davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-04
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. (LA)

I have contacted the credit bureau, all 3 on several occasions about items that are reporting on my credit report. These items it either not mine or was settled inn my divorce, in which I am not to be responsible for. I have asked that they remove these items from my report and provide me with the paperwork and they have failed to do so .. The accounts are XXXX XXXX, XXXXXXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX .... These accounts are hindering my life.. I do not want to take a different approach and get an attorney
Consumer complaint received 2023-01-11
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. (MS)

The credit reporting companies used my information fraudulent. Under the Fair Reporting Act ; 15 USC 6802,15 USC 6809,15 USC 1681 my information was used fraudulent without my permission
Consumer complaint received 2021-06-07
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. (MD)

I have sent over 8 disputes regarding information on my credit report that doesn't belong to me! There is serious negligence on the consumer reporting side! I have an FTC report # XXXX with the claim of information that doesn't belong to me! 


As you should know Section 623 ( a ) ( 6 ) ; 15 U.S.C. 1681s-2 ( a ) ( 6 ) Section 623 ( a ) has specific requirements for furnishers of information, including financial institutions, to a consumer reporting agency that received notice from a consumer reporting agency that furnished information may be fraudulent as a result of identity theft. Section 605B, Block of Information Resulting From Identity Theft, requires consumer reporting agencies to notify furnishers of information, including financial institutions, that the information may be the result of identity theft, an identity theft report has been filed, and that a block has been requested.

Upon receiving such notice, Section 623 ( a ) ( 6 ) requires furnishers to establish and follow REASONABLE procedures to ensure that it does not re-report this information to the consumer reporting agency, thus re-polluting the victims consumer report. I am demanding you REINVESTIGATE these accounts and BLOCK them IMMEDIATELY In Cushman v TransUnion, Stevenson v. TRW ( XXXX   ), and Richardson v. Fleet, XXXX, the courts ruled each time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they must conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question ...
Consumer complaint received 2019-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Nationwide Debt Reduction Services, LLC (NY)

I have an issue with an Automobile company and as a result my financial situation took a turn for the worst, so I tried this company Nationwide Debt Reduction Services ( NDRS ) and this Debt Consolidation company was supposed to help me pay down my debt and try to restore some of my credit whiles I figure out my next step. I paid this company for over a year and a half to resolve my debt but, when I asked for some form of receipt showing that the debts were being paid off I was met with hostility or no response. I tried to reach out to several departments within this organization in order to obtain pertinent information that I could furnish to the credit card companies and also, to upload to the dispute department for credit scores to show that certain debts were paid off, to no avail my money was stolen by this company with no remorse and to date I have no proof of any debt being paid. It does not reflect on my credit score that any of these debts were paid off and by debts I mean 6 in total were supposed to be paid but I have nothing except my bank statements to show that the money 's were being deducted from my account by this company.
Consumer complaint received 2022-01-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (MO)

My loans were transferred from XXXX XXXX to Ed Financial due to the contract expiring. I get an email from Ed Financial, introducing me to their company. One problem, it was addressed to someone who is not me. I tried to register with my Social Security Number and SSN, and they were associated with the same incorrect name.
Consumer complaint received 2021-06-07
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)

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SS XXXX Birth Day XX/XX/XXXX I'm requesting from XXXX to follow the law and report all four accounts on my XXXX credit report. 
Because of XXXX negligence my FICO score is down XXXX points. Either they are reporting incorrect information or not reporting my accounts and keeping my FICO score low.The banks have tried to report it to XXXX but for some reason XXXX is not able to report it on my credit file. For verification purposes I am sending you statements from all four credit cards. a copy of my driver license and utility bill. 
If XXXX fails again to report these accounts on my credit report I will be forced to take legal action for damaging my credit. 








XXXX XX/XX/XXXX XXXX DO NOT have it on my credit file Account # XXXX XXXX XXXX, XXXX. 
Exceptional payment history Opened XX/XX/XXXX ( XXXX DO NOT have it on my credit file. 
Account # XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX DO NOT have it on my credit file Exceptional payment history XXXX XX/XX/XXXX XXXX DO NOT have it on my credit file XXXX XXXX XXXX  # XXXX Open XXXX XXXX
Consumer complaint received 2018-07-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Ameritech Financial (VA)

