davidheineman/consumer-finance-complaints-large huggingface dataset:
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-07
Product: Credit card or prepaid card — Store credit 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: TD BANK US HOLDING COMPANY (IL)

Despite a {$0.00} balance and oweing nothing to the store, TD Bank and XXXX XXXX are knowingly reporting false information to the credit bureaus. I have called XXXX XXXX and TD bank DOZENS of times to to resolve the issue. XXXX XXXX was closed due to Covid around the time of the incident and I was not able to contact XXXX until almost a year later once they reopened their physical location. XXXX XXXX once reopened acknowledged the mistake as well as provided a statement and email showing the correction and {$0.00} balance on account. This email and statement was sent to me in XXXX of XXXX but failed to do their due diligence to correct the negative impact it caused to my credit profile. 
Despite XXXX correction, TD Bank continues to report negatively and reported the account as charged off as well as a {$250.00} balance. I have dealt with nothing but incompetence for 3 years. 
XXXX furnitures XXXX XXXX XXXX reached out to TD bank in XXXX of XXXX multiple times to help correct the mistake.He responded by email but gave up once TD Bank was unresponsive. TD Bank ignored this communication. 
RecentlyXXXX XXXX, XXXX I walked into XXXX XXXX store bank to speak with administration, and was given the operations manager ( XXXX XXXX ) at XXXX XXXX XXXX XXXX. He then called TD bank from stores land line to retrieve a letter stating the balance was not a charge off, not late and a balance of {$0.00}. TD bank stated they would have to verify the stores " merchant number '' to pull information. They did not call back. 
The mix up occurred 3 years ago and I have been dealing with this for 3 years. I have been denied loans and been impacted continually. This has gone on far too long. 

Around XXXX of XXXX an incorrect furniture delivery was made and returned ( picked up ) by XXXX XXXX shortly after. Im assuming They were negligent in relaying information to their servicer. This was at the start of Covid. Everything was shut down and no one was responsive to calls. Once reopened, XXXX did acknowledge and attempt to communicate with TD Bank. Now Ia m being told " admin recovery '' collections company is also reporting this.
Consumer complaint received 2020-04-26
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (AL)

I applied for a {$12000.00} student loan in XXXX/XXXX  to attend XXXX XXXX University-XXXX, Ga with SallieMae. When I signed for this student loan, I wasnt told that this was credit base and that there was different stipulations but that it was a federal student loan to help cover school expenses. On XX/XX/XXXX, it was transferred to Navient. I have been repaying this loan since XX/XX/XXXX without any breaks in payments and due to this variable interest rate, it has become challenging to pay this loan off. I cant refinance the loan because of my credit and I'm exhausted of attempts to refinance my loan to get a fixed rate. The balance of my loan is over $ 24K and if I have been paying on this loan since XXXX, the loan should not still be astronomical if it originated at $ XXXX. My loan has accrued at least $ XXXX of interest and it still increasing. I have spoke with Navient about forgiving my loan but there are no alternatives. I asked about forgiveness of my loan, refinancing my loan for a fixed rate and I was educated that there is no loan forgiveness for private loans and that Navient doesn't offer refinancing options for Private loans. If I was educated back in XXXX/XXXX, I would have never signed for this loan. So I'm out of options. I need some help on refinancing my private loan and I need my account researched to see if the interest was calculated accurately. I feel that my balance should be lower than it's current amount. 

Since I left XXXX XXXX University-XXXX, GA, I have accomplished XXXX  ( XXXX  ) XXXX, XXXX ( XXXX  ) XXXX  and XXXX  ( XXXX  ) XXXX  degrees from XXXX -XXXX. I have accumulated over $ 200k in student loans just to find an eligible job that will pay a decent salary. I had to defer my {$1000.00} payments to pay down other debt just to have the ability to refinance my student loan and that is taking some time. So I need all the help. I am covered in student loan debt. 

Please help me. What are my alternatives?
Consumer complaint received 2023-01-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Jon Barry and Associates, Inc. (VA)

I have contacted DBA Paragon Revenue Group as well as XXXX XXXX on XXXX as well as XXXX to make a settlement due to accounts being listed on my credit report. When I made contact they each told me that they did not see records of these accounts. The amount for one account was {$100.00} and the other was {$140.00}. I am concerned that these are on my credit report inaccurately and that this is a bait and switch situation. 

thank you
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX Balanced {$0.00}
Consumer complaint received 2023-03-09
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. (TX)

In accordance with the Fair Credit Reporting ActXXXX XXXX XXXX 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. My legal rights have been violated. Due to this violation this account must be removed from my credit report immediately. 


In accordance with the Fair Credit Reporting Act, XXXX XXXX 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. My legal rights have been violated. 
Due to this violation this account must be removed from my credit report immediately.
Consumer complaint received 2023-01-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Applied Data Finance, LLC (FL)

Im getting calls at my work for a debt that supposedly my wife has. We already paid any debts through a debt consolidation company and have confirmed that the debt is taken care of. However this callers is informing me without confirmation or collecting any info and is calling daily even after I told him not to call my job both my wife and I have never used my jobs number for anything. The caller is telling us that the client is willing to settle the collecting with a payment {$400.00} and we have to act in the next three hours. I told him that he needed to call my wife and he said he already did and that he was going to tell the client that they needed to go ahead and do aggressive measures. The next day he said that he didnt say that and that we could make the payment.
Consumer complaint received 2023-06-23
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. (MS)

i have sent letters to the CRAs ( TRANSUNION, XXXX, AND XXXX ABOUT THE INACCURATE AND INCOMPLETE ITEMS BEING REPORTED ON MY CREDIT REPORT AND THEY HAVE NOT CORRECT THE PROBLEM, PER 15 USC 1681 STATES ALL INFORMATION HAS TO BE XXXX XXXX ACCURATE AND COMPLETE WHEN REPORTING, IF NOT HAS TO BE DELETED.I HAVE ATTACH COPIES BELOW
Consumer complaint received 2023-01-07
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. (NC)

