davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, 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 2022-08-10
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. (NY)

I mailed off letters to transunion disputing a few things and they send back a letter that is actually illegal according to a fcra lawyer. I am attaching copies of that letter a long with the letter I sent to transunion that they claim looks like it didn't come from me. The letter they sent to me was dated XX/XX/2022 so that means they have until XX/XX/2022 to investigate or delete it this is a law. I am a consumer and the law states I have the right to dispute anything on my credit report and transunion has to investigate it. Enough with the games, what is it going to take to make them do their job? Again if this is not investigated and completed by XX/XX/2022 then again by law it has to be removed. The first letter is the illegal letter transunion sent me and the second letter is the letter I sent transunion
Consumer complaint received 2022-09-08
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: TRUIST FINANCIAL CORPORATION (NC)

In accordance with the fair credit Reporting act XXXX XXXX these companies, have violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 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 2017-09-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (FL)

I have no affiliations with the National Credit Systems, so they must herein provide a true and certified copy of the complete audit trail of said account. Furthermore, to validate the debt, please provide verification through audit certification of debt entry in accordance with g.a.a.p., i.f.r.s., in accordance with basel 3 accord and u.n.c.i.t.r.a.l. conventions. I would also need a copy of your Tax Registration certificate! I also request that all documents sent via U.S.P.S.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Equifax and XXXX is reporting inaccurate information on my credit report. XXXX do not respond and refuses to give me access to my free credit reporting account. I have paid XXXX  XXXX XXXX credit card, XXXX 's, XXXX, and XXXX XXXX. I had to pay these accounts and file a 1099C on my taxes for them. Yet, these accounts remains on my report. That is against Federal law to continue to have them on my credit report. 

They are also reporting duplicate of the same accounts and accounts over 7 years remain on my credit report. All 3 bureaus has different information and XXXX never reponds.
Consumer complaint received 2020-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (MN)

My personal identity information was theft by someone and using it to get a credit card from XXXX XXXX XXXX. The XXXX XXXX XXXX failed to verify my personal information by using my old name ( 20 year ago ) and issuing the credit card. The person use the credit card and spend over {$15000.00} dollars in six months. The person also paying part of the payment four times during the six months and then disappeared. 

I found out this by receiving very low credit score in XX/XX/XXXX. I filed a policy report regarding my personal identity information theft. I did dispute this with the Experian credit union and the XXXX XXXX XXXX. The result came out today and my credit score still low because the unpaid {$15000.00} dollars can't be removed from my record. 

I had a house mortgage with XXXX XXXX XXXX 20 years ago with the old name but my legal name was changed two years later. I assumed that my personal information was theft from XXXX XXXX XXXX and they don't know that my legal name had changed. The person applied the credit card in XX/XX/XXXX with my old name.
Consumer complaint received 2017-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AZ)

Since XX/XX/XXXX XXXX XXXX XXXX has continually labeled my account as 30 days late when, in reality, I only ever missed XX/XX/XXXX and XX/XX/XXXX payments. I have always paid them within 30 days of the due date. I am more than frustrated with this company. They are never there when I call and when I email they will never help me but, instead, tell me to just call. They have tried to push the blame on me and my insurance agency when I have documentation that they are the ones who are difficult. When I was in an accident that deemed my car a total loss, XXXX completely stopped talking with me when I inquired on what to do. They have also continently lost/never received my emails inquiring about this. They have already marked my account as late for XX/XX/XXXX when I paid the bill I received for XXXX dollars before the due date. I also Paid my account in XX/XX/XXXX and they still marked it as late. Before my accident they were always on me when I was past the due date ( i would sometimes have to have a week or two after the due date, but never 30 dates like they are reporting ), but as soon as they received a check from my insurance for over 6 thousand dollars they completely stopped talking to me. They also did not inform me that receiving a check for XXXX would not count as a car payment.. even though it should. It paid down my account quite a bit. They are RUINING my credit and I want them to stop.
Consumer complaint received 2024-02-18
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. (NJ)

On XX/XX/year>, I wrote to you requesting an investigation into items that I believed were ( CHOOSE : INNACCURATE, OUTDATED OR OBSOLETE ). To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time. 

Since this is my ( SECOND, THIRD, FOURTH, ETC ) ) request, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have not complied with my request. I regret that I am being forced to take such action. 

Please see my reasons for dispute below : XXXX. I was never late and this is inaccurate and an FCRA violation. 
XXXX Account XXXX : XXXX Please correct/update this inaccurate information on my credit report. 

XXXX. I was never late and this is inaccurate and an FCRA violation. 
XXXX XXXX Account XXXX : XXXX Please correct/update this inaccurate information on my credit report. 

XXXX. I was never late and this is inaccurate and an FCRA violation. 
XXXX Account XXXX : XXXX Please correct/update this inaccurate information on my credit report. 

