davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

On ( XXXX ) 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 paid on time. It has been over 60 days so they should be corrected promptly. I demand these 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 XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TN)

XX/XX/2023 : Attached documents prove that XXXX XXXX 's credit bureau reporting for this account during the month of XXXX is incorrectly stating that the account was 30 days past due. Documents show that multiple payments totaling {$3900.00} were made by myself, accepted and posted to the XXXX XXXX account during that month. The payments were applied to the card and it functioned normally. Payments have been made on time/early throughout every single billing statement since opening the card, and zero notifications of past due/late amounts were sent to me for the month of XXXX. Furthermore, to my recollection, the month of XXXX was originally reported correctly as current, and it seems the change may have occurred following a dispute focused on the following month. Credit monitoring services now show the account as " 30 days late '' " {$0.00} '' past due for XXXX. An earlier dispute details a more complex issue for the month of XXXX in which an XXXX XXXX  supervisor, on a recorded line ( case XXXX ) identified a technical glitch -originating solely from XXXX XXXX- which caused numerous payments from previous months to be " returned '' ( attached statements from my corresponding checking account prove that they were not returned to any account of mine, and that it was not possible for myself or XXXX XXXX to have requested returns ). This happened on XXXX XXXX, and payments were sent within one hour of notification each time. Attached documents prove that an error code generated by XXXX XXXX, indicating XXXX XXXX  or myself requested those returns, is WRONG and not possible. Though payments were initiated by myself and marked as accepted to the XXXX account, XXXX XXXX participated in no interaction with my bank account regarding the debiting, or returning of those payments. Attached documents will show that XXXX XXXX generated numerous technical issues, all of which were dealt with immediately by myself, and there was never a period longer than an hour in which the card issuer or consumer was aware of any issue or further action needed. Attached documents show that XXXX XXXX XXXX XXXX  violated regulations in credit reporting, as the account was never late, and there were no notifications of an account being past due for the month of XXXX. On XX/XX/XXXX on a recorded line, I was assured multiple times after experiencing/rectifying XXXX XXXX XXXX XXXX that the account had always been current and no action was needed from myself. At the time of filing this complaint, it appears the XXXX reporting of the account may have been corrected to " current '' but I have not received confirmation. Statements for the months of XXXX - XXXX are attached.
Consumer complaint received 2024-03-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (NJ)

In XXXX of 2023, I was a victim of robbery and identity theft. I reside in NY, but the incident occurred in XXXX XXXX, LA. I had several accounts drained, including 2 I had with navy federal. Below I have attached documents that I sent to Navy Federal with a police report stating the time and dates that the incident had occurred. Of the 4 different banks I have accounts with, navy federal was the only one to deny my fraud claim. They sent me 1 paper stating it was bc of my irregular spending habits. I submitted an appeal with even more paperwork and evidence, and my appeal was denied, not for the reason they initially provided, but for an entirely different reason that was not mentioned the first time around, with no recourse to appeal again. I have been in very close contact with navy federal to keep myself updated with their progress. Their team in my eyes are under qualified and weren't able to answer many of my questions often getting different answers from each person, this has lead to a lot of confusion on my end. My situation since the beginning was poorly handled with the canceling of my accounts and disputing charges. There was very little information and guidance to help me with my fraud dispute since the beginning. I have received 1 letter in the mail regarding why my dispute was denied with very little as to why it was denied. I sent an appeal with several pieces of paperwork backing up my claim proving that I was the victim in this situation instead they deny me yet again. As of this point Navy Federal is refusing to refund me thousands of dollars that were stolen from me, regardless of their Customer fraud policy. I believe the original denial, and denial of my appeal were a result of poor, and unfair investigative practices.
Consumer complaint received 2023-02-28
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. (ID)

I was made aware some time ago that someone stole my identity ( social security number, first and last name ) to rent an apartment with XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX back on XX/XX/2021. The balance has shown up on my TransUnion multiple times as this person has not paid rent in over XXXX months. The balance is well over {$15000.00} and continues to grow as this person still lives at this apartment. When this was first reported to me I was living in XXXX, CA. I now live in XXXX, Idaho. I have filed XXXX disputes with TransUnion, created a police report, submitted all the appropriate documentation that were asked of me from the apartment complex ( lease agreement, renters ledger, Drivers license, social security card, police report ) yet the apartment complex still does not believe this is fraud. The XXXX XXXX Police Department was even in contact with the apartment complex.
Consumer complaint received 2023-08-11
Product: Credit reporting, credit repair services, 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. (FL)

I SEE ON MY CREDIT REPORT THERE ARE SOME fraudulent INQUIRES, I HAVE CONTACT THE POLICE ABOUT MY IDENTY BEING STOLEN AND CONTINUES BEING USED SINCE XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MI)

There is wrong information in my report : &gt; My present address :    XXXX   XXXX   XXXX     XXXX , MI.  XXXX  : please update &gt;   XXXX   XXXX   XXXX   XXXX   XXXX   : I have paid off this account, please update balance
Consumer complaint received 2023-05-16
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Mandarich Law Group, LLP (NV)

