davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-29
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. (AL)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate and the account in question is XXXX XXXX. 

On XX/XX/XXXX I spoke with XXXX XXXX ( Executive Office of Customer Advocacy  ) to discuss the accuracy of reporting using their system generated data being reported to your computer data. 

He advised that according to XXXX, Equifax, and XXXX  the discharge date of the bankruptcy filed XX/XX/XXXX was discharged XX/XX/XXXX in which this is where XXXX got their information from. In addition, he also advised that the first date of delinquency was XX/XX/XXXX and was reported 60 days late on XX/XX/XXXX. According to XXXX, the first date of delinquency is XX/XX/XXXX and there was a balance of {$1600.00} which is not indicated on either report. 

Why is there not a payment history for Equifax or XXXX  to reflect the reporting and why was the payment history removed? As there is no uniformity or consistency amongst the reporting. 

Please send me copies of the documents that you have in each of my files for XXXX, Equifax, and XXXX. files as of this date that you used to verify the accuracy of the accounts listed below. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified using the E-Oscar system. Send me copies of the documents that you have in your files that were used to verify them.

If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.

Please provide me with a copy of an updated and corrected credit report showing these items removed.
Consumer complaint received 2016-08-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Manhattan Beach Venture, LLC (IL)

I received a text from a colleague at work from facebook link about student loan forgiveness. I told her that it is a hoax. She stated it is legitimate. It says that Obama to forgive {$7.00} XXXX dollars of Student Loan debt. The number is XXXX. I called it the first time and a voice message said to call back, lines were busy. I called back and spoke with a XXXX XXXX at the Student Loan Relief Dept. Her number is XXXX. I gave her my personal information, address, phone number, ss #. XXXX stated that if I qualify my federal loans could be reduced. She asked where I worked, my income. She also asked if I had any children. I told her that I did not. She also asked if I help any of my family members. I said yes, when I have money. I will try and help out. I still told her that this sounds too good to be true. This is not legitimate. She said that they work with the Department of Education. I said how is that possible. This is not accurate. She proceeded to inform me that I qualify for the forgiveness loan and that my monthly payment would reduce to {$20.00} per month for 20 years and the balance would be forgiven. She also proceeded to say that there is a fee to be paid of {$1300.00} and in some cases the fee is {$1900.00}. XXXX had put me on hold for several minutes. I had a bad feeling. She returned stating that she need to get some water. I listened. Then she asked me that I would have to pay the fees. I continued on and he requested my bank card. I provided her the number and something felt not right. I searched this third party company. It is Manhattan Beach Venture , LLC in XXXX, California. There were horrible reviews about what they really do. They take advantage of people. I opened my account to see a {$.00} withdrawal from my bank account after she said that my first payment will start at the end of XXXX, 2016. I called my bank from my home phone while she was on my cell phone. I told the representative what was going on, I immediately asked her to cancel my bank card. She did and noted my account. I have a new card now. But XXXX still has my information. I also called the FBI and reported it. They took my information and provided me with the FTC 's number. That is why I want this to be investigated. I told XXXX that my social security number has been exposed after I signed these documents. Her reply states that it is only exposed on my document which did not make sense because she already had my social security number. She continued to say that she has helped alot of students with huge loans. She stated that if I did not believe her that I can contact her boss. His name is XXXX. His number is XXXX. I did not call the number.
Consumer complaint received 2022-12-07
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe hasbeen taken care of due to the written appeals I sent but no response was ever received from them to date.Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states thatcontinued reports of unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and needto update and corrected immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : -
Consumer complaint received 2022-11-29
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. (AL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXXXXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX  XXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$200.00} XXXX XXXX  XXXX Balance : {$960.00} XXXX XXXX XXXX XXXX Balance : {$810.00} XXXX  XXXX  XX/XX/XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$140.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-12-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (CA)

At the time I was applying for a mortgage so I called all my credit cards to get an updated balance on my credit report showing a lower balance amount. 
On XX/XX/2022, I made a payment to Citibank XXXX XXXX credit card in the amount of {$1500.00} my credit limit at the time was {$3400.00}. When calling Citibank I explained the situation to three reps two of which were overseas and had no idea what I was talking about when asking for a credit update. 

