davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ALLY FINANCIAL INC. (CA)

On XX/XX/2017, I purchased tickets to a XXXX XXXX XXXX game from XXXX. The XXXX website stated I would get to select the section I sit in, but instead the tickets were automatically assigned to me leaving me no choice as to where I sat. They made a false claim. The tickets that were assigned to me were very different from anything I wouldve chosen or paid for. I immediately contacted the company to get a refund as this was a very different product from what I intended to purchase. They refused to issue the refund and provided no meaningful reason for this decision. I disputed this charge with Ally as this perfectly fits the criteria for a chargeback since the item I was sold was substantially different from what I received. Ally responded that they would not issue the chargeback because XXXX has a no refunds policy - they have never addressed the fact that the product I received was significantly different from what I was told I would get. In other words, they have no substantial basis for denying my chargeback and they can only move forward by attempting to deflect from the main issue that the product I received was significantly different than advertised by responding with the non-sequitur that they dont issue refunds. They have incessantly lied to me alternating between saying that they go based on the XXXX chargeback policy ( in which case I am absolutely due a refund ) and that they have their own chargeback policy - when I ask for copies of their chargeback policy, I am told that it is confidential and proprietary, clearly indicating that it does not exist. They have also lied about an executive customer relations team reviewing the case and contacting me - nobody has ever done such a thing and it is unclear if such a team even exists. The bank is refusing to abide by their own policies and I have been deprived of XXXX  XXXX dollars plus interest as a result. The ethics of the bank are nonexistent as the excuses and lies have come from a multitude of individuals I have spoken to who hold various positions, indicating that this unethical approach is institutional.
Consumer complaint received 2018-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX ( XXXX ), XXXX, the lender, erroneously reported to EQUIFAX, XXXX, and XXXX  that my automobile debt was included in a Chapter XXXX ( included in Wage Earning Plan ). This is incorrect and, unless they can show evidence to the contrary directly from the Court of Jurisdiction, they must ask all three credit bureaus to retract this information. The debt in question was NOT part of a Chapter XXXX filing and was paid in full as agreed.
Consumer complaint received 2023-08-07
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc. (FL)

I have not supplied proof under the doctrine of estoppel by silence, engelhardt v. Gravens ( mo ) 281 sa 715,719, I presume that no proof of the alleged debts nor therefore any such debts, in fact therefore exists. 
{$220.00} debt from CREDIT COLLECTION SERVICE XXXX XXXX XXXX in company ) and XXXX XXXX XXXX XXXX Other for {$380.00}. 
Those two messed up my credit score every month.
Consumer complaint received 2023-08-06
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

After filing a dispute on my credit report for an account XXXX and or XXXX XXXX Ive noticed discrepancies being reported on all three credit bureaus this account was settled and paid but shows different balances for each credit bureau for the same account
Consumer complaint received 2023-08-06
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: EQUIFAX, INC. (CA)

I recently ordered a copy of my credit reports and discovered several inaccurate and fraudulent items listed on them. I want to emphasize that I have no knowledge of these transactions and believe that I am a victim of identity theft. These items are negatively impacting my life and financial well-being, and I urgently request your assistance in blocking and removing them from my credit reports.
Consumer complaint received 2023-08-06
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: CAPITAL ONE FINANCIAL CORPORATION (MI)

Capital One and XXXX continue to report this account incorrectly. The account has been paid in full and discharged. Per the IRS this is now considered a certificate of indebtedness and is income. Income can not be reported. 

Capital One agreed in their terms and conditions agreed not to release my non public information to non affiliates. XXXX is not an affiliate of Capital One and is not the credit bureau. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports. XXXX is a private owned company does furnish reports based on profit. 

XXXX does not have my written consent to furnish ANY of my financial history with Capital One. 

Capital One is required to refund any balance due back to me within 7 days. I am requesting my payment be sent immediately. 

This account is listed multiple times on my consumer report with the same account number with my financial history attached. You can not have the same acount number for multiple accounts.
Consumer complaint received 2023-10-10
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. (CT)

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. XXXX XXXX XXXX XXXX
Consumer complaint received 2018-08-03
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CA)

I made two extra payments of {$100.00} on XX/XX/18 and XX/XX/18 to my Navient loan ending in XXXX. I did not have any required payments during these two months, and was trying to lower my principal balance.

