davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-05
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. (MO)

Equifax has not only impacted my personal information through their data breach. I am a victim of Identity Theft and they are the only bureau that hasn't removed the fraudulent information from my credit profile! I have submitted all of the required information to them which will be attached with this complaint via USPS certified mail and it has been over a month and it is still " under investigation ''. Fraudulent accounts are to be blocked from reporting within 4 business days after the date of receipt according to 15 US Code 1681c-2. It has been more than 30 days which means I also have the right to have this account and the address attached to it removed immediately ( Section 611a ). Equifax is also in violation of FDCPA Section 807 by reporting misleading information.
Consumer complaint received 2020-05-11
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. (TX)

There is 2 debts being reported to all 3 credit bureaus from XXXX XXXX. I have disputed these charges. There are 3 accounts and I only had one account with XXXX XXXX, which was paid on time and paid off in full. The other 2 says charge-off, delinquent. I have disputed these charges. This was fraud/identity theft. I contacted XXXX XXXX about this and they refuse to show me where I signed for these other 2 loans. It keeps being on my credit report as being accurate. The amount showing is {$750.00} past due as if XX/XX/2020. I contacted XXXX   XXXX again and spoke to XXXX on XX/XX/2020 and she informed me that if I pay {$200.00} that XXXX XXXX would remove this debt from credit, although this is not my debt, so I sent XXXX XXXX a check for {$200.00}. I informed the credit bureaus of this and sent the credit bureaus the letter, and the cleared check for {$200.00} that I sent XXXX XXXX. It still remains on my credit report.
Consumer complaint received 2024-03-25
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)

On XX/XX/2024, I demanded a validation of debt, per USC 1692g Sec 809 a and b informing both XXXX and TransUnion that this account was not mine. Neither company validated the debt is mine. 

On XX/XX/2024, I sent another letter demanding validation, and Neither company has validated the debt as mine. I included an FTC identity theft report ( XXXX ) informing both XXXX and Transunion that this account is not mine and was opened by identity theft and demanded that it be removed immediately from my reports. 

XXXX and Transunion have negligently continued to state this debt is mine despite the evidence proving otherwise. This is a clear violation of the FDCPA
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have 10 student loan accounts that are all reporting as as COLLECTION from XX/XX/XXXX to XX/XX/XXXX according to my credit report. 

This is inaccurate reporting of my payment status, as I've deferred these payments. This should be reporting as " CURRENT '', it is severely hurting my score.

I have tried to rectify with the credit bureaus and my loan provider with no resolution. I want these accounts investigated and corrected with the correct payment status.
Consumer complaint received 2020-12-30
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: HYUNDAI CAPITAL AMERICA (CA)

I already filed a compliant about Hyundai and how the incorrectly report a balance in XX/XX/XXXX and I requested information on how they got this incorrect balance in XXXX it was XXXX and XXXX there was balance. I wanted proof of this and they ignored my request. 

Now they are saying they are going to update the tradelines. THAT IS NOT WHAT I ASK FOR. This is their fault and now has been a year fighting with him to adjust this. I will not set back anymore and let them do what they want, I want the tradelines deleted COMPLETELY from my credit report XXXX 

I should not have to spend my time filing complaints after complaint all because they wont do their jobs right.
Consumer complaint received 2023-02-02
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: EQUIFAX, INC. (NC)

I have a closed/dismissed XXXX  that XXXX, Equifax and XXXX are reporting on my consumer report without consent of negative and harmful feedback on my profile and hindering processing for housing. Due to this being a violation of my right to privacy under Title 15 US code 1581, I have requested removal by XXXX XXXX XXXX  as well as an Affidavit of Truth and received no remedy from these agencies. I have contacted the courts where my previous XXXX  was filed and they have verified that they did not provide my information as either. I would like the reporting of this XXXX  as well as all addresses associated with this filing removed from all reporting agencies.
Consumer complaint received 2022-11-21
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. (NJ)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2020-12-31
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. (MO)

Letters were sent to all 3 reporting agencies on XXXX. 
I nor my husband XXXX XXXX have received anything. These inaccurate findings are PREVENTING us from purchasing a home. This is VERY disrespectful to not respond in 4 months now.
Consumer complaint received 2023-05-31
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (OH)

