davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I 've contacted each of the credit bureau and requested that they remove an account with   XXXX   XXXX   XXXX   that is reported as as a collection account, but its status is open and the high balance is one amount and the amount owed is much higher as well it continues to increase in balance monthly  ...
Consumer complaint received 2023-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

I am writing to ask that you please review your records for me and make any necessary corrections. I am concerned about the accuracy of my credit report and would like to make sure that all information is up to date, and compliant with reporting laws. I would also appreciate it if you could remove any inaccuracies from my report immediately. Thank you for your attention to this matter. The only name I go by is XXXX XXXX. Please remove any name you have in your system that does not match XXXX XXXX. The only residence I reside at is : XXXX XXXX  XXXX XXXX XXXX XXXX, GA XXXX. Please remove any address you have in your system that does not match XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX.
Consumer complaint received 2023-10-21
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. (LA)

I see that same information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX : {$6100.00}
Consumer complaint received 2023-10-21
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. (LA)

I see that same information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX : {$6100.00}
Consumer complaint received 2021-06-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: U.S. BANCORP (MT)

Stimulus check account was positive 4 months later charged me for some reason covid that I never had it wanted let alone knew about. I get double n triple charged I'm getting pandemic unemployment I have not gotten it checked in 3 weeks they keep overcharging and overcharged in an overcharged in an overcharging my account needs to be looked at fixed and done with immediately XXXX to US Bank
Consumer complaint received 2023-10-21
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. (GA)

I submitted a letter to the XXXX Credit Bureaus o update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX Balance : {$5000.00} ; XXXX XXXX Balance : {$1000.00} ; XXXX XXXX Balance : {$4300.00} ; XXXX  XXXX XXXX Balance : {$700.00} ; XXXX  XXXX XXXX Balance : {$1900.00} ; XXXX  XXXX Balance : {$2500.00}.
Consumer complaint received 2023-10-21
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. (GA)

I submitted a letter to the XXXX Credit Bureaus o update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXXXXXX XXXX  XXXX Balance : {$5000.00} ; XXXX XXXX Balance : {$1000.00} ; XXXX XXXX Balance : {$4300.00} ; XXXX XXXXXXXX XXXX Balance : {$700.00} ; XXXX  XXXX XXXX Balance : {$1900.00} ; XXXX  XXXX Balance : {$2500.00}.
Consumer complaint received 2023-10-21
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Pivot Rock Solutions, LLC (CO)

On XX/XX/XXXX I was sent a letter stating Pivot Rock solutions, ( my debt handler ) was requesting insurance and be labeled as loss payee on my insurance. Claiming if they didnt they would buy insurance for me at XXXX XXXX a month. As I listed Pivot Rock solutions as a loss XXXX, my first payment on XX/XX/2023 did not have a program fee cost. On XX/XX/2023 I made a payment of XXXX $ had a charge of XXXX $ listed as program fee when asked at the time the attendant could not give me a valid description of the charge. The next month XX/XX/2023 a charge of XXXXXXXX XXXX on a XXXXXXXX XXXX payment. The latest payment of XXXXXXXX XXXX has a XXXXXXXX XXXX program fee that. when asked i was referred to a phone number and my deductible needed to be lower than XXXXXXXX XXXX and that I would have to figure that out with my insurance company. A debt collection agency should not have dictation of my insurance premiums as they are separate entities, much less pay themselves off of my money that is not going to the principal of the car.
Consumer complaint received 2023-10-21
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Maximus Federal Services, Inc. (TX)

I filed for a income driven payment plan on XX/XX/2023. My loan servicer ( Aidvantage ) still has not processed the paperwork. I have been notified that my first payment is due at the beginning of XXXX. I have called but I can never get through.
Consumer complaint received 2023-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA (GA)

After a car accident Hyundai should send all documents to the XXXX company pay for the remaining balance. I called them every single week after the total lost and every single time we received some different information. On XXXX an employee from Hyundai told me that the case was all set, because the XXXX XXXX had all documents to pay the remaining balance so they turn off the autopay. For my surprise Hyundai reported me because there's a 2 bills with late payment. And this is not fair because they know that the responsibilitie for the remaining balance is under XXXXXXXX XXXX name not mine. Last week XXXX ( XXXX company ) sent to Hyundai a check with an overpayment but until now Hyundai didi n't received this check and they keep the information on XXXX regarding the late payment.
Consumer complaint received 2023-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

There are inquiries that I didnt authorize on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-11
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (NV)

I had a collection appear on my credit report from ICS that did not belong to me. ICS has a name similar to mines but its not my name ICS has an email similar to mines but its not my email address. Also the property where cable service was provided I moved out XXXX of 2020 its my understanding the account was opened XXXX months ago
Consumer complaint received 2023-10-21
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)

There are inquiries that I didnt authorize on my credit report. 

