davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-29
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. (IL)

This is in regards to XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. I have sent mulitple letters to Transunion about these accounts. The last time I spoke with a manager/supervisor who told me what the problem was and what I needed to do to fix the issue. The letters I have now are proof that these accounts are inaccurate and should not be reported on my credit report at all. XXXX XXXX was deleted from XXXX because the account was opened under someone else. 's name. XXXX XXXX has asked for me to send information regarding to the fraudaluent charges which I have no issue with but Transunion needs to delete the account before proceeding. The proof that I sent to XXXX was enough to delete so I am not sure why Transunion is requiring me to go through hoops and hurdles when it is their responsibility to make sure that a consumers report is accurate. According to the FCRA ; ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. In refards to XXXX again according to the FCRA ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. With that being said the proof is that I have receipts, letters, emails, texts, etc that shows different amounts that I alleged owe. I am not sure how they came up with the amount they came up with but I know that it is incorrect. I owe nothing. The account should be closed with 100 % payment history in good standing. I never missed a payment and this is causing damage to my character which is a violation of the FCRA. There were no missed payments. Account was closed. Please fix proof attached. It is Transunions responsibility to make sure that everything is accurate before allowing it to be posted on a consumer 's profile. Seeing that dates and amount are listed on receipts, emails, etc please do your due diligence and fix account. XXXX ALSO NEEDS TO VALIDATE THE ACCOUNT AT THIS POINT. THESE ITEMS ARE INNACURATE, IT is a violation/ against the law to keep invalid information on a consumers report for any reason. The proof is here in the attachments. If more proof is needed, I can prove but these items are inaccurate and should not continue to be on my credit report.
Consumer complaint received 2023-02-03
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. (CA)

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 TransUnion credit bureau to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and delete : XXXX XXXXXXXX Date Opened : XX/XX/ Balance : {$0.00}
Consumer complaint received 2022-11-29
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: Experian Information Solutions Inc. (GA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-02-22
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. (OH)

XXXX XXXX XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-29
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. (GA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-11-29
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. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-11-29
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. (LA)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE
Consumer complaint received 2022-11-29
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. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-11-29
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: DISCOVER BANK (NC)

In accordance with the Fair Credit Reporting Act the following companies XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX have violated my rights. 

15 U.S.C 1681 section 602A states I have the right to privacy.

15 U.S.C 1681 Section 604A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-11-29
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. (NC)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2023-06-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc. (DC)

I recently discovered, through my credit reports, that Eastern Account System, located at XXXX XXXX XXXX, XXXX, CT XXXX fraudulently reported to the credit bureau that I owed it {$220.00} on behalf of XXXX XXXX XXXX ( Cable/Cellular ). 

I have never done any business with Eastern Account System, XXXX XXXX XXXX, or any Connecticut corporation. I do not have any cable service and my cellular service is through XXXX which my account has never been in default and is up to date. The supposed account that Eastern Account System alleges is pure FRAUD. Nevertheless, they reported to the credit bureaus that I have an account that is in collections. 

I disputed the fraudulent information with all three of the bureaus, and two of them found that the account was indeed fraud. As such, they deleted it from my report. The third, XXXX, indicated that they reached out to the company who allegedly verified the debt. Rather than remove the false report, they merely noted ( in the comments section ) that I disputed the account I have reached out to Eastern Account Systems numerous times in an attempt to learn more about this supposed account. They do not answer the phone or call me back. Additionally, I have never been contacted by Eastern Account Systems or XXXX XXXX XXXX regarding any open accounts in my name, any bills due, or any collection attempts. 

Again, I have never done ANY business with either of these companies and they should not be reporting fraudulent accounts/collection attempts to the credit bureaus. 

Please fine both Eastern Account Systems and XXXX XXXX XXXX for their blatant fraud.
Consumer complaint received 2022-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2018-10-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (NH)

This is in response to XXXX XXXX pathetic attempt at dealing with my complaint. their response to my cfpb complaint is a true example of exactly how inept this company is. They didn't response to even a single complaint I have. Their response is useless so I will try again until they actually do something. 

I submitted multiple requests via phone and email about an issue regarding reapplying for income based repayment plans. I spoke with someone over the phone who couldn't solve my problem so I requested he tell his manager I wanted someone who can help me to contact me directly. To be safe I also  emailed XXXX XXXX twice and have the emails stating they received my email requests. I did not hear back and so decided to complain to XXXX. After not getting any response back on that it was clear that XXXX XXXX   doesn't care about their loan holders in the least bit and contact with them is impossible. Finally after having to complain to XXXX, I got a letter stating to expect a letter regarding my issue as well as a contact person who would be able to help. Its awful that I had to complain to XXXX to get even a poor response. The letter they sent was full of blatant lies and did not address my concerns. I also was not given a name of a person in the letter and there was no contact information of who I could respond to. There is no way for me to respond!!!! I complained to Federal Student Aid who emailed me tonight stating my case was closed to and to expect their actual response in the mail in 10 days. I have since filed another complaint since they are ignoring my complaints and not responding in an appropriate or efficient manner. XXXX XXXX is impossible to get responses from despite repeated requests for direct contact. They never respond and their only responses have been now and in the past blatant lies without any accountability for their inept service. I feel as though my financial future is not in safe hands and is in danger. I would like to request my loan servicer be changed to one of my choosing. If this can't be done I would request that legal action be taken against XXXX XXXX for documented lies in their responses and blatantly ignoring my repeated requests for help.
Consumer complaint received 2022-11-29
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (IL)

XXXX XXXX XXXX  was the date SYNCB/TJX CO appeared on my credit report along with XXXX charges ( per conversation with XXXX customer service rep on XX/XX/2022 ). I never applied for this card. Reported it on the XX/XX/XXXX to XXXX XXXX Customer support letting them know I did NOT apply for this card and I have never applied for a store credit card with that company. Spoke with credit restoration specialist on XX/XX/2022 ( from XXXX ) as well as discussed case with SYNCB/TJX CO to dispute and remove from credit report. So contacted XXXX and XXXX to report and placed security freeze on all three credit reporting accounts. SYNCB/TJX CO to delete card and take action on their end to investigate ( per conversation on the phone with them and XXXX Credit restoration specialist ) on XX/XX/2022.
Consumer complaint received 2023-06-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Lendmark Financial Services (MD)

MY complaint or request is to Lendmark Financial, who i've been making my car payments to the past year. 

From time to time during the payment process and as recorded on the monthly statements, the interest payment amount has been recorded very low. This has happened several times duran the 12 month payment period. 

See attached : THe XX/XX/XXXX statement shows the paid Interest amount as : {$330.00} - with the Principle amount being only : {$13.00} I've reported previously about how Lendmark Financial ignores the contract or payment document that sets the first payment being XX/XX/XXXX, but instead reports the first payment to the credit bureaus as XX/XX/XXXX. They also report for both XXXX and XX/XX/XXXX showing the amount due for those amounts, but nothing recorded as paid for those two months. This of course caused my credit score to drop over XXXX, because the credit reporting is showing the first two months ( XXXX ) as missed with payments starting only for XX/XX/XXXX. 

Lendmark refused to correct that wrongful credit reporting that cripples my credit reporting by pushing my score below XXXX. 

Now they continue to wrongfully record the amount that should be recorded on my account, it seems to further cripple my credit score
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: Possible Financial Inc (GA)

Follow up to CFPB complaint # XXXX. Documents requested from complaint # XXXX are attached. This account is not mine. 

I have never lived in South Carolina. 

In accordance with the fair credit reporting act ( FCRA ), this account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Consumer complaint received 2023-07-16
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 AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2022-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I have been disputing these items on my report that I don't recognize, I don't have any dealings with them so this time I'm seeking help from the FTC to get these things removed from my credit report. This is now being investigated by the FTC so I hope the credit bureau would also cooperate.
Consumer complaint received 2023-06-03
Product: Credit card or prepaid card — General-purpose credit card or charge 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: BARCLAYS BANK DELAWARE (HI)

This compliant involves Barclay Bank US and XXXX XXXX. 


I am a XXXX XXXX  XXXX XXXX XXXX XXXX I purchase for an airline ticket from XXXX XXXX. I paid in full for an airline ticket from the merchant XXXX XXXX using my XXXX XXXX XXXXXXXX Miles XXXX on XX/XX/XXXX  I have been receiving back charges and duplicate amounts for various amounts from XXXX XXXX since then, some of the charges have been refunded but they continue to be imposed on my credit card even after being resolved initially. 

The original charge was under the merchant XXXX XXXX on XX/XX/XXXX 

The following are some of the recharged and duplicate amounts and the dates they were charged. 

XXXX XXXX recharged XX/XX/XXXX original charge XX/XX/XXXX  XXXX was reversed on XX/XX/. 

XXXX XXXX recharged XX/XX/XXXX   original charge XX/XX/XXXX   Charge was reversed on XX/XX/XXXX  XXXX XXXX XXXX charged on XX/XX/XXXX  XXXX XXXX. XXXX charged on XX/XX/XXXX  XXXX XXXX XXXX charged on XX/XX/XXXX   XXXX XXXX. XXXX charged on XX/XX/XXXX  XXXX XXXX XXXX charged on XX/XX/XXXX  XXXX XXXX XXXX charged on XX/XX/ recharged XX/XX/XXXX  and XX/XX/XXXX   I have tried to reach out to Barclay Bank US and XXXX XXXX XXXX order to resolve the charge backs and excessive charges but both parties have not responded. I contacted both parties via email, phone calls, live chats, and letters but neither Barclay Bank US or XXXX XXXX have reached out to me to resolve the issue. Barclay Bank US continues to rebill the charges from XXXX XXXX even after refunding them. Efforts to contact continue to remained unsolved while hundreds of dollars of charge back have been incurred.
Consumer complaint received 2023-08-28
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: Westlake Services, LLC (GA)

I was unaware of us auto sales selling they're loans to another company due to them going out of business and was not made aware of how to continue paying off my auto loan and was unable to get information from us auto sales. My truck was just repossessed by the new company Westlake financial and this is the first I've heard of said company owning my truck now.
Consumer complaint received 2022-12-22
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. (GA)

In accordance with the Fair Credit Reporting act, the following accounts has violated my rights : 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 XXXXXXXX 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 2022-11-29
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: Experian Information Solutions Inc. (FL)

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

XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Opened XXXX XXXX has violated my rights. 

15 US.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 man seven veers 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 15 U.S.C. 1681 section 611 ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be INACCURATE or INCOMPLETE or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.