davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-10
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. (GA)

Credit reporting agency is reporting inaccurate information on my credit report and it is keeping me from being able to obtain housing for me and my children. I sent a formal letter to them on XX/XX/2021 and I have yet to get a response. Please help me
Consumer complaint received 2017-11-25
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: Experian Information Solutions Inc. (CA)

My name has been XXXX XXXX XXXX since I got a divorce in the year XX/XX/XXXX. I married XXXX XXXX XX/XX/XXXX. When we got divorced I went back to my maiden name which is XXXX. I do not understand how it magically went back to XXXX? Can someone PLEASE help me regarding this matter. Also I have filed a police report as well. 
XXXX Bless Truly, XXXX XXXX XXXX XXXX Born XX/XX/XXXX
Consumer complaint received 2021-08-10
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Radius Global Solutions LLC (OH)

Northland Group XXXX has been calling my home for more than a few months. In the beginning, I answered the phone and no one was there. I called their phone number a few times and left messages. 

The message is that the person who owes the debt, the person they're trying to collect from, hasn't lived here since XX/XX/2020. I told them where she is, her address, and her phone number. 

But every morning, between XXXX they continue to call me. I am not responsible for her debt. I gave them all the information I have so they can contact her at her current residence, but they continue to harass me.
Consumer complaint received 2021-08-10
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (KS)

I sent {$600.00} to Synchrony for a credit line of {$600.00}. For the 3 months Ive had the account, Ive made consistent and advance payments to keep a balance available for purchases. They are suddenly HOLDING a payment I made and declining new purchases even though a payment of almost {$400.00} has cleared my bank and they have the cash in their own bank account. They refuse to allow the payment to be applied to my account and have stolen it instead.
Consumer complaint received 2021-08-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

This CAPITAL ONE account is reporting late, yet it is closed and the balance is XXXX as reported in my 3 Credit Bureaus. Lets correct this immediately. The 3 Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Consumer complaint received 2021-08-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (PA)

I deposited a {$2200.00} check to my checking account through the ATM of XXXX XXXX XXXX on XX/XX/XXXX. However, the fund availability delay was changed from XX/XX/XXXX to XX/XX/XXXX a week later. In the communications received from BB & T ( now Truist ), the Hold Type was Reasonable Cause to Doubt Collectability, and Description was Account Ownership Issue. 

Over the past few months, I have called several times and stopped by the branch- I believe I have proved the validity/collectability of the check deposited, with evidence from all parties involved. I have asked a representative from the payee company to call back as indicated. In addition, Im the owner of the business who was sending the check. Furthermore, the issuer of the check has confirmed the validity and suggests the bank to make the fund available instead of voiding the check, as it had already been deposited. Therefore, I believe the " Hold Type '' of " Reasonable Cause to Doubt Collectability '' and " Description '' with " Account Ownership Issue '' was no longer true. 

There is not ANY legal foundation in the Bank Services Agreement ( BSA ) or federal regulations suggesting that BB & T ( now Truist ) can hold the fund availability for XXXX years until XXXX. If there was genuine concern on the check, it should have been rejected in the first place, rather than accepting and withholding the availability, so that I can ask a new check to be resent. 

The fund has already been transferred successfully to BB & T ( now Truist ) and stayed there for XXXX months now, but I can not have access to the money. I have received neither reasonability nor sympathy from BB & T ( now Truist ), and have not even heard back from their Client Resolution Center since two weeks ago.
Consumer complaint received 2021-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I contacted Equifax on XX/XX/2021 via phone at XXXX requesting to have incorrect personal information removed from my report.. After going through the phone verification, I was transferred to a live representative who refused to assist me. He sent over a verification link and when I selected the link it did not work. I am a victim of identity fraud and there is so much incorrect personal data being listed on my credit report I fear this fraudster will be able to beat the system and ruin my credit again.
Consumer complaint received 2021-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

