davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

I, XXXX XXXX 100 % attest that these are my physical findings of inaccuracies on my credit. 

I am writing to bring to your attention the improper and inaccurate information that is listed on my credit report with XXXX, Equifax, and XXXX. Despite numerous attempts to have these errors corrected, the credit bureaus continue to violate the Fair Credit Reporting Act ( FCRA ). 

According to 15 USC 1681i ( 5 ), the credit bureaus have a legal obligation to modify or delete accounts that are not reporting accurately. However, the following accounts continue to be listed inaccurately on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with 15 USC 1681, I have the federally protected consumer right to privacy and confidentiality. However, the credit bureaus have continued to list inaccurate and improperly reported information on my credit report.

Furthermore, according to 15 USC 1681s-2, a person shall not furnish any information relating to a consumer to any consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. Despite my notifying the credit bureaus that specific information is inaccurate, they have failed to take the appropriate action to correct it.

I have requested that the credit bureaus check and ensure that all information on my credit report is complete and accurate in accordance with 15 USC 1681i. However, I have not received any response from them within the 30-day timeframe.

Additionally, the credit bureaus have failed to record the current status of the disputed information, which is a violation of FCRA. 

I am an FHA program buyer and XXXX 's inaccurate reporting is holding me back from purchasing a house for my family. I urge you to take immediate action and hold the credit bureaus accountable for their failure to follow FCRA and correct the inaccurate information on my credit report. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I, XXXX XXXX 100 % attest that these are my physical findings of inaccuracies on my credit. 

I am writing to bring to your attention the improper and inaccurate information that is listed on my credit report with XXXX, XXXX, and TransUnion. Despite numerous attempts to have these errors corrected, the credit bureaus continue to violate the Fair Credit Reporting Act ( FCRA ). 

According to 15 USC 1681i ( 5 ), the credit bureaus have a legal obligation to modify or delete accounts that are not reporting accurately. However, the following accounts continue to be listed inaccurately on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX TransUnion In accordance with 15 USC 1681, I have the federally protected consumer right to privacy and confidentiality. However, the credit bureaus have continued to list inaccurate and improperly reported information on my credit report.

Furthermore, according to 15 USC 1681s-2, a person shall not furnish any information relating to a consumer to any consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. Despite my notifying the credit bureaus that specific information is inaccurate, they have failed to take the appropriate action to correct it.

I have requested that the credit bureaus check and ensure that all information on my credit report is complete and accurate in accordance with 15 USC 1681i. However, I have not received any response from them within the 30-day timeframe.

Additionally, the credit bureaus have failed to record the current status of the disputed information, which is a violation of FCRA. 

I am an FHA program buyer and XXXX 's inaccurate reporting is holding me back from purchasing a house for my family. I urge you to take immediate action and hold the credit bureaus accountable for their failure to follow FCRA and correct the inaccurate information on my credit report. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-11-18
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: EQUIFAX, INC. (TX)

These accounts were open as a result of Identity theft in my name without my consent nor my knowledge. These Credit Bureau is failing to delete these items and block these accounts. Theses Credit reporting agencies is failing to comply with federal laws.
Consumer complaint received 2023-11-16
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)

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX VXXXX XXXX XXXXXXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1000.00} XXXX XXXXXXXX Balance : {$1300.00} XXXX XXXX XXXX XXXXXXXX Balance : {$720.00} XXXX XXXX Balance : {$7200.00} XXXX XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX ) XXXX XXXX XXXX {$460.00} XXXX & XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1200.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX. ) XXXX Balance : {$850.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE ENGELHARDT V. GRAVENS ( MO ) 281 SW 715,719, I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Navient Solutions, LLC. (ME)

I attended the XXXX XXXX XXXX XXXX from XXXX ; since then my school has been discredited and closed for fraudulent activities and sued federally. It is my understanding that Sallie Mae was also undergoing a lawsuit and changed their name to Navient to carry on the loans avoiding the lawsuit. The Maine Attorney General cancelled my student loans because of this, but I just received a letter yesterday stating I have {$10000.00} in collections from Navient. My federal loans were wiped out by the Biden Administration for these same reasons.
Consumer complaint received 2024-05-07
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL (NJ)

I will not accept your attempt to downplay my identity theft claim as a mistake or a misrepresentation of essential information. WHO HAS GIVEN YOU THE AUTHORITY TO DECIDE WHAT CONSTITUTES A SIGNIFIVANT FACT? YOU ARE NOT A JUDGE, A JURY OR IN ANY POSITION TO MAKE SUCH JUDGMENTS! Your right to do so is non-existent. 

