davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I've recently received my consumer report from EQUIFAX and noticed that there were unauthorized accounts being furnished.On XX/XX/2022 I wrote a letter which was sent overnight and received XX/XX/2022 tracking number being XXXX ( confirmation attached ) In this letter I've communicated to EQUIFAX letting them know that I was aware of the fraudulent accounts reporting on my consumer report. ( XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX ) I also explained to EQUIFAX that XXXX hadn't given them written or oral consent on my behalf which according to the FCRA are required before any consumer reporting agency furnishes any account.According to 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.With EQUIFAX reporting these accounts they are in violation of that subsection as well as 15 usc 1681 ( n ) ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. I'm demanding EQUIFAX TO BLOCK AND REMOVE the accounts listed above or I will presume litigation for all damages caused by this consumer reporting agency.
Consumer complaint received 2021-07-21
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. (OH)

ATTENTION XXXX, XXXX, TRANS UNION LLC THIS IS XXXX XXXX, THIS IS NOT A THIRD PARTY REPRESETATIVE. ALL THESE STATEMENT ARE FACTUAL AND MY OWN WORDS. 

On XX/XX/2021 I sent a letter regarding accounts on my consumer report which are in violation of federal consumer protection laws and that I requested to have remove because of such reason. I've recently mailed a follow up letter on XX/XX/2021 via certified mail to address the inadequate investigations into the incorrect information you have listed on my consumer report. 

Regarding the accounts named ; US Department of Education. There are four different account with four different balances, two different opening dates, and one account number. And you claim these are accurate and valid but have yet to prove it pursuant to USC 1681g.

Along with the violation listed below that has been quoted from my letter, " Pursuant to 15 USC 1681 a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device shall be excluded from my consumer report. According to Congress the definition of a credit card is the same in 15 USC 1681 as it is in 15 USC 1602. Pursuant to 15 USC 1602 ( l ), the term " credit card '' means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Notice Congress said ANY card. The credit card is my social security card. '' And lastly with the major violation " pursuant to 15 USC 1692e ( 14 ) which prohibits. " The use of any business, company, or organization name other than the true name of the debt collectors business, company, or organization. On my credit file it does not state the true name of the debt collector Which is a third party contracted to the alleged debt. ". If the prior investigations were done properly and under the statue of the law we wouldn't have this issue. 

When I call and relay these concerns to your customer service staff I receive rude and unsatisfying service that tends to ruin my day. I do not appreciate the harm and damages done by your agency due to your carelessness for consumers through your improper reporting methods.
Consumer complaint received 2021-03-09
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 am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are inaccurate and unverified items. These have impacted my ability to receive credit and have provided unnecessary inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on 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 'S XXXX XXXX, XXXX  XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX / XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX XXXX. As stated, in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.
Consumer complaint received 2024-03-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX  Account Number : XXXX XXXX  Account Number : XXXX
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-07-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (CA)

I began receiving phone calls and letters from Credit Collection Services ( AKA CCS, claiming to be based in XXXX, MA ) attempting to collect a debt for XXXX, my auto and motorcycle insurance carrier. The options offered in the letter were to call the call center, submit payment online, or write a check to " XXXX '' ( though there is an addendum that " CCS may process payment as a one-time electronic funds withdrawal using information from your check. " ). I contacted XXXX who confirmed that I have no outstanding debts with them. I attempted to call the CCS Call Center number included on the letter and it is not a working number. This is clearly a scam
Consumer complaint received 2021-03-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

Upon receiving my recent Credit report, I have found information regarding debt that is being claimed against me. 
I've been working diligently to improve my credit, despite having difficulties with collection agencies in the past. I've done my research on debt collection practices and how to manage my personal finances better. I've been saving for quite some time to pay off my accounts and finally did. This was difficult as the collectors were unwilling to work with me at times. That said I was able to pay off the accounts by starting with a new slate on my credit. The collection agencies in question have not removed the accounts from my credit report yet the rest being damaged because of it. They informed me that they would stop reporting the accounts but haven't.
Consumer complaint received 2021-03-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC. (NH)

