davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-22
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. (OK)

I am XXXX percent total XXXX service connected Veteran. I had a Federal student loan first with XXXX XXXX then it went to XXXX XXXX XXXX XXXX then to XXXX but is showing on my credit repots all Three that it is negative over 90 days I did not have to pay the student loan according to Federal Law but they kept billing me for the loan and then reported it to the Credit reporting agenies. This is hurting my credit score I have tried to resolve this with the credit reporting agencies and the student loan companies but they say the reporting is true and accurate. This is Unfair credit reporting and should I am going to submit it to the XXXX. If the student loans were to be forgiven as Federal requires then it should not show on the credit report as late payments.
Consumer complaint received 2022-10-06
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. (NY)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
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: Navient Solutions, LLC. (NY)

please review the following accounts that appear on my credit report, they do not belong to me, and are hurting me XXXX Account Number : XXXX This is not mine. 
Identity Theft DEPT OF ED/NAVIENT Account Number : XXXX This is not mine. 

2. Identity Theft DEPT OF ED/NAVIENT Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX This is not mine. 
Identity Theft DEPT OF ED/NAVIENT Account Number : XXXX This is not mine. 

2. Identity Theft DEPT OF ED/NAVIENT Account Number : XXXX This is not mine.
Consumer complaint received 2022-04-05
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. (CA)

In accordance to the Fair Credit Reporting Act these two companies have violated my rights ..... 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15USC 1681 SECTION 602A states I have the right to privacy.

15USC 1681 SECTION 604A SECTION 2 states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2021-07-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY (OH)

I have had an issue with my credit score and getting a SBA loan after American Express randomly pulled almost {$30000.00} of my credit limit - this dropped my score over 130pts. For background, I have never missed a payment on any card that I own and I had been a card member with Amex since XXXX. I had a {$16000.00} credit limit until around XX/XX/XXXX, and around that time I requested a limit increase and they moved it up to almost {$32000.00}, then by XXXX of this year they dropped my limit to {$1900.00} without warning or explanation. This is only a couple months after I quit my job to start my own company, and I had just purchased a house back in XX/XX/XXXX ( with an XXXX credit score pulled by the lender ), so really was a terrible time to have a credit score drop without explanation. 

I called American Express numerous times and at first they told me my credit limit was moved to {$1900.00} in XX/XX/XXXX - I said that is not true, I have statements that show otherwise ( I print them every month and have all PDFs saved since I opened the card in XXXX ). Anyway, they ended up telling me I had to send my financial documents to them. I sent them some, enough to prove I can cover the entire credit limit, and they never responded. When I reached out to them again, they told me that they made a " business decision '' and would not increase my credit limit. Next month, my score dropped 138pts. 

I filed a complaint with the XXXX, but the XXXX  closed my complaint because American Express responded " We mailed the customer our response to this complaint '' and I had 7 days to reply to the message -- I still haven't received a response ( ~1-2 months past doing that now ) and the XXXX  contact for my case will not return my calls. 

I am hoping we can find some way to fix this issue. I have just about drained my savings starting this business and I now have almost no way of getting any sort of financial aid despite an 800+ credit score for the 1-2 years ( until these last 7-8 months ).
Consumer complaint received 2021-07-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Transunion continuously claims to not receive the mail that I sent them time after time. I will call in and one representative will claim they have received the documents and the next representative will claim I need to re-send my dispute. At this point I believe they are using this as a STALL practice I am very u happy with the service they are providing!!!!
Consumer complaint received 2018-05-17
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. (GA)

Fair Credit Reporting Act ( FCRA ) requires the credit reporting agency to notify you no later than five days after the date of reinsertion. This FCRA requirement is not always practiced. Equifax deleted XXXX XXXX XXXX Account between XX/XX/XXXX and XX/XX/XXXX and then reinserted it without notifying me ... then between XX/XX/XXXX and XX/XX/XXXX they removed the negative remarks, but then reinserted it again without notifying me once again ... this is against FCRA law ... I disputed the incorrect info on my report and they removed, but put it back on report illegally ... I want it completely removed, and possible compensation for violation of law and my rights ... and I am yet to get anything in writing about investigation ... instead I have seen everything on-line in which I did not consent to on-line results ...
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: Affirm Holdings, Inc (PA)

We were applying for mortgages and there was a strange charge on the credit score. We contacted Affirm multiple times and they were unable to find our information ( obviously, because we did not open the account so some our information did not match ). Finally, they were able to find the account under my name. We received an email XX/XX/XXXX stating our account was not our responsibility and we would not be held responsible. Our mortgage lender asked if we could that in an official letter. We contacted them and they sent us a letter which stated the loan was ours and we were responsible. Which is incorrect information. We called back 3-4 times. Got disconnected, got told we couldnt have anything else done. Finally spoke to yet another supervisor who said the only official letters they send are ones that show the loan, even if it is found fraudulent. I asked if they knew specifically when the loan would be removed from our credit. 30-60 days is all they could answer. This fraudulent charge is preventing us from getting a home and all we want is a paper stating the charge is not ours.
Consumer complaint received 2021-07-22
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Federal Credit Control, Inc. (FL)

In XX/XX/2021 and XX/XX/2021 I request that First Federal Control Validate an alleged debt that they claim I owe. I have been requesting Validation of Debt and HIPAA authorization that qualifies First Federal Control to Legally collect on this debt. I have asked for First Federal Control to Please provide a breakdown of fees including any and all collection costs and medical charges Please provide a copy of my signature with the provider of service to release my medical information to you I have requested this information over 60 days ago and NO RESPONSE
Consumer complaint received 2021-07-22
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: DFC Global Corp. (CA)