MANDARICH LAW GROUP , LLP IS ATTEMPTING TO COLLECT XXXX ON REFERENCE # XXXX FOR XXXX XXXX XXXX XXXX FOR SOMETHING I DO NOT OWED. HAVING NEVER DEALT WITH XXXX TO BEGIN WITH. I AM ON SSXXXX, AND MY INCOME IS FEDERALLY PROTECTED FROM SCAMMERS LIKE THIS. I WISH TO HAVE THESE COMPANIES STOP THEIR ATTEMPTS TO CONTACT ME, BECAUSE I OWE THEM NOTHING, AND THE LAW IS ON MY SIDE.
Consumer complaint received 2023-05-04
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. (IL)

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-04
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. (FL)

I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION (SC)

XX/XX/year> loan closing of our business ( XXXXXXXX XXXX XXXX ). attorneys office received false email to wire money ( XXXX ) to routing # with Truist bank. their escrow account was with XXXX XXXX. closing was completed XXXXXXXX XXXX Friday. money was wired by XXXX XXXX bank to Truist bank shortly after closing. the fraud was discovered Saturday morning and the account it was sent to was frozen. law enforcement was notified. XXXX XXXX sheriffs. s. c. ( case # XXXX ). both banks fraud divisions are aware of details. we can not get banks to release our money. its absolutely no question this money is proven to be ours and they still refuse to release it. we are having to make payments on notes and equipment we no longer own because of finger pointing and red tape. it's bad enough thieves almost got away with their scam. now were having to deal with two huge banks who seem to have little concern about returning our money. we're going into the fifth week trying to deal with these banks with no success and no reasonable responses. please help us as we seem to have nowhere else to turn. thanks!
Consumer complaint received 2024-03-04
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PayZen, Inc. (OH)

This company leaves 2-8 messages a day in my phone. I have told them its phone harassment and blocked them And they continue calling me incessantly. I do not owe any debt to anyone. I want them to be stopped. Their phone # is XXXX
Consumer complaint received 2023-02-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

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 paid on time. It has been over 60 days so they should be corrected promptly. I demand these 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 XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-05-03
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: Experian Information Solutions Inc. (TN)

In accordance with the Fair Credit Reporting act XXXX Account # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2020-08-03
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. (IL)

Asked XXXX and Transunion to make sure everything was reporting compliantly because I seen that things were not the same across all 3 and I also seen something in collections that I never got notification about from credence. Also I never received responses with updated credit reports
Consumer complaint received 2023-01-19
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. (DE)

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-22
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)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$390.00} ; XXXX XXXXXXXX Balance : {$720.00} ; XXXX XXXX Balance : {$580.00}.
Consumer complaint received 2023-01-17
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: Experian Information Solutions Inc. (GA)

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX  Date Filed/Reported XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Date Filed/Reported XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX XXXXDate Filed/Reported XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-05-22
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. (NY)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. Equifax is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item or just DELETE it immediately in my report : XXXX XXXX XXXX
Consumer complaint received 2023-05-04
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NC)

I experienced a medical emergency that created various hardships and was unable to submit my XXXX plan information. I contacted my lender, XXXX in XX/XX/XXXX to discuss options and notify them that my re-certification paperwork would be late. They advised there was no longer COVID relief assistance available. I asked about additional options and was told there weren't any available. My loan went into default and was reported as being late for 2 months. I continued to call them to discuss options to no avail. 

The last email I received regarding COVID relief options from XXXX was received on XX/XX/XXXX. However ; they stated the relief offer ended in XX/XX/XXXX - I called prior to this date. One of the main items is that XXXX did not offer me the option to Consolidate my loans. This would have temporarily paused my loans and. Allowing them not to be reported as late and given me time to set-up other options. I have called to work with XXXX tirelessly from XX/XX/XXXX- XX/XX/XXXX to no avail. I have also submitted XXXX credit report disputes to XXXX. 

My issue is that I was not offered COVID relief options nor Consolidation. All options were to be provided and they were not. 

The desired resolution would be to have all late payments/delinquency reported to the credit agencies removed as all options were not provided to me as the loan borrower. All options should have been recommended so I could consider them and decide what was best. This was a servicing error on the part of XXXX and the delinquency should be removed from my credit report for all agencies. 

Thank you for your assistance.
Consumer complaint received 2017-02-22
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (TN)

I was contacted by debt collector, XXXX XXXX XXXX, XXXX regarding a credit card debt with XXXX XXXX in 2015. I agreed to settle with XXXX XXXX XXXX to avoid going to court and paid the agreed settlement amount in full. The update was made to my credit report by XXXX XXXX stating that the account legally paid in full for less than the full balance, which the current balance showing XXXX. Since the final payment in 2015, Midland Funding collection agency is requesting payment for the remaining balance of the account in the amount of {$280.00} although the account has been settled and fully paid to XXXX XXXX XXXX. Please assist me in stopping Midland Funding from attempting to collect from me and reporting a collection on all XXXX Credit Reporting Bureaus. I have settled the account legally and do not owe anymore on this XXXX XXXX debt.
Consumer complaint received 2023-05-04
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX