davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (MD)

My personal loan with XXXX XXXX went to collections with them for falling behind in my payments. However, when I tried to make payment, I was told I could not make payments and would have to wait until the collection agency called to make payments. Months went by and I was never informed of how to may payments. 

I called them twice and spoke to the collections department. On a recorded line, I was advised that I would be provided information on how to submit payments. This never occured. My credit report keeps having negative remarks every Month. This account has been paid in full. I have tried to resolve this matter over and over, and they have the recorded conversations to prove.
Consumer complaint received 2020-01-15
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: AES/PHEAA (SC)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2020-03-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

There are several inquiries on my report that I did not manually create nor authorized. Under the FCRA they must be removed if no evidence has been provided. I have demanded they be removed immediately since they were made without my permission.
Consumer complaint received 2020-01-15
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: CREDIT ACCEPTANCE CORPORATION (SC)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to  the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2023-05-01
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. (SC)

Dear Credit Reporting Agency, I am writing to dispute the accuracy of information listed on my credit report in accordance with the Metro 2 format. Specifically, I am disputing the following account : XXXX XXXX Account XXXX XXXX. 
According to my records, this account was closed onXXXX. However, my credit report states that the account is currently delinquent and has a balance. This erroneous information is having a significant negative impact on my credit score, and I believe it is being reported in violation of the Metro 2 guidelines.

As per the Metro 2 guidelines, I am requesting that you investigate the accuracy of the information being reported and provide me with any documentation that supports the current status of the account.
Consumer complaint received 2020-03-08
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. (NY)

There are several inquiries on my report that I did not manually create nor authorized. Under the FCRA they must be removed if no evidence has been provided. I have demanded they be removed immediately since they were made without my permission.
Consumer complaint received 2020-01-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

There is a XXXX XXXX business account that used to be reporting unto my personal profile but was eventually deleted after disputing it. Suddenly on XXXX XXXX, it was reinserted to my profile without notice decreasing my score and putting me at risk.
Consumer complaint received 2020-01-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Bank of America stated that it sent a response to my complaint XXXX directly to me on XXXX. As of today XXXX I have not received it. I only received Bank of America response to my other complaint with CFPB, but not to XXXX.
Consumer complaint received 2023-12-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (WI)

I am writing to formally file a complaint against [ XXXX ] regarding inaccuracies present on my credit report, which I believe are clear violations of the Fair Credit Reporting Act ( FCRA ), USC 15 1681 b USC 15 1681e ( b ) USC 15 1681s 2. I have also included Experian and XXXX, in this complaint as they have reported the same inaccuracies. 

The inaccuracies in question pertain to two outdated accounts that were included in a XXXX discharge and a XXXX  that is on my credit report, that took place in XXXX. As an educated consumer, I understand the complexities of credit reporting, and I am confident that the reporting of these accounts is in direct violation of my rights under the FCRA. 

Notably, I did not provide permissible permission for these outdated accounts to be reported on my credit report. This not only constitutes a breach of my privacy but also tarnishes my reputation and impacts my overall quality of living. As a conscientious consumer, I believe that a fair and equitable resolution is imperative to rectify these issues promptly. 
Enclosed with this complaint, you will find supporting documentation, including but not limited to : XXXX discharge documents from XXXX 
Proof that the accounts in question were included in the aforementioned discharge. 
Any relevant correspondence with the credit reporting agencies and the creditors involved. 
I am writing to formally file a complaint against [ XXXX ] regarding inaccuracies present on my credit report, which I believe are clear violations of the Fair Credit Reporting Act ( FCRA ), USC 15 1681 b USC 15 1681e ( b ) USC 15 1681s 2. I have also included Experian and XXXX, in this complaint as they have reported the same inaccuracies. 

The inaccuracies in question pertain to two outdated accounts that were included in a XXXX discharge that took place in XXXX. As an educated consumer, I understand the complexities of credit reporting, and I am confident that the reporting of these accounts is in direct violation of my rights under the FCRA. 

Notably, I did not provide permissible permission for these outdated accounts to be reported on my credit report. This not only constitutes a breach of my privacy but also tarnishes my reputation and impacts my overall quality of living. As a conscientious consumer, I believe that a fair and equitable resolution is imperative to rectify these issues promptly. 

