davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-05
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. (IN)

Back in XX/XX/2021 AFTER COVID!! I ran my report and noticed that an account for XXXX XXXX was opened! Well I immediately called and reported it. Had account closed! Well now XXXX XXXX years later Im thinking it is off my report and just couple days ago they report it as a charge off for XXXX XXXX yrs later after I called immediately when I seen this was on my report! This was to be taken care of and I was insured that I would not be responsible since I DID NOT DO THIS! As much fraud that went w/CovidSomeone used my information from that XXXX store to obtain an account. We left the store and didnt even get phones!!
Consumer complaint received 2024-04-18
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. (NC)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (CO)

I have been doing qoutes on home and auto insurance. There is now a XXXX XXXX DOB XX/XX/XXXX that shows at my address. First time in 20 years we have lived here. Just me and Im XXXX XXXX XXXX. 

Our insurance person said they get this data from Lexis Nexis. Checked with Colorado XXXX XXXX XXXXno one has Colorado license in my same name at this address. 

I did on-line explanation to Lexis Nexis and spoke to their represenative by phone XX/XX/XXXX. Opted not freeze their data on me becasue trying get cheaper insurance qoutes. 

Gosh diffcult to understand individual on phone. Pleasant but sound very poor. 
Something about auto Quality insurance adding to their files. And I left assuming link to my data to review. 

Not sure if getting data by mail. I assumed a link would be sent to my email-that has not happened-very bad phone connection!! 

Why do not these groups check beforehand. My current insurance company dropped the mystery young XXXX who somebody added. Other insurance companies also remove in provding qoutes.
Consumer complaint received 2024-01-18
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: ENOVA INTERNATIONAL, INC. (AR)

I took out the loan to make payments for once a month. They claimed it was for twice a month. While taking out payments from my account, it the payment was not there I was charged a fee. Also, they were taking money twice a month. Finally, when they changed it to once a month, it was still a doubled payment. Also, it is hard when I try and get into the account.
Consumer complaint received 2024-04-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-03-08
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Earnest Inc. (OR)

I have been XXXX and unable to work since XX/XX/XXXX, as determined by SSA ( I am receiving XXXX benefits ). I have a private student loan from Earnest , Inc. from XX/XX/XXXX that allows for discharge due to XXXX, specifically Section H paragraph 5 ( b ) of the Loan Agreement ( attached here ) which reads : " You will discharge ( forgive ) my Loan if... I become XXXX and XXXX XXXXXXXX XXXX XXXX XXXX as defined below. In order to establish XXXX XXXX XXXX XXXX I must demonstrate to your satisfaction that I am unable to engage in any substantial gainful activity due to a physical or mental impairment that : ( i ) can be expected to result in death ; ( ii ) has lasted for a continuous period of not less than sixty ( 60 ) months ; or ( iii ) can be expected to last for a continuous period of not less than sixty ( 60 ) months. A doctor of medicine or osteopathy, authorized to practice in the United States, must describe and certify my XXXX status on your XXXX discharge application form. '' I requested the XXXX discharge application from Earnest and submitted it to them along with the requested information from my doctor and my SSA benefits letter in XX/XX/XXXX ( attached here ). Having been legally determined to be XXXX since XX/XX/XXXX, my understanding is that I should qualify for XXXX discharge according to clause ( ii ) in the Loan Agreement paragraph quoted here ( 60 months after XX/XX/XXXX would have been XX/XX/XXXX ). 

However, my application was rejected. The rejection letter ( attached here ) defines " XXXX XXXX XXXX XXXX XXXX' as " the inability to work in any occupation due to a condition that began or deteriorated after the date of the loan and the XXXX is expected to be permanent " However, this language does not appear anywhere in the Loan Agreement that I signed. It's unknown if my XXXX will be permanent or not, but that should not be relevant based on the language that Earnest put in their own Loan Agreement. Language in a customer service notice does not override language in a signed contract. Earnest should abide by the language in the Loan Agreement.
Consumer complaint received 2023-11-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/23 I used the mobile Chase app to deposit a check made out to cash in the amount of XXXX. On XX/XX/23 I noticed the money was there but I couldn't use it. When I called Chase they told me my account was frozen because the check was made out to cash. They needed to verify that the check was meant for me. I called my boss, who wrote me the check. She then called the bank to and informed them that the check was meant for me. She told me it would be cleared within a few days. After a week and about XXXX phone calls later, it was still not clear so i went in person to the bank. The bank teller informed me the only way to clear this was to have my boss call the bank, which was done already - XXXX times. Every time we call, they say something different. Now my account is completely closed and they are holding the money. My boss who wrote the check tried to cancel the check but Chase will not allow that either.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P. (IL)

From approximately XXXXXXXX XXXX XXXX XXXX XXXX XXXX  on XX/XX/2024 I was on a phone call with Resurgent/LVNV regrading 2 debts they were reporting on my credit report. 

Both were supposedly opened with the Original Creditor of " XXXX XXXX XXXX '', and both were in the amount of approximately {$600.00} ( {$630.00} and {$580.00} ). 