Last year, I consolidated my student loans into a single student loan with the help of Ameritech Financial. Due to prior XXXX treatment, I was having hardship making the payments as requested and was offered a method of making minimal payments until I got a job again, as well as the potential for loan forgiveness. 
Ameritech consolidated my loan and set up automated payments of {$100.00} through XXXX XXXX XXXX XXXX. These payments went out on the XXXX  or XXXX  of each month starting in XX/XX/2017, while the loan was consolidated under XXXX. 
Recently, I received a letter from the FTC stating that Ameritech was being sued by the FTC for their practices. Upon review of my XXXX account, I discovered that not a single payment was made to my debt since it's consolidation, excepting the payments I had set up individually in XX/XX/XXXX. So my debt had gone up by several thousand dollars. 
It was also discovered that Ameritech had changed the contact number on my Federal Student Aid account to an unknown number, thereby preventing me from receiving any calls regarding my accounts. This has since been fixed, and the password changed. 
As a result of these practices, I am no several thousand dollars more in debt and have likely taken a hit to my credit score.
Consumer complaint received 2023-04-07
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. (TX)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, LA XXXX Date Updated : XX/XX/XXXX, XXXX XXXX XXXX XXXX, TX XXXX XXXX Updated : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX Balance Owed : {$2400.00}, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-09-21
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: Allied Collection Services, Inc. (Nevada) (GA)

I pulled a credit report and found out that there was a account on my credit from Allied ( Account number XXXX ) XXXXThe was a collection place on my account that has no history of any kind other than a ( C ) on it which stands for collection. I was not notified of this by XXXX or by ALLIED ( COLLECTION SERV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ). I request that the information by phone directly with an agent. I also sent in letter to XXXX. I also sent allied a letter. The item remains on my account
Consumer complaint received 2022-04-29
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. (CA)

I submitted all of my " Credit Limits '' - of all my credit cards to the bureaus ' and my credit totals collectively add up to a total credit line of : {$110000.00} and the Bureau 's are only showing a top credit line of only : {$76000.00} which is a whopping " {$37000.00} '' missing limit which would greatly decrease my credit balances, and decrease my credit ratios. XXXX for the most part tend to be the most stubborn aggressor in changing my information to a correct status. This change will increase my credit ratios and scores. After all, these Bureau 's are in the business of reporting " Bad Credit '' - The worse the credit, the more credit reports and fees are collected because all consumers at some point must use their scores, for credit approvals, home purchases and car purchases..Just to name a few. But the Credit Bureau 's are making a killing in fees. I need for your organization to help me in keeping these Bureau 's transparent, yet liable for their fraudulent actions. I have suffered enough by their inaccurate scoring models. Please help me to restore my Credit Standing, Scores, and proper reporting status
Consumer complaint received 2024-03-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

On XX/XX/2024, I deposited a cashier 's check into my checking account with Capital One Bank. I did so via ATM. Before doing so, I spoke with customer service representatives who assured me that the ATM would recognize the check as being a cashier 's check and that there would not be any issues with the deposit.

After returning home ( I've had previous issues with Capital One 's mobile depositing ), I received XXXX e-mails. The first stated that my deposit was successful. The second, which came minutes later, stated that there was a hold being placed on my deposit- because of concerns from confidential sources that the check might be returned. I deposited a cashier 's check which means the funds were available and guaranteed.

When I called Customer Service, I was advised what I've just stated. This is completely unacceptable. Guaranteed funds should be available the next business day - and not at Capital One 's whim.
Consumer complaint received 2023-01-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION (NY)

I purchased a XXXX XXXX XXXX from XXXX XXXX in XXXX of XXXX. At the time being a single mother with XXXX young sons, one of whom was very sick I needed reliable transportation to get my son back and forth to medical appointments and I couldn't get a car loan anywhere else. The car I was driving had a rusted out frame. XXXX XXXX guaranteed car loans through Credit Acceptance so I took the loan because I had no choice. I financed approximately XXXX with Credit Acceptance Corp. Over the course of the loan I paid over XXXX. By XXXX of XXXX the car was rusting out and I traded it in. However the balance of the loan had to be rolled over into my new loan with a different company. 
What credit acceptance showed on their website as owed from month to month vs what showed as owed on my XXXX credit report never matched. The credit report always reflected less than what credit acceptance 's customer portal showed I owed. 
In addition during XXXX auto lenders were not supposed to report late payments as long as you contacted your lender and made payment arrangements. I contacted Credit Acceptance when I fell behind by two payments and made payment arrangements. They continually reported my loan as late. However, I stayed with my payment arrangement and brought my loan current. When I contacted Credit Acceptance regarding this they ignored me and failed to make corrections.

