davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-01
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$48000.00} ; XXXX XXXXXXXX Balance : {$360.00} ; XXXX XXXX XXXX Balance : {$340.00}
Consumer complaint received 2021-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I've been trying to reach out to Transunion, they have not given me access to my CONSUMER REPORT and XXXX  REPORT. I have attached screenshots as proof
Consumer complaint received 2021-10-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sequium Asset Solutions, LLC (GA)

Sequium Asset Solutions. LLC. 

Sequium Asset Solutions , LLC. is attempting to collect a debt that does not exist with XXXX. 

Further, XXXX XXXX XXXX, XXXX. is breaking the law under the Federal Credit Reporting Act ( FCRA ), overseen and enforced by the Federal Trade Commission ( FTC ). Sequium Asset Solutions , LLC backdated the Collections Account entry to my Credit Reports for XX/XX/XXXX ; however, the collections account was entered into my credit profiles on XX/XX/XXXX, and I had not received written notice of potential debt or any information pertaining to negating said debt. 

Today, XX/XX/XXXX, I received a letter from Sequium Asset Solutions LLC., dated XX/XX/XXXX informing me of the proposed debt. 

The Fair Credit Reporting Act ( FCRA ) protects consumers from this practice in two ways. First, it requires a creditor to inform the consumer when it is reporting negative information about you to a CRA. Second, it limits the amount of time negative information can remain on your credit report. When debt buyers fail to inform a consumer that it has reported the debt to a CRA or falsifies dates in order to park old debt on your credit report, it is breaking the law. 

Sequium Asset Solutions , LLC. has violated the Fair Credit Reporting Act ( FCRA ), which is illegal.
Consumer complaint received 2021-10-10
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: NAVY FEDERAL CREDIT UNION (FL)

On XX/XX/XXXX at XXXX, {$250.00} was debited from my XXXX prepaid card from Navy Federal Credit Union XXXX The authorized payment was approved with auth code XXXX. 

At XXXX, per my XXXX account details I was changed an {$250.00} from Navy Federal Credit Union XXXX The payment was debited with auth code XXXX. 

That same day, I contacted both XXXX and Navy Federal in hopes of resolving the duplicate payment error. However, I was advised by Navy Federal they are only reporting one payment received from me. Even after providing the authorization codes and dates, I still havent received my {$250.00} back. 

I filed a debit card dispute with Netspend and I feel they did not do a thorough investigation per Regulation E. I also feel that both XXXX and Navy Federal are violating UDAAP regulations as it pertains to the lack of services received.
Consumer complaint received 2021-10-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Upon information and belief based upon media reports the Bank of America is illegally and without my knowledge or permission reporting certain of my financial information to government! 

And so if I transfer, say, {$1000.00} from my Social Security check deposited with the Bank of America to another bank, the Bank of America reports this even though there is no additional income involved but just a transfer of my Social Security money! 

If this be so, it is intolerable and illegal and totally and completely un-American! 

I respectful want and demand a written statement that this be not so or that it is so if it is so!
Consumer complaint received 2021-10-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sentry Credit, Inc. (TX)

XXXX ON FRIDAY XXXX A CALL CAME IN FROM XXXX AT XXXX AM TO MY PHONE NUMBER XXXX. SOMEONE WAS CALLING FOR XXXX XXXX. I TOLD THEM THIS IS XXXX XXXX AND THIS HAS BEEN MY PHONE NUMBER FOR SEVERAL YEARS NOW. AND ASKED WHO IT WAS THAT WAS CALLING ME, THE COMPANY NAME, THE PERSON INSISTED ON ASKING ME AGAIN IF I KNEW XXXX. I TOLD THEM NO AND ASKED AGAIN FOR THE NAME OF THE COMPANY THE PERSON WAS CALLING ON BEHALF OF WHEN I WAS HUNG UP ON IN MID SENTENCE. 

AN INTERNET SEARCH SHOWED NO RESULTS FOR THE PHONE NUMBER I WAS CALLED FROM. SO I CALLED THEM BACK AND TOLD THE LADY THAT ANSWERED THE PHONE WHAT HAD HAPPENED AND ASKED FOR THE COMPANY NAME. SHE TOLD ME WHAT SOUNDED LIKE CENTRUY CREDIT, BUT WHEN I LOOKED UP THE INFORMATION ON THE INTERNET, THERE WAS ALSO A DEBT COLLECTION COMPANY THAT GOES BY THE NAME OF SENTRY CREDIT. 

SO I CALLED THEM BACK AND THIS TIME I ASKED THEM TO SPELL THEIR NAME. SENTRY CREDIT INC. 

