davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-06
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. (NY)

THIS COMPANY IS A FRAUD BASED COMPANY I AM EXPOSING THEM I HAD XXXX FROM XXXX TO XXXX IN HOSPITAL I NOTIFIED THEM AND THEY MARKED MY PAYMENT FOR XXXX AS 30 DAYS LATE THAT IS HOGWASH I PAID XXXX ON TIME AND THEN WAS ADMITED INTO XXXX  FOR XXXX  THEY CAN NOT MARK ME NEGATIVE WHEN ALL MY PAYMENTS HAVE BEEN ONTIME AND I WAS EFFECTED BY PANDEMIC AND THEY KEEP SAYING THEY WILL FIX IT AND DO NOT RESPOND TO EMAILS AND WHEN YOU CALL THEY ARE ALL FOREIGHNERS AND HTEY HAVE NO IDEA WHAT THEY ARE DOING THEY LIE MAKE FAKE PROMISES AND EVERY ONE ONLINE IS COMPLAINING ABOUT THEM I WANT THIS REMOVED NOW OR I AM RETAINING A LAWYER FOR CAUSING ME HARDSHIP FINANCIALLY DUE TO DESTROYING MY CREDIT REPORT I DEMAND THIS RESOLVED.
Consumer complaint received 2020-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TX)

Per Equifax, XXXX, and XXXX they will not delete old information unless this report is submitted. There is a ton of old information on all 3 reports which do not belong to me, and frankly, mispelled/incorrect. 

I would like all of the information I am requesting to be deleted immediately.
Consumer complaint received 2020-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Per XXXX, XXXX, and TransUnion they will not delete old information unless this report is submitted. There is a ton of old information on all 3 reports which do not belong to me, and frankly, mispelled/incorrect. 

I would like all of the information I am requesting to be deleted immediately.
Consumer complaint received 2021-02-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am a resident of XXXX XXXX. I have not left the XXXX city limits for 4 years. I have a checking account and ATM card with Bank of America. On XX/XX/2020 a debit withdrawal in the amount of {$63.00} was made on an ATM machine at XXXX XXXX XXXX in XXXX, CA. I filed a claim with BofA, Claim # XXXX. After investigation the bank determined that the transaction was not mine and I was credited with the {$63.00} along with the transaction fee. I was issued an ATM card with a new number. On XX/XX/2020, another ATM transaction in the amount of {$68.00} was made at the same address in XXXX. I, again, filed a claim, # XXXX, and was told that after investigation my claim was denied because the transaction was made with a chipped ATM card. This was not possible. I am XXXX years old and been suffering with severe lower XXXX XXXX which limits my ability to walk. I know with all certainty that the new ATM card had not left my possession during that time period. I had not been any more distant from my city residence than 3-4 blocks. And used my card at a few businesses with which I had a long history of use. During the period from receipt of the new ATM card until the transaction occurred, I left my apartment no more than 5-6 times. I have not been to XXXX for at least 20 years. I have never given my pin number to any individual, ever. I received a letter from BofA denying the claim, but which stated that I could request copies of the documents used to reach that decision. Upon requesting said documents I was told that the documents were not available for my viewing. Living on {$1600.00} a month from Social Security, I am ultra careful of my expenditures, and I am always aware of the location of my debit cards, credit cards, ID, and other documents of importance.
Consumer complaint received 2022-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

The accounts listed are fraudulent. I did not consent nor authorize these companies to benefit from my credit. 
XXXX Pm Cu XXXX XXXX Cred XXXX Credit
Consumer complaint received 2018-08-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have been making payments to XXXX in regards to bringing my past due account current. I was told by a customer service rep at XXXX upon agreement that as long as I am making payments according to the agreement to bring my account current, that I would not be reported any further delinquent on my credit report. I recently received an alert that I was reported 120 days late and I have made payments on- time according to the agreement with XXXX . They have therefore reneged on their part of agreement with me to not report my account any further delinquent when I have made payments on time according to the agreement set forth 2 months ago.
Consumer complaint received 2022-02-06
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. (NY)