I finally spoke to someone in the United States explained my situation and she said the department will send an email to the credit reporting department and my report should be updated. Well that didn't happen. I received an email next day XX/XX/2022 saying my credit limit has been decreased to {$2000.00} which made my new available balance {$420.00} and not {$1800.00}. My original plan was to make two payments in the span of two days. So I basically just wasted {$1500.00} and right before XXXX. 

This was not what I asked for! The reps were no help and told me I had to wait when they were the ones who messed up. They even tried to say it was because of my credit, I told them nothing has changed since applying with them and on my report. I could've kept my money had I known I would be screwed like this especially with it being the holidays and my daughter 's birthday. I couldn't even complete getting my daughter 's presents because of this. I didn't have this issue with XXXX XXXX or XXXX banks! Now I regret opening an account with Citibank after this mishap.
Consumer complaint received 2017-07-17
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. (NC)

I was informed by my credit reporting agency that I have negative reporting on my credit report dated for the month of  XX/XX/XXXX   XX/XX/XXXX  and XX/XX/XXXX  from   XXXX   XXXX   XXXX   it showed that i had missed payments / late payment made on my account and it was reported to the credit reporting agencies showing an negative impact on my credit I have contacted   XXXX   XXXX   XXXX   on numerous occasions trying to get this problem resolved on my credit report I have finally sent them copies of thier own records showing my payment were made on time but they have not yet responded back or reported my payments were made on time i have been corresponding back and forth with   XXXX   XXXX   XXXX   but they just keep giving me the rum around over and over.
Consumer complaint received 2023-05-15
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. (NC)

Experian is reporting inaccurate and unverifiable information and has affected my lively hood. Because of this, I have been denied jobs, housing, and credit lines. Below I have attached a screenshot of the accounts that are inaccurately reporting per consumer protection law.
Consumer complaint received 2023-08-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Conn's, Inc. (TX)

ON XXXX CONN CREDIT I, XXXX. CALLED MY PHONE NUMBER XXXX ASKING TO SPEAK WITH XXXX. I INSTRUCTED THEM TO STOP CALLING ME, THAT THIS PHONE NUMBER IS REGISTERED ON THE DNC REGISTRY AND HAS BEEN MY PHONE NUMBER FOR OVER 5 YEARS NOW. I ASKED FOR THEIR ADDRESS, AS IT IS MY RIGHT TO SEND THEM A DISPUTE LETTER IN THE MAIL AND THE AGENT REFUSED TO GIVE ME THEIR ADDRESS. THEIR AGENT TOLD ME IT WOULD TAKE UP TO 24 HOURS FOR THE CALLS TO STOP AND THAT I WOULD NOT BE CALLED AGAIN BECAUSE THEY MADE CONTACT WITH ME. THE USED AN ATDS TO PLACE CALLS TO ME. THIS IS ILLEGAL. THEY DID NOT GIVE ME THEIR LEGAL ENTITY NAME. THEY TOLD ME THEY WERE CALLING FOR CONNS XXXX, BUT CONNS XXXX SOLD OR ASSIGNED THE CONTRACT TO CONN CREDIT I, XXXX. I DISPUTE THIS DEBT, CONDUCT AN INVESTIGATION AND SEND ME RESULTS OF THE INVESTIGATION.
Consumer complaint received 2023-07-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

Capital One sent my a prequalified offer for a credit card. I used the pre-qualified offer and opened an account. I was given a {$2000.00} credit line and sent a card. I was using the card and paying it off once the charge posted. I never once was late on a payment and I never put more than {$600.00} on the account. Capital one suddenly closed my account and gave me very vague information as to what effected their decision to close my account. nothing new had come up on my credit report since I opened the account besides the hard inquiry from Capital One themselves. They had the option to first not send me a pre-qualified offer and secondly to not open an account. I now have another closed account on my credit report because of Capital One and don't have a clue as to why they actually closed the account. I spoke to Capital One customer service to inquire about my account being closed and they refused to provide any information and refused to let me dispute the closing of my account. The account was opened in XXXX of 2023, I was never late on my payments and was never over my credit limit and payed my account off early. My account was closed in XXXX of 2023. That also when I spoke to customer service. My account currently has a XXXX balance.
Consumer complaint received 2017-03-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I have several creditors who pulled my credit report without my permission. TransUnion wants me to approach the creditors and get permission to remove the hard inquiries. There are even some companies that have ran multiple inquiries.Transunion is also asking for a personal statement to remove the hard inquiry. There is no process to remove fraudulent hard inquiry on credit report on their website or by phone call. Spoke with customer service and supervisor at TransUnion, they will not provide evidence that the creditor pulled my credit report legitimately or had permission. This is double standard. They are asking me to do the legwork of contacting creditor and getting a letter but they will not do the investigation themselves nor provide evidence that the creditor pulled my credit report legitimately. I need help with removing the hard inquiries on my credit report with TransUnion. I do not feel that I should have to contact creditor, get a letter, do the investigation and waste my time when I did n't authorize it in the first place. THE FCRA STATES THAT ANY DATA ON YOUR CREDIT FILE THAT IS NOT VERIFIABLE IS NOT FACT AND SHOULD E DELETED ASAP Thanking You
Consumer complaint received 2022-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I placed several account disputes with Experian, XXXX, and XXXX  related to an incorrect account reporting on my Experian and XXXX credit file. 