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-07
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. (KY)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, and # 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.
Consumer complaint received 2023-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (LA)

XX/XX/2022 XXXX XXXX XXXX agreed to manually delete tradeline reporting from credit Reporting agencies XXXX and Equifax. On XXXX XXXX I checked to see if it has been deleted and it still shows on my report which is hindering me for applying for a vehicle.
Consumer complaint received 2023-01-07
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. (KY)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, and # 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.
Consumer complaint received 2017-05-08
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: Experian Information Solutions Inc. (CT)

I requested a copy of my credit report and spoke with a representative and inform the representative that there are a lot of inquiries on my credit report from the same company made within a month from each other and some inquiries made within the same day as fraudulent and I did not request any information from the companies that are showing up on my credit report, to no avail have the multiple inquiries been removed the credit bureau sent me an updated credit report with the same information I also spoke with a supervisor to no avail this situation is disheartening
Consumer complaint received 2019-10-18
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. (OH)

I am filing a complaint due to errors and fraud on my credit file. I recently was hospitalized for XXXX XXXX XXXX I was out of commission for 6 months bed rest. Someone has been using my ID and SS for accounts and loans. I was looking into doing a refinance on my home when I discovered that I had my information compromised. I have never lived in XXXX GA in my life. My name is XXXX XXXX please delete any other spelling of my name. Please remove the following names they are not mine name : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX The following addresses are not mine:XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX  CT XXXX, GA XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX, OH XXXX :
Consumer complaint received 2024-03-26
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. (TX)

I recently reviewed my credit report and noticed an account that was not reporting accurately, I had two missed payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been delinquent on payments i've attached a copy of my report to this complaint on the following dates XX/XX/XXXX and XX/XX/XXXX I'm now requesting you investigate and provide verifiable proof with records showing that I had late pavements. Please investigate the information and provide verifiable proof with records showing that my payments were late on. I demand that you remove this information from my credit report if it can not be verified without violating the following consumer rights : 15 U.S.Code 1666b, 15 U.S.Code 1681 section ( a ) & ( b ) - Permissible purposes of consumer reports, and 16 CFR Part 313 PRIVACY OF CONSUMER FINANCIAL INFORMATION.
Consumer complaint received 2023-02-13
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. (NV)

XXXX XXXX acct. # XXXX is reporting incorrectly and a duplicate account. This continuous and ongoing violation of the Fair Credit Reporting Act is causing me undue stress and a defamation of my character.
Consumer complaint received 2017-05-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Yesterday my credit report showed a hard inquiry for financing that I did not authorized. Contacting the financing company was impossible via phone call - so I left a message thru the " Contact us '' thru the website.   this is the company that reported a credit inquiry for financing that I did not authorize :  XXXX   XXXX   XXXX ,   XXXX   Finance Creditor Contact Details   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , MI  XXXX  (  XXXX  )  XXXX
Consumer complaint received 2024-03-26
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. (GA)

This bankruptcy report has been reporting inaccurately and is ruining my life. The name, the courthouse, the file number, the date : these are all inaccurate and must therefore must be removed from my report. Please help me and get this item off my file.
Consumer complaint received 2024-08-30
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. (NC)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXXXXXX Balance : {$870.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-11-28
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: Experian Information Solutions Inc. (TX)

Recently I have noticed some incorrect information on my credit report. I have reached out to Experian, XXXX, and XXXX for more information but sadly have not received any response at all. It has been more than 45 days since I originally wrote them.
Consumer complaint received 2022-10-22
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. (PA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-21
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. (MI)

I sent a letter last XX/XX/XXXXXXXX  to remove the listed items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-06
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Party Owed : XXXX Amount XXXX {$22000.00} I am disputing this claim due to : On XX/XX/XXXX a foreclosure hearing was held regarding property associated with mortgage loans with both XXXX XXXX and First Franklin . First Franklin the original holder of the mortgage was notified of said hearing. The outcome was a deficiency waiver. First Franklin did not establish any claim or defenses legal or equitable and no relief was granted. All those who may or may not have been entitled to claim through or under the title or interest is absolutely barred and forever foreclosed of any rights, titles or interests. No personal or deficiency judgment was demanded. I have emails and court documentation supporting both the court litigation and evidence that the lienholders were aware of the foreclosure proceedings prior to the date of the hearing. 

First Franklin subsequently filed an insurance claim with XXXX XXXX XXXX and were paid. XXXX then sold the account to XXXX. Because First Franklin was barred from any further collection of deficiency the order would follow the chain of sales of account. 

XXXX has misrepresented the purchase from XXXX account as a personal loan. I and no one I know or are aware of have signed or agreed to any contract with XXXX. XXXX has no rights of collection. XXXX provided undated faulty documentation in XXXX 2 years after the foreclosure for their assignment of debt from XXXX. 

XXXX also filed suit in Florida where I currently reside on XX/XX/XXXX. I provided 100 pages of supporting documentation to both the court and XXXX on XX/XX/XXXX. Notice of lack of prosecution and courts motion to dismiss the action was sent to XXXX on XXXXThis case was dismissed by XXXX XXXX Florida court on XX/XX/XXXX XXXX
Consumer complaint received 2020-01-06
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. (TX)

I have a fraudulent item on my credit file and the name of the creditor is XXXX XXXX XXXX XXXX and its has a grand total of XXXX and I discover the fraud on XX/XX/2020 and Im sending a police report and FTC to Equifax and this account is not mines and fraud ... and I already have a open dispute with Equifax