davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

PLEASE REMOVE ALL OF THE INCORRECT PERSONAL INFORMATION ON MY CREDIT REPORT. THE INFORMATION LISTED ON THIS DOCUMENMT IS NOT MINE AND NEED TO BE CORRECTED. THIS IS A RESULT OF IDENTITY THEFT.US CODE 1681 E- COMPLIANCE PROCEDURES B ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Consumer complaint received 2023-11-22
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. (VA)

I am writing to dispute the presence of some hard inquiries on my credit report as listed below. These inquiries were made without my knowledge or consent, and I request their immediate removal from my credit file. 

Inquiry Details : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX 3 INFORMATIVE XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-22
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. (FL)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : Account Name : XXXX Account Number : XXXX, Account Name : XXXX  XXXX  Account Number : XXXX, Account Name : XXXX XXXX Account Number : XXXX, and so on.
Consumer complaint received 2023-06-14
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: FORD MOTOR CREDIT CO. (TX)

My truck was repossessed in XXXX, later went through a bankruptcy and completed it in XXXX. 

I was called on XX/XX/XXXX by someone XXXX threatening to serve me papers or settle for a lower payment of {$1200.00} apposed to the {$7500.00} they said that i owed from the XXXX repossession, to settle the debt. I needed to call back before XXXX to make the agreement or the papers would be served and i would need to hire an attorney.
Consumer complaint received 2024-04-01
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (AL)

On XXXX XXXX XXXX 2023, XXXX purchases of {$500.00}. were made totalling {$1000.00}. Discover informed me and asked if I made these purchases. I immediately replied and I said no. However, Discover still allowed the transactions to go through. They adjusted the bill and charged me for XXXX of the tranaction. I owed them {$590.00}. 
The present bill should have been only {$590.00} but Discover went ahead and added the XXXX transactions again to the {$590.00} and charged me {$41.00} plua interest on the amount owed. The bill is currently incorrect. My credt score was in the XXXX but Discover have reported me to the creit reporting agencies and presently my score is in the XXXX. 
I would also like to Discover to rectify information and my name to be cleared off the wrong doing at the credit reporting agencies. At present, I owe only {$590.00}.
Consumer complaint received 2023-05-20
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. (FL)

I have been asking XXXX XXXX  to verify a collection debt on my credit report. They have failed to do so in the past two months which is a direct violation of my rights as a consumer. Per 15 U.S. Code 1692g - Validation of debts. A company has 30 days to verify a debt. Transunion is continuing to allow this by reporting this debt although this debt has been deleted from both XXXX & XXXX. Another violation of the FAIR CREDIT REPORTING ACT. If this issue is not resolved I will be taking it to court!
Consumer complaint received 2023-11-22
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)

I demand the XXXX account to be immediately removed off my consumer report, unless there is proof of signature that I did indeed do business with this company, as I have no idea who this company is and have never done business with this company as Ive disputed before. I do not even know what a flex spending account is nor have I ever had one. If there is no such proof then this is consider IDENTITY THEFT and needs to immediately removed no later than 4 days according to 15 USC 1681c-2 Block of Information Resulting From Identity Theft. I will be suing for {$1000.00} per violation per 15 USC 1681n-Civil Liability for Willful Noncompliance .
Consumer complaint received 2018-10-26
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. (OH)

Sent letter to TransUnion, XXXX, and XXXX  requesting, validation of XXXXXXXX XXXX account showing past due days. Asked for contractual obligation, bearing my signature, how they came up with the past due days. I have yet to receive anything regarding verification, yet I keep getting the same responses that the account is verified. I received a letter from XXXX on yesterday XX/XX/18 from XXXX stating that they can not find my account with the information I sent them which is the account number listed on my credit report, if this is the case how is the credit bureaus verifying this account if the account holder cant locate the account? Seems like the credit bureaus are not doing what they are supposed to do and this is a violation.
Consumer complaint received 2024-04-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: V and H Portfolio (TX)

