davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

XXXX XXXX XXXX XXXX XXXX had reported a payment late on my credit report for the month of XX/XX/2022. I set up two payments to be taken out of my account on XX/XX/XXXX and also XX/XX/2022. For some reason the company has failed to withdraw the funds from my account even though I had enough money in my account to cover the payments. I sent in proof from my bank on XX/XX/2022 which stated that XXXX XXXX XXXX XXXX failed to withdraw the funds from my account. I also sent in proof of my statement for the month of XXXX which shows that there was enough money in my account to pay for these payments. The credit card company XXXX XXXX XXXX XXXX still failed to update my credit report my payments should have went through but XXXX XXXX XXXX failed to take the funds even though they were in the account. My payments should have been paid since I had money in my account. They should not be reported late because the company failed to withdraw the funds that were there.
Consumer complaint received 2017-12-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (WA)

In the XXXX XXXX time frame, a U.S.-based major financial institution erroneously reported to one or more bureaus that I was dead. 

In XXXX and XXXX XXXX, I repeatedly called this bank 's revolving credit servicing center to object to this instance of credit reporting, and to question the account closing on that basis. 

A late charge was waived ; but in every phone call during XXXX and XXXX XXXX, the creditor continued to deal with me via the calling queue for decedent affairs. 

[ The same false instantiation of bureau reporting ( " XXXX '' ) also states : " Never late. '' ] The fact of this report appearing in the public sphere has caused eight months of financial adversity ( unemployment/underemployment, due to background checks asserting " candidate is XXXX '' ).
Consumer complaint received 2022-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

on XX/XX/2022 a letter was sent disputing the inaccurate and incomplete information on my consumer report I was never notified about the investigation see attachment
Consumer complaint received 2024-04-02
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (TX)

The company is ComenityCb/XXXX I paided this account in full XX/XX/XXXX {$75.00} total due on my statement. XX/XX/XXXX I received a bill from XXXX stating I owe {$14.00}. I call them and ask why Im I receiving a bill 3 months later, when I paided total amount due? The representative said that is Interest due, I said I dont have account with XXXX anymore I paid full amount due in XXXX. Now they are putting this on my credit as being late and adding late fees. This is so wrong after 3 months saying I owe interest fees why wasnt the interest added on my last balance? Will someone please help me?
Consumer complaint received 2022-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX XXXX XXXX XXXX had reported a payment late on my credit report for the month of XX/XX/2022. I set up two payments to be taken out of my account on XX/XX/XXXX and also XX/XX/2022. For some reason the company has failed to withdraw the funds from my account even though I had enough money in my account to cover the payments. I sent in proof from my bank on XX/XX/2022 which stated that XXXX XXXX XXXX XXXX failed to withdraw the funds from my account. I also sent in proof of my statement for the month of XXXX which shows that there was enough money in my account to pay for these payments. The credit card company XXXX XXXX XXXX XXXX still failed to update my credit report my payments should have went through but XXXX XXXX XXXX failed to take the funds even though they were in the account. My payments should have been paid since I had money in my account. They should not be reported late because the company failed to withdraw the funds that were there.
Consumer complaint received 2022-05-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (DE)

I had Federal Direct student loans with XXXX XXXX  XXXX. I have qualified for PSLF for 19 years. XXXX misled me on deference/forbearance/consolidation and lost many months I should have been eligible for qualifying payments. I have not heard from XXXX or XXXX XXXX about this legal situation. I now have all my Federal student loans with XXXX and updated my qualifying PSLF requirements. However, I believe that my student loan balance should be forgiven based on the new information discovered about XXXX business practices.
Consumer complaint received 2022-05-26
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

THESE FRAUDULENT ACCOUNTS ARE LISTED ON MY CONSUMER CREDIT REPORT AND I HAVE NEVER OPENED THESE ACCOUNTS. MY INFORMATION WAS USED IN A DATA BREACH BECAUSE I HAVE NO BUSINESS WITH THESE COMPANIES.
Consumer complaint received 2022-05-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: VYSTAR CREDIT UNION (FL)

Vystar Credit Union in the news for massive incompetence corruption has OUTRIGHT LIED to me about getting me my final balance from my account I closed with them. 

I was referred to one XXXX XXXX who does NOT answer his phone all week at the bank and XXXX XXXX who told me she was over-nighting my final check certified overnight -- it never arrive and XXXX XXXX never answered her phone again. 

Then I was told when that failed that they were wiring me the money -- - that never materialized either.
Consumer complaint received 2023-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance : {$77.00} XXXX XXXX Balance : {$470.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XX/XX/2022, I sent a dispute to all 3 credit reporting agencies. In accordance with the fair Credit Reporting Act The list of accounts below have violated my Federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account XXXX, 15 USC 1681 Section 602 A states I have a right to privacy. 15 USC 1681 Section 604 A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681 C ( a ) ( 5 ) they also violated my rights under 15 USC 1681 section 611 ( 2 ) ( a ) the law clearly states the credit bureaus have 5 days to notify me from they receives my disputes also violated my rights under 15 USC 1681 section 611 ( 5 ) ( a ) ( 1 ) ( ii ) the clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly detete the information from the file of the consumer.
Consumer complaint received 2022-05-26
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (CO)

Navient is contacting me too frequently : For the week of XXXX XXXX, in these 5 days, I received 22 calls from Navient. Before and since this week, there has been very little change in the frequency of these calls. They are always within the hours of XXXX, but they are very difficult to deal with and each call is usually followed by a voicemail. 

I also receive 5-10 emails per week about my loans from Navient, but half of these only say I have a notification or new balance, not many specifics. 

And I also receive between 10-15 postal letters each month from Navient. It does not matter if my loans are current or delinquent, the calls, emails and letters never decrease in frequency or volume. 

Thanks for your help.
Consumer complaint received 2022-05-26
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: EQUIFAX, INC. (NC)

The Credit Bureaus stated that my account was properly investigated but how if that possible if the open date is inaccurate, the date last active is inaccurate and date last reported is not accurate. This is grounds for removal and 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 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-05-26
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. (NC)

The Credit Bureaus stated that my account was properly investigated but how if that possible if the open date is inaccurate, the date last active is inaccurate and date last reported is not accurate. This is grounds for removal and 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 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

Equifax XXXX XXXX and XXXX still have not fixed the issues on my credit report my score was XXXX before they reported multiple inaccuracies on my report I have excellent payment history and I also have verification to prove they are not reporting accurate info this goes against Fcra guidelines and needs fixed XXXX XXXX is fraud needs deleted and removed from report XXXX XXXX payment history is on time and never missed Student loans are fraud and not mine needs deleted and removed form report ( Student loans have been on there over 7 years anyway ) have them remove it it goes against fcra guidelines XXXX is paid off account was never late once that is inaccurate Credit strong is excellent payment XXXXXXXX  is excellent payment And they did not report my account ( XXXX XXXX XXXX ) ( XXXX XXXX XXXX is not being reported which is an account I had for years ) I am a XXXX individual I do not appreciate the credit bureaus for how they have attacked me for the last year and I would appreciate if you also will help fix this situation I will be in touch with XXXX XXXX on this matter because what the credit bureaus have done is discriminatory and Im tired of being attacked
Consumer complaint received 2023-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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

XXXX XXXX, account number XXXX has 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 15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer agency may make any consumer report containing any of the following items of information, any other adverse of the information, other than records of convictions of crimes which antedates the report by more than 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 2017-07-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC (UT)

I received a collection notice from ERC dated  XXXX / XXXX / 17  in the amount of {$610.00}. I placed a call to ERC  XXXX / XXXX / 17  to make payment arrangements on the account. After I had discussed the payment arrangements, I then checked my credit report. The credit report verified that a Collection account from ERC was placed  XXXX /2017. The letter that I received from ERC dated  XXXX / XXXX / 17  was 30 days after the collection account was placed on my credit report, ERC did not notify me prior to placing a negative item on my credit report and did not allow the time to satisfy the account prior to reporting the collection account. ERC should allow 30 days notice to consumers before reporting negative items on credit reports. With the negative impact this account has had on my credit report, it will prevent Homeownership due to lower credit scores, it will also prevent employment opportunities that would allow for advancement to my career. This has a tremendous negative impact to many aspects of my life. I should have been give the opportunity to resolve the account with ERC prior to the negative reporting.
Consumer complaint received 2022-05-26
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

The credit reporting agencies are not in compliance with FCRA rules when investigating disputes. I am requesting a thorough investigation in a timely manner.
Consumer complaint received 2022-01-21
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: EQUIFAX, INC. (TX)

Hello, I hope this message finds you well. A couple of months I reviewed my credit profile and saw inaccurate information regarding an alleged INQUIRIES. Prior to submitting this complaint, I have sent over 3 letters to the Bureaus to have them send the proper validation of this alleged collection. I have even requested documents to be provided to prove that the payments were indeed in the INQUIRIES. However, all bureaus have avoided me. This makes me angry my consumer rights are being violated! I have the right to dispute any misleading information. I saw a ton of inaccuracies as well ( different open/close dates ). Doesn't this go against the FCRA Laws?
Consumer complaint received 2017-12-30
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 — Investigation took more than 30 days
Company: Innovis (NJ)

Innovis has been told several times that the XXXX account ending in XXXX was opened fraudulently. In spite of this, the company has reinstated the account on my report. However, the credit grantor has removed this account as fraud from my report. Innovis must not report any XXXX account opened in the date of XXXX XXXX. If innovis reports another XXXX account opened in XXXX XXXX, I will sue for violation to the Fair Credit Reporting Act.
Consumer complaint received 2022-05-26
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. (FL)

FCRA violations : accounts not mine XXXX XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid in settl XXXX XXXX XXXX 
Potentially negative Date opened XX/XX/XXXX XXXX - XXXX XXXX in settlement. {$24000.00} written off. 

FCRA violations : payments never late XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 

FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX type Apartment complex XXXX XXXX XXXX XXXX  XXXX, XXXX  XXXX XXXX type Single family XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Resident type XXXX complex XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX
Consumer complaint received 2022-05-26
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TN)

THESE FRAUDULENT ACCOUNTS ARE LISTED ON MY CONSUMER CREDIT REPORT AND I HAVE NEVER OPENED THESE ACCOUNTS. MY INFORMATION WAS USED IN A DATA BREACH BECAUSE I HAVE NO BUSINESS WITH THESE COMPANIES.
Consumer complaint received 2022-12-17
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. (IN)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$34000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$720.00} XXXX XXXX XXXX XXXX Balance : {$680.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

AFTER REQUESTING DOCUMENTS TO SHOW PROOF THESE ACCOUNTS BELONG TO ME. THE COMPANIES DID NOT SHOW SUCH PROOF. THEY ARE CONTINUING TO REPORT FRAUDULENT INFORMATION EVEN AFTER BEING NOTIFIED AND NOT SHOWING PROOF THESE ACCOUNTS BELONG TO ME.
Consumer complaint received 2023-10-16
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)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (FL)

Filled a dispute with XXXX  who stated it will remain on my credit even though it is 10 years old and also has wrong loan amount, wrong payment history and wrong highest balance. They refuse to remove the account as it has inaccurate information
Consumer complaint received 2022-05-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY (SC)

My ex-husband had a credit card with Wells Fargo that I did not know I was an authorized user on. Our divorce papers clearly state that he was responsible for all credit card debts, and was to remove me from all cards. He passed away, and Wells Fargo moved the card into my name. I have continually contacted Wells Fargo concerning this since XX/XX/2022. I was denied identity theft as of XX/XX/2022 ; which was what I was told to do first. I have been denied mediation as of a letter dated XX/XX/2022. I contacted Wells Fargo XX/XX/2022 and was told by the fraudulent claims department that it was still open for mediation and to contact them. I contacted meditation directly after and was told it is not open for mediation that it is open in fraudulent claims. I have tried diligently to find out how I was ever an authorized user, and have been told by Wells Fargo that it was automatic. I never had a card, never signed to be an authorized user, and never used this card. I would like this debt to be taken out of my name.