davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-22
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I sent a letter to XXXX, Transunion, and XXXX on XX/XX/2022. It has been over 30 days, I still haven't recieved anything back. 

According to 15 USC 1681i ( a ) ( 1 ) ( A ) XXXX, Transunion, and XXXX have 30 days to respond to my dispute. 

This is a violation of my rights.
Consumer complaint received 2022-11-22
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 — Was not notified of investigation status or results
Company: Experian Information Solutions 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 60days. 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
Consumer complaint received 2017-10-27
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: Bread Financial Holdings, Inc. (NC)

There is an XXXX hard inquiry on my credit report dated XXXX XXXX. I do not recognize this inquiry nor have had my credit checked during that time frame. This has been recorded without my consent or knowledge. I am willing to provide any proof that this should not be present on my credit report. Thank you in advance for your review.
Consumer complaint received 2022-11-22
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. (TX)

I wrote you a letter of dispute asking you to take down the false accounts and information on my credit report. When I checked my credit report, I saw that there were a lot of illegal requests on there as well as some inaccurate account and information reporting. I'm able to tell that these accounts were opened using my stolen identity. I formally reported this to the FTC with XXXX XXXX XXXX as a consequence. I have incorporated that report into this complaint in compliance with the guidelines of FCRA Section 605B ( 15 U.S.C. 1681c-2 ). To accordance with the law, kindly delete these entries from my credit report as soon as feasible ( i.e., 4 days ). Let me know if you need anything else, please. The following list of accounts and data should be deleted right away : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. If you believe these items to be correct, kindly give me copies of your verification and ownership documents. Please remove the disputed items right away if you are unable to locate any documentation to prove the claims that they belong to me.
Consumer complaint received 2023-05-26
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)

Due to the financial effects of the XXXX pandemic in XXXX, I was could not continue making the lease payments and I voluntarily surrendered a XXXX XXXX  at the XXXX dealership where I acquired the vehicle. The vehicle was accepted by the dealership and proceeded to sell the vehicle. 
XXXX XXXX XXXX obtained a judgement against me on XX/XX/XXXX for {$13000.00} for what I believe to be the balance of the lease payments. 
XXXX XXXX XXXX has been reporting missed payments and increasing the balance due each month to the credit reporting agencies the entire time. 
This week on XX/XX/XXXX, my credit score suddenly dropped 45-65 points across all 3 credit bureaus despite the judgement being assigned by the court over 1 year ago.

My disputes with all 3 credit reporting agencies have not resolved the matter on my credit report and my credit scores remain 45-65 points lower than they were on XX/XX/XXXX.
Consumer complaint received 2019-07-11
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (TX)

I went into a Wells Fargo branch due to fraud charges on my account. On XX/XX/XXXX They told me they will refund me all the fees and chargers on the account. I get an email notification my new card was shipped on. On XX/XX/XXXX I get an email saying my new card has shipped. On XX/XX/XXXX I get an email saying the account has been closed. I call in an was told because my account was negative for so long it had been closed for XXXX. They person from the claims missed a transaction and it was closed due the negative balance. I had this account for almost 20 yrs I told them and no one told me when I was in the branch I needed to make a deposit. The rep I spoke to told me to call XXXX. I call them I explain to the rep what happened. She said the account is closed they no longer offer my type account. I told her I would like to speak to someone who can look in to this further and help me. She says nothing can do once account is closed if I would like to speak to fraud claims dept for the missed transaction I told her no I want to speak to someone who can look in to this clear it up. I shouldnt have to speak to bunch of different departments then she says she will file a complaint gives me a claim number of XXXX and tells me someone should call me. This should never happen. They explain this to me as if I was work for Wells Fargo and know all the different departments and what they handle. I told her I am a customer not a Wells Fargo employee.
Consumer complaint received 2017-10-27
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (MO)

Please be advised that i am disputing this collection due to the fact that credit collection services XXXX XXXX XXXX XXXX, MA XXXX Does not have a current license is missouri to collect on debts. This information is stating that their license is forfeited according to the secretary of state missouri. I am requesting that you investigate this matter and delete this account from my credit file immediately or provide me with physical proof that Credit Collection services are licensed to collect in missouri. Your response is greatly appreciated.
Consumer complaint received 2017-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NC)

There is an Equifax hard inquiry on my credit report dated XXXX XXXX. I do not recognize this inquiry nor have had my credit checked during that quarter. This has been recorded without my consent or knowledge. I am willing to provide any proof that this should not be present on my credit report. Thank you in advance for your review.
Consumer complaint received 2022-11-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I wrote you a letter of dispute asking you to take down the false accounts and information on my credit report. When I checked my credit report, I saw that there were a lot of illegal requests on there as well as some inaccurate account and information reporting. I'm able to tell that these accounts were opened using my stolen identity. I formally reported this to the FTC with XXXX XXXX XXXX as a consequence. I have incorporated that report into this complaint in compliance with the guidelines of FCRA Section 605B ( 15 U.S.C. 1681c-2 ). To accordance with the law, kindly delete these entries from my credit report as soon as feasible ( i.e., 4 days ). Let me know if you need anything else, please. The following list of accounts and data should be deleted right away : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. If you believe these items to be correct, kindly give me copies of your verification and ownership documents. Please remove the disputed items right away if you are unable to locate any documentation to prove the claims that they belong to me.
Consumer complaint received 2022-11-22
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. (VA)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX and XXXX XXXX XXXX have 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 an account without my written instructions.
Consumer complaint received 2022-11-22
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. (NJ)