I'm reaching out regarding a concerning issue with my credit file. I've noticed a collection entry from your agency that has caught my attention, as I was not previously informed about this collection. Additionally, I have serious doubts about the accuracy of the debt being claimed. Under the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Therefore, I kindly request that you provide me with the necessary validation and take appropriate actions to address this matter.
Consumer complaint received 2023-10-10
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: ALG Trustee LLC (VA)

Please find attached, my Urgent Follow-Up Complaint Regarding Referral of Complaint ID : XXXX Concerning Unauthorized Transfers of Ownership and Intentional Material Alteration of Parcel and Tax Map Identifiers Involving Local County Government and Homebuilder/Developer, XXXX XXXX XXXX XXXX XXXX dated XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In a accordance with fair credit reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX # XXXX, CaXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX these companies have 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 an 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 1681 s-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 their information is inaccurate. 

Someone needs to hold them accountable for this the credit Bureau have no respect for the laws. 

XXXX
Consumer complaint received 2023-02-21
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. (AR)

I have a loan with XXXX XXXX XXXX XXXX I have always made my payments on time. For some reason, I realized that there were late payments on my credit report. As you can see, I have always had a stellar payment record with these companies. I tried contacting the 3 Credit Bureaus with no successful resolution. There was definitely an error on their part. Investigate thoroughly and please update for 100 % accuracy. Below is the account with erroneous information. XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXXXXXX XXXX  Balance {$24000.00} I believe this account is reporting inaccurately. I do not believe I was late on the dates this account presents. I keep records of my payments and I always make my payments on time, I was never late. Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. I request an investigation and please update this account for lawful accuracy.
Consumer complaint received 2023-11-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ZIONS BANCORPORATION (TX)

My husband, which he is also in this account, was paid by a check in the amount of {$5.00}, XXXX, for a job and Amegy froze our whole account while we were on vacation! They said they did not recognize the company and they had a reason to believe that the check would not have enough funds. Whats funny is that the guy that paid, it had already cleared on his end, but Amegys fraud department will not talk to us. We have been with them for over 20 years and its so frustrating and disappointing that I thought our loyalty counted as something for them. Yes, they froze our checking account without warning! This happened on XX/XX/XXXX, and according to them, they are not done with their investigation until XX/XX/XXXX. So upset!!
Consumer complaint received 2018-10-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (CT)

Original Total Loan Amounts : {$10000.00} and {$19000.00} both dated XX/XX/2005. Made all payments on time. Guaranteed interest rate was 1.875 %. Navient changed my interest rate to 2.875 %. Accidentally made XXXX  XXXX XXXX Online Payments to spouse 's Direct Parent Plus Loan on Daughter, XXXX 's Account., rather than on my own personal loan. When error was discovered XXXX   XXXX XXXX Manager, myself and Sallie Mae manager resolved the issue immediately and payments were made immediately to rectify the problem. Dept. of Education FSA sent refund checks for overpayments to Parent Plus Loan since that loan had already been paid in full. Navient changed my interest rate to 2.875 and after many letters and phone calls to them they have refused to honor the correct interest rate of 1.875 for years. They may have already changed my interest rate prior to this error having taken place. I have always paid and continue to pay all of my bills on time and it is unjust that those who pay their bills are treated unfairly. 

Another complaint is also being filed in regards to my spouse 's parent plus loan through Navient.
Consumer complaint received 2023-05-20
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. (MO)

