davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

XXXX XXXX should be deleted off of my credit report with ALL 3 credit bureaus. I have a credit override statement from them. That they sent the reporting agencies. However, it still reminds on my credit report.
Consumer complaint received 2020-01-08
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 hope you're all doing great. I'll be straight, I need these following accounts to be investigated as they seemed to be either INACCURATE, INCORRECT, and UNKNOWN to me within my knowledge. I have listed the wrongs I have noticed below. 
Ive actually tried again and again to make sense of what Im seeing. Unfortunately, I cant make heads or tails of this and need your help. Ive found multiple inaccuracies and Im aware that your job is to ensure the accuracy of my credit report. If you would, please investigate these items and send me a new credit report reflecting the changes. I would appreciate it if youd expedite this because I need to apply for a job.
Consumer complaint received 2022-12-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (NC)

I have been getting charged {$35.00} up to 3 times a day because they take so long for pending transactions to clear. This is ridiculous. Once my direct deposit hits my account its already gone and I have no choice but overdraft my account. And they will pay small amounts like {$10.00} and charged me {$35.00}.
Consumer complaint received 2022-12-26
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. (CA)

Unverified fraudulent accounts still remain on my report. Please send 609 FCRA requirements to verify these with original contracts or remove due to identify theft. FTC report attached. 

These are violations also of section 1681 of the US code. 


* Account : XXXX XXXX * Source of dispute information : accounts * account : XXXX * Amount {$5000.00} * Dates associated with item being disputed : XX/XX/2019 * Account : XXXX XXXX XXXX  * Source of dispute information : account * account : XXXX * Amount {$22000.00} * Dates associated with item being disputed : XX/XX/2019 XXXX
Consumer complaint received 2022-12-26
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: Experian Information Solutions Inc. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2022-12-26
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. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2019-02-14
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: Experian Information Solutions Inc. (AL)

I have contacted each credit agency with regards to the XXXX account. I have informed them that this account does not belong to me. However, they continue to report this account on my credit file. Please assist me in getting this matter resolved. 

Incorrect Personal Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There are several inquiries that are reporting that does not belong to me : XXXX   XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX AXXXX XXXX XXXX XXXX XXXX  XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX  CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/AXXXX XXXX/XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-02-14
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. (AL)

I have contacted each credit agency with regards to the XXXX account. I have informed them that this account does not belong to me. However, they continue to report this account on my credit file. Please assist me in getting this matter resolved. 

Incorrect Personal Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There are several inquiries that are reporting that does not belong to me : XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-27
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 — Investigation took more than 30 days
Company: Mercedes Benz Financial Services (VA)

XX/XX/2022, payment of {$710.00}. Reported as a 30 days past due. 

This is my first time requesting the 30 days past due to be removed in my XXXX, XXXX XXXX, and XXXX Credit Bureau Report. It was my oversight that I did not pay on time due to illness and not opening the mails. My payment are up to date and I pay the past due amount. I would appreciate it tremendously if to consider my request. As of today, I am up to date with my payments, and I will be carefully attentive to my bills. 
Thank you so much for your consideration to this matter. 
Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2020-01-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (MA)

Midland is reporting in my credit file however it is inaccurate because it was said to be late yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account came from but they failed to provide me so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.
Consumer complaint received 2021-09-07
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: Navient Solutions, LLC. (GA)