I have instructed Navient many, many times to apply any extra payments to my principal. Even when

Navient was Sallie Mae, I sent numerous emails and letters instructing them to apply any over payment to principal. Both those payments resulted in being applied to unpaid interest and my balance did not decrease over that two month span. When I have a few extra dollars I ALWAYS use them to pay my student loan balances down. This is not my first complaint about Navient. They have applied my payments incorrectly multiple times and I have complained to them in the past. There have been no changes to their practices. I have had this loan for 10 years now and my current balance is still not below the amount I borrowed, which is absolutely infuriating and unethical.
Consumer complaint received 2024-04-08
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. (PA)

It has come to my attention that despite my consistent attempts to resolve this issue, the fraudulent items remain unchanged on my credit file. These inaccuracies not only damage my creditworthiness but also pose a serious threat to my financial stability and reputation. 

Despite repeated efforts to dispute and remove these fraudulent items, they persist, causing significant distress and detriment to my financial well-being. 

I implore you to conduct a thorough investigation into the fraudulent items on my credit file and take immediate action to rectify this matter. It is imperative that these inaccuracies are promptly removed to restore the integrity of my credit history and prevent further harm to my financial standing. 

Furthermore, I demand compensation for the undue stress, time, and resources expended in attempting to resolve this issue over XXXX attempts. Your failure to address this matter adequately reflects poorly on your commitment to consumer rights and protection. With this, I am asking for your assistance to remove these fraud items in my credit 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
Consumer complaint received 2024-04-08
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)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX & XXXX Date of Inquiry XX/XX/XXXX
Consumer complaint received 2023-05-07
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: EQUIFAX, INC. (CA)

Dispute letter written to all 3 credit bureaus XX/XX/2023. XXXX, Equifax and XXXX XXXX. 

Dispute : Accounts written off with the IRS is considered ordinary income and now canceled debt, 1099c. Advised that I never received the 1099c for any accounts that were charged off and to please provide proof of documentation if so. These accounts are inaccurate and still furnishing on my credit report. The companies have filed it on their taxes as a loss and is still reporting it on my credit report as debt. I asked to be provided proof of accuracy of these reportings and delete for inaccuracy of accounts. Violation code 15 usc 1681e ( b ), 15 usc 1681n, 15 usc 1681o. 

Credit bureau just updated the accounts and added remarks. I asked for deletion. 

Accounts furnishing on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-01
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. (NV)

A lot of hard inquiries are on my credit report and some of the personal information is incorrect. Also, some of the previous credit accounts are wrong. I do not understand how the credit bureaus, all three XXXX, Equifax, and XXXX are getting their information because it's not from me. Some of the information is correct but some information is incorrect. I can provide the exact information I need to be corrected once this complaint is further resolved.
Consumer complaint received 2024-04-08
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. (IL)

15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business after the date of receipt. It has been 30 days and you are in VIOLATION of this law because i am a victim of identity theft!! Please delete these items IMMEDIATELY! 

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer report ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts list IMMEDIATELY! 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-17
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. (NJ)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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 XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-04-08
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. (AZ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Dear TransUnion I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : XXXX XXXX XXXXXX/XX/XXXX : Account number : N/A, Unverifiable. Fix, update or delete the information for date open. 

XXXX XXXX Account number : XXXX, Unverifiable. Fix, update or delete the information for date open. 

XXXX : Account number : XXXX, Unverifiable. Fix, update or delete the information for date open. 

XXXX XXXX XXXX : Account number : XXXX, Unverifiable. Fix, update or delete the information for date open. 

XXXX  XXXX : Account number : XXXX, Unverifiable. Fix, update or delete the information for date open. 

XXXX XXXXXXXX : Account number : XXXX, Unverifiable. Fix, update or delete the information for date open. 

I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon. 



Thanks.
Consumer complaint received 2024-04-08
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. (FL)

This is a formal complaint in regards to violations of my FEDERALLY PROTECTED rights as a consumer under the Family Educational Rights and Privacy Act ( FERPA ) and the Fair Credit Reporting Act ( FCRA ). 1. Violation of my privacy rights under FERPA : The Department of Education/XXXX  has unlawfully provided " transaction '' history to third-party companies, which directly contradicts the provisions outlined in FERPA.

Specifically, FERPA prohibits educational institutions from disclosing personally identifiable information, including transaction history, to third parties without the student 's explicit consent. By sharing my transaction history without my consent, the Department of EducationXXXX has infringed upon my privacy rights. 

Furthermore, the unauthorized reporting of transaction history, particularly regarding late payments, is in direct violation of FERPA regulations. Under FERPA, educational records, including payment history, are protected from disclosure to unauthorized parties. The Department of Education/XXXX XXXX actions in reporting late payments without my consent constitute a flagrant disregard for FERPA regulations. 

Additionally, I am deeply concerned about the unauthorized collection of my Social Security Number. This action is a clear violation of both FERPA and the Privacy Act of 1974 ( 5 USC 522a ), which prohibit the collection of SSNs without proper authorization. The request for my SSN without my explicit consent demonstrates a blatant disregard for federal privacy laws. 

Moreover, as a federally protected consumer under the FCRA, I hereby revoke any and all authorization granted to the notated Credit Reporting Agency, whether written, unwritten, verbal, or non-verbal, in accordance with 15 USC 6802. In light of these egregious violations, I am requesting that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate enforcement actions against the XXXXXXXX XXXX XXXXXXXX  Additionally, I urge the Bureau to ensure that my rights as a consumer are protected and that corrective measures are implemented to prevent similar violations in the future. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution and your assistance in rectifying these violations of my rights. 

DO NOT CLOSE THIS COMPLAINT FOR FEEDBACK RESPONSE, ONLY FOR ACTUAL REMEDY BEING ENFORCED.
Consumer complaint received 2018-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

I took out a loan with XXXX XXXX XXXX XXXX in XX/XX/XXXX and made regular payments up until XX/XX/XXXX. At that time I enrolled with a debt consolidation company to attempt to resolve/combine my bills into 1 monthly payment. XXXX XXXX XXXX XXXX was contacted by XXXX XXXX XXXX XXXX  XXXX XXXX XXXX in XX/XX/XXXX, after other debts were paid off, to negotiate a settlement on this debt and XXXX agreed to a lessor amount than the original loan amount. My credit report is showing the status of this loan was a 'Charge Off '. This is not correct, as they are receiving payment each month against the debt. They agreed to the lessor amount so should not show as a charge off.
Consumer complaint received 2017-12-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Great American Finance Co (IN)

On XX/XX/XXXX, I received notification from my Mortgage Company and received a copy of my XXXX Credit Report, which determined that XXXX XXXX XXXX XXXX placed their credit transaction of {$1500.00} back on my credit report as of XX/XX/XXXX. 

This debt was discharged in my Chapter XXXX bankruptcy in XX/XX/XXXX and should not be reporting on my credit report. I have talked with the creditor who advises that this should not be on my report, but it somehow reporting.
Consumer complaint received 2024-04-08
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. (PA)

I am formally address the ongoing issue of late open accounts and a late closed account that linked to open accounts on my credit file, marking my multiple attempts to rectify this matter. Despite repeated efforts to dispute and correct these late open accounts, they continue to persist, causing significant distress and detriment to my financial well-being. 

I have diligently followed the procedures outlined by your organization to address this matter. However, the lack of action and resolution from your end is deeply concerning and unacceptable. As a consumer, I have the right to accurate and fair reporting of my credit history, and it is disheartening to witness the persistence of erroneous information without appropriate intervention. 

I implore you to conduct a thorough investigation into the late open accounts and late closed on my credit file and take immediate action to rectify this matter. It is imperative that these inaccuracies are promptly corrected to restore the integrity of my credit history and prevent further harm to my financial standing. 

Furthermore, I demand compensation for the undue stress, time, and resources expended in attempting to resolve this issue over XXXX attempts. Your failure to address this matter adequately reflects poorly on your commitment to consumer rights and protection. With this, I am asking for your assistance to correct these accounts in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-08
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. (NY)

I'd like to express my frustration with the dispute process regarding an item on my credit report and I want to dispute this fraudulent information. Despite my diligent efforts to provide valid documentation such as the required FTC report, supporting my position, it seems that my message is not being properly received by your bureau. Let me be clear : I am the one initiating these disputes under my name. The item in question is unfamiliar to me and the documents I have submitted are authentic and registered with the appropriate agencies, corroborating my stance. I insist that the record be rectified. It is important to note that as a credit bureau, you are legally obligated to ensure the accuracy and timeliness of your records. By failing to remove these fraudulent accounts, you are not fulfilling this obligation and are exposing me to further harm. Please DELETE the account below : XXXX XXXX