davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-01
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)

According to the provisions of the Fair Credit Reporting Act '611 ( a ) ( 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation. 


1.Identify theft : Account XXXX XXXX XXXXXXXX Account number : XXXX XXXX.Identify theft : Acount XXXX XXXX XXXX  Account number : XXXX Please notify me that the above items have been deleted pursuant to " 611 ( a ) ( 6 ) [ 15 USC ' 1681 ; ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of " 612 ( 15 USC 1681 ], there should be no charge for this report. 
If you have any questions or need additional information, please contact me at the address noted above. 
Also, I would like to remind you, using the E-Oscar method to verify this debt, which you are aware of, is against the FRCA guidelines. Please also include in your own reply the method used to " verify '' the debt you claim I owe Thanks
Consumer complaint received 2024-04-23
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)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2023-09-01
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. (PA)

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 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 2023-12-07
Product: Debt collection — Medical debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: AAA Collections (MN)

I received a correspondence on XX/XX/2023 from AAA Collections XXXX stating I owed them over {$10000.00} plus interest. I immediately called in an attempt to dispute the debt. I was not comfortable with them reading the " mini miranda '' which I interpret and view as an acknowledgement that debt is owed. I, XXXX XXXX, refused the mini miranda as. I simply wanted to dispute the debt as I'm entitled to by law. AAA Collections will not take my calls to acknowledge a billing error did occur from their client XXXX XXXX. Rather they've but my file on hold per XXXX XXXX versus removing it as they're required to by law.
Consumer complaint received 2023-09-01
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'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 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 2023-11-02
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: EQUIFAX, INC. (NC)

I sent a letter regarding inaccurate & unknown things on my credit report. To this day I have not received a response yet. I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Under 15 U.S Code 1602 ( p ) - unauthorized use of my information. Under 15 U.S Code 1692j - Furnishing certain deceptive forms i am not participating in the collection of this alleged debt. Please cease and desist! So because it had been well over that time period I demand that these accounts get removed & deleted immediately or I will file for litigation due to the laws which were broken. My information was also impacted by the Equifax data breach & may have got into the hands of the wrong person.
Consumer complaint received 2023-04-26
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: EQUIFAX, INC. (TX)

XXXX XXXX and XXXX XXXX are linked to my credit report. I rented one of their homes and moved out without owing any money back in XXXX. However, it is now XXXX and I'm still being referenced with this couple. I was asked how old XXXX was on and identity test! I need their information removed from my credit report.
Consumer complaint received 2023-09-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (VA)

I have been working with Mohela for a year after my loans transferred for fed loans. I have been told very different things every time i call. For the first 6 months i was told my public service loan forgiveness employer certifications would transfer from fed loan. Then i was told it was lost. Then i was told it was on me and i should have recertified. Then i was told the paperwork i did submit was sufficient. Then i was told it wasnt. Then it was. Then it wasnt. Then it was and it was approved in XX/XX/2023 and they still havent updated my payment count.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

For the past few months, I have been attempting to access my credit report and lift the freeze. Since initiating the freeze on my credit report, I have been unable to remove it, file disputes, or view my report. Despite repeated calls for assistance and attempts to use your automated system, which requires a code for validation, I have not received this code. Even after finally receiving a code on my fifth request, the freeze remains in place.
Consumer complaint received 2024-04-23
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)

i have recently been a member of identity theft and these are the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE SEE ATTACHMENTS
Consumer complaint received 2023-09-01
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'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 2023-12-26
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)

Per the Fair Credit Reporting Act, I XXXX XXXX XXXX the federally protected consumer, am now opting of any and all authorization. 

Please see the attached notice ( s ) I have also attached the first notice that was sent to XXXX that has been ignored.
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

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 : XXXX XXXX  Account XXXX Account Name : DEPTEDXXXX Account Number:XXXX  Account Name : XXXX Account Number:XXXX  Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account NumberXXXX has violated my rights. Or a 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 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2023-11-01
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: U.S. BANCORP (IL)

On XX/XX/XXXX I accepted XXXX balance transfer offers online for XXXX credit cards for companies owned by XXXX Bank, including XXXX Bank itself. Both offers were accepted for a transfer of {$15000.00}, per card. XXXX was with XXXX Bank directly for my acct ending in XXXX. The other was with XXXX XXXX XXXX ( XXXX XXXX ) who is XXXX by XXXX Bank. That credit card acct ending in XXXX. Both these balance transfer offers were available to me and within my credit limits. Their own written offer terms state the following : " Time frame : It XXXX take up to XXXX weeks to process your balance transfer. '' As of, today, XX/XX/XXXX, these transfers have still not posted to the account stipulated. I have called both XXXX Bank and XXXX ( XXXX ) on more than XXXX occasion since XX/XX/XXXX about this matter. The terms of the offer in XX/XX/XXXX was a 3.99 % transfer fee for 0 % interest through XX/XX/XXXX billing cycle. Which to me was/is 13 months from XX/XX/XXXX. They have since told me on the phone, " we're working on it, " we had a problem with balance transfers in XXXX, '' " we're sending the checks tomorrow, '' XXXX won't get 13 months you'll only get thru XX/XX/XXXX billing cycle. '' After all of this, the checks still haven't come and I am paying 9.75 % APR ( {$8.00} per day ) waiting on them. {$15000.00} from XXXX Bank. {$15000.00} from XXXX. {$30000.00} total. In the meantime, they have reduced my credit availability on these cards ( credit limits of {$20000.00} on each card ) to {$5000.00} available, per card. The {$15000.00}, per card, that they haven't paid is also being charged against my credit limits. This is all unacceptable.
Consumer complaint received 2023-08-01
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. (GA)

