davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-11
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CA)

7 hard inquiries on my credit report These have caused me to be declined for other opportunities XX/XX/XXXX - XXXX XXXX dba XXXX - inquire without permission - unknown Infiniti XXXX/XXXX/XXXX - inquire without permission XXXX XX/XX/XXXX & XX/XX/XXXX ran twice instead of once XXXX & XX/XX/XXXX XXXX XXXX XXXX- 3 hard inquiries ( 2 are almost 2 years old ) XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX
Consumer complaint received 2022-08-30
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. (NC)

THIS IS NOT A DISPUTE AND SHALL NOT BE CONSTRUED AS A DISPUTE. THIS IS A LEGAL DEMAND UNDER THE FAIR CREDIT REPORTING ACT. 

Ive tried multiple times to resolve this with you. Ive tried disputes, Ive tried fraud reports, Ive even asked for verification of the accounts without compliance from you. Your response is always for me to submit another dispute or to contact the creditor directly. But now that Ive learned what the Federal law states on this issue, and the protections Congress has put in place for me as a Consumer, I am invoking my protections and my rights under the Federal law. 

You BROKE THE LAW. You are furnishing my report without permissible purposes 15USC 1681B. You do not have the legal authority to furnish ANY of the negative items that are on my Consumer report without my permission. 

You dont need specific account numbers as I am referring to ALL NEGATIVE ACCOUNTS AND NEGATIVE REMARKS on my report as well as ALL hard and soft Inquiries not attached to open accounts. 

When I asked your representatives if any of these accounts were verified I was told that the accounts are assumed to be correct because the creditor is furnishing them and you reflect what information they provide you. This is illegal because the only way you can furnish information on my report is if I, as the Consumer, verify them. Any other verification under an Investigative Consumer Report involving a 3rd Party or a Creditor can not include specific factual information about my credit record. 15USC 1681A As a result of you breaking the law and illegally furnishing these negative items on my report, it has caused me mental distress as well as financial hardship. 

In accordance with the law I do not need the accounts verified because I am the only one who can verify them and I never even gave written consent for them to be furnished 15USC 1681A. 

I need all negative items, all negative remarks, all charge offs, and all hard and soft inquires not attached to open accounts removed immediately. If this Consumer report is not brought into compliance within XXXX days I will be forwarding this important issue to the Attorney Generals Office. 

I have attached screenshots of the specific laws aforementioned for your records.
Consumer complaint received 2022-08-30
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)

My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made.
Consumer complaint received 2022-02-24
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: LEXISNEXIS (MD)

My name is XXXX XXXX, There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Consumer complaint received 2020-02-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Bank of America FIA CARD SERVICES has been disputed again XX/XX/XXXX with XXXX  XXXX  XXXX  and they refuse to remove it. 
I do not what bank of America FIA card services is. I have never had one I do not have knowledge if this account as documented in my XX/XX/XXXX XXXX  credit report and disputed again. 
Then the name was changed recently to bank of America FIA cnsa whatever on my XX/XX/XXXX credit reports. I want the documents relating to this stating account closed by creditor of boa dis card services corp and removed. 
My identity theft filed registered with ftc # XXXX.
Consumer complaint received 2022-08-30
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. (IL)

I have sent in a number of disputes to you guys for these particular accounts that are inaccurate first disputes were sent XX/XX//2022 and 6 more disputes after that my last one was sent XX/XX//2022. This account is still showing up and none of them show that I have disputed them on any of the bureaus as if I am being ignored so I have done research to go above the bureaus to here and tell my issues to receive some results finally. I haven't got any response. The XXXX XXXX account is showing up incorrect and was not fixed the policy I thoughts was to have a 100 % accurate on all three bureaus saying inaccurate payment history and status and account number are reporting different this need to be corrected. As well as XXXX is show in a negative way and has been paid a agreed to be removed from creditor and has not been reported correctly either. Also XXXX is reporting multiple times. This account is showing up with a incorrect date of activity and open date and status as well. I have wrote letters about this numerous of times.
Consumer complaint received 2022-08-30
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Vengroff Williams, Inc (TX)

HORRIBLE EXPERIENCE! WATCH OUT FOR THE FRAUD HAPPENPING AT THIS LOCATION. THEY GIVE YOU A LINK TO TAKE THE PICTURES AND UPLOAD BEFORE YOU RENT A TRUCK, THEY KNOW IF YOU DID NOT TAKE ANY PICTURES EXPECT A BIG SURPRISE. I AM SURE MANAGEMENT KNOW WHAT THEY ARE DOING. 

I RENTED A TRUCK FOR 2 HOURS - EST CHARGES IS {$45.00} AND I GOT A FINAL BILL FOR XXXX AND I KNOW THERE WAS NO DAMAGE TO THE TRUCK, I KNOW WHAT TO DO IN CASE OF ANY DAMAGE. 

I AM NOT AWARE OF ANY DAMAGE AND SOME HOW THEY PUT THE OLD DENTS AND SCRATCHES AS NEW DAMAGE. 