I inquired as to how they received this information, and was told by my first point of contact on that phone call that they received a file electronically that contained the general cardholder agreement, but did not contain my signature or a record of me verbally agreeing to it. 

When I asked how they were then able to verify the legitimacy of the debt, I was escalated to the next tier, where I was told directly that Resurgent/LVNV only verifies that the name, SSN, etc of the person they're attempting to collect from matches the information given to them by the creditor, and that *they do no verify that the person in question ever agreed to open the account in question*. 

This is *not* me reading into what she said. I asked her very pointedly " Do you verify that the person you're attempting to collect from agreed to enter into an agreement with the creditor? ". 

Her answer was " We do not verify that. '' When I then began to interject and ask what exactly that meant with regards to their ability to legally collect the debt, she abruptly ended the call without warning.
Consumer complaint received 2024-04-18
Product: Credit card — General-purpose credit card or charge card
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 consistently make on-time payments. I am confident about this. What baffles me is why this company is marking me late in some months, which shouldn't happen. As per USC 1666b, any billing errors must be rectified, or else they'll owe me {$1000.00} for each inaccurately reported account.
Consumer complaint received 2024-02-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. ()

In XXXX Citibank failed to send me a replacement when my debit card expired. This meant that I lost online access to my account. 

In XXXX XXXX I called many times to request a replacement debit card. They promised many times but it never came. Finally they told me to write in to their bank by mail department : I did so in XX/XX/XXXX but they never sent the card. So I contacted their executive support team through the XXXX XXXX XXXX First they got their security team to send me a letter to confirm my address : funny since my address has not changed in more than ten years. Then, in XX/XX/XXXX, they said they were sending the card by courier, but the courier never contacted me and the card was never delivered. The executive team then said that maybe I had given the wrong address! I replied that this was impossible and that I had verified the address with their security people, and it was the same address they had always had for ten years. They never replied. 

So I have been to a lot of trouble and have been denied access to my account balance of US {$1000.00} for more than two years. I want some compensation for this, and I also want access to my money. 

The latest, they have changed their charging policy and want to start charging fees for this non-service! ( Up to now there have been no fees on accounts with a balance of US {$1000.00}. ) They should not be allowed to charge any fees for an account that they do not allow me to operate. 

Their XXXX
Consumer complaint received 2018-11-29
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: EQUIFAX, INC. (AZ)

I've been contacting Equifax since XX/XX/2018 regarding a fraudulent inquiry from XXXX XXXX that was placed on my credit. They wouldn't remove it, now I have a charge off/collections account from the same XXXX XXXX company on my credit. I have contacted all 3 credit bureaus and XXXX XXXX and it was in fact deemed fraud. A letter from XXXX was received & sent to all parties involved stating it needs to be removed from my credit report. Equifax is still not removing this item and it is preventing me from buying a home as it has dropped my credit score over 70 points. My data was part of the Equifax data breach and I believe that is how this occurred.
Consumer complaint received 2024-05-24
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. (TX)

PLEASE BLOCKED AND REMOVED. 
I strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.
Consumer complaint received 2022-10-25
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. (CO)

When I reviewed my credit report, I discoveredt the following unverified inquiries. The 3 credit bureaus must verify these inquiries in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting inquiries as unverified information without providing any proof within the period allowed by law. The following inquiries need to be deleted from erroneous reporting in my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

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 2024-04-18
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. (CO)

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 XXXX XXXX ( 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 2023-08-06
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. (GA)

The attached account is being reported inaccurately and does not belong on my credit report under 15 U.S. Code 1681i ( a ) ( 5 ) ( a ) ( i ). The evidence is shown in the screenshot of my credit report, which shows that this account has been removed from my XXXX credit report.
Consumer complaint received 2024-05-24
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. (MD)

In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed.
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (FL)

Despite our previous attempts, I regret to inform you that these items still persist on my record. The presence of fraudulent items undermines my financial credibility and poses significant challenges for my financial well-being and future credit opportunities. 

I kindly request that you prioritize the investigation and removal of these fraudulent items with the utmost urgency. It is imperative to take all necessary steps to rectify these discrepancies in accordance with the Fair Credit Reporting Act ( FCRA ) and other for when I can expect to see these fraudulent items removed from my credit report. 

I understand that addressing such issues may require time and effort, but I urge you to handle this matter with the diligence and attention it deserves. Your assistance in rectifying these discrepancies is crucial to ensuring the accuracy and integrity of my credit information. Please help me remove these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XX/XX/2023.
Consumer complaint received 2023-08-07
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. (PA)

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 16 XXXX XXXX
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

FCRA 605B mandates the elimination of any erroneous entries from my credit report. Could you kindly review the documents? Certain listed accounts are reported inaccurately and should be promptly expunged.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Upon reviewing my TransUnion, XXXX and XXXX credit reports, I have identified unauthorized inquiries. I kindly request the deletion and blocking of these items that do not belong to me within the next 5 business days.
Consumer complaint received 2024-04-18
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)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.