davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-14
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. (DC)

On my credit report that are reporting inaccurate information and keep refused to do a investigation regarding my request. I have contact the creditor that no longer hold the account and they are saying that provided them accurate information and I requested to see the result of the investigation in which they gathered the information and they refused. I would like for them to remove all XXXX and Dept of Education collections account they not longer has my account as XX/XX/2014. Therefore, They can not be sending information regarding status of my loan to the credit bureaus. Also, I asked them to validate the account that listed by XXXX XXXX and asked if they can provide me proof that this account belongs to me and they keep ignoring my request and continues to report the information as being accurate. I would like to see the proof of this investigation as well but they refused to provide me the information.
Consumer complaint received 2020-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (FL)

I had a security freeze with Experian due to identity theft. 
I recently requested to permanently remove it, but it is evidently still in effect, since I can not set up an account with social security due to the freeze still on. 

I tried to remove the freeze online, but got a problem message. I have tried numerous phone numbers, and ALL of the menus are messed up : either recycle questions, or only allow to put ON a security freeze. There is no way to talk with a person, although at one point in the past 10 years, according to my notes, I must have gotten through somehow.
Consumer complaint received 2020-01-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

XXXX ( grocery store ) XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Attempted to use an out of network ATM ( USAA terminal in main lobby ). The transaction proceeded as follows : 1 ) Inserted the ATM card 2 ) Machine asked if I wanted a balance on my receipt ( yes ) 3 ) Input my PIN 4 ) Machine printed a receipt and then asked if wanted something else ( yes ... machine had yet to offer a cash withdrawal ).

5 ) Selected fast cash ( {$40.00} ) 6 ) Machine showed an access fee of {$3.00} 7 ) I selected NO and walked way. 

According to my bank ( XXXX  XXXX XXXX XXXX ) I was billed {$1.00} twice.
Consumer complaint received 2023-03-16
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. (MI)

I have submitted numerous complaints to the 3 credit bureaus indicating the numerous errors being reported on my consumer reports. They all claim that they have verified that all information being reported is accurate. However, this is not the case. I am now in a position where I am unable to secure employment, buy a house, and Im unable to build up my business all due to the credit bureaus refusal to report accurately. Please remove all negative and inaccurate information in my reports. This whole situation is ruining the quality of my life and my familys. Please see attachments. The attachments display all inaccuracies and unverified information. I am not requesting any more investigations, I want everything deleted from my reports that is negative and inaccurate. Do not investigate! Delete this unverified, inaccurate and fraudulent data. The bureaus have multiple credit profiles for me. This is a violation of my consumer rights. Please correct my name, address and delete all negative data from my consumer report immediately.
Consumer complaint received 2018-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Diversified Consultants, Inc. (FL)

Hello I am doing this complaint because I have old accounts and collections and the companies are constantly illegally reaging the accounts I've had no contact with them directly and no reason for them to keep free aging the accounts on top of that they are constantly reporting late payment history on the accounts further damaging my credit history I am legally XXXX I don't make much money and these accounts are severely hurting my opportunities to be able to rent or purchase a decent home for my child to have a happy life if you guys can please help me with this it will be greatly appreciated because he's collection companies now and days don't care how badly they ruin your life I was a victim of identity theft and that hurt me quite a bit as far as my credit history goes and it's been very difficult to fix the problem on my own because I do not have funds to pay somebody for credit repair
Consumer complaint received 2022-12-31
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: CORELOGIC INC (FL)

Credco is not reporting accurate information. According to [ 15 USC 1681e ] ( b ), 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 to whom the report relates.
Consumer complaint received 2020-03-07
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. (OH)

Recently while conducting a monitor of my credit report I discovered some items that have unverifiedinformation. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. Additionally, I am allowed to protect my privacy and fromthirdparties. I do not recall releasing myinformation toathirdparty.

1.Please provide breakdown of fees including any collection costs and charges 2.Provide a copy of my signature with the provider of service to release my informationto you.

3.Cease any credit bureau reporting until the debt has been validated by me.