Experian and XXXX is stating they have verified the information and no changing can be made, which is totally false. 

XXXX is stating they do not even show this account that is reporting. 

Experian shows the account from XXXX XXXX XXXX XXXX acct # XXXX as open on XX/XX/XXXX with a balance of {$2300.00} but a orginal balance of {$2000.00} I had all of my student loans consolidated with XXXX XX/XX/XXXX for the following loans account numbers and amounts for a grand total of {$9000.00} XX/XX/XXXX : {$3600.00} XX/XX/XXXX : {$2300.00} XX/XX/XXXX : {$1800.00} XX/XX/XXXX : {$1100.00} It appears loan # XX/XX/XXXX did not update or reflect to show such as it is still showing open and late on my credit reports and Experian and XXXX refuses XXXX do their job to correct this.
Consumer complaint received 2022-12-21
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. (MD)

The following accounts are incorrect and are adversely affecting my livelihood. 

XXXX XXXX late payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (VA)

When I opened my account around XXXX I can not recall having to pay a service fee. Since the recent problems that have occurred at Wells Fargo, I am being charged a service fee of XXXXXXXX XXXX. It was about a XXXX XXXX ago when I first noticed this, I was not notified about any fees being collected. I called about this once and the fee was taken off, but that only lasted for that XXXX time. It has come to my attention that maybe the fee will help offset some of the settlement funding that is needed. Please I need answers because I dont think this is fair.
Consumer complaint received 2022-12-21
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. (MS)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account 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 account need to investigate and updated for erroneous reporting in my file is listed on my credit report : XXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2022-12-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

This is my second-time requesting 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-03-30
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/XXXX, XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2022-12-21
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: Experian Information Solutions Inc. (CA)

I sent a letter on XX/XX/2022, to remove 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 XXXX business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX .... Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX .... Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX .... 
Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$1600.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$480.00}
Consumer complaint received 2022-12-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I've talked to the bank & they've agreed to remove the account. BUT TransUnion has some internal block which they're claiming they can use to not block the account because they feel they're above the law. When questioned why they're not accepting the Identiy Theft report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Identiy Theft report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 
Seems like a lot of passing the buck or no accountability. Whatever the reason, I'm beyond annoyed. The account listed below were opened due to identity theft. I've provided you ( CFPB ) & TRANSUNION with an affidavit & FTC fraudulent report to support my position. It seems TRANSUNION is violating FCRA sections 611, 616 & 617. They have provided XXXX VERIFIABLE PROOF & I feel are willful non complying and being truly negligent. I'd like this account blocked or removed based on 605b. This is my final request before I get my attorney involved because this matter has been creating an insane amount of emotional & physical distress. It's caused me restless nights & has caused me to miss work. My attorney told me I should just sue for violations in FCRA laws. I'd prefer to NOT get litigious. Please see this matter is handled. I'd like the account removed/blocked per 605b with the attached documents again... Thanks XXXX XXXX XXXX XXXX Date Opened : XX/XX/2015 Balance : {$1000.00}
Consumer complaint received 2023-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: SLM CORPORATION (FL)

Hello, I received a settlement offer from Sallie Mae. They said that they will accept {$7300.00} as a settlement. Sallie Mae said that once they received the final payment, they would forgive the remaining current balance and the loans be considered settled. 

I accepted the offer, saved up and made the full payment. It has now been over 2 months, and Sallie Mae is still not reflecting on my account of settled. 

Please please please assist. It is ruining my credit profile. 

I have letters from them and a receipt showing that I paid the amount agreed, if needed.