XXXX. I was never late and this is inaccurate and an FCRA violation. 
XXXX XXXX Account XXXX : XXXX Please correct/update this inaccurate information on my credit report. 

XXXX. Late Payment Law Letter finance charge XXXX  Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

Under 15 USC 1681i ( 6 ) DEMAND TO COMPLY and 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability to credit reporting agency
Consumer complaint received 2017-09-08
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. (IL)

I am a part of the Equifax data breach announced recently XXXX XXXX XXXX and am filing a complaint to ensure that proper action is taken on my, and others ' behalf.
Consumer complaint received 2017-09-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (IL)

Started the short sale process on XXXX/XXXX/XXXX and sent to the bank on XXXX/XXXX/XXXX XXXX Bank confirmed package and broker price opinion was requested by bank on XXXX/XXXX/XXXX, XXXX Broker price opinion was completed today XXXX Bank asked for the agent to do another broker price opinion this was completed and sent in on XXXX XXXX XXXX bank stated they now want the buyer or seller to pay for and order an appraisal at the cost of {$400.00} I was also informed that the first Broker price opinion came in at XXXX, the next Broker price opinion came in at XXXX, I also sent in 6 comparables to the bank. XXXX XXXX seller agreed to pay for an order a licensed appraisal to dispute the first broker price opinion that has no license. 
XXXX The appraisal came in at $ XXXX, the offer amount is for $ XXXX XXXX/XXXX/XXXX Bank stated they would consider an offer at XXXX Leaving the seller no resource except to have to go through the foreclosure process.
Consumer complaint received 2024-02-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I REQUSETED THE SAID CREDIT REPORTING AGENCY REPORT FAIR AND ACCURATE PERSONAL INFORMATION ACCORDING TO THE F.C.R.A  

AS THE OTHER CREDIT REPORTING AGENCIES HAS UPDATED MY PERSONAL INFORMATION


INTENTIONALLY NOT UPDATING CORRECT INFORMATION IS A DIRECT VIOLATION OF (15 U.S.C 1681n willful non-compliance) 

WHICH COULD BE PUNISHABLE UP TO TWO YEARS IN PRISON OR A 1000.00$ FINE
Consumer complaint received 2017-09-08
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. (CA)

Equifax stored my sensitive information without my permission, then allowed my information, as well as millions of others, to be accessed by individuals who had no reason to have access to said information. This all happened at the end of XXXX, and they did n't notify those impacted for over a month. Then, to check whether I was impacted by the company that gave my information away, they required a sign away of my right to participate in a lawsuit.
Consumer complaint received 2017-09-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (AL)

I have sent numerous requests to this company via certified mail and through the credit bureau requesting proper validation. Each time the company ignored my request and sent the same itemized bills. The have not provided me with documentation showing any type of agreement between me and the party. After doing research on this company this company has been in many lawsuits and is in one as of today for taking away consumers rights.The court documents stated that midland claimed to have a copy of the " consumers who " owe '' them. I requested a copy of this agreement was ignored. Im not obligated to pay a debt buyer who cant validate a debt properly or fail to communicate properly. They 're know to bully consumers all the time.They claimed that on XXXX XXXX,2014 they mailed me a validation letter. I will like to see where i signed for a certified letter from midland. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.They are in Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) and Violation of the Fair Credit Reporting Act ( including but not limited toSection 623-b ) I have attached a copy of theFTC opinion letter, a copy of my letter and you can look at case numberXXXX on their poor response and their itemized bill from XXXX XXXX XXXX again.
Consumer complaint received 2016-08-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (PA)

Experian has let XXXX XXXX XXXX report incorrect information on my credit report for months. The only way I have gotten some of it fixed was with multiple disputes, which then let XXXX XXXX XXXX refresh my collection as if it was a brand new trade line, which is incorrect. 

XXXX XXXX XXXX have not been consistent with the information they are reporting to the CRA, and have not been helpful in rectifying the information despite my attempts to have it corrected. Between XXXX and XXXX 2016, they were reporting my collection as if it was a revolving account and adding 30-day late notes. They have never made any attempt at helping me resolve the debt, outside of the time I called them in XXXX 2016 to inquire about resolution. No follow up phone call or letter was received after that, even though I was told on the phone that it would be arriving. In addition to the lack of direct contact, in their correspondence that was sent regarding my collection, their language was almost threatening and it did not seem like they had any intention on helping me resolve my outstanding debt. Lastly, they also repeatedly check my credit report multiple times per month, almost as if they are trying to stunt my credit score growth and rebuilding.
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (SC)

Experian continues to verify an account that is showing a repossession that is not correct. The account, XXXX XXXX XXXX, is showing it was repossessed in XXXX XXXX. I sent Experian proof, the title to the card, showing that the car was paid off and I held the title. They repeatedly claim their information is correct despite the proof that was sent. They are violating the FCRA and I would like to have the account removed from my report. XXXX and XXXX has accepted my proof and removed the account but Experian refuses to acknowledge anything I send them regarding this account.
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (SC)