Having a loan with Credit Acceptance not only harmed my credit because of their unfair practices and failure to make corrections when the reported inaccurate information, but I believe it also cost me thousands of dollars in additional fees that were not disclosed in my original loan documents. I would like the corrections made to my credit report now and to be refunded the amounts that I was overcharged.
Consumer complaint received 2021-10-12
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Transunion claims they verified a {$130.00} charge off on my credit report. as you can see in their response, they did not provide how this was verified even though i specified that request in my letter and wanted to see a contract from this company with my name on it. This is the third time with problems with trans union. why are they allowed to bend the rules? for instance, that same {$130.00} was first reported in XX/XX/2019. However transunion is allowing this company to update it every month, then transunion reports it as a new collection every month. it does state age of account is 2yo but it still gets listed as new every month. This is ridiculous.
Consumer complaint received 2022-09-21
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PlusFour, Inc (NV)

XXXX is lying about amount owed XXXX  XXXX to the therapy once you sign every time you show up I only signed for one visit after finding out he is a quack and running up a bill on a minor accident I dismissed the attorney XXXX XXXX and walked I was not hurt that bad as well his doctor not mine only supposed to get paid if win cas e IT WAS DISMISSED
Consumer complaint received 2021-09-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (CA)

I called fifth third bank for mortgage forbearance around XXXX of 2020. The forbearance plan was initiated but was cancelled shortly after before my mortgage for the month of XXXX was due. Fifth third bank officially cancelled it after I called in. 

Afterwards I paid my mortgage on time for the next six months until XX/XX/2020. Thats when I called in to initiate covid mortgage forebrance again according to the CARES Act. This time I officially utilized it for 12 months. Fast forward to now its been a year and I have 6 month left on my extension for foreberance since CAREs act stated 18 month total for my situation, and the mortgage servicer confirmed I do qualify for 18 months. 

While on the phone with their customer service representative they stated I can not have my full 18 months because XX/XX/2020 I called in to start foreberance. They are counting the 6 months gap between XX/XX/2020 to XX/XX/2020 as foreberance taken, even though I wasnt on the the plan becuase it was cancelled and I made all Mortgage payment due on time during that 6 months gap. 

The customer service also lied on the phone stating they are doing this because its their investors policy. And the investor happens fo be XXXX  XXXX  which the representative gave me their customer service number. I called XXXX XXXX  they have stated they never issued any policies regarding this and they abide by the CARES Act of granting 18 months of forbearance.
Consumer complaint received 2018-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

Frauding scams using XXXX Indiana and XXXX Indiana title work attached to towns social numbers and birth certificate and XXXX   record and schools records, 50 states frauding cases Also frauding scams using XXXX fraud ids and business permits Frauding scams using XXXX business permits and ids There was others counties of Indiana which wrecked on that location of data
Consumer complaint received 2021-06-07
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: Experian Information Solutions Inc. (FL)

I sent out a letter To Verify The Accuracy On my Credit Report on XX/XX/2021. I Also sent out a demand a comply letter as well. It's been over 30 plus days in have not had a response. Under the FCRA 15 U.S.C. 1681i, all unverified accounts MUST be promptly deleted. They were unable to provide me with a copy of the supporting documentation as proof. So I demand for the item to be removed.

Also under 15 U.S. Code 1681 - Congressional findings and statement of purpose.

( a ) Accuracy and fairness of credit reporting. I don't feel i am being treated fair.

Accuracy mean that all value are deem correct and Accuracy is measure of value.

Fairness means no one is taking unjust advantage of another. I fell they willfully and knowingly that they are reporting inaccurate information and committing fraud.

( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

Its hurting my Confidence and i am the natural person.
Consumer complaint received 2018-02-11
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: WELLS FARGO & COMPANY (CA)

Frauding scams using XXXX Indiana and XXXX Indiana title work attached to towns social numbers and birth certificate and XXXX   record and schools records, 50 states frauding cases Also frauding scams using XXXX fraud ids and business permits Frauding scams using XXXX business permits and ids There was others counties of Indiana which wrecked on that location of data
Consumer complaint received 2023-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I am a victim of identity theft and there is a XXXX account on my credit that I had called XXXX and closed due to it being fraudulently opened. XXXX agreed to close the account due to the identity theft. I requested for XXXX and Equifax to remove the account from my credit report however, it is still somehow there. I need this fraudulent account removed from my credit report as soon as possible considering the fact that I closed this account due to identity theft. Please remove this account from my credit.
Consumer complaint received 2023-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am a victim of identity theft and there is a XXXX account on my credit that I had called XXXX and closed due to it being fraudulently opened. XXXX agreed to close the account due to the identity theft. I requested for Transunion and XXXX to remove the account from my credit report however, it is still somehow there. I need this fraudulent account removed from my credit report as soon as possible considering the fact that I closed this account due to identity theft. Please remove this account from my credit.
Consumer complaint received 2023-04-07
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: NAVY FEDERAL CREDIT UNION (CA)

I am very concerned because my credit reports are showing discrepancies. I am a very concerned consumer and want only true information about me reporting. I have highlighted all the discrepancies. Please remove this inaccurate information as you are in violation.
Consumer complaint received 2023-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

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

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or a list of Inquiries : 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 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 or 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.