davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-20
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)

Fraud has been committed on my consumer report, which violates the FCRA and FDCPA. 
" XXXX XXXX  '' using extortionate means to collect on alleged debt, I do not owe that resulted from extension of credit which violates Title 18 USC 892-894 and constitutes racketeering activities and extortion. This is a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ) 15 U.S.C. 1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed and validation of the account is required. *Purchase Agreement* Evidence that you are a licensed debt collector *Chain of Title* Proof that you are a license debt collector to collect in my state. *A requested copy of your State Department of Commerce and Insurance Certificate . THIS IS A REQUEST FOR ACCOUNTING ; REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT IN REFERENCE TO U.C.C. $ 9-210. This authenticated record must include all tax filings ( including all 1099 's, 1096 's, and 1098 's ) any and all trades and/or investments and/or interests associated with this account of which I am alleged to be a party. I have a right to this information, as its directly associated with the reporting activities. Failure to substantiate the claim, please settle the account immediately and cease and desist all communication and have this tradelines PERMANENTLY DELETED from my consumer report.
Consumer complaint received 2015-07-13
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Also mark " Unable to get my credit report or credit scoreSubsection : " Problem getting my free annual report '' Bureau : TransUnion, LLCI the consumer have been unsuccessful of obtaining my free credit report from TransUnion , LLC which is in direct violation of Fair Credit Reporting Act ( FCRA ) 15 U.S.C 1681j. 612. Charges for certain disclosures ( a ) Free Annual Disclosure ( 1 ) Nationwide Consumer Report Agencies ( A ) In general. All consumer reporting agencies described in subsections ( p ) and ( w ) of section 603 shall make all disclosures of pursuant to section 609 once during a XXXX-month period upon request of the consumer and without charge to the consumer. 

Me the consumer, have been trying to receive the free copy of my credit report from TransUnion LLC for over XXXX years, and they are unwilling, and wo n't fulfill my request. 

TransUnion , LLC. Also is unwilling to help me establish a account on there website via XXXX I 've been transfered multiple times to there different number to resolve the issue, and it has yet to be fixed. I keep getting error " We are unable to complete your request ''. I 've already filed a dispute for a collection I 've paid off, and they do n't understand that I wan na track my status via the account access feature that TransUnion LLC offers free of charge. 

None of there agents speak good XXXX, or XXXX poor XXXX I ca n't understand there requests half of the time, or what they are trying to tell me when I have a issue. This is totally unacceptable. The " techs '' on the other line who I am trying to talk to, want to get off the phone as fast as possible, want to do the minimal amount of work, and do not care about the consumer. I would n't be writing this complaint if they would 've spent a extra XXXX minutes with me the consumer to resolve my issue. Total lack of transparency. 

I 've already submitted information per TransUnion LLC dispute page stating I 've paid off the debt collection, and the account is closed. I 've been told XXXX different answers1. The dispute was opened XXXX XXXX 2015 and is being processed and reviewed2. The dispute was opened/received XXXX XXXX, 2015 and is being processed and reviewed. 
3. My dispute was unsuccessful account to another " tech '' and tell me I had to re-file. I ca n't refile if another " tech '' is stating I already have a dispute open? 

I have attached a settlement from the Debt Collection agency, stating my account balance is {$0.00}. I want this remark removed from my account ASAP, I want to get access to my free annual credit report from TransUnion LLC, and I want my account established.
Consumer complaint received 2023-12-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to dispute the existence of a fraudulent account on my credit report, and I am formally requesting the immediate deletion of this inaccurate and damaging information. It has come to my attention that despite the successful removal of the same fraudulent account from my credit reports with other bureaus, your bureau continues to list this account, adversely affecting my credit history. 
XXXX XXXXXXXX & TU have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
I kindly request that your bureau conducts an expedited and thorough investigation into this matter and promptly removes the fraudulent account from my credit report. The persistence of this inaccurate information is causing significant harm to my creditworthiness, hindering my ability to access credit on fair terms. 
I understand that under the Fair Credit Reporting Act, it is the responsibility of credit reporting agencies to ensure the accuracy of the information they report. I trust that your bureau will handle this matter with the urgency and diligence it requires.
Consumer complaint received 2023-12-04
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. (CA)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the XXXX XXXX I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2023-01-14
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. (PA)