THIS COMPANY IS A FRAUD BASED COMPANY I AM EXPOSING THEM XXXX XXXX XXXXXXXX  FROM XXXX TO XXXX IN HOSPITAL I NOTIFIED THEM AND THEY MARKED MY PAYMENT FOR XXXX AS 30 DAYS LATE THAT IS HOGWASH I PAID XXXX ON TIME AND THEN WAS ADMITED INTO ICU FOR COVID THEY CAN NOT MARK ME NEGATIVE WHEN ALL MY PAYMENTS HAVE BEEN ONTIME AND I WAS EFFECTED BY PANDEMIC AND THEY KEEP SAYING THEY WILL FIX IT AND DO NOT RESPOND TO EMAILS AND WHEN YOU CALL THEY ARE ALL FOREIGHNERS AND HTEY HAVE NO IDEA WHAT THEY ARE DOING THEY LIE MAKE FAKE PROMISES AND EVERY ONE ONLINE IS COMPLAINING ABOUT THEM I WANT THIS REMOVED NOW OR I AM RETAINING A LAWYER FOR CAUSING ME HARDSHIP FINANCIALLY DUE TO DESTROYING MY CREDIT REPORT I DEMAND THIS RESOLVED.
Consumer complaint received 2022-03-09
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. (TX)

For the past 5 months I have followed the protocol and advice of this credit bureau for disputing inquiries on my credit report. I have disputed these inquiries via phone, fax, via my login on their website and in writing and have submitted complaints about their handling of this situation to cfbp and XXXX. I have contacted each supplier of the inquiry and they have sent request for the inquiries to be removed, and ONLY this credit bureau will not remove the inquiries. I have sent in my legal identifies ( ID, proof of address, police report, ftc report ) to prove these inquiries are fraudulent however they will not remove them. What I receive is notices stating I cant dispute online or they wont investigate because a 3rd party is submitting my complaints ( which is legally allowed ), I've even been told they don't have a credit profile for me. At this point the are hindering my legal right to have a accurate credit profile AND my legal right to dispute any inaccuracies on my report. The accounts associated with these inquiries were deleted under identity theft but they are telling my the inquiry is valid, by not removing them, how?
Consumer complaint received 2020-12-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: FIRST HERITAGE CREDIT LLC (SC)

My loan was sent to court through XXXX county SC. It was disposed on XXXX. Today XXXX the store in XXXX SC contacted me to collect the debit. Isn't this illegal?
Consumer complaint received 2023-03-20
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (CA)

I enrolled in XXXX XXXX XXXX XXXX, CA ( not on your list ). They misled and inflated their promises of 100 % job placement. They also manipulate their attendance records for their own gain. I was sent to an intern site during my second month and then called after 3 weeks that I would be dropped for non attendance. I was then told that I need to get back to class. When I went back, I missed 3 weeks and was sent to a room across the hall and told to read through the material and do the assignments. Essentially, I was told to teach myself. I did not understand it and did the best I could and amazingly I finished XXXX XXXX XXXX XXXX with honors. I did not know how to bill and only knew some coding from a previous XXXX XXXX class. I never received any job assistance and was also never certified as I was told. I received nothing but wasted time and debt. I was in forbearance and hardships for years before being told about income based repayment. Navient led me into years of high interest debt being in forbearance and hardship, also for their gain. Before the AG Settlement payments, I was told I did not have to do anything to receive a {$450.00} settlement check and possible forgiveness. I have not received any settlement or talk of forgiveness. I have called AG Settlement several times, and was told on 3 occasions that my case was being expedited and I would receive a check 4-6 weeks. Never received a check or correspondence. I have been told to call the Attorney General, they referred me back to AG Settlement, who referred me to call Navient, who referred me back to AG Settlement. I went on the Attorney General website and emailed a complaint XXXX  and also mailed ( USPS ) them a complainXXXX XXXX XXXX have never heard from anyone. I called back to AG Settlement and was told that there is no check and they are very sorry for the misinformation. I was then told I could contactXX/XX/XXXX Consumer Financial Protection Bureau and Federal Student Aid Ombudsman. Consumer resources is the same site that I sent a complaint by email and USPS to the Attorney General. Next I will see where the Federal Student Aid Ombusman takes me. I attended this school XXXX. I do not remember exactly. The school is closed now but when I attempted to get my transcript, I was told there are no records. So why am expected to pay this loan? And why am I not entitled to a settlement that I fall in the category of. It sure feels like discrimination.
Consumer complaint received 2022-03-09
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. (MI)

