davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-13
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. (SC)

Back in XXXX and XXXX of XXXX, I had complications with my bank and they ended up withdrawal double the payment amount for a car payment, once the mishap was noticed, I had already received communication stating that my payment had not gone through. Mind you, I have 8 other obligations ( Loans are credit cards that were paid and processed ) I sent in XXXX the letter from my bank stating the mishap, I sent in my bank statements of the over withdrawal and the funds being sent back to me correctly from my bank, and I also sent in my bank statements that showed when I processed all payments, and I ended up making four payments to both XXXX XXXX, and XXXX XXXX XXXX  rewards and they still showed me for 30 days past due, even though I actually made the payments before the due date, then was made aware by my bank that there was a mishap with processing and they were to send me back funds. I immediately reached out to both XXXX XXXX XXXX  who then told me to reach out to the credit bureaus even though they knew it was at no fault of my own that the payments did not go through. They even sent me emails stating that the payments had been made. I have never had a late payment. 

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 any payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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 ) also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2017-08-22
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: Atlanticus Services Corporation (GA)

I ordered the XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. This item was delivered and assembled to my home by XXXX ( XXXX, XXXX ) on XX/XX/XXXX. I  contacted the return service XXXX XXXX XXXX XXXX to schedule a return of the equipment because I was not happy with the device. XXXX emailed me back on XX/XX/XXXX and quickly arranged for equipment disassemble and pickup from my home which occurred on XX/XX/XXXX ; this was within the 30-day return window. Since that time Fortiva has harassed me daily to pay for the equipment, they refuse to let me speak with a manager or supervisor, and now they have begun  to destroy my credit. Product_Or_Service : XXXX XXXX XXXX XXXX XXXX Order_Number : XXXX Total {$3400.00}
Consumer complaint received 2017-08-20
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (IA)

I was with Navient for my student loan servicing for many years. I would be asked to document my income every year and complain about the amount of my payments. I was offered and took a forebearance on many occasions and for extended periods of time as my principle balance increased and almost doubled what I actually borrowed. When documenting my income I always checked the block asking for the lowest possible payment. My loans were transferred to XXXX to take advantage of the PSLF program. During discussions with an agent she suggested a different repayment plan which would considerably reduce my payments. I asked her why when I was with Navient, if I always asked for the lowest payment when verifying my income, why would n't I already be in that plan. She explained there had been problems with Navient in regards to these types of issues. Having recently completed the change to the new plan my payment was reduced by approximately 40 %. I submitted a complaint to Federal Student Aid and recieved a letter fromNavient denying any wrong doing. I feel Navient has cost me thousands of dollars over the years.
Consumer complaint received 2022-05-13
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. (GA)

In accordance with the Fair Credit Reporting Act XXXX  Account # s : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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 ) also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-05-13
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. (LA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Bureaus Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX : XXXX XXXX  XXXX Balance : {$0.00XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/2020 XXXX XXXX XXXX XXXX Balance : {$0.00} Equifax : XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} Federal Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/2020 XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX : XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-05-13
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. (LA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Bureaus Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX : XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/2020 XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX : XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} Federal Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/2020 XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} TransUnion : XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

XXXX XXXX finally sent my credit report. I am a victim of identity theft. This has gone on for years and Experian, XXXX and XXXX maintain the false information. I must continue to provide information for them to update my credit correctly. 
I am in an unending circle of fraud, and it will not go away. Then the female that utilizes a MIchigan identification in my name has vehicles in my name that the State of Michigan will not do anything about because the vehicles are registered properly. 
I have NO vehicles at this time. I have all sorts of inquiries many years old that is reporting on my credit files that I did not approve. And when I issue a dispute with any of the XXXX bureaus, I receive correspondence that the information is correct. 
I need help. I am utilizing this XXXX XXXX report, but XXXX XXXX stated for me to file a claim with you regarding what I have experienced since 2008. 

