davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-27
Product: Checking or savings account — Checking account
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I don't know just XXXX blocks me from all my emails that are linked to my stuff since XXXX and so I can't log into any of my bank, government funding, or really anything that life requires you to log into in order to maintain or correct an issue that has been blocking me from getting my life back together after I retired from XXXX.
Consumer complaint received 2024-02-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (CA)

On XX/XX/XXXX, I received a notice of garnishment from my employer. The conversation I had on XXXX was the first conversation I have had regarding this debt. I never had any knowledge that it was going to court. I called the number and was referred to Midland Funding. I spoke with a representative and was told that I owed {$3000.00} to XXXX for an account that was opened in XXXX. I asked why this has not shown up on my credit score and they responded with that there was a judgement and it wont show up. I do not have any paper evidence that this debt is mine. I believe that this debt is not mine and would like to know what next steps I can take to dispute this debt.
Consumer complaint received 2021-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2020 I was laid off due to covid-19. I was leasing an apartment from XXXX  XXXX XXXX XXXX XXXX, I contacted the leasing agency XXXX XXXX  ( XXXX XXXX XXXX XXXX ) in writing with proof that I was laid off and requested to enter deferment. He wrongfully told me that in order to enter deferment I had to pay 50 % of my balance, which I could not. They then proceeded to put a 3 day notice to quit on my door or I was getting evicted. So I moved out and upon moving out they added a bunch of late fees to my bill, and sent me to collections with XXXX XXXX  debt collector. XXXX XXXX demanded money and would not hear me out that XXXX  XXXX XXXX XXXX XXXX wrongfully would not let me enter deferment, demanded all of the balance including the late fees and the entire rest of the lease even though I had vacated. XXXX XXXX  then reported to the credit bureau and I have been trying to resolve and dispute this for months.
Consumer complaint received 2022-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MS)

I AM A NATURAL PERSON & CONSUMER FILING THIS COMPLAINT. 
DO NOT CLOSE THIS COMPLAINT STATING THIS IS NOT ME! 

The tradeline being reported has a derogatory rating which has caused me serious financial and emotional distress. This has caused defamation to my creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics. 

In order to rectify this situation and ensure my rights have not been violated in any way, I have sent multiple letters and complaints challenging the completeness, accuracy and integrity of the information XXXX XXXX is furnishing. 


ACCOUNT # -FULL ACCOUNT NUMBER NOT SHOWN ACCOUNT TYPE DETAIL- DIFFER FROM XXXX, XXXX & EQUIFAX DATE OPENED-DATES DIFFER FROM XXXX, XXXX & EQUIFAX BALANCE- AMOUNT SHOWN AFTER ACCOUNT CHARGEOFF HIGH CREDIT- DIFFER FROM XXXX, XXXX & EQUIFAX CREDIT LIMIT PAST DUE- AMOUNT SHOWN AFTER ACCOUNT CHARGEOFF LAST REPORTED- DATES DIFFER FROM XXXX, XXXX & EQUIFAX DATE LAST ACTIVE- DATES DIFFER FROM XXXX XXXX XXXX & EQUIFAX DATE OF LAST PAYMENT- DATES DIFFER FROM XXXX XXXX XXXX & EQUIFAX PAYMENT HISTORY- DIFFER FROM XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX was required to notify me later than 5 days before furnishing the negative information to the consumer reporting agencies, in writing that such furnishing of information was going to take place. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). However, I never received documentation that XXXX XXXX complied with this requirement.
Consumer complaint received 2022-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

This is my several endeavors to tell CREDIT BUREAU that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. Again, I was going through my records & noticed many information or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA CREDIT BUREAU is required by law to remove any items or information which is found to be opened due to identity theft. The dispute items do not belong to me. 
XXXX Date Updated : XX/XX/XXXX ; XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Consumer complaint received 2022-05-18
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 XXXXt account # has violated my rights. 