This Acct is inaccurate i will provide proof, Incorrect information on your report XXXX XXXX Is Reporting Duplicate Acct on My XXXX report i disputed mutli times and they will not remove it here is the company response Company responded STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation Company 's Response VIA CFPB PORTAL XX/XX/XXXX Re : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Consumer : XXXX XXXX XXXX CFPB ID : XXXX Dear Sir or Madam : This letter is in response to the above-referenced complaint filed with your office on XX/XX/XXXX. XXXX XXXX obtained his account from XXXX XXXX XXXX in XXXX, MO on XX/XX/XXXX, in the amount of {$310.00} and agreed to repay it in ( 6 ) monthly installments of {$52.00} beginning XX/XX/XXXX. The account was assigned as account number XXXX. No payments were received on the account, and it was charged off on XX/XX/XXXX. The account was then internally transferred to XXXX XXXX in XXXX XXXX, MO on XX/XX/XXXX, and assigned account number XXXX. On XX/XX/XXXX, XXXX sold the account to XXXX XXXX XXXX, XXXX. XXXX XXXX was notified of this sale and the contact information for all future communications regarding the account. XXXX XXXX indicated in his complaint that the XXXX account is not reflecting his bankruptcy. The only case for a XXXX XXXX bankruptcy under XXXX XXXX name and social security number is in the XXXX XXXX XXXX Missouri, Petition # : XXXX with a date of file being XX/XX/XXXX. XXXX can find no evidence that XXXX XXXX was under bankruptcy protection during the time XXXX owned his account. Unfortunately, XXXX can only furnish XXXX XXXX account information to the credit reporting agencies up to and including the date when the loan was sold. Any transactions or obligations under state or federal law that allow for protection under bankruptcy after the date of sale need to be addressed with the purchaser of the account. As World is no longer the owner of the account, all communications regarding this account should be directed to : Customer Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX Sincerely, XXXX XXXX XXXX XXXX Department ATTACHMENTS XXXX XXXX XXXX XXXX ( XXXX XXXX
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (LA)

15 USC 1681e- Compliant procedures, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 USC 1681i- A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( iii ) by not later than 15 days after receiving a request from the consumer description. I would like to have these following items removed from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I took notice to inaccurate information on my credit report. The accounts goes as follows ; [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ] The inaccuracies are that I was " late '' when I never was. This is tarnishing my reputation. This is violation of multiple federal laws set forth by Congress in regards to the above accounts. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, late payment status ), between the consumer ( myself ) and the person ( CREDITOR ) making the report. 

Additionally, a creditor CAN NOT mark a consumer as late for any reason/purpose as it violates 15 USC 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. This is my consumer instruction ; remove all late payments from each account and update the reporting to reflect current/paid as agreed never late. 

I am not in dispute of the ownership of the accounts so there is no need to " verify '' it, but if your company insists on " verification '' of these late payments then I request that you mail me a copy of the complete consumer file that you maintain concerning me after you act on this dispute. Note, the term file means all of the information on [ me ] and retained by [ you ] regardless of how the information is stored. 15 U.S.C. 1681a ( g ). Therefore, it is unlawful to send me a partial disclosure and not the entire file. 

If you verify or deem the item of information that I disputed above as accurate and complete, then I request a description of the procedure used to determine the accuracy or completeness of the information including the business name and address of any furnisher contacted in connection with such information and the telephone number of such furnisher, pursuant to the provisions of 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), in no later than fifteen ( 15 ) days after making such determination. See 15 U.S.C. 1681i ( a ) ( 7 ).
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have been a vicitm of identity theft and I am still having problems. I have sent copies of all the identity theft paperwork to the credit agencies and nothing has been done. No FTC reports have been attached to my disputes. And per the FCRA I am supposed to get copies of the verification process and I am not getting any.
Consumer complaint received 2024-04-16
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Paypal Holdings, Inc (FL)

PayPal sent me a note that I did not pay their card. When I inquire I noticed that they did not send me the statement. When I tried to pay, their system does not allow me to pay on time or pay through another credit or debit card. It seems that they are trying to make it late at all costs to collect the fees.
Consumer complaint received 2023-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

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 2023-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I recently received a copy of my credit report and I discovered many fraudulent accounts reporting false information on my credit report. My personal information was exposed in recent breaches and made my identity vulnerable. This fraudulent information on my report was a result of identity theft. 

In line with the FCRA XXXX, I request ALL the Fraudulent information be removed Immediately! I am being adversely impacted by this fraudulent information, I am a victim of identity theft.
Consumer complaint received 2023-11-22
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. (CT)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-02-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (NE)

Sunrise started XX/XX/23. Finally answered after a week. Collecting a debt of XXXX? From XXXX for some equipment. Told them I have never had any business with them or received any equipment from them. They then asked if I lived in New Jersey which I dont. They said ok and gave me a number for their fraud department which I called and all it was some beeps. The calls are about twice a week