davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates 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.
Consumer complaint received 2019-09-27
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. (AR)

On XXXX I contacted Equifax XXXX and XXXX in regards to incorrect information being on my Credit Reports as a result of Identity Theft and Fraud. I submitted the Police Report, The FTC Identity Theft Report along with copies of my State Issued ID Social Security Cards and Utility Bills showing proof of residency. On XXXX I received updates from XXXX  and XXXX in regards to the accounts showing that they had been removed from my file. I also received letters from each Creditor stating that the Fraudulent Accounts would be removed. On XXXX I received results from Equifax stating that the accounts would not be removed because the Creditors verified the information as Accurate. How were they able to verify the account when XXXX and XXXX  stated that the account was REMOVED at the Creditors Request as Fraud. I have since tried to contact Equifax back in regards to the issues I'm having, but I have not been successful. Equifax is neglecting to remove these accounts from my Credit File even after receiving the proper proof that the account was Fraudulently opened XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I'm reaching out regarding these fraudulent items and for assistance to remove them from my credit report immediately. These accounts are not mine. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : 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 XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (NJ)

I received a solicitation email from Experian to transfer my {$7900.00} balance to another credit card " see your matches. '' I became concerned because my credit card balances total approximately {$4300.00}. 

I attempted to contact Experian and the representative ( not residing in the USA ) asked for my name, social security number and date of birth. The Experian web site states at the top of the contact, " To protect the private nature of your personal information, please do not share any personally identifiable information via chat. This includes information such as name, SSN, address, or any other uniquely identifiable information. '' Therefore, my complaint involves two things. Non US citizens asking for my PII and two I can not verify whether or not someone has opened another card in my name without divulging PII to someone to get to the bottom of this! 

I signed up for credit monitoring with Experian some time ago.
Consumer complaint received 2021-03-09
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AZ)

Someone please help! I have reached out to equifax multiple times and they never get back to me. on XX/XX/XXXX I sent a letter disputing all that was wrong with my report. Along with it like recommended o their site i sent a copy of my Id and a notarized letter confirming the dispute. I never got a response and they couldnt tell me anything over the phone. That's 51 days! A month later on XX/XX/XXXX I send another letter demanding the investigation results. Still nothing! CFPB please step in and help with this. I understand covid may delay things but this is ridiculous and I doubt its legal
Consumer complaint received 2019-09-27
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. (WY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wyoming XXXX i took at look at my credit report and saw an account that would like you to investigate, after you investigate this account of XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX ( XXXX ) XXXX please delete this account.
Consumer complaint received 2021-03-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (FL)

Sequium Asset Solutions is in violation of federal law. In my initial letter on XX/XX/XXXX requesting verification of the alleged debt they have placed on my consumer report, I stated " ASIDE FROM PROVIDING WRITTEN VERIFICATION OF THIS DEBT, do not contact me about this debt. The Fair Debt Collection Practices Act requires that you honor this request. '' In the letter, I also request that they cease reporting the account to credit agencies until after they have verified it, per federal law. 
On XX/XX/XXXX, I received another of many harassing phone calls from Sequium Asset Solutions. In response, I informed the representative that I have sent a letter requesting verification of the alleged debt, and demanded that Sequium Asset Solutions stop calling and contacting me about the debt until they have sent written verification. This is in keeping with the Fair Debt Collection Practicies Act, which states that upon the consumers request for verification, a collector must stop ALL collection activity until they verified it.

As of XXXX, Seqium Asset Solutions NEVER responded to this request, which is a violation of the Fair Debt Collection Practices Act. On XX/XX/XXXX, in response to my complaint to the Consumer Financial Protection Bureau, representative XXXX XXXX from the Corporate Compliance Office LIED in her statement that this account has been closed due to a cease and desist order. As a corporate compliance officer should know, asking not to be contacted until verification has been sent is not a cease and desist order. 
The likely reason that a cease and desist order that I DID NOT IMPOSE has closed my account, rather than providing the requested verification of the debt is because NO SUCH DEBT VERIFICATION EXISTS. In a sloppy effort to conceal the fact that they are knowingly collecting debt that has not been verified, Sequium imposed a cease and desist on my account to escape their legal responsibility for procuring verifiable documentation. Sequium Asset Solutions has been FRADULENTLY collecting on and alleged debt that I do not owe. I will also be submitting a complaint with the federal trade commission.
Consumer complaint received 2019-07-17
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Diversified Consultants, Inc. (FL)

