davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-13
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. (MD)

I sent a dispute of items that were alleged to belong to me to XXXX, Equifax, and XXXX on XX/XX/2021. The 30-day time frame is outlined in the FCRA 611 ( 15 U.S.C. 1681I ), which has passed and they are out of compliance. This is not good for them to keep reporting this inaccurate information that is staining my credit report, which I've worked hard to build. For all I know this could be linked to the Equifax data breach. I would like this information removed immediately per the law or I will proceed with filing litigation.
Consumer complaint received 2017-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On   XXXX   report a company called  XXXX   XXXX   XXXX  put something on my report in error. I have resolved issue with   XXXX   XXXX   XXXX   they sent me letter saying they would have it removed. i also sent letter and dispute to  XXXX  and the results per Report  Number  :  XXXX  on  XXXX / XXXX /   2017  was that the information remains. This information should not be reporting and i did submit the documentation from    XXXX   XXXX
Consumer complaint received 2017-07-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: MEMA CORP (CO)

Writ of continuing garnishment delivered to place of employment. Date of issue XX/XX/XXXX. Original judgment entered on XX/XX/XXXX. Been at same job and same residence for several years. Have absolutely no knowledge of the debt nor any knowledge of the court order. Was never served nor was I allowed to dispute the validity of the debt. Received absolutely nothing in writing pertaining to this. I would really like to know who I am paying? Judgement creditor XXXX XXXX XXXX XXXX XXXX XXXX, co XXXX Plaintiff XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, co. XXXX.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Report act. the list of accounts below has violated my federally protected consumer rights to privacy under 15 USC 1681 XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX Date reported XX/XX/XXXX Date assigned XX/XX/XXXX Amount {$6900.00} Status date XX/XX/XXXX Balance date XX/XX/XXXX Account designator code Individual account Account number xxxxxx XXXXXXXX XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights 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 2 : it also 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 consumer to any consumer reporting agency if the privacy and confidentiality under 15 USC 1681.
Consumer complaint received 2017-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

There is a bankruptcy on my credit that I had initially started but I did n't finish going thru with it and it has shown on my credit for 3 years. I have disputed with all  XXXX  credit bureau with no change to my reports.
Consumer complaint received 2018-02-01
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. (NY)

Fraudulent hard inquiries appear on my credit report. I have tried disputing them and have had no success. Please have the three credit bureaus, XXXX, Equifax, and XXXX remove the following hard inquiries from my credit report : XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX My personal identity was stolen and i did not make these requests. 

Thank you
Consumer complaint received 2017-06-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AFNI INC. (TX)

I recently pulled all  XXXX  of my credit reports. I noticed  XXXX  collection accounts from AFNI. I called and spoke with a rep who tried to inform me that I was indeed liable for the date. When I asked them to send me validation that indeed the debt is mines she informed me she would and I provided her with my email address along with my mailing address. 30 days have passed and I have yet to receive anything. I contact them again on  XXXX / XXXX / 17  and was informed that the information had been mailed. She was unable to provide me with an exact date. After asking for them to remove the information from my credit since it was not able to be validated she gave me every excuse on why she could not delete it and ask for payment again for the 3rd time.
Consumer complaint received 2017-06-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I feel my rights under FCRA has been violated due to being denied copies of documents that were supposedly used to validate accounts and public records on my credit files. Ive been trying to resolve multiple negative student loans accounts on my credit report.   Accounts listed below :   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , KS  XXXX  Last Reported o n   XXXX   XXXX   XXXX    Balance {$1100.00}  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , SC  XXXX  Last Reported on   XXXX   XXXX   XXXX     Balance {$150.00}   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , Tx.  XXXX  Last Reported on  XX/XX/XXXX    Balance {$11000.00}   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , Tx.  XXXX  Last  Reported  on   XXXX   XXXX   Balance {$10000.00}  XXXX   XXXX   XXXX   XXXX    XXXX    XXXX   XXXX   XXXX , Tx.  XXXX  Last Reported on   XXXX   XXXX   XXXX     Balance {$26000.00}  XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX , Tx.  XXXX  Last Reported on   XXXX   XXXX   XXXX     Balance {$8700.00}  XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX , Tx.  XXXX  Las t Reported o n  XXXX   XXXX ,   XXXX    Balance  {$850.00}
Consumer complaint received 2021-08-13
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. (MD)