Navient is reporting a 90 day late payment on my credit report that is incorrect. I have sent letters to Navient and the credit reporting agencies with no success. I was never late on the account and the account is in deferment. It is impossible to have a late payment on the account when it is in deferment. As well as if I was 90 days late I would also have to be 30 and 60 days late but that doesnt show, just an incorrect 90 day late payment. This is showing up on 4 accounts which is affecting my credit rating.
Consumer complaint received 2022-02-10
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. (AL)

My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES and/or bankruptcy ( if any ) from my credit report immediately.
Consumer complaint received 2017-09-13
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Strategic Alliances, Inc. (UT)

Received phone call from a XXXX XXXX, representing First Financial Asset Management, located at XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, GA XXXX. 

Before verifying my identity over the phone, XXXX XXXX began releasing medical debt information ( hospital, dates, patient info ). I had asked her to refrain from doing so, but she insisted that my identity was verified ( it was n't confirmed who she was speaking to ). I asked for a supervisor and the call was passed to a XXXX XXXX ( sic ) who then transferred me to his supervisor, XXXX XXXX. Throughout this call, my identity was not confirmed, but information was released with regards to the subject of their call.
Consumer complaint received 2017-09-13
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. (OH)

Equifax, due to negligence, has leaked my personal information. I have attempted to contact Equifax to free my credit, and they only seem to be interested in SELLING me credit monitoring services. It is completely unacceptable that Equifax is going to be able to PROFIT from their negligence.
Consumer complaint received 2017-09-12
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: ERC (TX)

A new collection was reported on my XXXX account. We contacted the collection company and they do not have any knowledge of this collection and do not have any accounts in there systems. XXXX keeps messing with my credit account and we do not know why this keeps happening.
Consumer complaint received 2017-09-13
Product: Student loan — Private student loan
Issue: Getting a loan — Problem with the interest rate
Company: Navient Solutions, LLC. (WA)

Navient ( at the time known as XXXX ) gave me a ridiculous interest rates ( some > 9 % ) on my private student loans and required me to have co-signers. It is my belief that it was discrimination at work because of my XXXX name. Friends of mine also with no credit history ( like me ) but not with XXXX names were able to obtain loans with reasonable interest rates and without co-signers. I asked XXXX at the time why this was and they could not explain and said that 's what the market rate was without further explanation. I have suffered great financial pain in repaying these loans as a result of the ridiculous interest rates.
Consumer complaint received 2017-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: LEXISNEXIS (IL)

LexisNexis refuses to send me copies of my full consumer disclosure. They are repeatedly sending inaccurate information to the credit bureaus but upon my request for the file, LexisNexis has three times refused to send me a copy.
Consumer complaint received 2019-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In XXXX of XXXX XXXX XXXX XXXX began to report a negative payment record to TransUnion and XXXX. I have never had a mortgage with XXXX XXXX but I had a mortgage that was closed and discharged as part of a BK13 over 7 years ago. XXXX # XXXX. Attached to this complaint is a Cease and Desist letter from my attorney sent to XXXX XXXX back in XXXX. This is negatively effecting my credit report/score and I believe this is against BK13 laws and protections. I am looking to have this account erased from my credit file. This is unacceptable harassment by this lender.
Consumer complaint received 2017-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

In XXXX of 2011, I received a letter from XXXX XXXX XXXX XXXX ( XXXX ) indicating that my ( current/never late ) vehicle loan was being amortized due to my credit card ( delinquent and late due to loss of employment ) account since my credit card had not been paid. At the time, I inquired how this could happen when my car payments were on time/never late, even after relocating out of the country ( my car payments were transferred online from XXXX XXXX to XXXX ). I was told that due to my credit card being delinquent, I would have to refinance my car loan with another company as there was nothing else they could do despite the loan NEVER being late. Fast forward after my second return to the states, the vehicle was repossessed and sold. <P/>I never received a ledger for this account, nor any bill of sale information to determine how much this vehicle was sold for and how much was applied to the balance. This loan also included GAP insurance and other financial protections that I paid an additional {$70.00} a month for, and none of the benefits from those protections were applied to the " remaining balance '' after selling the vehicle. <P/>While reviewing my credit reports, I noticed that late payment dates occur on this account where the account was never late ; additionally, I personally have witnessed how the " Account Balance '' on the account magically changes from {$2800.00} to {$4400.00} and back again EACH time I file a dispute with the three credit bureaus to have the correct information reporting about this account.
Consumer complaint received 2017-09-12
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. (CT)

I have contacted Equifax several times about inquiries and a XXXX account that is on my credit that do n't belong to me. They will remove the account and then put the accounts back on my credit. Clearly with the breach that Equifax had these are most likely a result of this cause XXXX Account act number XXXX XXXX XXXX XXXX XXXX