This complaint to TransUnion result of their non-compliance to my request and for their refusal of getting the items and inquiry, listed below, to be removed or corrected from my credit reports. However, that complaint was never granted or any feedback was never done by the agency. Now, I would like to ask for your help to get rid of these items and inquiry or have TransUnion get back to me with regards to the issue. Here are the items and inquiry that concern me : XXXX XXXX XXXX Balance {$0.00} XXXXXXXX XXXX XXXXXXXX Balance {$14000.00} XXXX XXXX Balance {$0.00} XXXX XXXX Inquired on XX/XX/2021 XXXX
Consumer complaint received 2022-03-09
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. (MI)

I have been reaching out to Equifax, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from Equifax and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : XXXX XXXX XXXXXXXX Balance {$2900.00} XXXX XXXXXXXX Balance {$130.00} XXXX Inquired on XXXX XXXX, XXXX
Consumer complaint received 2022-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WA)

XXXX XXXX Bank continues to report {$400.00} negatively on my credit report despite them admitting that the credit card was incorrect. I had a credit card with XXXX XXXX in XXXX, I paid the card off and cancelled because the verbal abuse I received at the hands of one of their customer associates. Fast forward years later, they have been reporting that I have a card that is paid off as agreed and another one that has been in collections for over eight years?! How?! Why would I get two credit cards from the same company, that verbally abused me??? it is truly absurd and stupid. It was clearly a mistake and I recall calling the customer service line to inform them that I had cancelled the card and didnt have any other card, to which they responded saying that it was recently charged and usedthis was in XXXX. Fast forward to present day and it is still showing up on my account, I asked the Bureaus to dispute this showing that I have reports from XXXX that show the discrepancys ( due to the new dates that somehow keep updating to reflect present dates ) in the dates the card was allegedly opened. As you can see from one report from XXXX and current XXXX report data ; on one repot it shows a date of XXXX on another it shows open/reporting date XXXX! I would never, not in a million years apply for a credit card with XXXX XXXX after being disrespected by their customer service employee. This demonstrates how they and debt buyers would go to extreme lengths to make sure people suffer and dont have opportunities and fair credit reporting.
Consumer complaint received 2022-02-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (ME)

I received a sink that was damaged in shipping. I bought the sink on XXXX and used XXXX to pay for it. XXXX charged the purchase to my Jet Blue Barclays card. 
I returned the damaged sink to the seller and when XXXX did not refund my money I went to Barclays to stop payment. After several months, Barcays denied my claim. I sent them the tracking information about how the sink was returned and signed for, but Barclays has not reopened the case and refunded my money.
Consumer complaint received 2022-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc. (NY)

I had XXXX accounts from XXXX through XXXX student loan service. I have experienced financial hardship and had to consolidate my loans in XXXX. At that time my loans were serviced through Fed XXXX service. XXXX listed the XXXX accounts as paid in full and the accounts as being closed, however they are still reporting on my credit report to date which is currently affecting my XXXX XXXX and showing negatively on my report when it the accounts are supposed to be closed. Ive reach out to XXXX and they have no knowledge of my account. I have filed a dispute with XXXX  XXXX, and all credit bureaus and it continues to report
Consumer complaint received 2023-07-04
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. (NY)

