davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-05
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. (TX)

An account for XXXX XXXX with a balance of {$5000.00} is listed on my credit report as a charge off, but as you can see from the attached documents I was never late, and paid and closed it on XX/XX/2019. I've submitted proof of this to both XXXX XXXX and the three bureaus, but it has not been updated on my credit reports.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-03-05
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)

On XXXX XXXX, 2021, I opened a second dispute of XXXX XXXX withXX/XX/XXXX and Transunion. I submitted proof to XX/XX/XXXX that I sent a verification letter to XXXX XXXX and they did not respond within 30 days. XX/XX/XXXX notified me that their investigation was complete on XX/XX/2021 and the negative reporting of XXXX XXXX remains on my credit report.
Consumer complaint received 2021-03-04
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: CITIZENS FINANCIAL GROUP, INC. (MA)

Mortgage company ( citzens bank ) did not credit my mortgage payment, that I paid a few days earlier. I had proof and obviously they could see I paid on time. The problem was no one could help after multiple attempts to get someone help fix their mistake.

I finally got a hold of someone, who knew what the mistake was, unbeknownst to her, she did not understand why it happened. I finally was credited for the payment I did make on time.

Today I went in to check my Credit score And mortgage company had sent a missed payment on the mortgage that I had paid. I have bank statement showing no late payments. How do get this fixed Thank you XXXX XXXX
Consumer complaint received 2021-03-05
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. (TN)

On several occasions XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I have contacted XX/XX/XXXX TransUnion,XX/XX/XXXXand XXXX XXXX in regards to reporting inaccurate information. I included documentation where I do not have a bankruptcy and that XXXX XXXX has reported this without proper verification and stated that it was public information and that they received the information with the courts. I obtained a letter from that court and they stated that they did not provide any such information and provided me the letter verifying that they did not do so. I sent all the documentation in and all bureaus listed refuse to delete this off my credit report. I researched the laws and regulations and it states that in order for an account to be reported on a credit profile it must report 100 % accurate information or be deleted. The account number that is listed is invalid it is not an original account number and can not even be verified. the law states that the original account number must be provided and have no asterisks and anything inaccurate reporting. The account number has been compromised and is invalid. There is no way they have performed a proper investigation or they would have seen these errors. They have refused to delete it.
Consumer complaint received 2021-08-06
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. (FL)

There are 11 accts and 1 inquiry on my credit report that do not belong to me they are not mine in any sort of way I bave not used or knoq or signed for these accounts I need them off my credit asap!!!! 

Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Inquiry Creditor Name : XXXX XXXX  Inquiry Date : XX/XX/2020 Reason : I don't recognize this inquiry
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

The information reported in my credit reports contains inaccuracies that have misrepresented me to new creditors reviewing my credit applications.

These discrepancies in the reported data are causing confusion and contradictions. Consequently, I request the correction of these inaccuracies and the removal of the incorrect items from my credit reports.
Consumer complaint received 2021-03-05
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

I still have not seen results to an investigation into the items I believe to be inaccurate on my report. This is my THIRD complaint I have had to make about the lack of responses, the last complaint made I was told by the bureaus they would begin my investigation and send me results, I SITLL HAVE NOTHING, they are flat out LYING to me about my credit!! My first was made on XX/XX/2020 and was accompanied by a dispute submitted directly to XXXX, Experian and XXXX. While I understand that there is a pandemic which can cause delays, I have not received anything from them since my first dispute on XX/XX/2020. This is not a delay : this is negligence on the part of all 3 bureaus, enabled by the disastrous dismantling of regulation by you, the CFPB, in regard to the bureaus ' legal requirement to respond to a dispute within 30-45 days. There is no good faith effort by XXXX, Experian or XXXX  to resolve anything. I also know that there was data released showing a 550 % increase in complaints to the CFPB about this very issue compared to this time last year. XXXX, XXXX  and Experian must be held accountable and to the standards clearly outlined in the FCRA.
Consumer complaint received 2021-08-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

There are 11 accts and 1 inquiry on my credit report that do not belong to me they are not mine in any sort of way I bave not used or knoq or signed for these accounts I need them off my credit asap!!!! 

Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Inquiry Creditor Name : XXXX XXXX  Inquiry Date : XX/XX/2020 Reason : I don't recognize this inquiry
Consumer complaint received 2021-03-05
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 — Investigation took more than 30 days
Company: EVERBANK, NATIONAL ASSOCIATION (TN)

TIAA negligently, recklessly or intentionally misreported my account as being delinquent by 180 days when it was not at all. I have filed one complaint on this already. TIAA has lied about what they have done, and the errors on my credit report ( s ) have not been fixed ( as of today XX/XX/2021 ). WHILE ON THE PHONE WITH TIAA REPRESENTATIVES, THEY HAVE INDICATED THAT THEY HAVE HARMED OTHER OF THEIR BORROWERS IN THE SAME WAY.

TIAA may have acted alone or in concert with MyLoanCare, the new servicer.

TIAA 's actions have prevented me ( or have and are negatively affecting me in the following manner ) : 1 ) I am applying for jobs and they are pulling credit. My credit score has been decimated by the actions of TIAA and XXXX. 

2 ) My homeowner 's insurance rates are about to renew, and are based on my credit score. TIAA 's actions will materially and negatively affect my rates, costing me up to thousands of dollars.

3 ) Preventing me from refinancing at optimal rates. THIS IS BY DESIGN. TIAA and XXXX have acted in concert to DESTROY MY CREDIT SCORE SO I CAN NOT GET A SUPERIOR LOAN RATE WHEN THEY ARE AT HISTORIC LOWS.