I WENT TO THIS PLACE AND ASKED FOR PRINTED BILL AND SAW THE TRUCK AGAIN, ALL OF A SUDDEN THEY FIXED ALL THE DAMAGE AND CLEANED THE CAR. TECHNICALLY THERE WAS NO DAMAGE DONE BUT I GOT A BILL FOR {$200.00}. 

I AM SURE THE MANAGERS ARE WELL AWARE OF THIS FRAUD AND THEY WANT TO RUN HIGH BILLS FOR WHATEVER REASON. 

REPORTED THIS TO THE CONSUMER RIGHTS AND TOOK A VIDEO THAT SHOWS NO DAMAGE.
Consumer complaint received 2022-08-30
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. (GA)

Inquires i have no knowledge of with my consent XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-30
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. (NJ)

This is the third time this have happen and I need it to stop. I demand the deletion of all personally identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : First Middle & Last Name 2. My Current Mailing Address Any and all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with my current address. Delete any and all other phone numbers listed. I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. Delete all information in the employer section Thanks in AdvanceThanks in Advance
Consumer complaint received 2018-12-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MO)

The information on my credit report in regards to my Bankruptcy is inaccurate. I had a conversion from a Ch.XXXX to a Ch.XXXX. The date of the completion of that conversion is inaccurate. That date is XX/XX/2018 and should rightfully include any debtors listed on my credit report before that date of XX/XX/2018.
Consumer complaint received 2022-08-30
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. (CA)

I have been disputing Fraudulent Information on my credit report since XX/XX/2022. And I have been waiting for the Credit Bureaus ' response but up until now, I haven't gotten anything from them. Regardless of the previous written request, the unverified items listed below are still reporting on my credit report in violation of federal law. The XXXX, XXXX, and Equifax Credit Bureaus failed to comply with the Fair Credit Reporting Act, section 605b and continuedreporting the disputed items without providing me copies of documents as proof of verification. This action made by the Credit Bureaus is a clear violation of the FCRA section 605b, a federal law, which is punishable by law. I am submitting this CFPB complaint to request that the Credit Bureaus remove the following fraudulent items completely from my Credit report, if the Credit Bureaus chose not to comply with the request, it leaves me no choice but to initiate legal action : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$4400.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$17000.00}
Consumer complaint received 2022-08-30
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. (CA)

I have been disputing Fraudulent Information on my credit report since XX/XX/2022. And I have been waiting for the Credit Bureaus ' response but up until now, I haven't gotten anything from them. Regardless of the previous written request, the unverified items listed below are still reporting on my credit report in violation of federal law. The XXXX, TransUnion, and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, section 605b and continuedreporting the disputed items without providing me copies of documents as proof of verification. This action made by the Credit Bureaus is a clear violation of the FCRA section 605b, a federal law, which is punishable by law. I am submitting this CFPB complaint to request that the Credit Bureaus remove the following fraudulent items completely from my Credit report, if the Credit Bureaus chose not to comply with the request, it leaves me no choice but to initiate legal action : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX CT XXXX XXXX CA XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$4400.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$17000.00}
Consumer complaint received 2022-08-30
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. (WI)

I reached out to the credit agencies via FTC report and CFPB complaint. The credit agencies placed a fraud alert on my credit profile but failed to remove the fradulent inquiries as they said they would. I followed up with the agencies directly and was advised that it would be taken care of within 30-60 days but it wasn't. I would like these inquiries to be removed. 

Credit Inquiries INQUIRER NAME XXXX XXXX DATE XX/XX/XXXX INQUIRER NAME XXXXXXXX XXXX DATE XX/XX/XXXX INQUIRER NAME XXXX by XXXX XXXX DATE XX/XX/XXXX INQUIRER NAME XXXX XXXX DATE XX/XX/XXXX INQUIRER NAME XXXX XXXX 's XXXX XXXX XXXX DATE XX/XX/XXXX INQUIRER NAME XXXXXXXX XXXX DATE XX/XX/XXXX INQUIRER NAME XXXX DATE XX/XX/XXXX INQUIRER NAME XXXXXXXX XXXX DATE XX/XX/XXXX INQUIRER NAME XXXX Bank DATE XX/XX/XXXX INQUIRER NAME XXXX XXXX XXXX DATE XX/XX/XXXX INQUIRER NAME XXXX DATE XX/XX/XXXX INQUIRER NAME BAnk XXXX XXXX DATE XX/XX/XXXX INQUIRER NAME XXXXXXXX XXXX DATE XX/XX/XXXX INQUIRER NAME XXXX XXXX DATE XX/XX/XXXX INQUIRER NAME XXXX XXXX XX/XX/XXXXXXXX XXXX
Consumer complaint received 2022-02-24
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: Verisk Analytics Inc (MD)

I have tried to email LCI several times and i have never received a response to my emails nor did they acknowledge that they received it nor have a received anything in the mail from them I am filing this complaint violation of my privacy rights.
Consumer complaint received 2018-07-11
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. (CA)