This is my 12th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Balance Owed : {$4800.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX **** Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$530.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXXXXXX XXXX XXXX Balance Owed : {$4800.00} XXXX XXXX XXXX Balance Owed : {$530.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX
Consumer complaint received 2022-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (CO)

When downloading my first report ( Experian ), I tried to save, not print, the report, I timed out and had to log back in. Second, third and fourth attempts, without success, I called someone in the universe that connected me to a representative that said I had to subscribe to Experian in order to save, not print, my reports. Great! free sign up BUT only for Experian, not XXXX or XXXX. 

Fifth attempt, the portal said I already accessed the reports ( I did not ) and would have to wait 7 days and try again. 

Why? 

I don't understand 1-How do you reach a HUMAN to discuss the current issue? 2-Why can't I save, not print these 60+ pages of each report? 3. It was a miracle I found the CFPB site, by accident, to ask these questions and perhaps by filing a compliant, we can get change ......
Consumer complaint received 2020-12-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to dispute the inquiries referenced below and demanded verifiable proof bearing my electronic signature. I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604. This action was initiated without any proof from any of the companies reporting. These inquiries are not accurate since I never authorized them. The FCRA requires Credit bureaus to follow up and investigate those inquiries in question and remove. I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act sec 604 as well as a violation of my rights to privacy. Please contact the listed inquiries and investigate such occurrence and remove immediately for non-compliance. Under the laws of the FCRA,XX/XX/XXXX is required by the FCRA to follow up with the creditor.
Consumer complaint received 2022-02-06
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. (NC)

I have recently reviewed my credit report and found a duplicate account that does not belong to me. I have reached out to the company via letter already to have the issue investigated and delete and I have to received a response. This information is damaging my financial profile. There is another account on my credit report that does belong to me but the account has been paid off. Please help me remove this duplicate account asap so that i can fulfill my financial obligations in a timely fashion. None of the dates are adding up at. I was advised by a financial lawyer that i have a right to an accurate credit report. I have attached a copy of my letter as well as the duplicate account in question. 


Date Opened : XX/XX/2016 Account number : XXXX Account Status : Derogatory Thanks
Consumer complaint received 2019-03-30
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Emerald AR Systems, LLC (FL)

Please be advised this is my THIRD WRITTEN REQUEST asking to remove the account listed below that remain on my credit report in violation of 15 U.S.C. ss 1681.

Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. The information that Emerald AR Systems claimed to forward on XX/XX/18 CFPB complaint # : XXXX has never been received via mail or using CFPB. You have ignored my request to provide me with the documents that you have in your files that you used to validate the disputed account which means that you have NOT validated or you can not validate this account and under section 611 ( 5 ) ( A ) of the FCRA- you are required to " promptly DELETE information which you can not validate. '' The law is very clear as to the Civil liability and remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and following accounts be validated immediately.

A copy of this complaint as well as copies of the three previously written letters sent to you by certified mail with proof of delivery will also become part of a formal complaint to the Better Business Bureau. They will also be submitted as evidence in pending litigation provided you fail to comply with this complaint. Once again, the law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I do not have a signed contract nor any contract with Emerald AR Systems. I have never done business with this company. I am not liable for collection from this debt from XXXX XXXX. I am not responsible for this debt with Emerald AR Systems. Due to your continued willful disregard of the law I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the item listed is not removed from my credit report within 10 days.
Consumer complaint received 2019-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I recently identified that I was a victim of identity theft. I followed the steps that was told to me. I have already contacted the FTC and the police dept. There are still items on my credit is not mine. I'm doing this myself and need your help. 

1. XXXX XXXX XXXX ( XXXX and XXXX ) 2. XXXX XXXX ( Equifax, XXXX and XXXX ) 3. XXXX XXXX XXXX ( Equifax ) I dont know if you guys can help also with these inquiries I know nothing about. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX