davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXXX Balance : {$390.00} ; XXXX XXXX XXXX XXXXXBalance : {$400.00} XXXX XXXXX Balance : {$270.00} : XXXX XXXX XXXXXBalance : {$0.00}.
Consumer complaint received 2024-04-09
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MD)

I've consistently maintained timely payments on this account, never allowing them to fall overdue. I'm uncertain about the reasons for the late payment remarks on my accounts. In accordance with 15 USC 1666b - Billing Error, corrections should be made.
Consumer complaint received 2023-10-02
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. (NY)

In accordance with the fair credit reporting act 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 2023-02-22
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mediation Recovery Center (KS)

I have never taken out a payday loan, nor co-signed one. I got a letter from XXXX, Mediation Recovery Center, about a supposed debt from XXXX, dated XX/XX/2023. It says my balance is {$2300.00}, but I can pay it off for {$580.00}. 

A simple XXXX search indicates this is a common scam.
Consumer complaint received 2024-04-10
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)

It is crucial to note that I did not give permission for these accounts, and their presence is causing me substantial distress. I kindly request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your prompt attention to and resolution of this matter are sincerely appreciated.
Consumer complaint received 2018-08-08
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: CITIBANK, N.A. (NJ)

I was charged twice for XXXX XXXX ticket which i cancelled and got refunded for 1 however Citi is not accepting my dispute requests and is not helping me get refund i believe Citi is not understanding that first time when i opened a dispute against XXXX XXXX which I cancelled allowed XXXX XXXX to do a duplicate charge exactly of the same amount which was reversed on XX/XX/XXXX by Citi.
Consumer complaint received 2023-02-16
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. (CA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some inquiries. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-11-09
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: Experian Information Solutions Inc. (GA)

I was checking my credit report and I noticed inquiries that I had not authorized. I have contacted the credit bureau several times and disputed these inquiries, but the only thing they say in return is that the company verified the information. How can you verify if I have not applied for anything? XXXX has listed XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX . Experian has XXXX XXXX / XXXX XXXX. XXXX has no inquiries reporting because that is accurate.
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

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 2023-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (TX)

I received a letter from Experian regarding my membership ID # XXXX and ticket # XXXX. It stated information on my XXXX credit report has been mixed with that of someone else. I would like you to make sure you have correct information on my credit reports and the identify information e.g. addresses, other identification information, and credit accounts belong to me. I provide documentation to verify identity. 

Also, I was apart of two XXXX data breaches. I have been a victim of identity theft for years and have been disputing errors on my credit report for years. My XXXX settlement should have been more than the {$43.00} that was wired to me on XX/XX/23. I believe my file was mixed up so someone else could get my true settlement money. 

15 U.S.C. 1681-1681x - make sure all information is correct as I am a victim of identity theft and have been trying to defend against dangerous individuals, scammers for years.
Consumer complaint received 2023-08-10
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: JPMORGAN CHASE & CO. (TX)

I sent them a cease and desist letter which they confirmed that they received in XXXX but they still contacted me after receiving the letter by sending me a letter on XX/XX/XXXX which is a FDCPA violation.
Consumer complaint received 2023-11-09
Product: Credit reporting 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)

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

Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. Or 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 2021-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XX/XX/2021 I called to get my free annual Credit report and they are giving me all kinds of excuses and not helping with me solve my issue. 
Im experience hardship and Im trying to get a place to live. 
Was homeless for the pass 3 years And Im trying to get my life back to some what normal. 
Its incredible how they make things hard for a person to get their life back.
Consumer complaint received 2023-01-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (AZ)

i dont remember dates but this is and an on going problem with wells fargo with their over draft fees and and the company. after i move money around from XXXX account to another the bank still charges me over draft fees not just once or twice at XXXX time they charges 4 times in XXXX day. 
i would like to know if they over charged me on my auto loan that i had with them awhile back also.
Consumer complaint received 2023-06-15
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Lendmark Financial Services (AL)

I submitted all the required paperwork for the loan and was told I was approved and and was told the loan amount and payment amount in the process of purchasing a vehicle with the loan was told that the supervisor had changed theyre mind and was not going to fund the loan.
Consumer complaint received 2024-04-09
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. (FL)

To whom it may concern, I'm looking at my credit report and I see a charge off on my credit report from XXXX XXXX. According to XXXX XXXX XXXX Section XXXX XXXX ( d ) ( XXXX ) a " charge off '' is a taxable event which makes it income. So it is UNLAWFUL for the credit reporting agency to report charge offs on the report as I have a right to privacy for all of my income. Please remove immediately. Please note this is a notice of pre arbitration if the charge off is not removed. 