XXXX Miscellaneous Finance XX/XX/2023 XXXX XXXX XXXXXXXX Personal Loan Companies XX/XX/2023 XXXX Miscellaneous Finance XX/XX/2023
Consumer complaint received 2023-10-21
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. (SC)

This is my numerous request to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX 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 2023-10-21
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. (MD)

TransUnion has a XXXX charge off and two XXXXXXXX XXXX  collections reporting on my consumer report. TransUnion declined to delete from my consumer report. And declined to provide me with proof of where the confirmed there proof.
Consumer complaint received 2023-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

This is my NUMEROUS 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/2023.
Consumer complaint received 2023-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Navient Solutions, LLC. (GA)

I never sign a promissory letter with this agency. Please delete this off 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
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.
Consumer complaint received 2023-10-20
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc. (SC)

Lady called me from Victoria Secret said I owed three payments. I told her Im not three payments behind and asked for the amount she said {$100.00} to include XX/XX/XXXX payment so I asked how much is past due that she alleges and she said I owe {$35.00} for two payments I said that doesnt make since how do I owe {$35.00} for two payments?

I also checked my credit report and they are report me 30 days past due for XXXX and report me past due three times since XXXX.
Consumer complaint received 2023-10-20
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: Kingston Data & Credit International Inc. (OH)

They sent papers saying I owe this debt the names are two different companies they sent me information about me owing them I never signed a contract with that company so they need to remove this collection from my account
Consumer complaint received 2023-10-20
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. (GA)

I have been contacting XXXX, XXXX, and Equifax since XXXX XXXX about the incorrect items on my credit report. I am writing to formally lodge a complaint and request an investigation into the actions of XXXX XXXX, XXXX, pertaining to my credit report. I have recently discovered several discrepancies that I believe to be in violation of consumer protection laws and credit reporting regulations. 

Account Information : Creditor : XXXX XXXX, XXXX Account Open Date : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Equifax ) Date of Last Activity : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Equifax ) Date Reported : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Equifax ) The following issues indicate non-compliance with relevant consumer protection laws and credit reporting guidelines : Last Verified Date Discrepancy : The last verified date on my credit report is stated as XX/XX/XXXX for XXXX, whereas Equifax shows a last verified date of XX/XX/XXXX. This disparity raises concerns about the accuracy and consistency of the information reported by XXXX XXXX, as it suggests that the information has not been consistently and uniformly updated across all credit bureaus, as it should be. This may violate the Fair Credit Reporting Act ( FCRA ), which mandates the accuracy, fairness, and consistency of consumer credit reports. 

Date of Last Activity Discrepancy : The date of last activity is significantly different between XXXX and Equifax. This inconsistency is also a red flag, as it implies that the account may not have been properly managed and reported. Such discrepancies may potentially infringe upon the FCRA, which requires creditors to report the most accurate and up-to-date information on consumer credit reports. 

Date Open Discrepancy : The account open date discrepancy between XXXX and Equifax further suggests inaccuracies and inconsistencies in XXXX XXXX 's reporting. This misalignment may hinder a complete and accurate understanding of the account 's history, which is contrary to the FCRA 's stipulations for the fair and accurate reporting of consumer credit information. 

I kindly request that the Consumer Financial Protection Bureau investigate these discrepancies and potential violations of the Fair Credit Reporting Act. Furthermore, I would appreciate your assistance in addressing and rectifying these issues with XXXX XXXX, XXXX, to ensure that my credit report accurately reflects my financial history in accordance with the law. 

Please find enclosed copies of my credit reports from both XXXX and Equifax, highlighting the discrepancies for your reference. 