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account.
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2023-09-01
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'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 2023-12-07
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BARCLAYS BANK DELAWARE (NY)

Over the past two years, I continually receive blank bank checks in the mail related to my Barclay 's XXXX  Mastercard account ( XXXX ). I have called Barclay 's numerous times asking the bank to STOP mailing me checks. The last time I notified Barclay 's to stop sending checks, they opened a Case ( XXXX XX/XX/2023 ) to address my issue. However, again on XX/XX/ I received blank checks in the mail! 
I do not want the blank checks mailed to me because scammers can steal written checks from my mailbox and scammers can use chemicals to erase and rewrite checks to themselves, sell my personal info or use it to create counterfeit checks. Even the outside of the Barclay 's envelope has written, " You XXXX Essential Rewards Mastercard ... '' that tells scammers the letter has Mastercard info enclosed. 
I want Barclay 's to stop mailing me blank checks!!!
Consumer complaint received 2023-06-14
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC (GA)

I have received a loan around XX/XX/XXXX. At a glance, it seemed to be nice deal upon the initial process, with promises of low interest, but after a couple months of having the loan, I have seen rates get higher. I was given multiple contracts to sign, which I now find suspicious. Ive also struggled with being able to pay online which is my preferred method of payment, but the website seems to often malfunction. There is often aggressive calls being made to make sure I pay on time as well. I have looked up my emails over my payments to the loan, and found I have paid well over the borrowed amount. The last time I was able to check my balance on the portal, I recall seeing I owed roughly the same I borrowed, a year after paying. Their website is constantly getting network errors preventing me from signing in as of XX/XX/XXXX. Below are the dates and amount paid through my emails. I rarely paid in person, so these are most of payments. I paid about once in person so it's probably a little higher than the shown amount. 


Payment Amount : {$440.00} Payment Date : XX/XX/XXXX Payment Amount : {$450.00} Payment Date : XX/XX/XXXX Payment Amount : {$440.00} Payment Date : XX/XX/XXXX Payment Amount : {$390.00} Payment Date : XX/XX/XXXX Payment Amount : {$390.00} Payment Date : XX/XX/XXXX Payment Amount : {$390.00} Payment Date : XX/XX/XXXX Payment Amount : {$400.00} Payment Date : XX/XX/XXXX Payment Amount : {$390.00} Payment Date : XX/XX/XXXX Payment Amount : {$470.00} Payment Date : XX/XX/XXXX Payment Amount : {$470.00} Payment Date : XX/XX/XXXX Payment Amount : {$470.00} Payment Date : XX/XX/XXXX Payment Amount : {$470.00} Payment Date : XX/XX/XXXX Payment Amount : {$470.00} Payment Date : XX/XX/XXXX Total Paid : {$5700.00} Initial Loan : Roughly {$3000.00} Last Checked Balance ( by memory ) : over {$3000.00}
Consumer complaint received 2023-12-26
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. (TX)

It is of utmost importance to recognize that I did not give permission for these accounts, and their existence is causing me significant distress. I respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts from my credit report.
Consumer complaint received 2024-04-23
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. (OH)

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 3rd party. They in fact did not come from a 3rd 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.
Consumer complaint received 2023-08-31
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. (NC)

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 accounts. 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 2023-12-07
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AL)

On XX/XX/2023 I submitted a application for a car loan only to be denied because of ( income ) which is a violation under ECOA I was advised by employee to submit another application which was submitted on XX/XX/2023 only to be denied again for the same reason and credit score. I sent in 3 letters to the CFO XXXX XXXX for his office to respond that they stand behind their decision and completely ignore me as a consumer and member of USAA Bank. This is a clear violation under ECOA and the Federal reserve Act. I submitted the application in good faith and I did not get a proper valuable consideration on either application. I have continued to communicate with USAA only to now be ignored and I am calling for the CFPB to assist me in this breach of contract and non performance of fiduciary duties by CFO XXXX XXXX. I as the consumer am aware of my rights and to be denied my GOD given right is a disgrace to the XXXX  people
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture, a bill, and and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ). I kindly request that you block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit reporting Act, I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required by the law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( XXXX ).
Consumer complaint received 2023-09-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

Re : Dispute of Auto Loan Account, XXXX XXXX Account Number : XXXX To Whom It May Concern : I am writing to formally dispute the information reported on my credit report regarding the auto loan account with the account number XXXX. I believe that this account has violated my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681. 

Though the auto loan has been paid off, it shows 2 late payments that I was never aware of. It wasn't in my hands once the auto company took responsibility to pay off the rest of the debt owed. This account was reported on my credit report without my full consent to begin with. Which is a violation of my rights as a consumer. 

I understand that under the FCRA, you are required to investigate and respond to my dispute within 30 days of receiving this letter. I also have filed a complaint with the Consumer Financial Protection Bureau. Please notify me in writing of the results of your investigation, and when the information is found to be inaccurate, please remove it from my credit report completely. 

I appreciate your prompt attention to this matter and your commitment to ensuring the accuracy of the information on my credit report. 


Thank you for your cooperation in resolving this matter. 


Sincerely, XXXX XXXX
Consumer complaint received 2023-12-28
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Unable to open an account
Company: BMO Bank, N.A. (CA)

I applied for a new CD account on-line. It was declined, and I was told there would be an email with an explanation. The email had no explanation. I called customer service, and was not given an explanation, either. I was told there was simply no way to open an account, and no way that I could find out the reason.