4.Please send this information to my address listed above and accept this formal complaint asmy formal debt validation request, which I am allowed under the FDCPA. Please note that falsification of the information you received from any provider can be perceivedas a violation of the FDCPA because you will bedeceivingme after my written request of debt validation. I request full documentation of what you receivedfrom the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me tovalidateit may be a violation of the Fair Credit Reporting Act, which can allow me to seek damagesfrom a collection agency
Consumer complaint received 2023-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CCS Financial Services, Inc. (FL)

They are reporting the account as open when the account is closed. And I asked them to provide proof of validation of the account that shows a legal binding contract with me and the creditor I wasnt provide anything. But the account was deleted off my XXXX, and XXXX credit report but not my XXXX report.
Consumer complaint received 2023-03-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting Act, The following account has violated my rights : XXXX XXXX XXXX Acct # XXXX XXXX Section 602 A. States I have the right to privacy. 15 U.S.C. 1681 Section 604 A. Section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions. This company is attempting to collect a debt. I've never done business with this company nor am I aware of who they are. They have not provided proof that I have signed anything. They have damaged my credit because of this and are causing a lot of stress in my life due to this act.
Consumer complaint received 2020-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: ID Analytics, Inc. (VA)

I received a very low credit score ( compared to XXXX, XXXX, and XXXX  ) from this company, SageStream , LLC. When I tried to call them at the number provided, I could not speak to a human, only leave a message. 

When I tried to request a detail of their report on my credit history online, the system abruptly shut me out and directed me to their phone number where, again, there was no option to speak to anyone. 

I've never heard of this company and, sadly, it was required that I supply them my birthdate and social security number online to gain access to my report ( which, as referenced above, was not shown to me ). 

Online complaints about this company are numerous! People 's credit scores are being trashed and, when they inquire why, SageStream , LLC tries to sell them credit fraud prevention services. I never got that far ; but the outgoing message on their voice mail says someone will get back to me within 24 hours. We'll see ...
Consumer complaint received 2023-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: FIRST INTERSTATE BANCSYSTEM, INC. (MT)

Multiple times, through Dispute letters, I have tried to fix the incorrect information on this account, with XXXX XXXX XXXX XXXX. XXXX then would contact First Interstate Bank and the account would come back with the incorrect dates, incomplete information, and missing data and was verified accurate by First Interstate Bank. Leaving the Report INACCURATE. The Account information for this complaint is taken from an XXXX credit report # XXXX for XX/XX/XXXX. The account is XXXX. This is a joint account with my spouse. I will attach 3 documents that First Interstate Bank and XXXX provided. When you examine the documents you will find that the Date Opened is incorrect This account date is taken from the provided documents and is recorded as being opened XX/XX/XXXX ( Error 1 ). Upon examining these documents you will see many months of activity. Terms ( 1 Months )????? what does this mean ( Error 2 ). Monthly payment ( NOT REPORTED ) missing information ( INACCURATE ) ( Error 3 ). Upon examining the provided documents is you will find a credit limit. The XXXX Report shows the Credit Limit is labeled ( NOT REPORTED ) making the report ( INACCURATE ) ( Error 4 ). Upon examining the documents you will find the High balance is ( INCORRECT ) ( Error 5 ). Recent Balance is ( NOT REPORTED ) ( Error 6 ). The payment history has been left blank ( INACCURATE ) ( Error 7 ). By Law FCRA sections 609 and 611 require thar Creditors and Reporting agencies provide accurate reporting of accounts. Should they not do so the account will be delete. There are many Errors on this XXXX Credit Report which have been VERIFIED as accurate by First Interstate Bank.
Consumer complaint received 2023-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/2023 letters were sent out to the bureaus to correct inaccuracies on my credit report. Incorrect names, addresses, phone numbers and employers were listed and I asked for the removal and deletion of these items. There were also unknown inquires listed that I do Not have an account for and are unaware of who requested these inquires without my written consent. I want all these inquires deleted as stated in my FTC report.
Consumer complaint received 2024-01-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.
Consumer complaint received 2022-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I have checked my credit report and saw items appearing that I am not aware of. I already have sent a dispute with the credit bureaus demanding to make an investigation and delete these items on my report but I have not received any response and this is a violation of my rights. Below is the item appearing. 

XXXX 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 2020-01-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

PayPal transaction ID XXXX. For XXXX  XXXX XXXX XXXX. 

XXXX Ordered XXXX lbs of protein powder on XXXX XX/XX/2019. Vendor did not ship product. When asked for them to reship they said they would. They shipped a 37lb box ( for 7lbs of protein ). Box never  arrived. Vendor refuses to acknowledge emails. 

PayPal was intermediary on payment and processed said payment. 

Parties : PayPal XXXX
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (LA)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX
Consumer complaint received 2020-01-14
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (CO)

I have had 6 of my students loans being serviced by Navient and all was well initially - I had 9 other loans that I have been working over the last 10 months with the Dept of Ed in rehabilitation to get them back on track that were transferred to Navient and all of sudden my monthly payments that we worked to arrange ( that I was making a way to actually be able to pay ) have been jacked up and was told my {$270.00} payment I had with the Dept of Ed was going to be raised to over {$1100.00} in a couple months! 
Clearly this puts me back in a defaulted state as its unsustainable. I called them and the rep said no expenses are considered - just family size and income, and I was offered forbearance as the only " other '' workable solution. The very thing that all the news stories are about them pushing people into. So the message is loud and clear - the only way to get a payment you can actually afford is to be in default?! 
I just want to keep making the payments I can afford that I had worked so hard to get arranged. Why is that 'impossible '???
Consumer complaint received 2020-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: SYNCHRONY FINANCIAL (GA)

Synchrony Bank has a Duplicate Account Reporting on my credit report for all 3 Credit Bureaus that needs to be removed. 

Synchrony Bank Account # XXXX I have attached the screenshot which shows the same account number for Synchrony Bank which they say that they sold to XXXX XXXX. XXXX XXXX uses the same account # XXXX as the Synchrony Bank Account which is listed as a duplicate. 

Synchrony Bank is reporting that I have closed my credit card which is negatively impacting my credit. I now have duplicate listings of the same account with XXXX XXXX which is the same account and card. 

I previously filed a CFPB Complaint against Synchrony Bank XXXX in which they said this account did not belong to them and failed to address this issue. 
MY COMPLAINT IS AGAINST SYNCHRONY BANK. MY COMPLAINT IS NOT AGAINST XXXX  XXXX.
Consumer complaint received 2022-12-27
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

This account is fraudulent due to Identity Theft. This is not my debt. A woman has been using my information to rent homes/apartments. I have filed a previous police report for another matter. The woman was arrested and later released. I have contacted Genesis Credit Management and was required to file this complaint. 

Genesis Credit Management ( XXXX ) XXXX PLACED FOR COLLECTIONS ON : XX/XX/XXXX XXXX & XXXX : XX/XX/XXXX Lease Dates XX/XX/XXXX, XXXX XXXX, XXXX Move out : XX/XX/XXXX Debt {$10.00}, XXXX Acct # XXXX
Consumer complaint received 2020-01-14
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NJ)

I have been a victim of identity theft on several occasions and learned through the process of disputing fraudulent accounts opened in my name that I was among the victims of the XX/XX/2017 Equifax data breach. 

Equifax refuses to provide a simple document stating this fact -- that I am among those victims. 

It is necessary for me to have such a document, as I am enlisting in the XXXX XXXX, and I was asked to provide evidence that I am the victim of identity theft. 

This is a fairly simple request, yet Equifax transferred me multiple times to multiple different departments, and no representative was able to help me. 

It is especially egregious that my request for such a document isn't being fulfilled since the very website of the data breach settlement administrator shows that I am, in fact, a victim of the breach. ( see attached PDF ) Moreover, Equifax 's online interface does not provide a digital record of past disputes past 30 days, and the company says it can only mail such documents. This is unacceptable in the digital age.
Consumer complaint received 2022-12-27
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. (MS)

XXXX XXXX XXXX XXXX account XXXX In accordance with the fair credit Reporting act XXXX  Account XXXX has violated my rights 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

15 USC 1666B : A creditor may not treat a payment on a auto loan account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-01-27
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: TRANSWORLD SYSTEMS INC (MD)

I have two account in collection on my credit reports that do not belong to me. The first is XXXX XXXX XXXX XXXX for creditor XXXX XXXX for {$380.00} made on XX/XX/2022. The second is Transworld Systems XXXXfor creditor XXXX XXXX XXXX ( Utilities ) For $ XXXX called XXXX first and all their systems were down until Monday. Then I called the collector XXXX XXXX XXXX and they told me to call XXXX XXXX. I called them and they said I needed to contact the FTC. I found them online and was directed to CFPB. 
These two accounts do belong to me. I assume they belong to two fraudulent names on my credit report : XXXX XXXX XXXX and XXXX XXXX XXXX. 
Both from Texas.