My distress arises because I have fallen victim to identity theft, a criminal act that has caused me severe emotional and financial turmoil. However, the response from your company, or rather the lack thereof, has shown a shocking disregard for the urgency and seriousness of my situation. 

Let me be perfectly clear : I will not tolerate the indifference and apathy I have encountered so far. As an identity theft victim, I have suffered from unauthorized account and transactions that have tarnished my credit profile and jeopardized my financial stability. The consequences have been severe, impacting my ability to obtain loans, mortgages, and even job opportunities. 

I insist on immediate and unwavering attention to my identity theft disputes. The sluggish pace at which your company has operated is nothing short of negligence, and it has exacerbated my suffering. It is high time you recognize the real-world consequences of your inaction. 

I urge you to expedite the resolution of my identity theft disputes without further delay. I require a thorough investigation into these matters, the removal of fraudulent account from my credit report, and the restoration of my financial standing. My rights as a consumer must be upheld, and justice must prevail. 

Here is the account that I want to be removed : XXXX XXXX. 

Should my requests for swift and decisive action continue to be ignored, please be aware that I am fully prepared to escalate this matter through legal channels. I will not hesitate to seek legal counsel to hold your company accountable for its lackadaisical response, the resulting harm to my reputation and credit, and the immense emotional distress this ordeal has caused.
Consumer complaint received 2023-11-16
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. (MD)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-06
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: TRUIST FINANCIAL CORPORATION (SC)

I have no knowledge why Im not able to open a new account with a new bank. I was just told from Truist about not being able to open an account with them. In do so to reach out to this site to investigate why. I have no current knowledge of why is this the case.
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Grow Credit Inc (OK)

My XX/XX/XXXXcredit report is showing a account with grow credit inc, a company i have never heard of. I have contacted grow credit inc numerous times to dispute this account. I can never speak to a live person, I have asked to be contacted but that has not happened. They refuse to call me they only use a chat box. The report shows that it is an real estate equity loan.
Consumer complaint received 2023-10-09
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. (IL)

YOUR COMPLAINT I requested XXXX XXXX XXXX immediately remove all reported late payments from my credit report as stated in 15 usc. 1681 ( a ) no transactions or experience between the consumer and creditor to be reported and furnished on my credit report. This is against federal law which over ride any company policy. Also the information on the late payments is inaccurate different lasts payment date
Consumer complaint received 2023-05-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I declare under penalty pf perjury ( under the laws of the UNITED STATES, if executed outside of the UNITED STATES ) that the foregoing is true & correct to the best of my knowledge. Further I certify that I am permitted by FEDERAL & STATE LAW to file this dispute. I also understand that knowing & willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001 Additionally these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods services, or money & was successful in creating some accounts. All. is being investigated by the FTC
Consumer complaint received 2016-10-10
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A. (FL)

After being a customer for over 29-35 years ( first credit card ) I had my ID stolen and stopped doing business online for a while with all companies. This caused me to have one missed by a few hours payment in XXXX XXXX. Then in XXXX XXXX, I completed paperwork to setup auto pay. In XXXX, it was not yet set up for some reason and I missed a payment because I thought the autopay had been setup. I was told that this {$25.00} fee would be credited on my next bill and I should wait until I received the bill. I called customer service and was now told that I could not get money back due to having one late fee credited in XXXX. I aske d for a manager to call me and they called but I did not get the phone fast enough. Then I got a letter and when I called back today I was told by a " manager '' XXXX that she was NOT authorized to override the system 's decision to not give credit or a previously promised late fee by customer service. I have been a loyal and pay in full customer for over 29 years or more. I find it hard to believe that this company has no way of empowering their managers to do anything now that XXXX is over XXXX and was promised a late fee credit previously and since it was due to their lack of setting up the auto pay when it was sent in the mail to them in XXXX XXXX. I do not like getting late fees, nor have I for many years. Their system creates this without override capabilities and the manager has no ability to make a very long term and good customer happy anymore. I think this is a new phenomenon. no contact information to contact the company or a person empowered to do this can be provided.
Consumer complaint received 2024-05-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: SOFI TECHNOLOGIES, INC. (TX)

My sofi account was froze due to suspicious activity which they concluded was a violation on my part somehow and told me my acct was pending for closure and I have waited over a month to have my account closed and my money sent to me or transferred to external account but nothing has happened or changed my status I have called everyday for the last month and all they say is its a back office issue and they will email them on repeat
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/2023 Dispute of Inaccurate Information on My Credit Report To Whom It May Concern, I am writing to dispute certain items on my credit report that I believe are inaccurate and should be investigated and removed in accordance with the Fair Credit Reporting Act ( FCRA ). I have attached a copy of my credit report highlighting the disputed items for your reference. I have also asked all XXXX bureaus to correct my personal information. My name and it's correct spelling, my date of birth, my address and employer... I also asked for all other incorrect personal information be deleted and removed from my credit report.
Consumer complaint received 2018-08-03
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: Quality Asset Recovery LLC (NJ)

