davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-25
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. (IL)

The following creditors and Transunion have been and are reporting inaccurate information on my credit report. The following creditors and Transunion have been and are reporting hard inquiries without verifiable proofs of my consents. As a result, there are no permissible purposes of putting those hard inquiries on my credit report. I sent certified mails to both Transunion and the following creditors asking about the permissible purposes of those hard inquiries and verifiable proofs of my consents. I waited more than 30 days to have the verifiable proofs from Transunion and the following creditors of their inaccurate information and I didnt receive them from all of them. Since neither Transunion nor the following creditors have verifiable proofs of their inaccurate information and it has been more than 30 days since they received the dispute, according to Fair Credit Reporting Act 15 U.S. Code Sec. 1681i ( a ) the following hard inquiries should be deleted immediately. Certified mail tracking number sent to Transunion on XX/XX/XXXX : XXXX. Second Certified mail tracking number sent to Transunion on XX/XX/XXXX : XXXX. Third certified mail tracking number sent to Transunion on XX/XX/XXXX : XXXX. Certified mail sent to XXXX on XX/XX/XXXX : XXXX. Certified mail tracking number sent to XXXX XXXX XXXX on XX/XX/XXXX : XXXX. Certified mail tracking number sent to XXXX XXXX XXXX on XX/XX/XXXX : XXXX. Certified mail tracking number sent to XXXX XXXX XXXX on XX/XX/XXXX : XXXX. Certified mail tracking number sent to XXXX on XX/XX/XXXX : XXXX. The following creditors and inquiries should be deleted immediately are : Creditor Name : XXXX Date : XX/XX/XXXX Creditor Name : XXXX Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX via XXXX Date : XX/XX/XXXX Creditor Name : Transunion - XXXX XXXX XXXX XXXX Date : XXXX
Consumer complaint received 2016-11-09
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Commonwealth Financial Systems, Inc. (FL)

I have sent numerous debt validation notices and never received a response back from the creditor. As per the Fair Debt Collection Practice Act ( FDCPA ), a credit is supposed to response and no attempt to collect until they have responded. However, this creditor has not responded and is still attempting to collect, which is in violation of the FDCPA.
Consumer complaint received 2023-07-20
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)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly 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 2019-11-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (AE)

I was originally assigned XXXX as my loan servicer for my federal student loans following graduation. I enrolled in a qualifying repayment program in order to work towards Public Service Loan Forgiveness and within about a year I was transferred to FedLoan Servicing. FedLoan Servicing has now been my loan servicer for a few years. I am extremely frustrated with the lack of response to my repeated requests to review my qualifying payments towards PSLF. I have asked and asked for a few years now for an updated count of qualifying payments made while I was with XXXX. The FedLoan organization has so far only counted payments made since I was transferred to them. I make regular calls, send emails, and it goes nowhere. Their staff has gone from asking me to be patient, to blaming it on XXXX for not transferring my documents, to stating that actually XXXX did share my documents right away but it " takes time '' to review the file. It doesn't. I've done the count myself in a matter of minutes. You can easily confirm that I was in a qualifying repayment program and count the number of payments I made during my time with XXXX if you just take ten minutes to review my file. This should NOT take years. I have sent emails, talked to countless customer service reps on the phone, and even been told that I am not allowed to talk to the staff who actually handle the file reviewing because they do not take phone calls. I was not allowed to speak to a supervisor either. This is ridiculous and I intend to file a complaint with the XXXX XXXX XXXX, the Consumer Finance Protection Bureau, and I am also looking into lawyers. Does FedLoan Servicing understand that they are messing with people 's futures when they do things like this?
Consumer complaint received 2022-03-16
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: CAPITAL ONE FINANCIAL CORPORATION (MI)

I was in a car accident and the vehicle was totaled. There was a balance on the car loan, however Capital One agreed to a lesser amount. My credit report is stating that I have never made a payment when indeed I have NEVER missed a payment since the accident. I attempted to dispute this but was unsuccessful. Both Capital One and XXXX are saying otherwise. I will submits all bank statements dating back to the accident to prove that the money comes out of my account every month.
Consumer complaint received 2016-02-11
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Debt Management Incorporated (RI)