Thank you. 
Regards All rights Reserved XXXX : XXXX XXXX XXXX Without Prejudice
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

I received a copy of my XXXX credit report and XXXX is reporting that I defaulted on my XXXX XXXX XXXX XXXX and it has never been in default I have enclosed a letter from XXXX XXXX stating this loan has never been defaulted
Consumer complaint received 2023-02-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY ()

Account number XXXX this loan was in my husbands name XXXX XXXX he passed away on XXXX we had repeatedly fax documents over the course of loan to add me as a authorized user and verbally also I notified them in XXXXXXXX XXXX that he passed they wouldnt give me any account information told me to go off of statement that comes in mail and a death certificate was mailed in to them also I made several payments to them and still no luck of retaining information I continued to live at the address on there file until XXXX XXXX still dealing with them ( I carried insurance on this vehicle until XXXX XXXX and had in my possession ( my name only ) I received mail from them addressed to him by name and some that says estate of him received several checks made to him ( he is dead ) and I finally had enough when they sent a check for XXXX to him and I called them was a bad experience expect me to continue to pay on something never knowing if I would ever see the title and them addressing him as he was alive it just hit me wrong two years after the fact and I told them to come get the vehicle and where it would be located they sent a repo man within a few days he knocked on door and asked for my dead husband and said they had the repo as as a skip and hide well I can assure I did go get my husband from the mantel Wells Fargo has screwed people over for years but a low blow when they cant even have respect for someone dead they gladly took my money ( only my name on the bank account and let me insure it but wasnt good enough to talk to if I was a skip or hide why didnt it sit in driveway for 15 months after he passed away I just want this to be known still boils my blood
Consumer complaint received 2023-12-18
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: Experian Information Solutions Inc. (MO)

As usual right before XXXX experian notified me that they closed XXXX complaint while continuing to work on the issue on another. THEYARE THE SAME THEY DID NOTHING
Consumer complaint received 2023-10-21
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: LEXISNEXIS (FL)

Lexis Nexis, I am requesting my consumer disclosure report - whose request online can be found here : XXXX XXXX XXXX  Attached to this are my : - valid drivers license - social security card - proof of address This is a formal request to receive my consumer disclosure report
Consumer complaint received 2023-06-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: REGIONS FINANCIAL CORPORATION (IL)

I have a credit card with my Regions bank. I paid off the balance of that card on XX/XX/23 in the amount of {$9500.00}. I then get another bill of {$120.00} on XX/XX/23! I called them and they said this is a " trailing interest ''. 

Paying off a full amount is a huge deal, and then seeing more bill afterwards is just not right?!!!
Consumer complaint received 2023-04-21
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. (TX)

I am submitting this CFPB Complaint to dispute the fraudulent items I notticed beiongreporting on my credit report. I recently received a copy of my credit report and was shocked to find that there are several items and information that I did not open and have no knowledge of. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID THEFT REPORT. The items in question are as follows : XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX, XXXX XXXX XXXX XXXX, XXXX, TX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$6800.00} XXXX XXXX XXXXXXXX Balance : {$650.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX XXXX Unpaid Balance {$830.00} XXXX XXXX XXXX XXXX Unpaid Balance {$93.00} XXXX XXXX XXXX Unpaid Balance {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. I can assure you that I did not open these items or authorize anyone else to do so on my behalf. 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 the identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-06-23
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 an 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 2023-01-11
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Certify Student Services (NC)

Called XXXX to ask if they were receiving any money from me because I had been sending payments through my bank account to Certify Student Services loan company. The representative at XXXX informed me that they do not work with 3rd party companies and that there should be no money coming out of my account right now because all student loans were frozen until further notice. Then I was told to report the company. I Informed XXXX that Certify Student Services had been taking money out of my bank account since XXXX of 2022 for {$120.00}. Then told by representative that they have not received anything and to please report the company because they are not on the list of companies to handle student loans. And if I am lucky, I may be able to get some of or all of the money back.
Consumer complaint received 2023-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: I.C. System, Inc. (FL)

This account was opened over 10 years ago. This date keeps changing each time a new creditor receives the account. Now its saying opened for 6 months. Something definitely isnt right. Maybe it was the fact that I told them that its not on my credit and very old, so I wasnt going to pay it. All of a sudden, its been opened for only 6 months. Im trying to currently repair my credit, and this inaccurate information/fraud isnt helping. This is not fair and against the law.
Consumer complaint received 2018-08-08
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SUNRISE CREDIT SERVICES, INC (MI)

I requested that XXXX XXXX XXXX to stop calling me on my work number as I could not receive debt collection calls at work. They acknowledged but began calling me again on XX/XX/2018 on my work phone number.
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 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 go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this.