I sent a dispute of items that were alleged to belong to me to XXXX XXXX and Transunion on XX/XX/2021. The 30-day time frame is outlined in the FCRA 611 ( 15 U.S.C. 1681I ), which has passed and they are out of compliance. This is not good for them to keep reporting this inaccurate information that is staining my credit report, which I've worked hard to build. For all I know this could be linked to the XXXX data breach. I would like this information removed immediately per the law or I will proceed with filing litigation.
Consumer complaint received 2020-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MI)

This is my 3rd time trying to fix the errors of this alleged account. I wrote two letters both XXXX and XXXX of XXXX, but yet inaccuracies still remain. I have attached a photo proof below of the inconsistencies and inaccuracies that have been continuously verified. The date of last activity in different across all three bureaus Equifax shows XX/XX/XXXX, XXXX  shows XX/XX/XXXX and XXXX  has XX/XX/XXXX. Please tell me how this information was verified by the same creditor but still report inconsistently across three bureaus? I have a right to an accurate credit report please delete this unverified inaccurate account immediately.

Account Name : US DEPT ED Account # : XXXX
Consumer complaint received 2017-07-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ad Astra Recovery Services Inc (AZ)

Ad Astra Recovery Services Inc. is trying to collect on a debt for a title loan account via XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I do not recall ever having a title loan through this company and have tried repeatedly to get proof the debt belongs to me by requesting a contract from Ad Astra bearing my original signature. Ad Astra has been unable or unwilling to provide this information. I have reported to all XXXX credit bureaus that Ad Astra has been unable to provide this information and the debt still remains on my credit. Ad Astra is also  reporting false information on the date this account was opened. According to the statement I was sent, it was opened in XX/XX/XXXX and Ad Astra states it was opened XX/XX/XXXX. Per the Fair Credit Reporting Act, changing the date the account is opened/closed is against Federal Regulations.
Consumer complaint received 2020-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

This is my 3rd time trying to fix the errors of this alleged account. I wrote two letters both XXXX and XXXX of XXXX, but yet inaccuracies still remain. I have attached a photo proof below of the inconsistencies and inaccuracies that have been continuously verified. The date of last activity in different across all three bureaus XXXX  shows XX/XX/XXXX, XXXX  shows XX/XX/XXXX and Transunion has XX/XX/XXXX. Please tell me how this information was verified by the same creditor but still report inconsistently across three bureaus? I have a right to an accurate credit report please delete this unverified inaccurate account immediately.

Account Name : US DEPT ED Account # : XXXX
Consumer complaint received 2018-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I opened a student loan in XXXX 2011 for about {$4500.00} and I have never received a bill and now they are stating I have been failing to pay this is not accurate I have never received any bill payment notification regarding me paying any loans for school the last time I checked they where not do was not notified and so there still should have been some type of bill sent to me regarding the loan amount, and or what I was to pay instead they just started reporting derogatory marks on my credit report and I have made several attempts to be heard, and I have not found any help. Not to mention how did {$4500.00} go to {$4900.00}????
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-13
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

EXPERIAN DOES NOT WANT TO DO ANY DISPUTE MORE THAN ONE TIME.NO MATTER WHAT DEVELOPS, NO MATTER WHAT EVIDENCE IS PRESENTED, NO MATTER IF THE ACCOUNT BECAME CLOSED AND PAID THEY WILL CALL ANY SECOND DISPUTE BY ANYONE ANYTIME FOR ANY REASON ... FRIVOLOUS ... THEY STAND BEHIND THE FCRA THEN THEY BREAK THOSE LAWS CONSTANTLY ... THEY SHOULD BE REMOVED AND REPLACED BY XXXX OR ANY RESPONSIBLE BUREAU AND NO LONGER BE A BIG THREE MEMBER.THEY HAVE PROGRAMMED THE FRAUDS ON CONSUMERS INTO THEIR AUTOMATED SYSTEMS AND WILL CONTINUE UNTIL LAW ENFORCEMENT, THE CFPB OR CONGRESS STOPS THEM. THEY HAVE NOT A SHRED OF INTEGRITY LEFT AS A FUNCTIONOING COMPANY AND SHOULD BE FINED EVERY SINGLE TIME THEY BREAK THE LAW UNTIL THEY DECIDE TO STOP BREAKING THE FCRA.
Consumer complaint received 2021-09-09
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MT)

I have sent multiple letters asking for validation and the method of how they validated multiple fraudulent and questionable items on my credit report and have not received back anything in over 45 days for these accounts that are clearly inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers, and this has caused a big stress on my life.
Consumer complaint received 2017-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

