submitting disputes, the inaccurate items on my credit report persist, causing significant stress and negatively impacting my creditworthiness.

I have attached supporting documentation, including dispute submissions, evidence of inaccuracies, and any other relevant information to substantiate my claim and facilitate a swift resolution.

Understanding the critical role of the Fair Credit Reporting Act ( FCRA ) in ensuring the accuracy of credit reports, I urgently request your intervention to expedite the removal of these inaccurate items.

Given the numerous unsuccessful attempts to address this issue, I urge you to conduct a thorough review of my case, identify any obstacles hindering the removal process, and take immediate action to resolve these matters. I expect regular updates on the progress of the removal process.

I insist that all relevant creditors and parties involved be promptly notified of the inaccuracies, and necessary steps are taken to ensure the swift removal of these inaccurate items from my credit report. 

Timely resolution is crucial, as these inaccuracies directly affect my ability to make informed financial decisions. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX, XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TX, XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$8100.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XX/XX/2023 XXXX XXXX  XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXXXXXX XX/XX/2023 XXXX XX/XX/2023.
Consumer complaint received 2018-08-30
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Immediate Credit Recovery (MI)

I called and asked for my loans to be deferred XX/XX/XXXX due to having a baby. They never put them to deferment. XX/XX/XXXX I went back school at XXXX College. Did not defer my loans due to being back enrolled in school. I was in school until XX/XX/XXXX. I called again in XXXX of XXXX because I was working less due to being 7 months XXXX. In XX/XX/XXXX I again asked for a defer in XXXX of XXXX due to XXXX XXXX to my XXXX baby. I then applied for Borrower Defense in XXXX of XXXX. My loan were not placed to be deferred so they sent me to collections. In XX/XX/XXXX my tax refund was taken by the DOE. They took {$9300.00} from me and my XXXX children. I applied for a hardship. I talked to multiple people about what I would need. They explained I would need to fill out the application and send in an legal eviction notice with what I owed and that was it. I did so. They first tried to say it wasn't legal and the amount owed was not on there. I made it clear that they were wrong about that and the women said oh well you didn't send your lease agreement. I explained that I was not told to send that in. Also it stated on the application if I could not get an eviction notice I would then need to send in my lease agreement and all she would say to me was not it is too late. Included is the application I was sent