On XX/XX/2023, I received an email from Citizen 's bank stating that they were offering {$10000.00} to qualified first time homebuyers with a minimum score of XXXX. At the time my score was a XXXX. I called Citizens and they took my preapproval application over the phone. They sent emails requesting verification information and shortly thereafter I received an approved preapproval ltr stating I could shop for a home. I found a home, signed a purchase agreement in XXXX. I notified my loan XXXX that I found home and signed agreement. XXXX XXXX told me to hire an inspector. I had inspection done and XXXX then informed me I had to pay for an XXXX and sent instructions on who to pay a {$650.00} fee. I then started receiving all these requests for additional information and proof of paid debts for the underwriter. The lender ran my XXXX XXXX XXXX significantly reducing my XXXX XXXX. I provided proof of downpayment funds, paid off debts as required by lender, and provided documentation over and over for the same debts. XXXX never mentioned downpayment assistance throughout this process and at the last minute they are sending conflicting disclosures and requesting the same information they requested previously as a condition of the loan commitment. As a result of the way this process was handled, I exhausted my savings paying off debts that were not delinquent and lender was still asking for an exorbitant amount of money to close. I tried on multiple occasions to reach XXXX as well as my realtor only to have my calls ignored. My realtor also tried contacting the bank to speak with XXXX 's supervisor and no one ever got back to me about his lack of communication. At this point, I am in danger of losing this home because the seller has run out of patience and I still need to transfer this transaction to another lending institution.
Consumer complaint received 2022-11-14
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. (GA)

XXXX XXXX has done everything since suing me and having to withdraw it. I have no taxable income so they couldn't get any money out of me after I lost everything going into forced retirement. This is yet another violation. These XXXX XXXX XXXX XXXX, XXXX with a balance of {$8300.00} and another card with a balance of {$3400.00} are both charged off accounts. This is inaccurate reporting. Secondly, both are reporting as " open '' on my Equifax report and on my XXXX report. Both are violations of my rights. THIS INVESTIGATION HAS TAKEN LONGER THAN 30 DAYS!
Consumer complaint received 2023-06-21
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. (FL)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2021-01-19
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: NAVY FEDERAL CREDIT UNION (AZ)

I was unemployed for 2 months due to COVID-19 and I requested an extension from Navy Federal Credit Union and although they advertise that there are options for relief, they did deny me. They close my credit card and kept adding {$29.00} late charges to my account which amount to XXXX XXXX now. I am current with my credit card now but my installment loan remains past due.
Consumer complaint received 2022-11-14
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. (GA)

XXXX XXXX has done everything since suing me and having to withdraw it. I have no taxable income so they couldn't get any money out of me after I lost everything going into forced retirement. This is yet another violation. These two XXXX XXXX cards, one with a balance of {$8300.00} and another card with a balance of {$3400.00} are both charged off accounts. This is inaccurate reporting. Secondly, both are reporting as " open '' on my XXXX report and on my Myfico report. Both are violations of my rights. THIS INVESTIGATION HAS TAKEN LONGER THAN 30 DAYS!
Consumer complaint received 2022-12-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP (WA)

On XX/XX/XXXX my XXXX credit card was compromised and fraudulently charged by several different merchants, including XXXX ( online streaming service provider ). My card issuer, Elan Financial Services, created a fraud case to investigate the charges. Additionally, they closed the the compromised card and reissued a new card. On XX/XX/XXXX, while reviewing and paying my bill online, I recognized that I was charged again on XX/XX/XXXX ( 1 month from the previous fraudulent charge ) from XXXX. Upon speaking with Elan Card Member Services, they informed me the merchant likely participates in a program called XXXX Account Updater ( XXXX ), https : XXXX, where merchants can query ( either real-time periodic batching ) to obtain updated account information for its customers with credentials-on-file. In this case, Sling is a participant and although the account was fraudulent and the previous charges in-dispute, queried the VAU service and obtained the new card information. Upon reviewing the website and taking note this is a pay-for service offered to XXXX 's merchants and acquirers, I asked Elan if there was an opt out for the program. Elan instructed me that since the program is administered by XXXX, meaning Elan didn't specifically provide any additional information other than the standard data sharing required to operate my account on a day-to-day basis, I would have to reach out to XXXX directly. I then contacted XXXX explaining my preference to opt out of the program. I was then told my Visa that the card issuer opts to share VAU data specifically and if I choose not to have my card information shared the issuer, Elan Financial Services, would need to opt my account out of sharing. I asked XXXX to provide these instructions in writing, given the issuer had instructed me to opt out through XXXX directly. Finally, I followed back up with Elan to inform them XXXX said it was an opt in program for the issuer and they own opting their cardholders out. I have the written documentation from XXXX and awaiting written documentation from Elan ( fax request was sent XX/XX/XXXX )
Consumer complaint received 2023-06-05
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: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX 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 604 A. section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-05-15
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc. (AZ)

I XXXX XXXX XXXX enter into a collection contract with NCB, with XXXX XXXX. File number # XXXX. I paid the car off through NCB. NCB, never reported the agreement with the XXXX Credit bureaus. Now, on my credit report is showing Negative derogtory credit every month on my credit report. I called XXXX, he will not correct or accept my calls. I feel like NCB took my money and never told XXXX XXXX that I made the final payments to NCB Collection XXXX My credit score is tanking due to NCB. I called XXXX XXXX they seem to know nothing about NCB collection agency. XXXX XXXX still shows a balance of XXXX, as of XXXX XXXX plus, the account shows written off and closed. I been defrauded by XXXX XXXX and NCB collection agency. 