I had a dispute with the IRS for tax year   XXXX   which was successfully ruled in my favor. During the dispute process CA state issued a tax lien against me. They later reversed this lein as it was issued on false information gathered from the IRS. The lien was released less than  two  months later but had already been placed on my credit. This should be removed from my credit report by all  XXXX  credit agencies not just shown as released. Again I never owed this money therefore the lien should never have been filed and the credit agencies are reporting it as if I did and paid it.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I did a soft pull with XXXX XXXX XXXX on XX/XX/24 -- and it stated clearly on their website this would ONLY be a soft pull. I immediately got a notification from EXPERIAN that my credit file had a hard inquiry upon it. XXXX failed to send me an email afterwards with ANY information as to what they had done. 

I will be following up when they open with XXXX XXXX - XXXX XXXX XXXX  for XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-06-17
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I feel my rights under FCRA has been violated due to being denied copies of documents that were supposedly used to validate accounts and public records on my credit files. Ive been trying to resolve multiple negative student loans accounts on my credit report.
Consumer complaint received 2017-07-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Fedloan Help (NE)

I was contacted by this company, Fedloan Help , Inc and led to believe that I was going to be repaying my student loan debt and that I was going to be enrolled in the loan forgiveness program that forgives your loan after 10 years of payment. I have been making payments for the past year in the amount of {$72.00} and was under the impression that I was taking care of my loan directly. Recently I received emails from XXXX XXXX saying that I was in delinquency for failure to pay my loan balance. I was told that none of my payments for the past year were applied to my student loans and I was not enrolled in the loan forgiveness program. I believe I was falsely lead into paying a third party company and that they were deliberately deceiving me. I received monthly payment invoicing notices claiming that this was my courtesy student loan payment reminder which contributed to the deceit. I have paid the {$72.00} every month for the past year and paid a total of {$860.00}. Not only did this company enroll me on false pretenses, they also did n't inform me that I had to continue on my own every year to reinstate the payments. This has negatively impacted me, I do n't have the money to pay two separate companies for the same service and I was told my credit score could also be negatively impacted because I was considered delinquent on a loan.
Consumer complaint received 2021-05-22
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: Merchants and Professional Bureau, Inc. (CA)

XXXX has repeatedly without hesitation taken $ XXXX per month from me for their credit monitoring and fraud defense service yet to date has not only failed to assist me with identity theft issues, but has also lied about conducting investigations into information on my report that was the result of identity theft. There dishonest and unlawful approach to supporting identity theft victims is well documented since one of the furnishers ( who I contacted through the CFPB ) has disclosed that XXXX  never once informed them that their information on my CR had been reported as resulting from identity theft. 

XXXX has continued there brazen disregard of the law by failing to properly investigate a recent collection account that has appeared on my credit report. They also unlawfully refuse to provide an explanation of the steps and process they used in there alleged investigation of my dispute of this collection account, which only further brings into question whether or not they actually properly investigated. 

They also will only allow paying customers to view the results of their disputes.
Consumer complaint received 2017-06-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I feel my rights under FCRA has been violated due to being denied copies of documents that were supposedly used to validate accounts and public records on my credit files. Ive been trying to resolve multiple negative student loans accounts on my credit report. Due to poor lack of investigation and communication I 'm requesting that all of the accounts be removed. All of the loans in question were recently paid off and some were consolidated, but the negative accounts that have been reported are hurting my scores.
Consumer complaint received 2017-07-13
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Quality Recovery Services, Inc. (GA)

Because i was trying to pay  XXXX  a month and the interate keep going up was trying to explain to them that i am on a fix income and all i could pay is  XXXX  a month and they told me i had to pay  XXXX  are my interate will keep going up which i dont have  XXXX  a month
Consumer complaint received 2022-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Accordance with the Fair Credit Reporting Act, XXXX XXXXXXXX XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States that I have a 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 2022-09-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (NY)

I have been a victim of wire transfer fraud recently. 
Date : XX/XX/2022 Amount : {$2100.00} XXXX transferred the above amount to Wells Fargo Account XXXX XXXX Account Identifier : XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, WI XXXX I could reclaim {$690.00} with the help of my bank - XXXX
Consumer complaint received 2021-09-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My name is XXXX XXXX. I pulled my credit report and notice some accounts reported inaccurately on my report. I already send multiple letters to the creditors and credit bureaus regarding the inaccurate reporting on my report for the past months and haven't received any response from them. I never gave you any written consent to report anything on my consumer report, and they haven't responded in over 30 days.