On XX/XX/2022 I paid {$150.00} to XXXX XXXX. This was to close the account ending in XXXX for a lesser amount. The account was closed but yet to be charged off. XXXX XXXX had emailed me with the offer and I took it. Upon payment, I was no longer able to access account or details within the app, it now stated charged off after I paid the agreement amount. It was then put on my credit report as charged off. I was in a pre-approval stage of buying a home. After the incorrect entry on my credit report, I lost approved status. I can now possibly face XXXX  with my family. I was trying to do the right thing and it back fired. I believe this is predatorial.
Consumer complaint received 2024-04-09
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

Bank of America is joke and you have XXXX bank managers that are tampering with bank accounts blocking them so funds can not be withdrawn and putting people lives in jeopardy. I have reported to the Fraud Dept with BOA but they will not do anything since I do not have a bank account with them and will not update me or if they are going to do anything. 

The bank managers names are XXXX XXXX and XXXX XXXX with Bank of America in XXXX XXXX Texas at the branch located at XXXX XXXX XXXX XXXX. These XXXX men have tampered with a bank account that they had no business messing with and have taken fees from me in the amount of over $ XXXX. These men need to be stopped and lose their jobs. I have emails and threatening messages from them if I do not send fee 's but nobody seems to want to help. 

They have also given out my personal information to a man that is creating social media accounts under my name with my information. 

What is wrong with people? These people are crooks and need to lose their jobs and face criminal charges.
Consumer complaint received 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

duty pursuant to the FCRA, it is TRANSUNIONs to be reporting correct and accurate information on my credit report and file, however they are NOT. TRANSUNION is reporting 2 inaccurate late payments for the XXXX XXXX XXXX XXXX XXXX XXXX account ending in XXXX. These include a 30 day late payment posted in XX/XX/XXXX and a 60 day late payment posted in XX/XX/XXXX. These are incorrect and supposed to be reported as PAID AS AGREED. 
Furthermore, pursuant to 15 U.S.C. 1681c ( a ) ( 5 ) ( a ) Information excluded from consumer reports ( a ) Information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make a consumer report containing any of the following items of information : ( 5 ) Any other adverse item information, other than records of convicitions of crimes which antedates the report by more than seven years.

Here Adverse items are delinquent items.

I have already contacted TRANSUNION two times via letter correspondence and TRANSUNION fail to correct the item as PAID as AGREED.

It is clear that TRANSUNION has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.
Consumer complaint received 2023-01-14
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. (PA)

On XX/XX/2022 I paid {$150.00} to XXXX XXXX. This was to close the account ending in XXXX for a lesser amount. The account was closed but yet to be charged off. XXXX XXXX had emailed me with the offer and I took it. Upon payment, I was no longer able to access account or details within the app, it now stated charged off after I paid the agreement amount. It was then put on my credit report as charged off. I was in a pre-approval stage of buying a home. After the incorrect entry on my credit report, I lost approved status. I can now possibly face XXXX  with my family. I was trying to do the right thing and it back fired. I believe this is predatorial.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: NCB Management Services Inc. (OH)

I am disputing, yet another violation of my consumer rights. Under 15 US Code 1629c ( c ), it clearly states if a consumer notifies a debt collector that the consumer refuses to pay a debt, the debt collector MUST CEASE ALL COMMUNICATIONS. I have been receiving constant phone calls, text messages and emails and at will to sue! 

I do NOT have a contract with these collection companies and have no knowledge of them. Therefore, you must DELETE from my credit report immediately. 

XXXX ) NCB Management Service Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-13
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. (PA)

Equifax is reporting false, inaccurate, and incomplete information on my credit report which is negatively impacting my life! Please see the following accounts in question : XXXX ) XXXX Does not have a creditor or explanation on account Balance : {$68.00} Date opened : XX/XX/XXXX XXXX ) XXXX Does not have creditor or explanation of account Balance : {$890.00} Date opened : XX/XX/XXXX XXXX ) XXXX Does not have a creditor or explanation on account Balance : {$0.00} Date opened : XX/XX/XXXX XXXX ) XXXX XXXX XXXX  XXXX : this is not an account I opened and should not be on my report! 
Account number : XXXX Balance : {$24.00} Date opened : XX/XX/XXXX XXXX ) XXXX XXXX XXXX  : this is not an account I opened and should not be on my report! 
Acct number : XXXX XXXX : {$15000.00} Date opened : XX/XX/XXXX
Consumer complaint received 2022-12-22
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. (NV)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX .... Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$350.00} If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2019-12-13
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (GA)

I have my mortgage through NewRez financial. They used the wrong parcel number in paying our property taxes through escrow, and did not notify us. I received a notice from our county that our taxes had not been paid, and that a lien would be placed on our house. 

