davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being.

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2023-06-25
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (IL)

On XX/XX/30 I received email notification that my Macys credit card was being used and I contacted Macys immediately. The person I spoke with said the charges were pending so they could be canceled. A few days later when checking my credit report, I noted the charges were appearing on it and contacted Macys again. This time I was told the pending charges could not have been canceled and I was then able to file a fraud report. All the charges were to account ending in XXXX and were fraudulent made at the Macys Store Woodfield. 
I had never had this or any Macys card in my possession. Charges listed in the email alerts were XXXX XXXX XXXX XXXX I don't know why the spending alerts do not add up to the fraudulent charge balance on my Macy 's account {$1600.00}. I nor anyone else known to me made these charges. A police report was filed and sent to XXXX. The report is attached to this complaint
Consumer complaint received 2021-07-22
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. (GA)

Equifax is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.
Consumer complaint received 2024-03-06
Product: Credit reporting 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. (FL)

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 XXXXXX/XX/XXXX
Consumer complaint received 2019-07-18
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lien Enforcement Inc (GA)

`Debt collector charges {$2700.00} for debt of {$1300.00} and refuses to provide documents showing their authority to collect debt. Notice of debt was not sent until AFTER collection started. Creditor also charging interest when no authority is specified giving authority to charge interest. They also do not credit me with any of the funds they received for selling my car.
Consumer complaint received 2022-10-06
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 had a credit with XXXX XXXX XXXX where all the payments were automatically discounted from my bank account. All the payments were discounted from my account every XXXX of every month, XXXX XX/XX/XXXX for an amount of {$470.00}. On XX/XX/XXXX I went to the XXXX dealer to change my car and they specifically asked me to not pay the XXXX payment because they will do a new contract and account for my new car. I kept receiving calls from XXXX XXXX XXXX even in XXXX, so I paid on XX/XX/XXXX the amount of {$470.00}. Not even 30 days after my billing day in XXXX. Even after I paid I kept receiving calls from XXXX XXXX XXXX and I found out that they didn't record my XX/XX/XXXX payment, even when they discounted automatically from my account. They never recorded that payment and that's why they thought I was late in XXXX, even when I paid before the XXXX that I was supposed to. My last payment was on XX/XX/XXXX, and XX/XX/XXXX. My billing day was XXXX XXXX and I pay only 22 days later because XXXX XXXX told me to not pay. Either way, I made the payment and it wasn't late. I know that I have 30 days to pay and then I will receive a warning.
Consumer complaint received 2021-09-23
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 have an old credit card from XX/XX/2017 which was paid in full yet is marked as a collection/charge off when it was not ever charged off or in collections. 
Creditor ; XXXX XXXX  XXXX XXXX Account marked as Collection/Chargeoff Balance ; {$0.00} Contact ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX
Consumer complaint received 2018-06-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (AZ)

I have a kind of complicated situation. In XX/XX/XXXX, I began paying Sallie Mae for my student loan. I made regular on time payments till XXXX XXXX XXXX, when my husband and XXXX children began to struggle financially. Sallie Mae gave me an immediate forbearance due to hardship. We filed bankruptcy in XX/XX/XXXX, and barely a month later my aunt died and I was inherited XXXX. Sallie Mae was one of the many creditors who were offered to claim their money. Sallie Mae did so and to my knowledge my bankruptcy trustee paid them in full. I do believe I made a follow up call to make sure of that. During the time from which I filed bankruptcy and time that everyone was paid and my bankruptcy case closed was nearly 2 years due to probate and what not and Sallie Mae kept charging interest and late fees on the account after claiming money already. Is that legal? Now during the last year I've been fighting with them to explain to me how I owe them XXXX. After my trustee gave them the payoff two years later an adjustment was made to my account for XXXX and XXXX which makes no sense to me. And then 3 years later they begin charging late fees again. I wrote them 2 dispute letters and followed up many times to try and get a supervisor to contact me and they told me they were making a decision on my case. I asked specifically to be called and emailed directly with outcome and they didn't do so. I had to call again in which they told me my explanation could be found on my account page when I went there they had not given any explanation just changed my account around to offer a lower payment plan. I could never get a straight answer from anyone ... I am uploading many documents to you in hopes some one can figure out how any of this makes any sense. I have done all I can and now they have forced me into another forbearance or too till I got this figured out which is again in late standing to current. thank you kindly for your time XXXX
Consumer complaint received 2017-07-22
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)

To Whom It May Concern : The following accounts are showing on my credit report that have not been legally validated and verified. The original creditor has not provided validation and the Court refuses to validate this debt as they can not find any record of it. Please verify and validate it or remove from my credit reports immediately or I will begin litigation. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA : Accounts : XXXX XXXX {$350.00} XXXX XXXX {$180.00} XXXX XXXX XXXX {$210.00} XXXX XXXX {$450.00} XXXX {$1400.00} XXXX XXXX XXXX {$2400.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX {$1300.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX, XXXX {$730.00} Thank you for reviewing this and getting these items off my report immediately. Sincerely, XXXX XXXX XXXX XX/XX/1992
Consumer complaint received 2017-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

I have disputed credit reporting agencies about unknown address of XXXX XXXX XXXX, XXXX, XXXX Plus also XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is not my address. Also I retired on XXXX XXXX XXXX on XXXX XXXX,2014 from XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, California.XXXX.XXXX
Consumer complaint received 2022-12-01
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)

I did not give these companies my permission to post or give my credit information. It is a violation of my consumer rights according to Fair Credit Reporting Act under 15 USC 1681. 

