davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: NAVY FEDERAL CREDIT UNION (CA)

The account doesnt exist without fraud. Ive contacted Navy Federal multiple times in different department and in person. No one can find a history of the account or the collection because it doesnt exist. The account is created fraudulently. I still have a savings account with this bank. I deposited {$50.00} into the savings account in XXXX ( the member account for online banking says no collections can be collected on my member number at all so Im not sure how {$63.00} was taken out on a charge off collections account that doesnt exist and I cant see it on my end and no statements have been printed for it because there is no history of any transactions for the account. 
The charge off department and recovery department have not resolved the issue. Since the XXXX breach on my record in XXXX and the XXXX of the same year, any bank records in XXXX are fraudulent as I didnt have any access to any checking accounts in XXXX. 
I need this charge off removed immediately and my deposit do {$63.00} returned to my savings account before I close it.
Consumer complaint received 2023-10-12
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. (FL)

I submitted a letter to the 3 Credit Bureaus to 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 Balance Owed : {$7100.00}
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

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 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 2023-10-11
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. (IL)

I have recently checked my credit report and noticed this account that did not belong to me. In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX # XXXX has violated my rights. 
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 had reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-08-04
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

Below is the companies, dates, and bureaus these unauthorized inquires are appearing on! I have reached out for MONTHS now to have these removed and they were only removed on equifax. Please remove these inquires off of ALL remaining bureaus! My information was also impacted by the equifax data branch and may have got into the wrong hands so I take my report very seriously. 

XXXX/XXXX  XXXX XXXX XXXX  Auto Dealers, New XX/XX/2020 XXXX  XXXX XXXX XXXX Auto Financing XX/XX/2020 XXXX XXXX XXXX XXXX XXXX All Banks XX/XX/2020 XXXX  XXXX XXXX XXXX Auto Financing XX/XX/2020 XXXX  XXXX XXXX Auto Dealers, Used XX/XX/2020 XXXX  XXXX XXXX Auto Financing XX/XX/2020 XXXX  XXXX XXXX XXXX XXXX Auto Financing XX/XX/2020 XXXX  XXXX XXXX Bank XX/XX/2020 XXXX  XXXX XXXX/XXXX  XX/XX/2020 XXXX  XXXX XXXX XXXX Finance/Personal XX/XX/2020 XXXX  XXXX XXXX XXXX XXXX XX/XX/2020 XXXX  XXXX XXXX XXXX XXXX  Auto Dealers, New XX/XX/2020 XXXX
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I am writing to express my serious concerns and frustration regarding the multiple unsuccessful attempts to remove the late closed and charge-off accounts on my credit report. These inaccuracies have persisted, despite previous disputes, and continue to have a detrimental effect on my creditworthiness. I hereby request an immediate and thorough investigation to finally resolve this matter. 

Despite multiple prior attempts to rectify these inaccuracies, they persist on my credit report, negatively affecting my credit score and financial standing. I have provided documentary evidence and information in each previous dispute to support my claims. 

I kindly request that you conduct an immediate and thorough investigation into these late closed and charge-off accounts, ensuring that my true financial history is accurately reflected on my credit report. I expect that you will complete this process within the legally mandated timeframe and inform me of the resolution as soon as possible. 

In accordance with the Fair Credit Reporting Act, I also request a written explanation of the steps you have taken during your investigation and any changes made to my credit report. 

The continued presence of these inaccuracies on my credit report has caused significant distress and has hampered my ability to secure credit, loans, and financial services. It is imperative that these issues are resolved promptly to restore my creditworthiness and financial stability. I am asking for your immediate assistance to remove the following accounts in my credit file : XXXX XXXXXXXX XXXX Balance Owed : {$0.00} - Investigate the way this account is reporting the date of last activity, account name, and opening date. I believe this information may be inaccurate. I need this removed now. 

XXXX XXXX XXXX Balance Owed : {$2900.00} - I believe this account is reporting inaccurately. I do not recall ever having a legal obligation with this company nor do I believe one exists. Please provide me verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please remove it. 

XXXX XXXX Balance Owed : {$160.00} - The limit to this account was a fraction of the amount due it was stating. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER. 

XXXX XXXX Balance Owed : {$560.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately.
Consumer complaint received 2024-03-13
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: Experian Information Solutions Inc. (NV)

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 2023-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Mercedes Benz Financial Services (GA)

On XX/XX/2022 hard inquires was pulled from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX without my knowledge , I sent dispute letters 2 months ago but have not gotten any response back from the creditors.
Consumer complaint received 2021-08-03
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. (FL)

Ex husband married woman with same name as me, spelled differently ( XXXX ) and different middle initial ( XXXX  ). Collection agencies are sending her notices to my new address, having changed the spelling of her first name to mine. They are also calling me, even though my phone is not listed nor has it ever been under my name. I dont understand how they got it. I am remarried with a new last name. I do not want her debts to be attached to my name, or worse, to my new husband. My old and new last names are connected to her on many people search sites as well. This is very frightening ; it causes me much stress. 
Also, I have not been able to reach an actual live person at any credit reporting agency to get answers to my situation. 