I have reached out to NewRez for two weeks to resolve this, with no progress. They are not sharing any information, and they have not connected us with the appropriate departments to get this resolved. 

We have had significant interest added to our tax bill due to their error, and we are very concerned about resolving this issue before a lien is placed on our home. 

I have also reached out to corporate leadership as a last ditch effort to have this addressed.
Consumer complaint received 2023-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (WA)

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still some items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-14
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. (TN)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX 2. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX 3. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX 4. there is some inaccurate information reporting. 
XXXX XXXX Bankruptcy Case Number : XXXX Delete this account.
Consumer complaint received 2019-12-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (CA)

On XX/XX/2019 I received a letter from Citibank stating that my inquiry regarding electronic transactions on my checking account ending in XXXX XXXX XXXX XXXX had been honored and that I would be receiving a credit on to my account in the amount of {$1600.00}. They said that this credit included any applicable fees and interest incurred as a result of the disputed charges. On XX/XX/2019 I called Citibank customer service to ask when this money was going to be deposited onto my account the customer service representative I spoke with told me to give it 10 business days for the money to be deposited onto my myaccount. On XX/XX/XXXX I received a letter stating that they were not going to give me {$1600.00} with {$0.00} they were only going to give me {$200.00} with {$0.00}. I need Citibank to respect the money reimbursed to me which was {$1600.00} and credit this amount to my account just like they said they would on the letter I received XX/XX/2019.
Consumer complaint received 2023-01-14
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. (TN)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXXXXXX XXXX XXXX MI XXXX 3. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, MI XXXX XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, XXXX XXXX XXXX
Consumer complaint received 2022-08-16
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (FL)

Upon seeing my credit report, it pays my attention that the following accounts are inaccurate and fraudulent. I am a consumer by law. I am not happy about it what I saw. This hurt my credentials as a consumer.
Consumer complaint received 2018-04-23
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (NY)

The student loan company I am complaining about is XXXX XXXX XXXXt formerly XXXX  XXXX XXXX and AES. I applied for {$15000.00} student loan in XX/XX/XXXX so I could start taking Fall XX/XX/XXXX classes at XXXX College in XXXX. I started making payments in XX/XX/XXXX. Then, I noticed they have stopped updating the remaining balance information for at least a year ; Around the year XX/XX/XXXX, I called and spoke to a young man who put me on hold so he can calculate the real remaining balance and he told me it was at least $ 10k from the original $ XXXX+. A few months later, I called again ( because the update was never made ) and spoke to a woman whom refused to look into the balance problem and told me the current balance was correct. In late XX/XX/XXXX, I realized they have seldom been sending me 2 bills for one month with different balances of at least $ 14k remaining with the exception of XX/XX/XXXX when they sent me 3 bills with different balances of at least $ 13k remaining. Additionally, they have messed up my credit by filing the wrong information ; they refused to update my credit information past the year XX/XX/XXXX. Also, I have yet to receive my XXXX Form for XX/XX/XXXX from them. I called and left a message for them to call me back on XX/XX/XXXX but, no one did. These crooks have assigned XXXX XXXX , XXXX to collect my debt and every so often they try to pressure me to pay more than is, currently, affordable.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Prosper Marketplace, Inc. (IN)

I AM THE VICTIM OF IDENTITY THEFT I AM THE VICTIM OF THE XXXX XXXX DATA BREACH I AM DISPUTING THE 5 ACCOUNTS OPENED ON OR AROUND XX/XX/XXXX THROUGH AUGUST 0F XXXX. 

I DID NOT OPEN OR AUTHORIZE XXXX XXXX  TO OPEN A CREDIT CARD ON XX/XX/XXXX AS OF THIS LETTER I HAVE FILED MY 3RD FTC AND POLICE REPORT OF XXXX. 

I HAVE ALL THE PROOF THIS IS NOT MY ACCOUNT- XXXX IGNORES THE EVIDENCE. 

THE POLICE HAVE AN ALLEGED SUSPECT ALSO. 

PLEASE REMOVE FROM MY CREDIT BUREAUS IMMEDIATELY.