XXXX CALLED ON FRIDAY XXXX AT XXXX XXXX  A CALL CAME IN FROM XXXX, ASKING FOR XXXX XXXX. I TOLD THEM THIS WAS XXXX XXXX AND THIS WAS MY NUMBER. I ASKED FOR THE NAME OF THE COMPANY THAT WAS CALLING ME AND I WAS TOLD IT WAS SENTRY CREDIT. I ASKED FOR THE NAME OF THE PERSON CALLING ME, I WAS TOLD XXXX. I TOLD THEM I DO NOT KNOW A XXXX XXXX AND THAT I HAD TOLD THEM THIS THE LAST TIME THEY CALLED ME.
Consumer complaint received 2021-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (TX)

Credit acceptance is being reported as a collection on all 3 of my credit bureaus, this was NEVER a charge off/collection. This was an auto loan with monthly installments. I paid it off in full XX/XX/2020 with no remaining balance. This account should NOT be considered a charge off/collection account. I have sent two letters to credit acceptance with NO response from them so I am asking for your help. I had XXXX in XXXX and got behind in this auto payment but always paid it so its really disheartening that they have put it under a collection/charge off because this was never the case. I paid it weekly and then paid it off. Thank you for looking into this as I am trying to purchase a home for my family of XXXX with my XXXX being in XXXX. I really need this deleted off my credit bureaus if possible. 

Credit Acceptance XXXX XXXX XXXXXXXX XXXX, MI XXXX XXXX XXXX - account # XXXX
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AL)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EXPERIAN, XXXX AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have requested that the below addresses be removed from my credit report, I haven't lived there and don't recognized the addresses : XXXX XXXXXXXX XXXX XXXXXXXX TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX The address that have been at for a number of years is : XXXX XXXX XXXX XXXX, OH. XXXX
Consumer complaint received 2021-10-10
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. (OH)

I have requested that the below addresses be removed from my credit report, I haven't lived there and don't recognized the addresses : XXXX XXXXXXXX XXXX XXXXXXXX TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX The address that have been at for a number of years is : XXXX XXXX XXXX XXXX, OH. XXXX
Consumer complaint received 2021-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

I have contacted all three Credit Bureaus/Agencies XXXX XXXX XXXX Equifax, XXXX ) and the Creditors XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately.
Consumer complaint received 2021-10-09
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)

I have asked for these companies to provide me with Identifying the person who had these accounts under my name. I have asked for proof of debt over five months ago and have yet to receive proof nor a response.
Consumer complaint received 2021-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I would like to submit an address update to my file, The only addresses that should be on my report are XXXX XXXX XXXX XXXX Ohio XXXX and XXXX XXXX XXXX XXXX Ohio XXXX. 
The other addresses need to be removed immediately as I haven't lived there in over 10 to 20 years. No accounts are relevant to those outdated addresses.
Consumer complaint received 2021-10-10
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. (TX)

On XX/XX/XXXX, 2020 an account was opened and I was approved for a line of credit. XX/XX/XXXX2021 I order a cease and desist and a letter to verify who is the original creditor, but I received no response. I also sent an sent an invoice with federal law violations that XXXX XXXX violated and never received a response. Also my card is froze and unauthorized information has been added to my credit report. 15 U.S.C. 1681b ( 2 ) states that consumer reporting agencies shall not report any information unless the consumer gives written instruction to do so. I haven't given any written consent to report anything positive or negative on my consumer report.
Consumer complaint received 2021-10-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (CA)

Beginning XXXX, our home was designated flood area and our mortgage carrier BBVA compass sent out a notice that we must purchase floor insurance by XX/XX/XXXX. If we don't comply, they will purchase one for us. I began my search for a carrier by asking my insurance agent on XX/XX/XXXX. It took about 2 months to obtain my own insurance which went into effect XX/XX/XXXX at annual cost of {$650.00}. BBVA collaborated with a company, XXXX XXXX XXXX XXXX ) to provide coverage beginning XX/XX/XXXX. They charged me {$2900.00} for a 12 month period, which is substantially higher than the rate I received from the carrier my agent found for me. 

I didn't realize obtaining flood insurance takes such a long time, and I assumed my mortgage company would find us a reasonable coverage with market standard fees. That is the only reason I didn't attempt to find my own coverage. Now I learn the fees charged by XXXX is exorbitant and not a customary price for this type of insurance. A $ XXXX  monthly added cost to my mortgage payments, would send me into foreclosure during this tumultuous period and I can not believe BBVA would in good faith cause such harm to their clients. It was this outrageous pricing that prompted me to look for another carrier. I started to think BBVA and XXXX cornered us into accepting this ridiculously priced policy because they thought we are clueless consumers without a choice in the matter as truly many of us likely are unfamiliar with flood coverage mandates. According to XXXX XXXX XXXX XXXX, that legislation on flood insurance has taken numerous twists and turns since inception in XXXX, and even so " the flood insurance requirements are still the least understood and most violated. '' I believe I am a victim of bankers and insurance company taking advantage of my naivety. 