There is already an open case with Equifax due to Fraudulent Inquiries on my credit report, now there are new inquiries on my credit report that they don't want to remove. This is the only company that always its a problem with them to fix something on your credit report. I WANT THE INRIRIES THAT ARE NOT MINE REMOVED ASAP
Consumer complaint received 2021-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (NJ)

i just find out that on my credit borough reports i have 3 collections in a small amount in a total of {$450.00} 1. XXXX XXXX, $ XXXX, 2. XXXX XXXX XXXX XXXX, $ XXXX, 3. XXXX XXXX $ XXXX. I don't know what is about, i just can guess according to original creditors names ( whish i found on credit reports ) that its medical outstanding bills. I never received any letters/notices from Collection/Or-and/Original creditors that i own some money. I am a XXXX XXXX too, in case i want to put XXXX  for the collection I am always mail them certified green mail card which must be signed by the XXXX. Then i am allowed to put XXXX  for collection because i have received proof that the XXXX  received a notice. A few month ago some collectors was trying to call me about some outstanding amount, they just verified my name, but when i asked them Can you please email me or mail a bill/statement from original creditors so i can Verified where is the source of my outstanding but I WAS HANG UP THE PHONE immediately, for me looks like that just they just want verified my name and its more than enough to put me in a collection. Another way, because i have very valuable time I would like to pay these outstanding balance and forget about this., and unfortunately i am unable to do it because when i have clicked on Equifax , and XXXX  collection names I DO NOT HAVE ( website link ) an OPTION to pay it OFF. I did search by creditor names on line and its brought me to their subcontractors websites where they offer some some credit card and other things. For Example on XXXX  Credit Borough I have clicked DISPUTE button and its brought me to : XXXX XXXX XXXX XXXX Its Not fair to me, like i mentioned above i would like to pay OFF a balance i have and even not to thing what is about. BUT i do not have an options to do it on their website. I have made a few calls by the name i found of my credit reports and i was switched to companies who offer some services to clean up a history for monthly fee etc. 1. The reason is it has to be removed from XXXX, Equifax and XXXX  that is NO link from original creditors/or collection agency to PAY OFF a collection Balance. 2. XXXX, Equifax and XXXX  must have received a confirmation from original creditors that debtors have received a notification ( NOT just phone calls to verified the Names and hang up the phone after )
Consumer complaint received 2021-07-26
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: U.S. BANCORP (NJ)

Payoff of my lease with US Bank was sent on XX/XX/XXXX to US Bank address listed on the written payoff statement. The payment was received by US bank on XX/XX/XXXX. The dealer has written confirmation of delivery and receipt of the payoff check. I have called several times to verify and confirm the payoff was revived and applied. each time I was told by the US bank customer service person that they have no record of receiving the payoff check. I believe they have intentionally stalled in applying the payment to my account. Costing me money and threatening my excellent credit standing. They are liars and committing fraud.
Consumer complaint received 2024-03-25
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. (TN)

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. 
XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX 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 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 2021-08-04
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: Simon's Agency, Inc. (NY)

I sent a letter to XXXX request that they provide me with " The name of the original creditor, The creditors address and telephone number, The persons name they verified the dispute with and The documentation used to verify the dispute '' they have not honor the request as they continue to be in Violation of the FDCPA 807. False or misleading representations
Consumer complaint received 2021-08-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc. (AZ)

opened a coinbase account and made {$100.00} in purchases. 
Coinbase attempted 5x {$25.00} withdrawls on XX/XX/XXXX, following by 2x {$25.00} on XX/XX/XXXX causing multiple overdraft charges. 
I've tried over and over since XX/XX/XXXX to get clarity from them on why they attempted the unauthorized withdraws and my support ticket continues to be someone is looking into it each time I ask for an update. It's going on 3 months now and it appears they have no intention of resolving the issue.
Consumer complaint received 2021-08-10
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: CAPITAL ONE FINANCIAL CORPORATION (MD)

I recently reviewed my credit report and found unauthorized inquiries. I contacted the below creditors and they have No proof I initated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you assist in having in getting DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. 
Under 15 U.S. Code 16811, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be in accurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : Capital One - inquiry from XX/XX/2021 I AM REQUESTING UNDER FCRA 605B THAT THESE INQUIRES ARE IMMEDIATELY REMOVED FROM MY CREDIT REPORT FCRA 605B ( 15 U.S.C. $ 1681C-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business after the date of 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.
Consumer complaint received 2021-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I contacted the credit Bureau and I spoke to someone there who's been assigned to me by the name of XXXX and this person never replies to me or assist me continues to argue with me and refuse to take care of everything thinks he knows everything about my credit. 

I informed him that there was an inquiry dated XX/XX/2020 that was done in accident and should be removed and I have the letter from the creditor asking for its removal he absolutely was taunting ignorant and refused to assist me. 

today upon talking to his manager XXXX XXXX asked me to send that letter and information in so that it can be taken care of but I'm still filing this complaint 'cause it still shows on my credit report.
Consumer complaint received 2021-08-04
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: Nelnet, Inc. (IN)

I XXXX XXXX finished my college education in XXXX. I took 11 student loans that were satisfied in full. Therefore, I never signed for a student after XXXX. I have attached a copy of each satisfied student loans. My problem now is that my ex-wife at one time added me as a person of interest to pay on her student loans that were serviced by Nelnet Loan Services. My divorce decree never had a stipulation that I would be responsible for her student loans, totaling {$63000.00}. I request the immediate removal of these accounts from XXXX XXXX and XXXX XXXX respectfully. Nelnet may be inclined to even send to me copies of all signature pages for these loans, which will prove that I am not a responsible party. Accordingly, I request a quick review of these accounts and their permanent deletion on all pertinent credit reporting agencies. Thank you for your cooperation. 
XXXX XXXX
Consumer complaint received 2021-08-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (MN)

I am in the Public Service Loan Forgiveness program whereupon monthly loan payments made while working at a non-profit institution count towards eventual loan forgiveness. FedLoan Servicing, who services these loans and tallies payments towards eventual forgiveness, erroneously disqualified up to 22 of my qualifying payments. 

Please refer to the attached documents for tallies towards loan forgiveness dated XX/XX/XXXX versus XX/XX/XXXX respectively. As you can see in comparison, five loan sequences ( XXXX, XXXX, XXXX, XXXX, XXXX ) have dropped from 40-41 qualifying payments made to 19 qualifying payments without explanation. As each qualifying payment counts as a month, this would add an extra 21-22 months of payment onto each sequence before forgiveness is reached ( likely multiple tens of thousands of dollars of extra payments ). 

When contacting the loan servicer on XX/XX/XXXX ( representative XXXX # XXXX XXXX, I was informed that " natural disaster forbearance '' has been applied to these sequences, apparently retroactively given that qualifying payments were taken away. 

These are the periods of apparent Natural Disaster Forbearance : XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX. 

I have certainly never applied for or requested this status nor have I lived in an area experiencing a natural disaster ( XXXX has been my permanent residence for the last two years and XXXX for the four years before that ) so this is certainly a mistake. During this time, I made full, on-time payments each month ( see document TransactionsXXXX downloaded from FedLoan documenting payment history for all loans ). The representative proceeded to say that a review would occur but could not give a time frame ( " likely months '' ) or an explanation for this change. 

Finally, the US government is ending its contract with FedLoan in the near future, raising the possibility that if this is not resolved in a timely manner, incorrect loan counts will be forwarded to the new servicer, further adding to confusion.
Consumer complaint received 2024-03-25
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. (KS)

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.

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 2021-08-04
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. (SC)

I XXXX XXXX the natural person have been attempting to resolve my consumer report for months with this company and haven't been getting any cooperation. I have sent them letters called them and I still get no results. I know that it is illegal for them to furnish my consumer report according to the FCRA unless they have my written consent to do so. I asked them to send me the letter that they have from me where I stated that they could furnish it and all I kept getting back were updated accounts. They couldn't even tell me who they investigated with for them to come back verified after the investigation. This is starting to feel like a form of oppression because I can't even use my right of extending my own credit because of these unlawful practices. This is infringement on my privacy and I am very displeased that they just ignore my request as a consumer. They are very consistent with stall tactics by sending letters stating that this is not me filing this complaint and it was a credit repair company.
Consumer complaint received 2021-08-04
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. (NY)

Pursuant to 15 USC 1681c-2 at the receipt of an identity theft report a consumer reporting agency has 4 business days to block the fraudulent information from my consumer report.

The response from Equifax, which is attached, not only show that they've received my identity theft report, but has also prove that they've refuse to block the fraudulent information from my consumer report. Which by law they have no grounds to do so being that the request was a mistake by me the consumer, and the identity theft report from the Federal Trade Commission, which is attached, is not a misrepresentation of fact of this fraudulent information, and I did not receive and goods, services, or money for the blocking of this information.

This company Equifax in violation of my rights as a consumer under the FCRA. Also on the paper they sent, they claim these fraudulent inquiries are a factual record of file. A factual record of file by whom? Not only are these fraudulent inquiries unauthorized by me, but I also did not give any consent to any consumer reporting agency to include this fraudulent information to my report.

As written by congress the failure to comply with the removal of these fraudulent inquiries makes you liable under section 1681n of title 15.

As a consumer I am demanding that the following fraudulent inquiries are removed within 4 business days of the receipt of this complaint XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX