davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-25
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: EQUIFAX, INC. (NV)

EQUIFAX refused to update my account with XXXX XXXX. I sent them a 1099 c form and told Equifax the debt has been canceled by XXXX XXXX. They forgave the debt. While I still have to pay taxes to the IRS on this debt, I no longer owe XXXX XXXX. 

I submitted the documents to Equifax on XXXX that XXXX XXXX sent that clearly says THIS DEBT IS CANCELED. 

Equifax said they did an investigation and contact XXXX XXXX  who claimed nothing changed and did not change it to a XXXX balance. XXXX. 

If XXXX told them that I still owe them then the 1099. c form is fraud. I uploaded the 1099 c form to all 3 credit reporting agencies, XXXX Exquifax and XXXX XXXX. 

The only one who agree to the change was XXXX XXXX. While they did not remove the it off their credit report, at lease XXXX XXXX honestly looked at the 1099 C form from XXXX Bank and agreed I no longer owe this debt per XXXX XXXX. In turn, XXXX XXXX rightfully shows a XXXX balance owing to XXXX, while in XXXX and Equifax. deny I don't owe and left the balance unchanged. 

XXXX and Equifax told me to contact the XXXX and ask them for proof. I did contact them after I recieved the 1099 c form and the agent said I do not owe XXXX  it was forgiven, it was canceled as stated on the 1099 c form. The only reporting agency who is reading it correctly and making the proper changes is XXXX XXXX. 

Leaving me with an outstanding balance to XXXX by XXXX and Equifax is misleading to consumers who check my credit and kinda fraudulent and unfair
Consumer complaint received 2022-04-22
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 item listed below has violated my rights. 

INQUIRIES : 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 XXXXXXXX -Untitled XXXX XXXXl Subject has not XXXX XXXX., Collection/Chargeoff, Collection } XXXX -XXXX XXXX  XXXX 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 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MO)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2019-12-11
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. (SC)

XXXX XXXX is reporting an erroneous late in XX/XX/2019. They closed the account because I was inaccurately reporting as deceased for some time when it was my husband who passed away. I attempted to call them to pay and was declined and told I couldn't pay it, the account then went past due and was closed immediately after. I spoke to them about it and they gave me a new card and account number but this one is still reporting on my credit. The late was erroneous and not my fault and I need it removed.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (TX)

I CHECKED MY CREDIT REPORT ON XX/XX/year> TO MAKE SURE EVERYTHING WAS CORRECT AS I HADNT CHECKED IT IN A WHILE AND I NOTICED THAT THERE WAS SERVERAL ACCOUNTS THAT WERE NOT MINE ALONG WITH MY STUDENT LOANS BEING REPORTED LATE FOR SEVERAL YEARS, WHEN THEY WERE ON A FORBEARANCE PLAN AND SHOULDNT HAVE BEEN LATE AT ALL. I SINCE HAVE BEEN IN SERIOUS DISTRESS AND I CANT QUALIFY FOR MY HOME.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXhas violated my federally protected consumer rights to privacy and confidentiality under 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 2023-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX  XXXX  data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$140.00} XXXX XXXX Balance : {$130.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX  XXXX Balance : {$600.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$5300.00} 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 2024-02-21
Product: Credit reporting 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)

I ask the credit bureau to do a verification on my credit report and they did.They stated that it was accurate and I did a thorough research myself and found improper inaccuracies on my report after the verification. 

In accordance to the XXXX XXXX XXXX XXXX Account has violated my rights. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX states that I have the right to privacy. XXXX XXXX XXXX XXXX XXXX XXXX it also states a consumer agency can not furnish an account without my written instructions.
Consumer complaint received 2023-03-07
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: TMX Finance LLC (GA)

I am writing to file a complaint against TitleMax, a title pawn company operating in Georgia, for violating state and federal laws related to title pawn transactions. Specifically, I have discovered that someone other than the title pawn issuer, XXXX XXXX, has signed the written agreement for my title pawn transaction, on XX/XX/2022, with TitleMax ( parent company TMX, LLC ), which is a violation of Georgia law ( O.C.G.A. 44-14-410 ). 

This discovery has raised concerns that the transaction may be invalid and unenforceable, which could put me at risk of losing my collateral or facing other legal consequences. Despite my attempts to resolve this issue with TitleMax, they have refused to address my concerns or take any corrective action. I believe this is because TitleMax knew or should have known, prior to XX/XX/2022 that XXXX XXXX did not possess the required license to issue title pawns, without the supervision of a licensed broker. 

As a consumer, I believe that I have a right to fair and transparent financial services, and I am disappointed that TitleMax has failed to meet these basic standards. I am also concerned that other consumers may be similarly affected by TitleMax 's illegal and unethical practices. 