This incident jus recently happened this past weekend ( XX/XX/XXXX) during a purchase of a home that got shut down due to a mishap on my credit that we have been protecting for months. It was a collection agency affiliated with XXXX on a account that has been closed for a year or more now. There was no info notification or letters of any type that would have informed me so. They jus popped it on my credit and it dropped 50 points over something that doesn't exist, that's been closed with a confirmation number as well.Some action definitely needs to be taken for a fraudulent charge on myself that isn't active. If something isn't resolved there may be legal action looked into.
Consumer complaint received 2023-02-10
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. (FL)

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 XXXXXXXX, 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 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

On XX/XX/2024, I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I respectfully request to be provided proof of these alleged late payments, and payment history. Per my records I have always paid these accounts on time and never paid late. The following late payment information therefore needs to be reinvestigated as it is inaccurate, and then removed from my credit file as it is falsely reporting.
Consumer complaint received 2019-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (TX)

The vehicle is covered by insurance XXXX XXXX XXXX XXXX insurance who received letter of guarantee from Chrysler to pay off truck that they said was totaled when someone hit my vehicle on XX/XX/2019. XXXX said they would pay {$46000.00} of the payoff of {$55000.00} and I have gap insurance to cover the balance owed. The truck is still showing due on my credit and showing late payments and affecting my credit negatively. Chrysler has not called me to resolve this issue and this is hindering me from buying another vehicle and another home. I have been paying the insurance with XXXX and the gap insurance with Chrysler as contracted and have not received the service I paid for. It is now XX/XX/2019 and this is still not resolved. Chrysler has all the documents included below. XXXX picked the truck up without our knowledge on XX/XX/2019 without our knowledge and it has been in their possession every since.
Consumer complaint received 2016-02-16
Product: Credit card — 
Issue: Advertising and marketing — 
Company: WELLS FARGO & COMPANY (MD)

Wells Fargo and a group called XXXX keep charging my account when I have asked them not to. It has gotten to the point that Wells Fargo says call XXXX. XXXX says to cancel the service, a service I only wanted to for six months ( it was useless - not one lead ) that XXXX says I need to pay them {$240.00} to cancel.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IN)

I am writing to formally complain about XXXX, XXXX, and Equifax 's multiple violations of my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), the Privacy Act of 1974, and related statutes. 

The core of my complaint is rooted in the failure of XXXX, XXXX, and Equifax to comply with the FCRA 's mandate for accuracy, fairness, and privacy in handling my consumer report and personal information, as outlined below : Violation of FCRA 1681a, 1681b, and 1681c : The agencies included adverse information in my consumer report and has furnished my consumer report without my written consent, contrary to the requirement for explicit consumer permission for such disclosures. 

Infringement of Privacy Act of 1974 and FCRA 1681s-2 ( a ) ( 1 ) ( A ) : The agencies reported inaccurate information and failed to maintain reasonable procedures to avoid such inaccuracies, directly violating my rights to accuracy and privacy.

Non-Compliance with Gramm-Leach-Bliley Act ( 15 U.S.C. 6801-6809 ) : I have not been adequately informed of my right to opt-out of information sharing as required, nor have I given any form of consentwritten, verbal, implied, or otherwisefor my personal information to be shared with nonaffiliated third parties.

Exercise of Right to Opt-Out : In accordance with 12 CFR 1016.7 and my rights under the aforementioned laws, I hereby opt-out of all future reporting and sharing of my personal information by XXXX, XXXX, and Equifax XXXX 

I assert that the actions of XXXX, XXXX, and Equifax have not only violated specific statutes of the FCRA but have also breached the broader principles of fairness, impartiality, and respect for consumer privacy as mandated by Congress.

I request a thorough investigation into these matters and appropriate corrective actions to ensure the protection and confidentiality of my personal information. I also seek confirmation of my opt-out from further information sharing and an assurance of compliance with all relevant consumer protection laws. 