XX/XX/2018 : Certified letter received by XXXX, from myself, requesting physical verification of the account listed on my credit report from collector : QUALITY ASSET RECOVERY My request was clear in that I was seeking Verifiable Proof of this debt, as I am not sure it is mine. 
XX/XX/2018 : Dispute results received from XXXX stating verified as accurate XX/XX/2018:2nd Certified letter request for physical verification of debt received by Experian. Requested verification via my rights under section 609 & 611 of FCRA XX/XX/2018 : Notification made from XXXX that no further investigation will be performed, despite never proving the debt adversely reporting on my credit profile
Consumer complaint received 2023-02-14
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: National Credit Systems,Inc. (CA)

National credit systems is inaccurately reporting a collection amount on my report to all 3 credit bureaus. I moved out of an apartment in 2020 due to the loss of my job due to XXXX I was told by the apartment complex that I can pay or quit and if I move out I can pay the lease termination fee. I moved out and provided my forwarding address to make payments. I was never sent any information to make a payment and when ever I called the office to pay, they told me they couldn't speak with me and I would get something in the mail. I never received anything and they reported the payment due on report without any notice or attempt to collect.
Consumer complaint received 2023-05-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/23 I was towed by XXXX XXXX XXXX Illegally. I was parked in front of a XXXX and walked over to the XXXX. My violation was that it was customer parking only and I was a customer. I've looked at the address of the person who wanted to tow me and it was someone from XXXX. I am doubtful to believe that the person who called for a tow could have possibly been for my car as I was parked ACROSS the lot about a quarter mile from the place. I have checked the name and which store called for the tow and it makes no logical sense. I was told though that there was no other option other than to pay the fine and get my car back. I told Bank of America about this and tried to file that I was under duress during that time and I had no other choice. However, Bank of America disagrees with me on this matter and refuses to do anything about it.
Consumer complaint received 2024-05-06
Product: Student loan — Private student loan
Issue: Getting a loan — High pressure sales tactics or recruiting
Company: MOHELA (MO)

Thousands of students were scammed by XXXX into taking out predatory private loans to attend for XXXX XXXX XXXX such as the one I attended, The XXXX  XXXX XXXX XXXX. As a matter of fact, The XXXX  XXXX XXXX XXXX was investigated by Senator XXXX XXXX. 
Because of the numerous claims of fraud and misconduct perpetrated by these online for profit schools, such as The XXXX  XXXX XXXX XXXX, I was able to file a Borrower Defense claim with the Dept. of Education against The XXXX  XXXX XXXX XXXX, and my Fed. loans of {$14000.00} should be discharged and my credit repaired. 
My Borrower Defense Claim was also part of the XXXX XXXX XXXXXXXX settlement for which I was a full class member. 
I am aware that XXXX was sued by 39 state AGs regarding their predatory loans to attend these online for-profit schools and that XXXX XXXX were a " preferred '' lending company in a " deal '' with these schools during the early XXXXXXXX XXXX. These private loans with a high risk of default were part of a package deal offered to " XXXX XXXX XXXX XXXX ''. But loans made to students in states outside of the agreement, or those who were not in default for 7 months or more during a " specific '' time frame, were excluded. I am sure this was a big win for XXXX, but what a sham of a settlement deal for the rest of borrowers scammed into taking loans to at least 150 for XXXX XXXX XXXX  After the AG settlement, didn't XXXX also get out of the Federal student loan business due to scrutiny from lawmakers and borrower advocates? Didn't XXXX have to pay restitution to the Federal student loan borrowers for not informing students of XXXX payments students could have enrolled in, but instead steered toward forbearance? Furthermore, hasn't XXXX been sued at least a half dozen times for other predatory loan practices and illegal collection practices? 
I am also aware of a " pilot '' program by which XXXX is sending out " applications '' to select students who may have filed Borrower Defense claims against their schools and were approved. This application is a sham. Why do we need to prove anything? XXXX knows who we are. Under the FTC " Holder Rule '' XXXX is liable for giving predatory loans in connection with online for-profit schools. Time is running out for XXXX to do right by students who were scammed into taking out private loans to attend online for profit colleges who have committed misconduct and misrepresented themselves to the public to entice students to enroll. Senator XXXX XXXX has sent a letter to XXXXXXXX XXXX CEO asking to discharge these loans NOW! It's time XXXX do the right thing and discharge all these predatory private loans made to attend online for profit schools. 

Because my private loans originated with XXXX, my MOHELAXXXX student loans should also be discharged