Therefore, I request that the Consumer Financial Protection investigate TitleMax 's business practices and take appropriate enforcement action, including imposing fines and penalties and requiring TitleMax to provide monetary restitution.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (IL)

The attached and enclosed inquiries were not authorized by me. If I must pursue further, I will be forced to file an FTC report. It is clearly a mistake and even a violation to attached unauthorized inquiries to my credit report. These must be removed immediately
Consumer complaint received 2019-12-11
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

A person from the number XXXX called me today at XXXX Eastern Time, and said their name was XXXX XXXX, and freely rattled off the last 4 of my Social Security number and my name as if it were not a protected number. I asked for the name of this person's company, and they initially refused to give this information: it was not until I pressed this person calling me about what company they represented that I was told that they were from XXXX XXXX. I explained that any part of my Social Security number is issued by the United States Government, and should not just be rattled off at the beginning of any conversation, and used as a way to traumatize or intimidate someone. Also this person XXXX XXXX had no problem continuing with the conversation by freely rattling off my date of birth, which should also be protected information, almost as a way to torment or taunt me that she has this personal identity information. This is dangerous business practices and abuse of my personal information, and if they're doing this to me, they are doing this to other people; please help. Thank you.  XXXX XXXX
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (DE)

Called customer service of company that I am not the sole owner of the account since I am a users of the card only and that the owner had removed me from his account. Which the representative had confirm that he had removed my name and I am not responsible for payment and they can't give me any information on balance. It should take about 60days from removal to post is what they said. It's been 6 months and every time I call they keep saying the same thing. I had filed an dispute and mailed an request for my removal of credit report.
Consumer complaint received 2019-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (SC)

XXXX XXXX with account balances $XXXX and $XXXX are reporting collections in violation of my 30 day right to dispute. I was never given any notice of these collections and only became aware of them when I checked my credit. This is in violation and they need to be removed.
Consumer complaint received 2019-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (SC)

XXXX XXXX with account balances $XXXX and $XXXX are reporting collections in violation of my 30 day right to dispute. I was never given any notice of these collections and only became aware of them when I checked my credit. This is in violation and they need to be removed.
Consumer complaint received 2020-10-06
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIFTH THIRD FINANCIAL CORPORATION (TN)

A transaction posted that was cancelled. I have documentation from the vendor. Also, there are 2 fees being charged that should not be charged because they were charged on pending transaction that have not posted to the account.
Consumer complaint received 2019-12-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100% accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.
Consumer complaint received 2019-12-11
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. (CO)

XXXX  and Experian are reporting incorrectly a collection/charge-off in the amount of $XXXX on XXXX/XXXX XXXX – account number XXXX.  (Please see page attached from my credit report.)  I cancelled this account and returned the equipment.  Even after the account had been closed, XXXX was continuing to charge this account for out-of-country calls that were never connected.  Every month the total charges due on the account continued to get larger and larger.  I contacted XXXX  to assist me in settling the balance.  One representative told me they would accept a settlement amount of $XXXX.  I had a payment drafted and ready to go.  When I confirmed this settlement offer, I was told by another representative that the company cannot honor a lowered payment.  As I continued to try and resolve this issue I was informed by yet another representative that they never received the equipment I had returned so consequently I was still being charged on a closed account.  I asked every representative I spoke with if they were referring back to the notes from my numerous phone calls prior and every representative responded that they were in fact reading the notes as well as logging in the new notes.  I find this difficult to believe because there were so many conversations and each representative informed me of something different each time.  I have been trying to resolve this issue for months and have not been able to make any headway.  The account balance is incorrect and this false reporting of a collection/charge-off is seriously harming my credit score.  This line item needs to be removed from my credit report.  I have contacted the (2) bureaus to remove this however, I have not been successful.
Consumer complaint received 2023-05-24
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)

According to the Fair Credit Reporting Act 15 USC1681 section 602 a states " 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. '' XXXX and Transunion LLC are consumer reporting agencies and I am the XXXX. 

Any and all consent to XXXX, Transunion, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of informationto credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission.
Consumer complaint received 2022-04-22
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: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XX/XX/2021 -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -Untitled { Medical Subject has not satisfied debt., Collection/Chargeoff, Collection } 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 an account without my written instructions.
Consumer complaint received 2019-12-11
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (PA)

My insurance has paid this collection, and it was never ever supposed to be on my credit. I was in a car   accident and all of this was taken care of by my insurance, this debt is reporting a balance, and they have been trying to call me and threaten me into paying, when the account was satisfied in full by my insurance! Everyone has been paid, are they trying to get paid twice for the same debt? is that legal? I believe you are supposed to determine that, please help me, I am trying to become a first time homeowner and this is the only thing that is stopping me from achieving my dreams! Please let justice reign supreme and HELP ME! This must be unjust enrichment and a breach of contract as well no? How many other people has this company enriched themselves off of, what if I had payed them without checking with my insurance first, would I have ever gotten my money back or would they have kept it as their own money, which it would not have been! if this company was nearly this successful with me, how many other consumers have they done this to?
Consumer complaint received 2019-12-02
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. (NJ)

I sent 3 letters asking to verify erroneous accounts. One in XX/XX/2019, XX/XX/XXXX and again XX/XX/2019 I requested a copy of paperwork Transunion viewed and what the bureau had on file to confirm the validity of investigation.As my right according to section 609 ( 1 ) a of the FCRA. Never received anything close to what I asked for. Those erroneous.and unconfirmed accounts should be deleted for not complying with my legal request.
Consumer complaint received 2023-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am submitting a complaint to you today to inform and notify you that I am a victim of Identity theft. There are accounts in my file that are erroneous and must be blocked or removed, I have already sent the required and necessary files to the FEDERAL TRADE COMMISSION or https : //www.ftc.gov so please block these accounts : XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX Balance {$6000.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX Balance {$3400.00} XXXX XXXX XXXX XXXX Balance {$6000.00} XXXX XXXX XXXX XXXX  Balance {$3400.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance {$6000.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance {$3400.00}
Consumer complaint received 2023-02-25
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)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States Have the right to privacy. 

15 U.S.C 1681 section 604 A section 2 : It also states a Consumer Agency can not furnish a account without my written instructions.