I submitted a letter to the 3 Credit Bureaus on XX/XX/XXXX, to discard this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please remove these immediately : XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

On XX/XX/22 I noticed accounts from XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX were on my file. I have not extended credit to any of these places. This is identity theft. I filed a report and notified the credit bureaus and the secondary reporting agencies. From what I understand, the consumer reporting agencies and secondary agencies must remove these accounts within 4 days. It has been more than 4 business days. Also I know that no account can be put on my credit report without my written permission. I didnt give written permission. I require that these accounts be removed immediately.
Consumer complaint received 2023-05-26
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. (FL)

When I reviewed my credit report. I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), It is not authorized to fail to validated this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-22
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. (IL)

I believe FCRA 605B necessitates the removal of any inaccurate accounts from my credit report. Would you mind verifying the documents? There are discrepancies in some of the listed accounts regarding their reporting.
Consumer complaint received 2023-01-11
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. (CA)

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

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

XXXX XXXX XXXX Open Date XX/XX/2016 Balance : {$0.00} 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 an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NV)

I am requesting that you please delete the inquiries listed here from my credit report. I have not authorized any of the companies listed to view my credit information, and so their inquiries are in violation of the Fair Credit Reporting Act, Section 1681b ( c ). I would appreciate if you could remove them immediately. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-11-23
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. (FL)

I've noticed that there's XXXX closed account & XXXX inquires on my credit profile that i dont reconize & its false information that isnt mine & never gave written or verbal consent for TransUnion to furnish and its affecting my way of living due to non approval & defamation of character!
Consumer complaint received 2023-01-31
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. (CA)

When I reinvestigated my credit report, I realized that some of the information was still erroneous. I've complained about this matter in my previous letter It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXXXXXX Balance : {$8900.00}
Consumer complaint received 2023-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX  According to FCRA 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. This account is inaccurate information on my credit report that needs to be removed.
Consumer complaint received 2022-11-23
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: DISCOVER BANK (NY)

Discover Bank services my student loan, this is continuation of my complaint filed on XX/XX/XXXX. Discover has remediated by account based on a Consent Order by the CFPB where they are identified as the Respondent. 

Respondent failed to take proper steps to identify the loan account as belonging to an Affected Consumer and remediate it under Consent Orders Consent Orders XXXX CFPB XXXX and XXXX until XX/XX/XXXX. On XX/XX/XXXX with a {$17.00} credit as a result the Respondent is operating in a space where they are out of their depth. Under the Consent Orders, Affected Consumers consumers potentially impacted by a Consent Order Violation means an act, or omission that was not in compliance with the XXXX Consent Order, while still effect or a Migration Issue means any student loan servicing error arising from the Migration impacted student loan borrowers or cosigners. Respondent is out of their depth with regard to : complying with Consent Orders XXXX CFPB XXXX and XXXX was already in violation of XXXX Consent Order. 
The Compliance Plan approved by the CFPB and implemented has failed as evidenced by their attempt to remediate this account almost two years after the XXXX Consent Order. 
I filed a CFPB complaint on XX/XX/XXXX regarding the increasing interest rate, no one offered help, alarming total payments made {$22000.00}, principal {$640000.00} and interest XXXX. I have made at close to more than144 payments since origination with XXXX and payment started late XXXX or XXXX. I recently paid {$2400.00} which I could not afford. 
Over the years, I had no access to how much I have already paid on the loan because Respondents representatives could not give that information when I asked. This was a XXXX because they did not want you to have access to information showing that you have overpaid the loan. Now, it appears on the statement. 

I have XXXX confidence that as a now identified Affected Consumer that they have serviced this account correctly. I am sinking my credit in attempt to get away from 15.125 %. At two years past the last Consent Order and violation, their approved Compliance plan did not work. 




I in no way should be made to be pay for the continued lack of the compliance and sill that they lack as evidenced in their continued failures in the student loan servicing field. 
I have zero confidence that as a now identified Affected Consumer that they have serviced this account correctly.
Consumer complaint received 2022-11-23
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Confusing or missing disclosures — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

On XX/XX/22 I deposited a check for $ XXXX the actual bank in XXXX XXXX Wa XXXX I was given the bank receipt where it states {$5300.00} will be available on XX/XX/22 & {$2500.00} on XX/XX/22. XXXX funds have been released so I called the bank again and now am being told no fees are scheduled to be released in till XX/XX/22. This is an extreme hardship for me as each day moves forward. I have spoken to XXXX who wrote the check to me and they said this is very uncommon as they write checks daily and have never had this issue. There is no hold on their end is what he has explained to us. So why the funds are not being released is concerning and very frustrating. There is no compassion whatsoever. Its endless waiting on hold while they pass me from one department to another. Very unprofessional.