I was contacted by XXXX with Debt Management Inc., in regards to an alleged account with XXXX XXXX XXXX XXXX in RI. I informed XXXX that this is a disputed debt that I was told that this procedure was approved prior by the medical office. I shortly after was send a bill and contacted the insurance company. The insurance company informed me that it was not approved because it was coded incorrectly. I explained the same to XXXX who insisted that she already heard the story and I still need to pay the bill. She told me to purchase a prepaid card and pay an amount every week. She told me if I do not she would report this to the credit reporting agencies and would notify XXXX that I am refusing to pay. I am not certain but I cant image how a refusal to pay and a disputed debt fall under the same criteria. She just kept telling me she hears it all the time and I need to pay, She never gave me my mini Miranda rights and I advised her to speak to my fiancee and she advised him the same. Document as a refusal and report to credit reporting agencies.
Consumer complaint received 2024-03-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2023-07-20
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. (KY)

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 corrected for erroneous reporting in my file are listed on my credit report XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$2300.00} XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$2300.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$2300.00}
Consumer complaint received 2023-07-20
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. (MO)

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$290.00} XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , MO XXXX XX/XX/XXXX XXXX XXXX XXXX , XXXX XXXX , MO XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX , MO XXXX XX/XX/XXXX XXXX XXXX XXXX , XXXX XXXX , MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX , XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, MO XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX Balance : {$10.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$27000.00} XXXX XXXX Balance : {$300.00} XXXX XXXX XXXX XXXX XXXX, XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX Not Reported XXXX XXXX XXXX XXXX Balance : {$290.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX
Consumer complaint received 2016-12-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (NC)

I has tried about 3 months with the Ditech. any time the customer services tell me different story regarding my account and it gets worse every time which they charge my homewoner insurance on escrow 4 times and get XXXX refund with called Tax refund. they information i got is totally confusion and different with the rep on the phone.
Consumer complaint received 2023-07-20
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. (IL)

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 2023-07-20
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)

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or update the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2015-08-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Tormey Bewley Corporation (NM)

sent payments for account with the collection agency and demanded written proof of the account being cleared and paid along with written proof being reported to all XXXX credit bureaus. conversed by phone and written letters and was promised documentation via phone XXXX/XXXX/15. since then XXXX additional letters were sent and the last certified mail and demanded written confirmation within 7 business day after receipt. i have received nothing to date. copies of cancelled check available.
Consumer complaint received 2022-03-16
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: Experian Information Solutions Inc. (PA)

This is XXXX XXXX this is not a 3rd party I am submitting this complaint myself all documents and identification is in attachments. Please see attachments for what happened with my Situation.
Consumer complaint received 2023-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I am formally requesting the removal and deletion of the following accounts and associated information from my consumer report. It has come to my attention that these accounts should not have been reported on my consumer report, and their presence is a clear violation of the FDCPA and FCRA. I insist that these accounts and information be promptly removed from my consumer report to comply with the relevant laws. I demand their immediate removal to rectify this violation.
Consumer complaint received 2024-03-13
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. (OH)

I looked at my report on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts XXXX XXXX XXXX XXXX XXXX XXXX  are not complete and accurate. 
I sent a letter asking them to make sure everything is complete and accurate and here is my tracking number : XXXX XXXX XXXX XXXX XXXX XXXX  They sent me investigation back and said everything is complete and accurate but if you check my attachments everything is not complete and accurate And according to 15 USC 1681i 5 they are suppose to do this ( 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 inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to this law they are suppose to provide me a description of the investigation according to 15 USC 1681i ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. But they did not do that as well either. and according to 15 USC 1681s-2 they are suppose to 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 2023-02-07
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. (TN)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-07-20
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. (CA)

In accordance with the fair credit reporting act the following companies listed below, EQUIFAX, XXXX both have violated the following FCRA laws. 15 U.S. Code 1681- Congressional findings and statement of purpose. ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, regarding the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 15 U.S.C 1681 Section 604 ( a ) ( 2 ) IN ACCORDANCE, WITH THE WRITTEN INSTRUCTIONS OF THE CONSUMER TO WHOM IT RELATES. The Following Inquiries are Unauthorized, Unverified, Incomplete Inquiries Listed Below : 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 2021-08-24
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. (PA)

On XX/XX/2020 & XX/XX/2020 XXXX XXXX XXXX has placed a false inquiry on my credit report that I did not initiate nor authorize.. I have reached out to them to dispute on numerous occasions with no response. They are violating my rights and harming me
Consumer complaint received 2021-02-15
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. (TX)

XXXX XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX Balance : {$2400.00} Charge off These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.