I provided Experian, XXXX  and XXXX  with information asking them to verify all accounts on credit file, as I did have issue with incorrect information being reported, as I am a XXXX. I advised that the information was not current, shown to have been incorrect, and ask that they remove the incorrect information ASAP. They are also providing and showing out dated information advising that I am currently behind on my accounts, when I am current and have not been late. Advised that information would be updated, but that information did not show to have been updated still to this day. Showing the last information to be reported was dated for XX/XX/2017. I have asked all 3 companies to update, verify or remove the accounts and to no avail. At this time I am asking for all hard inquires, as well as all collections shown to be removed, and all outdated inaccurate information removed as well. I shouldn't have any inquires on my report as I have not apply for any updated or new credit. I have sent letters to all 3 credit companies advising if this information is not corrected, I will move on the legal actions. I should not have to pull and go back in fourth with a company that is paid to report accurate and true and correct information! Please assist me in getting this all resolved and having all this information verified, removed off my report. I didn't want to come to this point, but this is the only chance to have this matter resolved.
Consumer complaint received 2022-08-30
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. (CA)

Hello, I recently disputed inaccuracies with the CB. The credit reporting agencies stated that my accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I requested to know all the steps your agency took to insure the items were 100 % accurate under 15 U.S.C 1681i ( 7 ) Method of verification - Description of reinvestigation procedure.
Consumer complaint received 2022-08-30
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. (CA)

Hello, I recently disputed inaccuracies with the CB. The credit reporting agencies stated that my accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I requested to know all the steps your agency took to insure the items were 100 % accurate under 15 U.S.C 1681i ( 7 ) Method of verification - Description of reinvestigation procedure.
Consumer complaint received 2018-12-04
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (PA)

XX/XX/18 I submitted a payment from my account for my mortgage to XXXX XXXX XXXX. Today looking at my bank statement XXXX XXXX double charged my account, causing an overdraft, although I submitted payment once. 
I contacted XXXX XXXX, and they denied this occurred.
Consumer complaint received 2023-09-05
Product: Student loan — Private student loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Maximus Federal Services, Inc. (NC)

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 or loan account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-04-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I used to have a checking account with Bank of America for many years, and I still have a credit card with them. I closed my checking account with BoA about half a year ago and opened a new checking account with XXXX. During this process, I made sure that I switched the autopay for my BoA credit card to my new XXXX bank account. I saw that the first credit card payment came out of my XXXX checking account so it appeared to be linked. I went on using my BoA credit card for a few months, but 3-4 months later saw a statement that said I was late on all of my payments since switching, because no payments were being made. I went on to see that not only was autopay not set up, but my XXXX bank details were not even attached or to be found anywhere. I was shocked because I had gone through the bank verification process and still even had the couple cents that were deposited to my XXXX account to verify that I had done it. I went through the process for verification again to re-add my XXXX bank account and paid off the entire amount due for the last 4 months, and then re-setup autopay. I called BoA to say that something had gone wrong with autopay, and I was able to set it up again but wanted to confirm it wouldnt happen again - and wanted the late payments to be taken off my credit history. They stated that I mustve added the bank account and not set up auto pay so they wouldnt be able to reverse anything. But if that were the case, my XXXX bank account details would have at least still been on the account, but not linked to auto pay. I asked a few more times but they refused to look into it. I went online and saw that many others were experiencing some strange things with autopay not working for them, and even for those that did not have any issues, they complained that the user interface for setting it up is not clear at all, and almost seems to set people up for failure so they can collect more fees.
Consumer complaint received 2016-03-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA (NC)

In XXXX 2010, I transferred my consolidated federal loans to FedLoan Servicing so that I could be a part of the Public Service Loan Forgiveness ( PSLF ) program. This program says that when you make 120 on-time qualifying payments while working full-time at a qualifying public service job for 120 months, your loans can be forgiven. 

When I transferred my consolidated Federal loans over to be a part of PSLF, I remained on an Extended Standard Repayment Plan ( 25 years ). I had a phone conversation with a FedLoan Servicing customer service representative to confirm I was doing everything correctly so that I would qualify at the end of my 120 payments. I was told that all I needed to do was submit paperwork from my employer to prove my service throughout the 120 months. That is what I remember and took away from the conversation. After years of making repayments, I have come to realize I have been on the wrong repayment plan. I should have been on the Income-Based Repayments Plan. I think that FedLoan Servicing did a really poor job at communicating this and made those terms very unclear. Also, I was paying more on the Extended Standard Repayment Plan ( {$350.00} ) than I would have on the Income Based Repayment Plan ( {$200.00} ). I would like those years of service and loan payments to count toward my loan forgiveness.
Consumer complaint received 2022-08-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Federal Credit Control, Inc. (FL)

I am writing to request the investigation and correction of a medical bill that appears on my credit report. The credit report number is XXXX and XXXX. 

The medical bill is listed under account number First Federal Credit C, and the account was opened on XX/XX/2020, and XX/XX/2020, by XXXX XXXX XXXX and XXXX. 

The amounts are {$940.00} and {$450.00}. 

This medical collection is inaccurate because I have emailed and sent certified mail to the company to verify and requested to send me a copy of my debt and I have received no reply. 

Please reinvestigate this medical collection and delete it as soon as possible. Thank you for your attention to this matter.