davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MD)

USAA allowed XXXX to contine to submit a request for payment an excessive amount of times and even XXXX XXXX XXXX XXXX XXXX, inwhichn i incurred an overdraft fee of XXXX x XXXX. Occuring a charge of XXXX. This is excessive and unnecessary and I would like to have this refunded to me. As a ruslut, I have closed my account with USAA.
Consumer complaint received 2023-03-08
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. (FL)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX MORTGAGE SER  XXXX EQUIFAX MORTGAGE SERVI XXXX EQUIFAX MTG XXXX
Consumer complaint received 2022-10-17
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. (AR)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX 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 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

The information reported in my credit reports contains inaccuracies that have misrepresented me to new creditors reviewing my credit applications. 
These discrepancies in the reported data are causing confusion and contradictions. Consequently, I request the correction of these inaccuracies and the removal of the incorrect items from my credit reports.
Consumer complaint received 2023-03-08
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. (UT)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-24
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. (IL)

I have not giving anyone consumer reporting agencys written instruction to use my information or to add the deragotory Items to my credit report. 
15 U.S Code 1681b permissible purposes of consumer reports
Consumer complaint received 2023-03-08
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. (VA)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely repaired : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-28
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. (OH)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 2023-03-08
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. (TX)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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
Consumer complaint received 2023-02-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) Dont have any idea of this not looking for a car In accordance with the Fair Credit Reporting act XXXX  Account # 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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-02-24
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)

XXXX XXXX XXXX AMOUNT DUE {$420.00} OPENED XX/XX/2021 XXXXXXXX XXXX AMOUNT DUE {$3100.00} OPENED XXXX XXXX, 2021 THESE ACCOUNTS WERE NOT OPENED BY ME
Consumer complaint received 2019-12-02
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. (NY)

XXXX is erroneously showing a charge off balance on my experian credit report starting onXX/XX/XXXX. This account was closed back in XX/XX/XXXX when I had to claim the {$8700.00} on my income tax as income written off and closed. My FICO score dropped for no reason. My current address should be listed as XXXX XXXX XXXX. I have been a homw owner at the address sincen XX/XX/XXXX. I havent lived at XXXX XXXX XXXX since XX/XX/XXXX. This needs to be corrected in experians credir report. XXXX and expreian not be resurfacing old debts from the dead. I have leased a XXXX XXXX XXXX since XX/XX/XXXX with an excellent payment history.
Consumer complaint received 2019-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I have tried to fix this problem with XXXX XXXX, Equifax and XXXX  on XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019, and XX/XX/2019. 
My credit scores dropped form XXXX to XXXX from both XXXX  and Equifax  with no explanation. They continued with these egrigous errors to the current with my credit scores erroneously down 100 points. XXXX XXXX offers no intelligent explanation on their report. The report does show that I have zero negative items and 100 % payment history.
Consumer complaint received 2020-02-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

Bank of America closed our two BofA credit cards without notice on or about XX/XX/XXXX. 

My husband and I have been Bank of America customers since XX/XX/XXXX - going on 36 years. The credit cards that they closed were opened in XX/XX/XXXX and XX/XX/XXXX, so the credit card accounts were 35 and 30 years old,  respectively. Both of our credit scores are in the 830s out of an XXXX scale. But closing out {$25000.00} of total credit on two 30+ year-old accounts will eventually have a significantly negative effect on our credit profile. 

BofA claims the reason the credit cards were closed is that I did not respond with information requested in a letter they claim they sent us. We have no recollection of receiving a letter. BofA also froze our checking account over this same issue. 

Once this freeze was discovered, I immediately called in on XX/XX/XXXX and answered four questions over the phone, and the checking account was immediately unfrozen. Below is the information they asked for over the phone, which is pretty basic and which was already available to them, but which they claim led to the credit card accounts being closed : * SSN * Address * Date of birth * Are you a US citizen ( yes ) That's it. No other information was needed to unfreeze the checking account. But the credit cards remain closed and BofA refuses to reopen them, with their stated reason being we did not timely respond to the information requested. They claim they can not reopen a credit card account once it is closed. Incredible. 

This is not how Bank of America should be treating long-time customers in good standing.
Consumer complaint received 2023-03-08
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. (IL)

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : 1 have the right to privacy and I did not give Equifax written permission to furnish these accounts listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-08
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. (MD)

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 XXXXXXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$860.00}
Consumer complaint received 2023-03-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (VA)

I paid the loan off in good faith in XXXX, XXXX in the amount of {$36000.00}, disputing the usurious interest attached to my loan. Despite paying this {$36000.00} amount, the sale and resale of my loan, accruing interest with each sale, has my loan at the present amount of over {$100000.00}. 
The table below outlines the loan activity over the years. I utilized each lenders documentation to devise this table : Statement Date Lender Amount Owed Amount Paid APR Notes XX/XX/XXXX XXXX {$34000.00} 9 % First known student loan statement XXXX XXXX {$44000.00} 9 % Consolidated loans XXXX XXXX XXXX {$61000.00} 9 % XXXX purchased loan from XXXX XXXX XXXX XXXX {$56000.00} 9 % Balance decreased for reasons unknown XX/XX/XXXXXXXX XXXX XXXX {$36000.00} Disputed accrued interest, issued {$36000.00} payment, lenders allowed interest to accrue XXXX XXXX {$64000.00} 9 % XXXX purchased loan from XXXX XX/XX/XXXXXXXX XXXX/Nelnet {$64000.00} 9 % USA Funds sold loan to XXXX Finance, Nelnet XX/XX/XXXXXXXX XXXX/Nelnet {$85.00}, XXXX 9 % Incredible ! 
XX/XX/XXXX XXXX/Nelnet {$87000.00} 9 % XX/XX/XXXX Fed Loan Servicing {$89000.00} 9 % Fed Loan Servicing assumed loan from XXXX/Nelnet XX/XX/XXXX Fed Loan Servicing {$98000.00} 9 % XX/XX/XXXX XXXX XXXXXXXX XXXX {$98000.00} 9 % XXXX Nelnet {$98000.00} 9 % Nelnet assumed loan servicing XXXX Nelnet {$110.00} XXXX XXXX 9 % Incredible XXXX
Consumer complaint received 2022-12-19
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. (IN)

Experian, XXXX, XXXX Are reporting inaccurate information on my consumer credit file. With companies as per late payments 15 usc 1681 A602 15 usc 1681 604 A 15 usc 1666 B 15 usc 1635
Consumer complaint received 2022-04-19
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. (TN)

I have attempted to have Equifax, twice in the past, remove a XXXX account ( # XXXX ) that belongs to my dead father in the case of a mixed file. The two most recent letters are attached. I just got off the phone once again and was told they were powerless to remove accounts even if the account did not belong to me even though Equifax only needs to pick up the phone and call XXXX to confirm it is my dead father 's account and that he died back in XXXX XXXX, 2021.
Consumer complaint received 2018-06-13
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (TX)

As a result of hurricane Harvey in XXXX of XXXX my home was flooded. I received a FEMA check of {$93000.00} made payable to me and XXXX XXXX company. My home repairs were 100 % completed in XXXX, XXXX. XXXXXXXX XXXX home inspector approved the repairs. XXXX 's financial interest is secured and I am entitled to the return of my insurance settlement. After months of delays the Loss Draft department finally approved the disbursement of my funds on XX/XX/XXXX. On XX/XX/XXXX they rejected my claim, again. The reason given was that the amount of my insurance check is " too big '' and they were going to " delay '' disbursing my funds until the Loss Draft manager can do another " review ''. 
Trying to reason with the people at XXXXXXXX XXXX Loss Draft has been frustrating and unproductive. I need assistance in recovering my insurance settlement. I am also filing complaints with other state and federal agencies.
Consumer complaint received 2023-05-11
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Account Date of service XX/XX/XXXX reflecting on TransUnion consumer report on the amount of {$19000.00} with Date open on XX/XX/XXXX date from delinquency is 10 months past collections after 60 day never received validation of debt or made aware of the account placed in collections once I reached out there text with serval attempts to settle for less than {$4000.00} without cellular phone consent to text me regarding this account once I investigate the allegations I was made aware that account was pif to original creditor and submitted proof of the explanation of benefits in writing to TransUnion to support that account was pif I then received update on XX/XX/XXXX that this account was closed however balance owed still reflecting but with a different amount of {$17000.00} so I proceeded to contact TransUnion to dispute account for balance owed to reflect XXXX on XX/XX/XXXX I then check the status of the dispute and I was informed that that the information was accurate by customer service member named XXXX then inquire about whom the investigation had taken place with I was then transferred and informed by XXXX whom stated on a recorded line that she was the supervisor and that the collections agency which the account was closed in XX/XX/XXXX confirmed the information was accurate which is a violation of the FDCPA I also received a letter from TransUnion stating that there was no credit history report found and to provide further information to XXXX address that is not listed XXXX XXXX report which is 8n violation of compliance and false information regarding my report and dispute request I have supporting documents to validate everything in this summary of events to be true and I also was informed by XXXX that I will need a subpoena in order to pull all calls in reference to this situation which is violation unable to give any legal advice for assistance. There is also an account that has been PIF and is reporting to my CBR 5 TIMES which I have the EOB from insurance company that this ambulance and hospital bill is in fact PIF
Consumer complaint received 2019-12-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Systems International, Inc. (TX)

I have been disputing this for the past 8 months. Not one time has this company provided me with any type of information to verify this debt as belonging to me. They have stated in the disputes that they will provide the information. However they still have not. I filed a complaint most recently with the CFPB on XX/XX/XXXX complaint ID XXXX and the company responded again saying they will provide me with information. Again they have not. This is far past the time frame by law that this company has to respond and Im not sure why they are continued to behave this way and not remove this from my credit report. It is clear they can not provide this any type of information. Im hoping this will be the last dispute.
Consumer complaint received 2021-12-27
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion
Consumer complaint received 2023-02-24
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)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

This occurred on XX/XX/XXXX for the amount of {$48.00}. 

I submitted the payment through the automated service but didn't receive a confirmation number, I am now being advised that the payment has been marked late.