Thank you for your prompt attention to this matter. I look forward to your response and any guidance on how to proceed in resolving this issue.
Consumer complaint received 2023-09-29
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: ENCORE CAPITAL GROUP INC. (NM)

XX/XX/XXXX approximately I called Midland credit to resolve the issue and he acknowledged I had a dispute from XXXX already in place and said he would send me paperwork and it's been over two weeks still no paperwork and my credit still is in limbo please can you help
Consumer complaint received 2023-10-20
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. (LA)

In accordance with the Fair Credit Reporting Act XXXX  XXXX Account # XXXX, XXXX 's Account # XXXXXXXX XXXX XXXX  Account # XXXXXXXX XXXXt XXXX XXXX  Account XXXX XXXX has violated my rights. 

XXXX5 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. 1666B A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-10-20
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (WA)

I have mailed a debit validation letter on XX/XX/2023 and I received no written communication rather attempted phone calls. I have also had issues in validating debit over the phone and have been entered into debit repayment plans even after NOT AGREEING to anything of such. I still have not received a validation letter.
Consumer complaint received 2023-10-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: U.S. BANCORP (TN)

There were 3 accounts still open with USBank. A Checking, Savings and line of credit. The balances were XXXX  and the account closed on or about XX/XX/2022 with XXXX balances on all accounts. 
The account had previously had an automatic transfer to go from the checking account to the savings account every month for {$200.00}, On XX/XX/XXXX the bank transferred {$250.00} from the Overdraft line credit to the checking and then transferred {$200.00} of that into savings. They charged a fee of {$12.00} to do this. Since the account was closed they then sent a refund check for the {$200.00} in the savings account. Since the checking account was also closed they then sent another check for {$37.00} for a balance refund of the checking account. ( {$50.00} minus the {$12.00} fee ) All of these transactions were done the same day, XX/XX/2022. 
I received a XXXX check in the mail on or about XX/XX/XXXX. I went to the bank because I knew that there was an error. The bank advised me they couldn't do anything, that I should just wait to get the XXXX check ( I never have ) and then call and see if they will waive the fee. I advised them that this was their error, I gave them the XXXX check and left. 
I withdrew all of my accounts from this bank due to problems with the branch and online banking on another account. It took a bit longer to close this account since it was the main one used, They have charged off this balance. ( I think it went up to XXXX or so ) I would like this cleared and the credit reports for me and my ex-husband updated.
Consumer complaint received 2023-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I've never been late on numerous accounts that are on my credit report and I've sent letters to the companies and credit bureaus to verify the late payments and NO RESPONSE. The days I sent the late payment letters were XXXXXXXX  and XX/XX/. The companies are XXXX Bank, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and Department of Defense.
Consumer complaint received 2024-03-14
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. (PR)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-10-20
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. (GA)

Hello, I need help with these invalid accounts I found on my credit report. These are not mine. 
XXXX XXXX .. XXXX XXXX XXXXXXXX XXXX tell them not to add unknown accounts on my credit report. I want them remove asap! Thank you.
Consumer complaint received 2023-10-13
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. (CT)

I have sent letters out via first class mail with tracking on XXXX and XXXX. According to the FCRA, the Companies are to update the status of my accounts as ( in dispute/ dispute in progress ). I have not heard anything from none of the bureaus ( EQUIFAX, XXXX, XXXX ). These Companies have failed to acknowledge my letters in which I have pointed out violations and innacuracies that MUST be deleted due to my federal rights under the FCRA. I have also verified my identity, proof of address and attatched a current utility bill to ALL letters. If these violated accounts are not removed according to the violation code included in each dispute letter, the bureau MUST provide physical evidence as to who, what, when, where and why they are Verified as CORRECT. 
according to 15 US code 1681b- permissible purposes of consumer reports, states that ONLY IN WHICH I GIVE WRITTEN PERMISSION/INSTRUCTION TO REPORT AN ACCOUNT ON MY CREDIT PROFILE, AND ONLY IF I PERMIT, THAT THESE ACCOUNTS WOULD FOLLOW FEDERAL GUIDLINES UNDER THE FCRA. These Companies have failed to comply to my request and if they do not respond in reasonable timing to my request, this WILL turn into a federal complaint, lawsuit.