I reached out to BBVA and the insurance handling department several times to ask for forgiveness and refund of {$760.00}, but got the same response : " we are required by policy to carry flood insurance and that date of coverage was XXXX, and we can not remove the charges. '' Furthermore, because BBVA sold to XXXX XXXX, and they will not handle any more calls or complaints at this time. There were not flood related claims during this period. I didn't need the coverage and would never have agreed to their exorbitant pricing had I been given a chance to search for a similar product on the free market.
Consumer complaint received 2017-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: AMERICAN EXPRESS COMPANY (OR)

XXXX    XXXX   XXXX   XXXX   housing settlement. The attorneys embezzled it and put my children up for  XXXX . They used my credit by filing a false me in in chikd support against me then had me   XXXX   and now a credit REPORT shows I am a   XXXX   and the order to be dismissed is not there. It keeps me from getting jobs or credit.     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX
Consumer complaint received 2023-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

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. 

Account name : Bankruptcy XXXX XXXXdischarged reference number 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 aiso 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 2021-10-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE (CA)

I signed up with Barclays Bank for an Uber Rewards credit card. As of XX/XX/2021, I have accumulated at least {$1000.00} in rewards, but I can neither access my rewards, nor use them to pay for my purchases. I contacted Barclays Bank to fix the problem, they referred me to Uber. I contacted Uber on XX/XX/2021 via their app. Uber responded that they are aware of the problem, " are working on it '' and would get back to me. All communications are through the Uber app, and there is no resolution in sight.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

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 accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and DELETION because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I recently reviewed a copy of my credit report. It indicated that credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-09
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Neon Newco Corporation (AR)

I received my XXXX stimulus payment in XX/XX/2021. I dont carry that card daily. It was an old payroll card from a previous job, but it is the card I was using the last time I giled taxes, so I kept the account open to not complicate the government and IRS not being able to have a correct direct deppsit method. My Netspend skylight one card was in my jewelry box in my bedroom, although the card info was saved on my XXXX XXXX. Someone must have stolen the card from my jewelry box without me knowing. I intended on saving this money for worse times, so imagine my surprise when i realized it was gone. I made online purchases using my XXXX XXXX, but the charges made in store with physical card I did not. On XX/XX/2021 when I rralized my card was missing and these fradulant charges were there i immediately contacted skylight one and filed a dispute immediately. I called first. I was told to write a letter and documenting each transaction, an explanation of what happened, updated contact info, and claim number to an email address for documents concerning the dispute. So i did. 
I receive a confirmation email from the company ssying they had until XX/XX/XXXX to investigate the aim and i eouldnt know anything until then. I called on XX/XX/2021 at XXXX XXXX  to be told they fiund " no error '' in my dispute. After asking for an explanation, i was rold an email with documents wpuld be emailed to me immediately. 
I never received it. The following morning. I called the customer service number again and spoke with car XXXX. He explained that it would take ten days to get to email to me.i then emailed again this time crommy secure i box on their app... i have asked more than theee times to have their conclusion and reasoning along with any other documentation on how they came to the conclusion to deny my claim. I still haven't heard anything. The claim number is Claim # XXXX. Company name is netspend skylight one.
Consumer complaint received 2021-10-09
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. (TX)

This dispute is for the XXXX XXXX  account on my report. It reports Collection charge off when it was never charged off its all reported as a collection until recent. This account balance has been paid in full please remove from my report. Thanks
Consumer complaint received 2021-10-09
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. (OH)

I am not an attorney or third- party rep, there are accounts on my credit report that does not belong to me and believe that this is an act of fraud. I have a legal right to dispute the following accounts : -XXXX XXXX # XXXX -XXXX # XXXX -XXXX XXXX XXXX # XXXX -XXXX XXXX XXXX # XXXX -XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX  # XXXX -DEPT OF EDUCATIONXXXX XXXX ( date open XX/XX/XXXX ) -DEPT OF EDUCATIONXXXX XXXX ( date open XX/XX/XXXX ) -DEPT OF EDUCATIONXXXX XXXX ( date open XX/XX/XXXX ) -DEPT OF EDUCATIONXXXX XXXX ( date open XX/XX/XXXX )