Dept. of Ed/Navient is reporting unverified student loan accounts on my credit report. I initially contacted them, in writing ( see Attachments ), and requested proof ( documents bearing my signature ), that the accounts belonged to me because I have not personally not conducted any business with any of the parties involved in this debt, and know this debt does not belong to me. 
Navient responded to my request for a signature bearing document with a letter ( See attachments ) stating they no longer service the loan and that it was being serviced by another company called Default Services Group. When I contacted the Default Resources group to try and resolve the issue they referred me to a debt collection company called XXXX XXXX XXXX. I have attempted to contact XXXX XXXX XXXX but as of yet have not received a response. 
Information reported by the 3 major Credit Bureaus in regards to the accounts on my credit file vary greatly from one agency to the next and makes it very difficult to trust the validity and accuracy of the information provided by the Dept. of Ed/Navient, and the three credit reporting agencies. ( XXXX, XXXX, and XXXX ) Case in point my credit reports from XXXX, XXXX, and XXXX shows the payment history of the Dept. of Ed/Navient accounts going from being OK to being 90 days late from XXXX. This is also the period of time where the account was being handled by a Default Services Group ( since XXXX ), and/or XXXX XXXX XXXX, and was no longer being serviced by Dept. of Ed/Navient ( see Attachments ). Also the dates and amounts reported to the 3 Credit Bureaus vary depending on which agency is reporting. 
This serves as proof the information being reported on my credit report is not accurate nor is being properly verified and the law is very clear on this matter and states that information reported on a credit report MUST be ACCURATE. In this case the information is not. Yet these unverified accounts remain on my credit report in violation of both the FCRA ( Fair Credit Reporting Act ). 
All of these discrepancies serve as proof the information being reported on my credit report is not accurate, nor is it being properly verified by in accordance with the law and needs to be removed. By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. The practices of the aforementioned companies are highly predatory and violate the FCRA ( Fair Credit Reporting Act ).
Consumer complaint received 2022-12-27
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: SYNCHRONY FINANCIAL (SC)

In accordance with the fair credit reporting act, SYNCB/ASHHOMXXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX, # XXXX, # XXXX has violated my rights. 15 u.s.c 1681 section 602 I have the right to privacy. 15 u.s.c. 1681 Section 604 Section 2 states a consumer reporting agency can not furnish an account without instructions.
Consumer complaint received 2020-12-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I don't believe that I had this account with these collectors/creditors. I tried a few times to get in contact with them and request ownership proof, but they failed to give me the important paperwork to prove that I actually own this record.
Consumer complaint received 2018-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC. (FL)

On XX/XX/2017 I have a letter from XXXX XXXX XXXX that account was paid and settled with a XXXX balance. Stating account was satisfied with no further obligation on this XXXX account
Consumer complaint received 2022-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NC)

I have complained about this issue for several months to Equifax and they refuse to correct the issue. I have properly followed the steps in both written disputes and I hand telephoned equifax multiple times for this ongoing fault of equifax where their online app will not allow me to retrieve my credit report score. 

Review the document attached, and you will clearly see where Equifax states again and again and again that it is temporary unable to provide my credit score. 

This has unchanged for several Months and I am advising Equifax that they are officially on notice that they are violating my rights and if it is not corrected swiftly that I will sue Equifax for violating my rights for several months without any corrections of this complaint whatsoever during those months of filing disputes, not one time has it properly provided my credit score to me. 

You are on notice.
Consumer complaint received 2019-02-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc. (GA)

In XX/XX/2018, I purchased a XXXX XXXX XXXX from van from XXXX XXXX XXXX in XXXX, Georgia. I could not get a state ID, having merely my military documents. 
They sat the payments back two months and charged me an awful interest rate for the first couple of payments. Then a month ago they started calling a friend 's cell phone without his permission or mine. This has taken a toll on the respect and concern from my friend who helps me get to doctor appointments and groceries and other things like that. They took away the one thing that I need. A helper! And I am legally XXXX and live in a remote area. He does not, nor I have to put up with this.. I need them to understand that the disrespect of privacy laws doesn't only hurt them legally, but it also hurts those who are victims of their failure to comply with federal mandates. I no longer need the van since I don't have a driver. they can not keep calling a third party without MY permission.
Consumer complaint received 2022-12-27
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have been a member with XXXX  since XX/XX/XXXX they recently switched to XXXX during the summer of XXXX. I was giving a notification of XXXX hours to deploy in XXXX in support of XXXX and XXXX conflict. When I reach my destination, I had no internet or phone access. I was not able to make payments and I didn't have access to the XXXX credit card at all. In XXXX if XXXX when I did get limited internet access, I checked my credit score to find out that XXXX reported 2 late payments. I paid the credit card off immediately. This situation was not on my control and is affecting my credit score and my ability to purchase a home. Service members should be protected while XXXX and serving their country. I sent XXXX a good will letter in XXXX when I returned from my XXXX along with a copy of my orders to try and resolve this issue.
Consumer complaint received 2022-12-27
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)

XXXX XXXX XXXX XX/XX/XXXX now updated XX/XX/XXXX ) {$510.00}. XXXX XXXX XXXX XXXX XX/XX/XXXX now updated XX/XX/XXXX ) {$610.00} XXXX  XXXX XXXX XX/XX/XXXX now updated XX/XX/XXXX ) {$0.00XXXX XXXX XXXX ( XX/XX/XXXX now updated XX/XX/XXXX ) {$440.00} XXXX XXXXXXXX XXXX XXXX ( XX/XX/XXXX now XXXX XX/XX/XXXX ) {$0.00} XXXX XXXXXXXX XXXX XXXX ( XX/XX/XXXX now XXXX XX/XX/XXXX ) {$0.00} And my personal information updated XX/XX/XXXX I contacted all ( TransUnion, XXXX, XXXX ) to update my information and a complaint of identity theft as well as an police Report is on file my personal information was breached and misused. And how these agencies verified information with the wrong personal information ( address, name, birthday, No ssn, No work history, as well as the address to these accounts.
Consumer complaint received 2022-12-27
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. (AL)

I have two unrecognizable inquiries from XXXX  XXXX XXXX business side that arent attached to anything and they are holding my profile back. I also have an unrecognizable inquiry under XXXX XXXX which I have no clue of what it is.
Consumer complaint received 2020-01-08
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. (GA)

I began to review my credit earlier this year and noticed several inaccuracies. Out of an abundance of concern, I requested that VALIDATION in accordance to the Fair Debt Collection Practices Act be provided to me timely for my personal and legal review. However, after two separate requests made timely for this, the company has failed to provide me with this validation. The company not only denies me of my rights as a consumer under this act, they also continue to employ illegal practices, reporting tactics to bureaus, and harassment methods via phone and letter. 

Additionally, I have contacted the bankruptcy court that the respective credit bureau is advising verified this information as belonging to me and my file. However, upon response, the bankruptcy court advised that this ABSOLUTELY FALSE, and they do not provide, share, or report bankruptcy case filing data to credit reporting agencies, nor do we update information directly to the credit bureaus. THIS BUREAU HAS OUTRIGHT LIED ACCORDING TO THE DOCUMENTATION PROVIDED TO ME.
Consumer complaint received 2022-12-27
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. (TN)

Hard enquiries on my credit report, XXXX ( XXXX ) to be exact. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Hard enquiries on XXXX that need removed are the following XXXX Bank XXXX XXXX XXXX Bank XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. In accordance with the Fair Credit Reporting act. The list above has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 15 U.S.C 1681 section 602A. Statesi have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : 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 otheradverseitem of information, other than records of convictions of crimes whichantedates thereportby more than seven ( 7 ) 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 2022-12-27
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (FL)

Opened a Citi Bank checking account and debit card in XX/XX/2022 under XXXX XXXX XXXX. The reward is {$500.00}. 
The fourth week of XX/XX/2022 I called. The representative said this problem would be resolved in 3 to 5 business days. I called today XX/XX/2022 ... the Representative said it would be 30 more business days. 
The reward should have been posted to my account in XXXX XXXX. 
My wife opened the same type of account at the same time and received her rewards in a timely fashion. 

I find this unacceptable and would like Citi Bank to honor their contract.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

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. 

Account Name : XXXX XXXX XXXX  Account XXXX Account Name XXXX XXXX XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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 2022-12-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have repeatedly attempted to get bankruptcy information removed from my consumer account. 
I have spoken with the bankruptcy clerk and I was informed that they DO NOT per the Privacy Act of 1974 provide information to third party creditors at all!! I did not give written or verbal authority to report this personal information to my consumer report. According to Law, I need these and all Bankruptcy Reports removed from my consumer account within 4 days.