3 ) A total waste of my time. I have spent no fewer than 12 hours on this at this point. TIAA 's ( and XXXX 's ) telephone and email systems are circuitous, and designed to intentionally frustrate customers from obtaining a resolution.
Consumer complaint received 2018-03-27
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. (SC)

Always paid bills on time had a couple payments sent back wasnt notified of going to be reported not once brought account current with discover next day get notified I was reported score dropped 80pts I  sighned up for a payment plan and auto draft also still didnt help get late payment off credit report. Please help thank you
Consumer complaint received 2021-03-05
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SLM CORPORATION (MD)

On XX/XX/XXXX I, XXXX XXXX, called Sallie Maes Customer service line because I never received a 1098-E form from the company. It is now two months past the XX/XX/XXXX deadline and I still have not received my tax documents to complete filing my taxes. The representatives on the phone only have said that there must have been a drastic technical error on your account and that is their only explanation for me not receiving my 1098-E form for XXXX. In a year where all citizens were harmed in some way by the pandemic this private loan services never once allowed for reduced or suspended payments and as a student I did not receive any forms of stimulus help. I was never once late on a student loan payment to Sallie Mae even during an unprecedented pandemic but Sallie Mae has failed to provide my federal tax documents in the required time period. Their actions are completely unacceptable and the company should face the proper consequences for their negligence.
Consumer complaint received 2021-03-05
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. This date is over 90 days I have not received a response yet. I feel like I'm being taken advantage of and my dispute has fallen on deaf ears. Section 611 ( a ), it plainly stated that a failure to investigate these items in 30 days gives a reason to immediately remove those items from my credit report it has been over 90 days so they should be deleted immediately be deleted I am demanding that these accounts deleted at once or I will file for litigations due to the stress you caused me. My information was also impacted by the XXXX data breach. and may have gotten in the hands of the wrong person.
Consumer complaint received 2021-03-05
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/XXXX and XX/XX/XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2022-10-31
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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 2021-03-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (FL)

On XX/XX/XXXX, I had a XXXX done at my doctor 's office. I followed up with my doctor 's office several times regarding the results. On approximately XX/XX/XXXX, my doctor 's office informed me that XXXX XXXX had lost the XXXX sample so they would be unable to provide the results to me. On approximately XX/XX/XXXX, I received a statement from my health insurance company XXXX XXXX XXXX XXXX stating they had denied a claim from XXXX XXXX for {$370.00} for service dated XX/XX/XXXX. I filed a request to XXXX XXXX for investigation of XXXX XXXX submitting a claim for services not performed. In XX/XX/XXXX, I started receiving bills from XXXX XXXX for {$370.00}. I called XXXX XXXX twice, once in XX/XX/XXXX and once in XXXX, contesting the bills and I told them that XXXX XXXX never provided the biopsy results to my doctor. An employee told me that XXXX XXXX sent the results to my doctor on XX/XX/XXXX, but my doctor 's office confirmed they never received the results. I asked the XXXX XXXX employee if they could send the results to me and he said yes. However, they never sent the results to me either. On XX/XX/XXXX I started getting collection notices from XXXXXXXX XXXX for the {$370.00}. I called on XX/XX/XXXX and an employee told me they would look into the matter with XXXX XXXX. There was no further response from them except for additional collection notices. On XX/XX/XXXX I received a notice from a new collection company, Credit Collection Services. I called on XX/XX/XXXX and spoke to an employee, who said they would mark my account as disputed. On XX/XX/XXXX, I received another letter from Credit Collection Services saying that they were going to report the balance on my credit report. On various dates in XX/XX/XXXX, I discovered that they had reported the {$370.00} as a collection item on my credit report. Prior to that, I had perfect credit all my life and my credit score was XXXX. Because of this fraudulent debt, my credit score has decreased to XXXX! I filed disputes with the credit bureaus XXXX, XXXX and XXXX. XXXX did an " investigation '', which consisted of basically asking XXXX XXXX if the balance was owed and they said yes, so XXXX informed me the item would not be removed from my credit report. I haven't received results from the XXXX or XXXX disputes yet, but I expect they will be the same, if all they do is contact XXXX XXXX and ask if the balance is owed. This is very unfair and XXXX XXXX should remove this fraudulent item from my credit. To this date, they have still not provided any results to me or my doctor 's office. It's not that I can't afford to pay {$370.00} ; it's just the principle of it. I refuse to pay {$370.00} for services that were never provided.
Consumer complaint received 2021-03-05
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: JPMORGAN CHASE & CO. (CA)

JP Morgan Chase reduced my credit card maximum amounts across all my lines of credit on XX/XX/2021. 

Each account was reduced to only {$300.00} above my balance due. My credit report has now been impacted, with my score dropping 10 points. I now have a 70 % utilization rate.
Consumer complaint received 2021-03-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Financial Resources, Inc. (MA)

Hello, Im shocked, surprised, stressed out both physically and mentally to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. I am really smart and demand all these documents or you will face an immediate lawsuit. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. 
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist. 
Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
Consumer complaint received 2022-10-31
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

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 2021-03-05
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 — Investigation took more than 30 days
Company: Bridgecrest Acceptance Corporation (NV)

I was in a car accident on XXXX hit from behind the insurance company and the gap insurance paid off my car loan with Bridgecrest long story short is my account is closed but bridgecrest give me an late payment on my credit report for XX/XX/2021 which has dropped my score on my credit and the credit bureaus is doing nothing to fix the problem