15 USC 1681, section 602 A, states I have a right to privacy.

15 USC 1681 section 2 states that a consumer can not furnish a account without my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) section states : no consumer reporting agency may take any consumer report containing any of the following items of information, any adverse item of information, other than records of conviction of crimes which
antedotes the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

I have reviewed my credit report in XX/XX/2022 and sent certified letters to creditors as well a Experian, XXXX and XXXX Credit Reporting agencies, asking them to delete the information from my credit report because of inaccuracies, not my accounts and/or because it was published without my permission. Of course it is well over 30 days and they have not deleted these accounts from my credit report. 

On XX/XX/2022, I sent a certified letter for XXXX XXXX {$5900.00}, it has been charged off, it is still on my credit report. 

On XX/XX/2022, I sent a certified letter to Experian for XXXX {$2600.00} ; XXXX {$2100.00} ; the accounts are charged off, but they are still on my credit report. 

On XX/XX/2022, I sent a certified letter to XXXX for XXXX {$2600.00} ; XXXX {$2100.00} ; XXXX is on my new credit report 4 times for 2 loans. Some of the accounts dont have account number or other information is missing making it look like its a different account. the accounts have been charged off, it is still on my credit report. 

On XX/XX/2022, I sent a certified letter to XXXX for XXXX {$2600.00} ; XXXX {$2100.00} ; the accounts have been charged off, it is still on my credit report. 

On XX/XX/2022, I sent a certified letter to amshercollectionsservices for XXXX {$84.00} ; it sold it to XXXX XXXX XXXXXXXX on XX/XX/2022 and the accounts is on my XXXX credit report, but I never owed them anything and it is still on my credit report.
Consumer complaint received 2022-12-15
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Amsher Collection Services, Inc. (VA)

On XXXX XXXX I closed my XXXX account because I had to live abroad for more than a year. My bill was prorated and I paid it promptly. Three months later my account was reactivated bXXXX XXXX  without my permission. I was sent a one month bill. I contacted XXXX XXXX again, and after few additional calls my account was closed. This one month bill of {$70.00} was sent to Amsher Collection Services and I received a {$140.00} collection notice. I filed a complaint with them and never heard back from them. Few months later I received another collection bill from XXXX XXXX XXXX XXXX. I filed a complaint again, and was never contacted back. Recently, checking my credit report I found that my account was reported to the credit bureau by Amsher Collection Services. Called them, and was told that the account was reported by XXXX XXXX XXXX. Called XXXX XXXX, and was told to pay them {$75.00} to take reporting off my account. I believe I do not owe money to any of this companies.
Consumer complaint received 2023-01-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law.These accounts must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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
Consumer complaint received 2019-07-18
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

Hello my name is XXXX please delete this account from my credit report and I have tried to dispute this account multiple times and have not yet removed it please help me REMOVE this account from my credit this account was OPEN in a FRAUDULENT way SOMEONE You are using my PERSONAL INFORMATION to open accounts please without my AUTHORIZATION please REMOVE this account and put a fraud ALERT many THANK YOU ... I have already tried to solve this problem directly with the credit bureaus but I have not removed these FRAUDULENT accounts ... THANKS for understanding
Consumer complaint received 2023-01-13
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. (FL)

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; not withstanding, there are still a few accounts to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these accounts ( 1 ). ( A ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX
Consumer complaint received 2023-01-13
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. (CA)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes XXXX law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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
Consumer complaint received 2023-01-13
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TN)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-12-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ALLY FINANCIAL INC. (PA)

My complaint is against my Bank, Ally Bank. And also XXXX XXXX XXXX. They have not refunded my money for forged and illegally cashed checks. 

My first complaint to Ally occurred XX/XX/XXXX. Each time I call them for an update, they tell me they cant give me my money back. 

I wrote XXXX checks that were stolen from a local mailbox ( I did file a police report ) and the person washed the checks, forged a different name, and they were cashed illegally and funds withdrawn from my checking account totaling {$6700.00}. 

The first check was mailed XX/XX/XXXX for the amount {$2200.00}. It was written to the photographer for my wedding. 

The second check was mailed XX/XX/XXXX for the amount of {$4400.00}. It was written to the catering company for my wedding. 

On XX/XX/XXXX, I discovered the checks were washed and cashed illegally when my catering company asked where their check was. I immediately contacted the police and then called Ally Bank. Ally required I fill out XXXX forms and get them notarized ( which cost me over {$30.00} ) Ally received all required information to get my money refunded no later than XXXX weeks from XX/XX/XXXX. 

As of today, I still havent received my money. Ally is claiming they are asking XXXX XXXX XXXX to research it, then refund Ally, and then I can get my money once Ally is refunded. Ive been very patient, but since Ally allowed my funds to get withdrawn, I hold them accountable and liable for this situation. The checks were obviously forged, yet Ally gave my money to XXXX XXXX XXXXXXXX. It is clear that neither bank has proper policies in place that verify checks arent forged before cashing them. 

Anything you can do to help me get my money would be greatly appreciated. 

Thank you, XXXX XXXX
Consumer complaint received 2022-12-02
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)

I submitted a letter to Equifax dated XX/XX/XXXX22 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT XXXX, and I'm including it again. Please have these accounts repaired : XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2017-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FACTUAL DATA CORP. (TX)

Recently had a credit report pulled by a loan officer for a mortgage preapproval. I am enrolled in credit check monitoring through my bank. The service is provided by XXXX. However, The report provided the loan officer I am working with by Factual Data contained quite a bit of inaccurate information to include inaccurate credit card balances, mortgage payment amounts, and all 3 credit bureau scores were incorrect.
More specifically, My most recent credit score is above 800 for all 3 bureaus yet Factual Data Bureau Express, shows my 3 scores well below that. Also, it shows credit card balances thousands of dollars more than they actually are. I feel this information could be detrimental in the loan approval process and is very upsetting, as a home purchase is one the biggest decisions one may make in life.