Thank you for your attention to this matter.
Consumer complaint received 2019-07-17
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Student Loan Financial Assistance (MA)

I paid Student Loan Financial Assistance {$140.00} on XX/XX/2019 and another {$140.00} on XX/XX/2019. I have not received a single email or piece of mail regarding the status of my Student Loan or of their efforts to address the situation since I initially signed up on XX/XX/2019 ( I signed up over the phone and then received an email with a congratulations on taking the first steps to financial freedom, with further instructions that were needed to move forward ). I sent my last pay stub to confirm income and was told I qualified for income base repayment. After waiting over two months I began to get concerned and wanted to know what was going on I called their office on XX/XX/XXXX, XXXX and again on the XXXX. I spoke with a random representatives that couldnt help me and was told they would ensure my case manager would get back to me to clear things up. That never happened. When I called on the XXXX I expressed my concern that this was a scam and that I would need to take further action. I never heard back from them and called again today XXXX XX/XX/XXXX ) .. this time the phone continued to ring/on hold for XXXX mins. They must have flagged my number or something because all the other times I called in someone picked up rather quickly. Then I was prompted to leave a message which I did. I decided to write an email for my records and requested a refund and warned that I would be taking action. I did some research and found out that when you student loans are in default you can not quality for any of the same programs like income based repayment that would be available if my loan was still with The Department Of Education - so clearly I was being fed lies. After figuring out Student Loan Financial Assistance is a scam, I have been able to find a solution on my own to resolve my debt with the collection agency in charge of my student loan ( XXXX XXXX XXXX ). I am now enrolled in a rehabilitation program to get my loan out of default which is what I was hoping to do with SLFA. I was informed by the representative that assisted me that SLFA never contacted the XXXX or filed any paperwork on my behalf. I am of disputing the charges with the bank as well as taking action to prevent identity fraud etc as this company has my social security number and other confidential information.
Consumer complaint received 2019-09-27
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. (FL)

I have just recently reviewed my credit report and have discovered some inaccurate accounts reported on my credit file. These derogatory accounts do not belong to me. I also have no knowledge of those accounts and have no idea who would have access to my credit. Do to these false accounts, I have no chance of acquiring new credit. Please conduct a re- investigation into this matter and have those derogatory accounts removed off my credit file.
Consumer complaint received 2022-09-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-08-26
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: Experian Information Solutions Inc. (CA)

Hard inquiries that are not mines on Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2021-03-09
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Account information incorrect
Company: Cash Express, LLC (KY)

My name is XXXX XXXX XXXX XXXX and I was attempting to get a payday advance and ut is showing i have 2 outstanding loans with cash express i called consumer financial database they said its my ssn but not my account I called cash express they said I don't owe them anything I need this corrected asap please so I can obtain a new loan
Consumer complaint received 2023-02-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION (CT)

I was scammed on a phone call dated XXXX/XXXX/XXXX, I wired over $ XXXX to someone posing as XXXX XXXX. I am usually very diligent regarding scams ; however, this scammer called me from the XXXXXXXX XXXX customer service number ; therefore, I thought it was legitimate. 
I immediately reported it to XXXX XXXX 20-minutes after on XXXX/XXXXXXXX, and they did not notify the bank where my funds were transferred until the next day. XXXX tried to recall my money from Regions Bank ( Alabama ) the following day and continued to try for 28-days. However, Regions Bank will not respond to any of XXXX XXXX inquiries and XXXX XXXX  has now closed my investigation. I need help, I can not pay my bills as this was my life 's savings. 
I have attached my XXXX XXXX statement for the affected account, this account has since been closed by XXXXXXXX XXXX.
Consumer complaint received 2022-10-05
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX Account # 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 A Section 2 : It also states a consumer reporting agency can not furnish aN account without my written instructions.
Consumer complaint received 2023-03-28
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. (IN)

I am writing to dispute the following addresses. It does not belong to me. I never lived in these addresses and I was contacted by a collection agency regarding the accounts that are associated with these incorrect addresses. I have no knowledge of obtaining any of the inquiries listed here.