Any help would be greatly, greatly appreciated Thank you XXXX XXXX  XXXX Her present info is : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX  XX/XX/1956 XXXX
Consumer complaint received 2023-04-19
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: Experian Information Solutions Inc. (NV)

I just recently reviewed my profile and Im very upset to the result that I have received. The Credit Bureaus failed to properly investigate the matter by and have continued reporting unconfirmed & unverified information. I never received any notice from these companies that my dispute is truly mine or correct. Please remove the items below in my file : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-11
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc. (LA)

RECEIVED AN ALERT TODAY FROM XXXX THAT THERE WAS A COLLECTION DEBT ON MY REPORT. IT CLAIMS THAT A DEBT OF {$990.00} IS OWED REGARDING XXXX XXXX AND THE COLLECTION COMPANY IS AMSHER COLLECTION SERV
Consumer complaint received 2023-09-22
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)

I firmly insist on the removal of these misleading accounts from my credit report, as I never provided authorization for their use. It is essential that you swiftly erase this inaccurate account from my records.
Consumer complaint received 2022-12-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2023-10-12
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. (ID)

Equifax has purportedly resolved my investigation without responding to my complaint on CFPB. It is expected that they will soon indicate the complaint as resolved and it will subsequently be closed. However, I want to emphasize that Equifax 's involvement in this matter is far from over. Equifax erroneously categorizes my bankruptcy as a XX/XX/XXXXXXXX, a classification applicable to family farmers required to partially repay their debts. I have never engaged in farming and have no obligation to make any repayments. This appears to be an intentional attempt by Equifax to evade accountability for their error which appears to be more intentional than error at this point. 

Despite myXX/XX/XXXX bankruptcy being public record and duly acknowledged by Equifax, it took three investigations for them to rectify my credit report. XXXX XXXX was duly notified by the court of my impending and final discharge. I also wrote to them several times via email, explicitly requesting an end to their phone-based harassment and reiterating details of my bankruptcy. Both XXXX XXXX and Equifax were aware that the debt was invalid, both were aware of the finalized discharge. Nevertheless, it took three investigations for Equifax to partially rectify the situation. 

Presently, I see that XXXX XXXX is labeled as a " closed account '' on my Equifax my credit report ( no other credit reporting agencies have had this problem. ) However, Equifax has appended a comment implying that this discrepancy was somehow my doing, when in reality, it stemmed from the failure of XXXX XXXX and Equifax to comply with legal procedures. This is particularly galling as it adversely affects my Equifax score, inaccurately suggesting that I bear responsibility for the situation, rather than XXXX XXXX and Equifax who failed to adhere to legal requirements. 

I am unwilling to initiate a fourth dispute. Instead, ***I wish to inform Equifax that I have initiated a lawsuit against them in small claims court. *** This action is taken to seek redress for the time spent, the harm caused to my credit report, the missed financial opportunities, and the emotional distress inflicted upon me. It is aburd for Equifax to offer admonishments or guidance on proper procedures for future incidents when it was their own professional incompetence that necessitated three investigations to address this matter and they still have failed to get it right.
Consumer complaint received 2023-10-11
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION (PA)

Sallie Mae has been calling me every hour from XXXX every day, along with my family. I am making payments and have called and told them to stop harassing me and my family and they promise they will and then an hour later I get another call. I have also asked for payment plans or help in any way and they send me emails and letters and once I call them they say I am not eligible but yet continue to send the letters. They are unwilling to help and harass you even if you are MAKING payments. You can never get ahold of a supervisor and they tell you someone will call you and you have to keep following up and still never get a call from a supervisor. The blatant harassment and the way they talk to people should be illegal. They will not work with someone even though they are charging high-interest rates and expect a person in the economy we are in to make payments over XXXX  XXXX a month. They have said the only options are to be disabled or XXXX  to get any help.
Consumer complaint received 2023-02-17
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY (CA)

To whom it may concern, I am writing to dispute a collection account that was opened fraudulently in my name. I recently discovered this account on my credit report and have reason to believe that it was opened without my knowledge or consent. 

I have never applied for or authorized any account with the company in question, nor have I ever received any services or products from them. Therefore, I do not owe any debt to the company. 

Furthermore, I have taken all necessary steps to protect my personal information and have never shared my personal details or account information with anyone. I believe that this account was opened as a result of identity theft or fraudulent activity. 

I am requesting that the collection agency remove this account from my credit report and cease all collection efforts immediately. I also request that you provide me with written confirmation that this matter has been resolved and that the fraudulent account has been removed from my credit report. 

I am willing to provide any additional information or documentation that may be required to support my claim. I appreciate your attention to this matter and look forward to a prompt resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-08-31
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. (GA)

I XXXX XXXX currently have some unauthorized inquiries appearing on my credit reports. 


XXXX Date of inquiry : XX/XX/2023 XXXX. XXXX Date of inquiry : XX/XX/2023 XXXX XXXX  Date of inquiry XX/XX/2023 XXXX. XXXX XXXX XXXX.
Consumer complaint received 2023-06-16
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate. I know this is a violation of the FCRA and FDCPA so they must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party.
Consumer complaint received 2023-04-16
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TN)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: Tesla, Inc. (MO)

I am a XXXX XXXX XXXX  and I have tried sign into Tesla 's Partnership program as a XXXX for the XXXX XXXX XXXX XXXX to install are become a partner. Tesla has denied me the opportunity to do so but they have included other all XXXX companies to do so. I am XXXX XXXX.
Consumer complaint received 2023-02-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Calls from Portfolio Recovery will not pick up if you answer. Return calls don't connect. Numbers from all over the united states call daily. Sent a written request to cease phone calls to no avail. Responded by text message to no avail.
Consumer complaint received 2023-10-11
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. (PA)

I recently received and reviewed a copy of my updated credit report and I still have seen inaccurate and misleading information being reported. These inaccuracies are causing me significant financial distress and need immediate attention. 

-- -- -TransUnionXX/XX/XXXX