I signed up for a promo offer whereby they offered {$600.00} to open a checking+savings account with direct deposit and at least {$15000.00} deposited up front and {$500.00} deposited within 60 days. They only paid XXXX. I had a phone conversation when I opened the account in ( XX/XX/XXXX ) to confirm everything was done correctly ( after I funded and set up direct deposits ), which they confirmed was done properly. Of course, now they are saying there was some technicality on the back-end with an opening date on one of the accounts not being exactly the same as the other ( I opened and funded both accounts on the same day ( XX/XX/XXXX ) ). I have spoken to 2 people after waiting on hold for over an hour each time, and both hung up after putting me on hold while getting manager. Dont do business with Citizen 's Bank! They will not honor the promotions, even if they confirm they will!
Consumer complaint received 2023-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Account name XXXX XXXX XXXX XXXX Account number XXXX I obtained a XXXX XXXX XXXX in XXXX. UAS connect claims that this loan became delinquent in XXXX because they do not have documentation on this loan prior to XXXX. However, I was a full-time student from XXXX and XXXX so it is not possible that the loan became delinquent in XXXX. This loan became delinquent in XXXX prior to re-starting school and therefore should have fallen off my credit score report. 

I believe that UAS Connect either lost my loan information prior to XXXX or are incorrectly reporting my loan history since I legally changed the spelling of my name in XXXX. This XXXX XXXX XXXX XXXX that I obtained 13 years ago is unjustly hurting my credit and my current financial opportunities. 

I have attached proof of my full-time student status in XXXX, which disputes the proposed date of delinquency. I have discussed the above with UAS connect multiple times and they have failed to produce any loan documentation prior to XXXX. I believe they have mishandled case. I have made multiple disputes with XXXX and they have failed to give detailed information as to why they are dismissing my dispute.
Consumer complaint received 2024-03-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

I am disappointed to have received a credit report that contains inaccurate information about me. As per the Fair Credit Reporting Act, it is my right to dispute any information that I believe to be incorrect. I take this matter very seriously and I am deeply concerned that these false allegations of delinquency and derogatory information could harm my reputation and financial well-being. 

Although I am fighting back with all my strength, I need your cooperation to resolve this issue. I kindly request you to provide evidence that justifies why my accounts are considered to be in a negative state. It is my understanding that any data included in my file must be documented and validated before it can be used by creditors, as mandated by the law. However, it appears that your records are not meeting these standards. 

I feel let down that you are not doing your job properly, and I am concerned about the potential consequences that this could have on my creditworthiness. Therefore, I am giving you 30 days from now to address this matter and provide me with physical proof of your actions and my updated credit report. 

I hope that everything can be resolved in a timely manner without the need for intervention or escalation. Please provide accurate and verified information for each claim, as the allegations against me are not true. I am deeply disappointed to have to dispute these claims, but I will not let inaccurate information harm my financial well-being. 

Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Listed below are the Inquiries that are being challenged XXXX XXXX XXXX
Consumer complaint received 2023-03-26
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)

The credit bureaus keep disrespecting the law.I showed them multiples times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts tht are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus DONT HAVE WRITTEN PERMISSION from me According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation errors A person shall not furnish information relating to a consumer to ANY consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specified information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on ... ..... 

The credit bureaus have no respect for the laws. 
Someone needs to hold them accountable for this
Consumer complaint received 2022-10-15
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: Experian Information Solutions Inc. (CA)

XXXX # XXXX INACCURACIES ON MY CREDIT REPORT ARE HIGHLIGHTED!! 
DATE OF LAST ACTIVE, DATE OPENED, ACCOUNT RATING, PAYMENT STATUS, LAST PAYMENT ARE ALL DIFFERENT.. ACCORDING TO FCRA THAT ITS BUREAUS RESPONSIBILITY TO REPORT ACCURATE AND CONSISTENT REPORTING OTHERWISE DELETE IT OR FACE XXXX FINE PER VIOLATION. 

( b ) ACCURACY OF REPORT 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
Consumer complaint received 2021-03-09
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. (MI)

writing to delete the following inaccurate, contradictory information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make these alleged charges. I ask that the items be permanently deleted from my credit report and updated.
Consumer complaint received 2017-07-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: SUNTRUST BANKS, INC. (MD)

Greetings, I was trying to get money from my account. My stylist was trying to cash a check I gave him and he was not able to do so. Sun Trust Bank called me. I did not get the call, my ringer was off. I called my stylist and he informed me that the bank would not cash my check. I have had several problems with Sun Trust as I am used to banking at a credit union and the bank has fees and poor communication about the rules. I have had financial problems. However, in this case my balance was more than 50k on XXXX XXXX, 2017. I go into the XXXX Sun Trust and give the teller my federal id and an expired NC license with a current bank card. The teller does not accept my ids so I go to a desk and empty my purse to locate my license and the bank manager gets upset and tells me to leave. I remain calm and try to locate my license, I do. The bank manager tells me to get out of his bank. I call the police. The police mediates. I explain to the bank manager that I am checking everything he is doing against another bank and he stops the transaction. I want him at the least written up and at the most fired!
Consumer complaint received 2022-07-25
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. (AZ)

The inquiries and information listed in my report were inaccurate. I requested that they investigate it and analyze my files by sending letters to all three credit bureaus. The reality that this information continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inaccurate information and inquiries listed below as a result. 
CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Date Updated : XX/XX/XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX Updated : XX/XX/XXXX EMPLOYER : XXXX XXXX  Date Updated : XXXX XXXX Date Updated : XX/XX/XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-05
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. (IL)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-03-26
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. (AL)

You are violating my rights! I sent disputes which you arnt investigating. I have electronic trracking saying you Equifax received my dispute via fax XX/XX/23 at XXXX XXXX XXXX. I have information from USPS saying you received my dispute in the mail XX/XX/23 at XXXX XXXX XXXX XXXX Why are you not doing a proper investigation. Delete these inquiries. You need to re investigate.
Consumer complaint received 2019-09-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (IL)

My wife and I currently have a student loan with Navient. The loan was transferred from SalleMae to Navient back in XXXX. Since our loan has been with Navient, my wife and I have seen our loans almost double. We are currently on an income-based repayment plan which was a program we had to find ourselves and was never offered by the lender. We didn't find this program until XXXX ( according to the records of filed IBR applications on StudentLoans.gov ). We contacted Navient several times to let them know we couldn't afford to pay our student loan. Every time we called, we were told we had to pay the full balance of what was due or we would be sent to collections. When we told them we couldn't pay, we were told our only option was to go into forbearance. 

Due to the unnecessary forbearance, we have see our loans grow substantially ( My loan at the time Navient took over was {$17000.00} and it is currently at {$31000.00}. My wife 's loan was originally at {$12000.00} and it is currently at {$19000.00} ). We trusted our lender was providing honest information to us, but after seeing our loans continue to grow in size, I feel that we were misled so that Navient could make a profit off our situation.
Consumer complaint received 2022-10-15
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-10-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

This Was Part Of Divorce Decree On XX/XX/2021 Decree # XXXX XXXX  It is not my financial Obligation Anymore, as it belonged to my Ex Spouse. I was Relieved from my debt by a court order, Ordered by A Judge XXXX XXXX In A XXXX, Washington XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

XXXX : XXXX XXXX Account # XXXX Transunion : XXXX XXXX Account # XXXX XXXX : XXXX XXXX Account XXXX : XXXX XXXX
Consumer complaint received 2024-03-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

All companies involved have infringed on my right to privacy as granted by federal law and failed to provide necessary disclosures. I have tried to resolve this issue amicably now I am requesting immediate action. Please correct this information from my credit file. XXXX XXXX XXXX Balance : {$82000.00}
Consumer complaint received 2022-10-14
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 — Investigation took more than 30 days
Company: BMW Financial Services NA, LLC (CA)

I submitted documents to show a 90 day late on an account that was closed for multiple years. The information on the account was incorrect. 
I submitted certified letters requesting transactional information regarding the sale of the vehicle by the creditor