XXXX XXXX account number # XXXX. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX has violated my right 15 U.S.C 1681 section 602A. States I have the right to privacy 15U.S.C. 1681 Section 604 A Section 2 : It also Sates a Consumer reporting agency can not furnish an account without my written instructions 15U.S.C. 166b A Creditor May not treat the payment on a credit card account under an open end consumer credit plan as late for any reason.
Consumer complaint received 2022-12-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Atlanticus Services Corporation (NY)

Aspire Credit Card has an issue applying payments. Mailed a payment from my bank on a XXXX and payment wasn't applied until 15-20 days later. When call customer service is rude. Have been assessed late fees and had credit score affected by the delay of applying payments.

Www.aspire.com Card issues by XXXXXXXX XXXXXXXX XXXX XXXX  through XXXX This credit card is a disservice to anyone trying to rebuild their credit. What a disgrace.
Consumer complaint received 2023-06-05
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: EQUIFAX, INC. (TN)

I am writing to dispute information on my credit report that is related to a bankruptcy filing. According to my credit report, there is a bankruptcy filing that was reported in XX/XX/XXXX However, I have not filed for bankruptcy and the information on my credit report is incorrect. 

I sent letters to you on XXXX XXXXand XX/XX/XXXX requesting that this information be removed from my credit report, but it has not yet been corrected. I also contacted the US Bankruptcy Court, and they informed me that they did not report or verify this information. 
Please send me a written response confirming that you have corrected the error and removed the bankruptcy information from my credit report. If you are unable to verify the accuracy of this information, please remove it from my credit report immediately.
Consumer complaint received 2022-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I requested my free credit report from TransUnion in XX/XX/2022 via the XXXX website. TransUnion delayed providing me with my free annual credit report. I received a post card in the mail requesting that I verify my address with TransUnion before they released my credit report. The request required that I provide them with two forms of address verification with my current address. 

I contacted TransUnion to discuss the matter and verified my current address on XX/XX/2022. The representative refused to accept my information and proceeded to threaten me with disconnecting the call after I provided him with my current address multiple times. 

TransUnion is engaged in unscrupulous business practices. 

Homeless individuals should be given access to their credit reports notwithstanding their ability to verify their current address. 

In order to resolve this complaint I am requesting a free copy of my TransUnion credit report in earnest.
Consumer complaint received 2023-02-02
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Problem with customer service — 
Company: Fidelity National Information Services, Inc. (FNIS) (CO)

I've subscribed to this online pay service with XXXX for decades. Just recently I had fraudulent activity on the checking account at XXXX XXXX  used to make all online payments against. As result that account was closed and a new checking account opened. But, before I could update checking account on XXXX site {$1200.00} payments were made in automated payments to XXXX, XXXX  XXXX, and XXXX from previous closed checking account by XXXX. XXXX  has blocked my online service, refusing me any ability to update checking account to be used now or in future until creditors return payments made. Creditors refusing to do so ( even if I give them payments from alternative sources ). They will simply apply that against balance. 
XXXX willing to assist in correcting situation.
Consumer complaint received 2017-05-05
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. (GA)

Despite the evidence I have provided indicating that the  XXXX   XXXX   XXXX   XXXX   XXXX  violated Federal Laws in the handling of this debt -- both by failing to notify me about it prior to reporting it to the Credit Reporting Agencies on  XXXX / XXXX /  XXXX   and then refusing to forward the debt back to the creditor in response to my formal dispute of the charges on  XXXX / XXXX /  XXXX   after I was notified about it on  XXXX / XXXX /  XXXX   -- the  XXXX   XXXX   XXXX  have persisted in listing the debt as valid, despite my disputes submitted concerning the validity of the debt because of the Federal laws that were violated in how it was handled by the  XXXX   XXXX  assigned to it.
Consumer complaint received 2023-06-06
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. (NM)

I have been disputing fraud on this credit card account with XXXX XXXX XXXX Bank. They have repeatedly ignored my requests and will not answer my questions. They have been silent on the issue. They have now charged off the balance and it is now negatively affecting my credit scores on all agencies.