Enclosed with this complaint, you will find supporting documentation, including but not limited to : XXXX discharge documents from XXXX. 
Proof that the accounts in question were included in the aforementioned discharge. 
Any relevant correspondence with the credit reporting agencies and the creditors involved.
Consumer complaint received 2020-03-08
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. (MI)

XX/XX/XXXX, my student loan was paid in full due to my federal income taxes being offset. XX/XX/XXXX/XX/XX/XXXX i received a check for XXXX dollars and change for " student loan repayment ''. XX/XX/XXXX i received another check for about XXXX dollars for " student loan repayment ''. XX/XX/XXXX/XX/XX/XXXX i received another check for about XXXX dollar for " student loan repayment ''. Department of education says my student loan is currently under BORROWER 'S DEFENSE but currently reporting to all credit bureaus as DEROGATORY/SERIOUSLY PAST DUE. On XX/XX/XXXX i called department of education default resolution group and they told me they can not change how its being reported and i can make a payment of XXXX to get out of default even though its under borrower 's defense and these loans will soon be discharged under the XXXX XXXX lawsuit. ( Also if i make that payment of XXXX it would be sent back or maybe even rejected )
Consumer complaint received 2023-09-05
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: EQUIFAX, INC. (GA)

I'm XXXX XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX Balance : {$31000.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$31000.00}
Consumer complaint received 2020-03-08
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. (MI)

XX/XX/XXXX, my student loan was paid in full due to my federal income taxes being offset. XX/XX/XXXX/XX/XX/XXXX i received a check for XXXX dollars and change for " student loan repayment ''. XX/XX/XXXX i received another check for about XXXX dollars for " student loan repayment ''. XX/XX/XXXX/XX/XX/XXXX i received another check for about XXXX dollar for " student loan repayment ''. Department of education says my student loan is currently under BORROWER 'S DEFENSE but currently reporting to all credit bureaus as DEROGATORY/SERIOUSLY PAST DUE. On XX/XX/XXXX i called department of education default resolution group and they told me they can not change how its being reported and i can make a payment of XXXX to get out of default even though its under borrower 's defense and these loans will soon be discharged under the XXXX XXXX lawsuit. ( Also if i make that payment of XXXX it would be sent back or maybe even rejected )
Consumer complaint received 2020-03-08
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. (MI)

XX/XX/XXXX, my student loan was paid in full due to my federal income taxes being offset. XX/XX/XXXX/XX/XX/XXXX i received a check for XXXX dollars and change for " student loan repayment ''. XX/XX/XXXX i received another check for about XXXX dollars for " student loan repayment ''. XX/XX/XXXX/XX/XX/XXXX i received another check for about XXXX dollar for " student loan repayment ''. Department of education says my student loan is currently under BORROWER 'S DEFENSE but currently reporting to all credit bureaus as DEROGATORY/SERIOUSLY PAST DUE. On XX/XX/XXXX i called department of education default resolution group and they told me they can not change how its being reported and i can make a payment of XXXX to get out of default even though its under borrower 's defense and these loans will soon be discharged under the XXXX XXXX lawsuit. ( Also if i make that payment of XXXX it would be sent back or maybe even rejected )
Consumer complaint received 2024-03-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (TN)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report.

I am formally requesting the blocking and deletion of these accounts.

It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.
Consumer complaint received 2020-03-08
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. (MD)

I have private and student federal loans with XXXX. During XX/XX/2019, I was advised that I needed to make a payment because the payments they recieved wasn't going to the accounted with the due dates. I was not provided clear instructions on which accounts to pay and as to how much. 

In XX/XX/2019, I spoke with a lady who verbally advised that if I scheduled an payment my account would not report late as I would have met the deadline before the reporting to the three major credit bureaus. A few months ago, I called back and spoke to another lady and asked that an investigation be completed because I was provided incorrect information. 

As a result, the second time I called was advised that a manger would listen to the phone records to hear what her staff advised and assist with getting the late payment removed as I was following her direction. To present, nobody has called and when I call I get the run-around. 

I have tried to handle this on my own and if someone replays the phone record ( as all calls are monitored ) will clearly hear the lady advising that if I schedule a payment, my account would not report as late.
Consumer complaint received 2023-12-01
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)

To : XXXX  and XXXX  of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - complaint is that there is a Breach of Trust and unauthorized use of the name XXXX XXXX XXXX, as you do not have legal nor lawful consent to use the NAME without having received signed Social Security Administration form SSA-89 which constitutes identity theft. You are also securitizing the note that was created by the NAME without FULL DISCLOSURE and sharing the goods generated by the use of the NAME. Do not make Merchandise of your 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 

YOU HAVE STOLEN THE NAME AND USED IT IN A WAY THAT BENEFITS YOU and NOT THE XXXX WE MAKE AN EQUITABLE CLAIM IN THE NAME AND ANY ASSETS ATTACHED TO THE NAME ADMINISTERED BY XXXX XXXX XXXX
Consumer complaint received 2020-03-08
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. (MD)

I have private and student federal loans with navient. During XX/XX/2019, I was advised that I needed to make a payment because the payments they recieved wasn't going to the accounted with the due dates. I was not provided clear instructions on which accounts to pay and as to how much.

In XX/XX/2019, I spoke with a lady who verbally advised that if I scheduled an payment my account would not report late as I would have met the deadline before the reporting to the three major credit bureaus. A few months ago, I called back and spoke to another lady and asked that an investigation be completed because I was provided incorrect information. 

As a result, the second time I called was advised that a manger would listen to the phone records to hear what her staff advised and assist with getting the late payment removed as I was following her direction. To present, nobody has called and when I call I get the run-around. 

I have tried to handle this on my own and if someone replays the phone record ( as all calls are monitored ) will clearly hear the lady advising that if I schedule a payment, my account would not report as late.
Consumer complaint received 2024-03-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (NY)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.
Consumer complaint received 2023-05-15
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. (MS)

TransUnion removed it from my report and than added it back I never had a repo on my credit report and I have never even used that company when I got the address from them I went to the location and it was closed down and I told them that they removed it and added it back I need this issue fix this isn't none of my account and the address they have I never lived there
Consumer complaint received 2020-01-07
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. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND A FEW INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. I AM NOT SURE AS TO WHEN EXACTLY WHEN THIS TOOK PLACED BUT WHEN I NOTICED IT I DECIDED TO TAKE ACTION RIGHT AWAY. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. I HAVE SO MUCH I WOULD LIKE TO ACCOMPLISH BUT BECAUSE OF THE STATE MY CREDIT IS IN THERE IS NOT MUCH I CAN DO. 
I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THESE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2022-02-22
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. (MI)

I previously sent my written request to TransUnion about blocking or removing all the information that is erroneous and fraudulent. However, that request was never granted or any feedback was never done by the agency. Now, I would like to ask for your help to get rid of these items or have TransUnion get back to me with regards to the issue. Here are the items that concern me : XXXX XXXX XXXX Balance : {$350.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX  ( Original Creditor : 12 XXXX  XXXX ) XXXX {$1000.00} XXXX  XXXX  ( Original Creditor : 06 XXXX  ) XXXX Balance : {$490.00} XXXX XXXX  XXXX XXXX Balance : {$290.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$220.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$95.00} XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$25.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$25.00} XXXX XXXX Balance : {$1000.00} XXXX/XXXX  Date of inquiry XX/XX/2020 XXXX XXXX Date of inquiry XX/XX/2020
Consumer complaint received 2020-03-08
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. (MD)

I have private and student federal loans with navient. During XX/XX/2019, I was advised that I needed to make a payment because the payments they recieved wasn't going to the accounted with the due dates. I was not provided clear instructions on which accounts to pay and as to how much. 

In XX/XX/2019, I spoke with a lady who verbally advised that if I scheduled an payment my account would not report late as I would have met the deadline before the reporting to the three major credit bureaus. A few months ago, I called back and spoke to another lady and asked that an investigation be completed because I was provided incorrect information. 

As a result, the second time I called was advised that a manger would listen to the phone records to hear what her staff advised and assist with getting the late payment removed as I was following her direction. To present, nobody has called and when I call I get the run-around. 

I have tried to handle this on my own and if someone replays the phone record ( as all calls are monitored ) will clearly hear the lady advising that if I schedule a payment, my account would not report as late.
Consumer complaint received 2022-11-12
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. (DC)

Privacy and Confidentiality under 15 USC 1681 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 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