I was contacted XX/XX/2021 by a company that told me their name was XXXX. They said that they were attempting to collect a debt for a pay day loan company called Money Mart. Also, on XX/XX/2021 this company contacted my mother. I never gave This company XXXX any authorization to contact any of my relatives. They spoke with her in a manner leading her to believe that I was in serious legal trouble or trouble with the authorities. The company XXXX told me that they did not have a website or an address. I feel really uncomfortable deal with a company that can not or will not give me information to verify them. I also dont like that they called my Mother without authorization from me to contact a relative.
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. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2022-10-06
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. (AK)

It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the XXXX data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. I have the right to privacy. 15 U.S.C 1681 section 602 A. States, I have the right to privacy. 15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time. If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. Please investigate if every piece of information is correct. If not, please remove it from my credit report. Accounts XXXX XXXX XXXX Account Number : XXXX Inquiries XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX NAME : XXXX XXXX XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AK XXXX XXXX XXXX XXXX XXXX, AK XXXX EMPLOYER : XXXX XXXX XXXX
Consumer complaint received 2022-10-06
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. (GA)

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 XXXX XXXX XXXX. 

Account Name : XXXX XXXX  /Account Number : XXXX Account Name : XXXX XXXX / Account Number : XXXX Account Name : XXXX XXXX XXXX / Account Number : XXXX Account Name : XXXX  XXXX / Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX : XXXX Account Name : XXXX XXXX XXXX / Account Number : XXXX Public Record : XXXX XXXX Bankruptcy / Refence Number : XXXX The accounts and public record listed above 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 2023-10-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Debt Recovery Solutions, LLC (FL)

The Debt Collectors contacted me by text, saying I owed {$170.00}. I called the medical service referenced in the text ( XXXX XXXX XXXX ) and confirmed my bill was paid. The medical service gave me the portal address and steps needed to pull up proof of payment. 
I did not contact the debt collectors because 1 ) the medical service didn't know why I was being contacted by them, and 2 ) I was afraid if I called them, they would then have further access to my phone and everything in it. 
The phone number of the Debt Collectors shows as XXXX The text said to call XXXX or visit www.dbtsolutions.com/make-a-payment
Consumer complaint received 2018-05-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aargon Agency, Inc. (SC)

I send Aargon a letter asking them to validate some debts that are on my credit from them the end of XX/XX/XXXX I never rd recieved validation and they deleted these debts but added them back in XX/XX/XXXX without 5 days notification of reinstatement. Some debts came back on certain credit reports. The dates that were reporting on are now XX/XX/XXXX.
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1000.00}, {$5900.00}, {$8400.00}, {$720.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account. 


-- AUTO LOANS OR LEASES 2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5900.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8400.00} -This is not my account. 


-- COLLECTION ACCOUNT 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$720.00} -This is not my account.
Consumer complaint received 2018-05-17
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: Convergent Resources, Inc. (FL)

In XX/XX/XXXX I obtained a copy of my credit reports and noticed that XXXX XXXX was reporting a derogatory entry to the bureaus. Prior to this date, I had not received any documentation from this company informing me of the alleged debt. To that end, I drafted a dispute letter to them ( see attached ) whereby I was in essence disputing the validity of the alleged debt they inserted on my credit reports. I requested that they provide me a summary of all account activities, including all payments made, late charges, interest, date of payments received, date of payments posted, charges, and date of charges posted, copies of any papers that show I agreed to pay what they were alleging I owed. To no avail. I did not receive any communication from them. 

In XX/XX/XXXX, I again disputed this account with Convergent requesting they provide the aforementioned information. Again, to my dismay, I did not receive any correspondence from the company. I then disputed with the bureaus again, only for the accounts to be verified. I am confused on how the bureaus are able to receive a response from them but I am not. My communication was sent certified with a return receipt and they have been in receipt of both letters, yet choose to not respond. 

These entries appear to be unverifiable, untimely and inaccurate ; therefore, they should IMMEDIATELY BE DELETED FROM MY REPORTS!
Consumer complaint received 2021-09-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (NC)

We closed on a house recently in XX/XX/2021 with XXXX XXXX XXXX. After closing, the loan was tranferred for servicing to Flagstar bank. During the transfer, Flagstar truncated borrower 's first name from " XXXX XXXX '' to " XXXX XXXX '' which is not the legal name. It does not match the closing documents, or the deed or any other official documents. After repeated contacts with Customer Service as well as filing a complaint with CFPB, we've been told that Flagstar can only handle names within certain character limits and will need to truncate everyone else 's names. No resolution was offered except a reference number was provided. When requested for anemail ID where complaints can be made, both customer service agent and the supervisor refused to offer any resolution except for truncating the last name.

When a complaint was made to the CFPB earlier, Flagstar closed the complaint without providing any resolution. We have paid over XXXX to purchase this house and in return we have a very basic expectation that the company which services our mortgage should be able to spell both borrower 's names corrected on all mortgage related paper-work. 

If they are unable to spell borrower 's names correctly, they should not be able to service our mortgage. We would request them to correct the mistake in their paper-work or transfer our servicing back to XXXX XXXX who we had chosen as our lender.
Consumer complaint received 2021-07-22
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Healthcare Receivables Group, Inc. (SC)

Spoke to XXXX on XXXX she said I made a payment on XXXX {$140.00}. I ask her how was payment made she couldn't provide any info. This collection took my {$1000.00} state refund check and paid a debt they shouldn't pay or I wasn't aware of and now saying I owe this debt. They providing false info and misleading the credit bureaus with is bogus info. It is really hurting me tremendously.
Consumer complaint received 2024-03-06
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 2023-01-13
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 called transunion and spoke to agent XXXX to get fraudulent inquiries removed from my account and he refused on XX/XX/2023 2023