XX/XX/XXXX, XXXX $ XXXX by me Consumer disagrees XX/XX/XXXX, XXXX {$15000.00} ( {$14000.00} ) Dispute by me Consumer disagrees XX/XX/XXXX {$1800.00} Dispute by me Consumer disagrees XX/XX/XXXX {$1800.00} Dispute by me Consumer disagrees XX/XX/XXXX {$260.00} Dispute by me Consumer disagrees 15 U.S.C 1681 section 602a states I have the right to privacy 15 U.S.C 1681 section 604a section 2 its also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2021-10-29
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: EQUIFAX, INC. (LA)

I have a fraud alert on my account that will ( currently ) not allow me or companies to open an account without verification. On XX/XX/XXXX I requested a loan for my HELOC that I thought was maturing this year. A HELOC in which I used to pay my employees. The HELOC was orginally borrowed to purchase property in Wisconsin. 
With all that on XX/XX/XXXX Equifax showed a credit score of XXXX, I was never contacted by the company that made this inquiry and later believe that it was a " hard pull! '' The credit bureau currently lists that I have a total of 3 hard pulls, I reached out to the company and they deny this occurred. ( see email ) They forwarded me the credit file that specifically shows that I have a fraud alert and yet they were able to make such an inquiry. My credit score is currently XXXX. 
Equifax states : Lack of recent revolving account information Too many consumer finance company account Lack of recent bank revolving information Lack of recent installment loan information Lets begin with facts : I have a fraud victim extended alert that does not allow myself or any potential creditor to access my credit record without verification from me. 
1. This did not happen on XX/XX/XXXX ( see email attachments ) Lack of recent revolving account information : 1. This is not a " consumer '' issue, and XXXX reports my revolving account on the XXXX of each month and my HELOC currently shows near correct until they send out again for XXXX? BOTH ACCOUNTS HAVE BEEN UPDATED ON MY Equifax CREDIT FILE AS OF XX/XX/XXXX! 

Too many consumer finance company account 1.There are no active or outstanding consumer financial accounts on my credit. I am currently seeking litigation against net credit for fraudulent interest accrual when I borrowed in addition to my HELOC to purchase property in Wisconsin My vehicle broke down and the cost was {$6500.00} for transmission, rear end and other problems. The company offered a one year free interest.

Lack of recent Bank revolving information : 1. AS of XX/XX/XXXX my XXXX XXXX account is up to date on Equifax credit report as well as on XX/XX/XXXX Lack of recent installment loan information This code either means that your accounts have not been active recently or you don't have that type of account! Which is it? This is not a consumer issue but a loaner responsibility
Consumer complaint received 2019-11-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (IN)

I am currently enrolled in the Public Student Loan Forgiveness program. I have been part of the Income Based Repayment for 7 years. This year I applied for it again ( which has to be done annually ) on XX/XX/2019. I received a denial email from FedLoan Servicing on XX/XX/2019. They stated that I would receive a letter explaining this, which I never did.

I then called FedLoan on XX/XX/2019 complaining about this issue. As I expected, they explained that I received the message because I no longer qualify for financial hardship. While that is true, I explained to them that as written under the policy, once a individual is in a IBR policy, they can not ever be kicked out. In this situation, my payments will be based off of a standard 10 year repayment policy. The consumer service operator agreed. She explained that she will make sure I receive the formal letter detailing that exact concept and that I would still be part of IBR for the upcoming year. I know to expect this letter since many people I know that no longer have the financial hardship in IBR receive this confirmation letter.

I have not received any letter of verification. On my FedLoan profile, I now states that I missed my time for annual recertification for IBR.

I need to be in IBR as I am going for PSLF. I do not want any payments that I make to not be counted because of the error with FedLOAN. 

Please please please help.
Consumer complaint received 2017-10-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. ()

I have been a satisfied Citibank Customer for the last 7 years. Despite I dont live in United States, I opened an account in XX/XX/XXXX in  XXXX, Florida. Since then, I use it just for savings. 
In XX/XX/XXXX, I tried to go into my online Citibank account and I could not. So, I called at Citibank call center, just to find out that my account was closed by Citibank and It was empty. They did not notify me about the closing. 
It was a real shock for me, because I did not use this account as my day to day checking account, but as a savings account. When I asked for the last movements of my account, the operator described to me 9 different unauthorized withdrawals that happened during XX/XX/XXXX. Three ( 3 ) of them were made physically in different branches of the bank. As I said I dont live in USA, so I immediately denied them. Attached you will find the details of this movements, for a total amount of USD XXXX. This information was all supply to me by the Citibanks Call Center. It is VERY important to note that when all this movements took place I was not in United States. Even worst, I actually have never been in Illinois, in my whole life, where all the face to face withdrawals were supposedly made. 
Also, the operator said this movements were made with a debit card ending in XXXX, that I never had. My actual debit card ends in XXXX, and it is physically WITH ME at this moment. My expired debit card ended in XXXX. 
As I denied this movements, he put me on contact with the dispute department. They asked me if I had already done a complaint with the Police, and I answered I have not yet because I live in XXXX de XXXX and I have no plan to travel to U.S.A. After that, an internal investigation was opened and she gave me a following case number. 
In XX/XX/XXXX, I called to the same Citibank phone number to follow my case ; and the operator told me that the case was denied because I had not make a formal complaint with some police department. She also told me that If I want to re-open the case I need to make a complaint. ( And suggested that I need to travel to U.S.A. and talk directly in a Citibank branch ). 
After I made it public on XXXX, they call me and ended up opening a formal complaint ( In fact, two ( 2 ), one for branch withdrawals, and other one for ATM withdrawals ) and I am still waiting to know the results. I am really needing your help to go forward with this investigation. It is my savings for the last 7 years, and I need my money back. As I said, I was not in United States when the movements happened, I have never had the debit card ending in XXXX, and It wasnt me who made the withdrawals. Also, due to my account history, they can see that this type of movements was very unusual. 
Also, I made a complaint with the Federal Trade Commission ( FTC ) which I report an identity theft. Attached you will find the report.
Consumer complaint received 2022-05-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TO WHOM IT MAY CONCERN : I am writing to delete the following 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 the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-05-16
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. (NV)

Hi I am submitting this XXXXXXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now XXXX XXXXXXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-05-18
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)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/2022 but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below is still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-05-16
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: EQUIFAX, INC. (OH)

unauthorized 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 2022-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

On XX/XX/2022, I received a notification that there was a change in my credit report. When I logged into both XXXX XXXX XXXX XXXX XXXX I noticed that my credit report showed that my credit score decreased by XXXX points, for a decreased balance, on my auto loan with XXXX XXXX. I also received an e-mail from XXXX that on XX/XX/2022, it was advised to them by Transunion that there was a decrease in my score as well. I feel that this is an error that needs to immediately be corrected as it is preventing me from being able to be approved for a home purchase.
Consumer complaint received 2021-10-29
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)

XXXX was supposed to delete any negative information on my credit reports with all 3 bureaus once the loans were brought to positive status with XXXX XXXX XXXX. The student loans were fully paid off in XXXX of XXXX with XXXX XXXX XXXX XXXX, the company my loans were transferred to. The negative reporting was successfully deleted from my XXXX and XXXX credit reports but for some reason is still showing on my Equifax Credit Report. I need the negative reporting from XXXX deleted off of my Equifax credit report. This inaccurate information is hurting my credit score with Equifax.
Consumer complaint received 2022-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In accordance with the fair credit reporting act XXXX account XXXX XXXXXXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-05-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

TO WHOM IT MAY CONCERN : I am writing to delete the following 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 the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AL)

In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

I am writing to formally dispute the information on my credit report associated with account number. I have recently discovered discrepancies in this account, and after thorough investigation, I strongly suspect that I am a victim of identity theft. 

Account Information : Account Number : Account Type : Open Account Account Type - Detail : Unknown - credit extension, review, or collection Bureau Code : Individual Account Status : Derogatory Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$6900.00} No. of Months ( terms ) : XXXX High Credit : {$6900.00} Credit Limit : {$0.00} Past Due : {$6900.00} Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX ( Experian ) | XX/XX/XXXX ( XXXX )
Consumer complaint received 2022-05-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (FL)

Radius Global is attempting to collect a debt that does not belong to me. In addition, the debt doesn't belong to Radius Global. They have repurchased a fraudulent debt after, the debt was verified as not mine by all other Radius Global collection affiliates.
Consumer complaint received 2022-05-18
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CT)

On XX/XX/XXXX, I contacted Equifax about the following negative accounts XXXX XXXX  XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$3300.00} ), XXXX XXXX XXXX  XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$5900.00} ), XXXX XXXX, ( Date Opened : XXXX XXXX, XXXX, Balance : {$9200.00} ), XXXX XXXX XXXX  XXXX ( Opened XXXX. XXXX, XXXX, Credit limit {$200.00} ), XXXX XXXX XXXX  ( Date Opened : XXXX XXXX, XXXX, Balance : {$180.00} ) Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2022-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MS)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX ( XXXX ), Account # XXXX ( XXXX ), and Account # XXXX ( XXXX ) has 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 section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.