I also had XXXX XXXX put a freeze on my credit report.
Consumer complaint received 2022-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX XXXX finally sent my credit report. I am a victim of identity theft. This has gone on for years and XXXX, XXXX and Transunion maintain the false information. I must continue to provide information for them to update my credit correctly. 
I am in an unending circle of fraud, and it will not go away. Then the female that utilizes a MIchigan identification in my name has vehicles in my name that the State of Michigan will not do anything about because the vehicles are registered properly. 
I have NO vehicles at this time. I have all sorts of inquiries many years old that is reporting on my credit files that I did not approve. And when I issue a dispute with any of the XXXX bureaus, I receive correspondence that the information is correct. 
I need help. I am utilizing this XXXX XXXX report, but XXXX XXXX stated for me to file a claim with you regarding what I have experienced since 2008. 

I also had XXXX XXXX put a freeze on my credit report.
Consumer complaint received 2015-07-20
Product: Other financial service — Check cashing
Issue: Customer service/Customer relations — 
Company: CrossCheck, Inc. (VA)

I wrote a check at my optometrist for glasses and they ran the check through Cross-Check for verification. The check came back declined, not for lack of funds, or bad check history, but the optometrist thought it was because the check number was too low. There is more than sufficient funds in the account. I contacted Cross-Check and you can not get a live person. I filled out a request for a credit report and reason and the report came and said : " Cross Check has detected no negative data regarding you or your check writing history. In addition, CrossCheck did not access any other source in evaluating whether to approve your check. Rather, in this instance, CrossCheck decided not to bear the risk of your check 's dishonor based solely on industry parameters that CrossCheck established. " This basically said that the industry parameters are their own and the declined the check because they felt like it. If it is indeed because the check number was too low ( although they did n't say so ) what should I do, throw out all my checks and start at XXXX? They have not given me a reason why I was forced to use a credit card. Will this random and arbitrary event happen again? This is outrageous. It 's also embarrassing to be told in public with lots of people around that your check was declined. They should not be able to make this determination without a real reason.
Consumer complaint received 2022-05-13
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: AMERICAN EXPRESS COMPANY (CA)

I recently applied for a line of credit through Amex. They has a hard time linking the correct bank account. I was told they could not link it because it was linked on another account. So they removed it and it still wouldn't linked. A trouble ticket was submitted. I have called and emailed and have asked for a call back and still no updates a or call back. But yet I'm still getting messages I show no money in my accounts because they still have the bank I don't use and yet no resolution or update on linking my current bank. no alternatives given. please see attachments.
Consumer complaint received 2022-05-13
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. (IL)

They have refused to fix or update my reports as I filed multiple disputes and have them the proper information. Not only did they not fix the error but they have allowed the reports to be updated. Their representative disconnected the call when I ask them to further investigate the errors.
Consumer complaint received 2017-08-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (GA)

On three consecutive business days ( XXXX XXXX,XXXX, and XXXX ), XXXX XXXX of Fay Servicing or his representative showed up physically at my property at XXXX XXXX XXXX, XXXX, GA XXXX and taped the identical letter, dated XXXX XXXX, XXXX, on my door on each of those consecutive nights. The letter requested that I call him directly at ( XXXX ) XXXX in order to " verify my current information and to discuss how [ we ] can work together to improve [ my ] mortgage situation. '' I called him at this number on XX/XX/XXXX at XXXX XXXX and my phone call went to his voicemail. I left a message reassuring him that I had received his letter, requesting that he not post it on my door anymore, and that I was calling him as he had requested. I asked him to call me back that evening or the next day ( XX/XX/XXXX ) between the hours of XXXX XXXX and XXXX XXXX, when I would be available to take his phone call. As of XX/XX/XXXX and I had not yet received a phone call back from him, so on that date I emailed him at the email address he provided asking that he reply to my email with specific instructions as to how to submit my Loss Mitigation Application. It is now XX/XX/XXXX and I still have not received a return phone call or email reply from him or Fay Servicing.
Consumer complaint received 2022-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX To : Equifax XXXX XXXX XXXX XXXX XXXX GA XXXX -or- XXXX XXXX XXXX XXXX XXXX, TX XXXX -or- XXXX Fraud Victim Assistance Department XXXX XXXX XXXX XXXX XXXX PA XXXX To my knowledge and records XXXX the following accounts do not belong to me and/or are fraudulent. 
Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
I challenge the accuracy, compliance and reportability of this listing please validate this information with all reporting companies that furnished this undue debt and provide me with copies of any documentation associated with these accounts, bearing my original wet signature. In the absence of any such documentation bearing my wet signature, I formally request that this information be immediately deleted from the credit file you maintain under my social security number. 
***I do not consent to e-Oscar or any means of automated verification. *** Please block the following information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

( Also See Identification Below ) ( Please see attached dispute letter to view the accounts that I am disputing ) ( Please see attached fraud affidavit )
Consumer complaint received 2024-05-23
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (CA)

Moved out of apartment a few years back in XX/XX/XXXX, apartment was leased out the following month. 
Apartment also had a fire a few months after I moved out. 

I disputed the transactions with the rental company, as well as offered to pay a settlement amount that was correct and in line with what was owed. 
After no response or letters, they forwarded the account to Genesis Cred. 
I never received any communication from Genesis until a text and a bunch of phone calls. 

I then attempted to speak to them and get the folio of what was at issue and what the calculation of the debts were. It was not sent to me, but after looking through my communication with the leasing company in XXXX, I found the move out statement. 

As mentioned to them, and to genesis cred, the numbers were wrong, and miscalculated and I offered a settlement of what seemed reasonably owed. I also asked for the statement of charges owed again today XX/XX/XXXX, and did not receive
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CO)

Subject : Urgent Action Required : Inaccurate Credit Reporting and Legal Violations To Whom It May Concern, I am writing to urgently address significant inaccuracies in my credit reports. These inaccuracies have persisted despite my efforts to correct them, necessitating immediate intervention to align with the Fair Credit Reporting Act ( FCRA ), particularly under sections 1681i and 1681s-2, which mandate the correction of any errors and the removal of fraudulent information promptly. 

My credit profile currently lists several accounts and inquiries that I categorically state are fraudulent. These include accounts with XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, and others, as well as numerous unauthorized credit inquiries across various financial institutions. The presence of these items on my credit report is severely damaging my financial reputation and causing substantial distress and economic impact. 

The FCRA provides that consumers have the right to have accurate information on their credit reports and that credit bureaus must correct any inaccuracies once notifi

ed ( 15 U.S.C. 1681i ). Moreover, entities that furnish information to credit bureaus have legal obligations under FCRA Section 1681s-2 to investigate disputes and correct inaccuracies. This letter serves as a formal demand for the immediate i
nvestigation and removal of these fraudulent entries from my credit reports in compliance with the FCRA. Failure to comply with this demand could result in actions for damages under FCRA Section 1681n and 1681o, which provide for legal remedies for willful and negligent noncompliance.

Moreover, I am considering forwarding this matter to the Consumer Financial Protection Bureau and the Federal Trade Commission for further action, including potential investigations into the practices of the credit reporting agencies involved. 

Please note that any failure to resolve this matter promptly will compel me to pursue all available legal remedies, including but not limited to litigation. 

I expect a response to this letter and a resolution to these issues by [ specified date ], after which I will proceed with further actions if necessary. 

Sincerely, XXXXXXXX XXXX XXXX
Consumer complaint received 2022-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission. Please review the enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2017-08-20
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

Over the past year and a half my credit score has dropped nearly 150 points. This in spite of the fact that my credit history is flawless on their own reports. It has been that way all my life. Nothing financial has changed in the last year and a half. What the agencies claim justifies the reduction is my low number of open accounts. That too has not changed for years. I am retired and have a decent SSA and portfolio income. I applied for an additional credit card to increase my accounts and the credit checks count as an additional negative. I own my home and cars. I recently bought a new XXXX and paid cash. That apparently was financially irresponsible of me according to the agencies. These people are malicious and need to be better regulated.