davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-10
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: EQUIFAX, INC. (GA)

In XX/XX/XXXX I submitted a dispute with Equifax since they are reporting my bankruptcy as a chapter XXXX when it was instead a chapter XXXX. ( Equifax Confirmation Number : XXXX ) After the issues my wife had she suggested I submit the complaint through the CFPB which she had done. I 've submitted two complaints for the same issue through CFPB, and when calling was informed that there were issues with the system causing me not to be able to log in to view the complaint. Both we closed with the same failed result. Equifax still shows a chapter XXXX instead of a XXXX. Complaint number : XXXX Date submitted to CFPB : XX/XX/XXXX Date sent to company : XX/XX/XXXX Complaint number : XXXX Date submitted to CFPB : XX/XX/XXXX Date sent to company : XX/XX/XXXX I will attached the documents from my wife 's complaint for the same issue showing that they were able to resolve it after the first attempt through the CFPB. It also includes a copy of the discharge letter from the Chapter XXXX trustee.
Consumer complaint received 2021-03-30
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. (GA)

Transunion refused to delete fraudulent inquiries reporting from XXXX XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX and XXXX XXXX XXXX XX/XX/XXXX. Transunion customer service would not help and take care of the fraudulent negative inquiries reporting to my credit report.Transunion file number is XXXX.
Consumer complaint received 2020-10-21
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. (WA)

On XX/XX/2020 the XXXX XXXX XXXX ran my credit check with the TransUnion credit reporting agency, and my credit score was shown as XXXX. That is totally incorrect! I was rejected based on incorrect information. The credit score that TransUnion is showing to me is XXXX.
Consumer complaint received 2017-08-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (NJ)

While I closed out my account a few weeks ago in regards to a late fee that was accessed to my account due to the automatic payments not coming out. I noticed that there was a charge to my account that I did not authorize. When I contacted the company I was advised that I agree to the charge. However I did not agree. The charge is fraudulent and I would like this company reprimanded.
Consumer complaint received 2021-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (GA)

My student loan, is owned by Navient. Up until XXXX, XXXX, I've either been in their forbearance, or deferment programs. However, from XXXX XXXX, they inconsistently listed my account as 'late ' by 90 and 120 days. However, my account was in good standing, for the previous month ( s ). Example : XXXX & XXXX, XXXX, shows my account 90 & 120 late, but XXXX, XXXX, and XXXX, my account is in good standing. So, how can I be 90, or even 120 days behind? XXXX and XXXX, would have had to be 30 and 60 days, behind, but they are being reported as in good standing. This is the case for XXXX & XXXX, where Navient is inconsistently showing, my account, as 90 & 120 late, when the preceding month ( s ), are in good standing.

I've sent all three ( 3 ) credit reporting agencies, a formal dispute. All but one ( 1 ), XXXX, have removed the in formation. I even wrote Navient, and they refuse to either correct, or remove the items in questioned. Replying, that I was late, and that my deferment didn't cover the dates they are reporting. Their reporting is skewed, and without merit.
Consumer complaint received 2022-04-05
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: EQUIFAX, INC. (NC)

This inquiry was not removed with my previous CFPB dispute number # XXXX XXXX XXXX replied to my XXXX complaint that they dissolved their relationship with Equifax. I have 2 attach items. So who is Equifax verifying this supposed accurate information with? This is clearly an FCRA violation and needs to be removed immediately
Consumer complaint received 2021-04-30
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 (FL)

I, XXXX XXXX as a federally protected consumer am protected under the Fair Credit Reporting Act ( 15 USC 1681 ). The FCRA is intended to secure the right to accuracy, fairness, and privacy of my consumer information contained in the files of consumer reporting agencies and those rights have been violated. As a federally protected consumer, I have the right to privacy. Any and all information deemed private should not be posted to my consumer report ; SUNTRUST DBA LIGHTSTREAM is in direct violation of 15 USC 1681a ( 4 ) by furnishing this on my consumer report and is infringing upon my right to privacy. SUNTRUST DBA LIGHTSTREAM is also in violation of 15 USC 1681a ( 2 ) ( iii ) as I did not provide any authorization, written nor oral, to furnish the following hard inquiries on my consumer report - see Exhibit A : SUNTRUST DBA LIGHTSTREAM XX/XX/21. As a federally protected consumer, I am exercising my rights to choose not to provide this information on my consumer report and am asking that it be removed immediately. SUNTRUST DBA LIGHTSTREAM is also in violation of 15 USC 1681c-2 as these hard inquiries were the result of identity theft - see Exhibit B.
Consumer complaint received 2021-04-30
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. (GA)

Experian is reporting my last late payment at XX/XX/XXXX when XXXX is reporting XX/XX/XXXX. I have disputed this two times and while XXXX provided the correct date, Experian is still using the incorrect ( and more recent ) date that's negatively impacting my XXXX score.
Consumer complaint received 2021-07-19
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: EQUIFAX, INC. (TX)

On XX/XX/2021, XXXX XXXX XXXX added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debt Creditor did not verify this collection. Also, there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and says it's mine. According to the FCRA, XXXX XXXX XXXX has violated my rights as a consumer and Im requesting legal action to remove this account immediately.
Consumer complaint received 2020-11-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC. (FL)

My employer was served a court notice about a alleged debt with XXXX in which I dont recall or have any knowledge of having it that was owed since XXXX never was aware or knew anything about this until today XXXX XXXX its discouraging considering they are making an attempt to garnish my wages on something I have no knowledge of. The initial debt was XXXX in XX/XX/2006 and now they are seeking XXXX in which is ridiculous and immoral!!
Consumer complaint received 2022-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-04-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (AL)

I keep getting emails from navient saying they will offer forbearance and/or hardship. I am confused as to why they are emailing me about payments and they are no longer in the business with student loans. I got several emails stating they want a payment or it will be turned over to the 3 credit agencies. Payments are even at a halt so why are they asking for money. Advantages is the new company. I do have emails to back it up Thanks XXXX XXXX
Consumer complaint received 2017-07-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK (NC)

On XX/XX/XXXX I wrote a heart filled letter to XXXX XXXX XXXX himself to ensure that I would not accumulate any late payment history and informed XXXX XXXX of my situation. XXXX XXXX responded with no empathy and made me feel like I was just a number, no customer should ever have to feel like that. I submitted a document to support my current situation and enrolled into their hardship program with automatic payments to ensure that I would not incur any late payment information on my credit report. I take pride in having a spotless record and % 100 on time payments. I 'm a single father and with a XXXX year old son that motivates me everyday to work harder and strive to be the best father that I can be. Last year me and my son lost everything due to hurricane XXXX on XX/XX/XXXX and currently we are grieving the loss of life, my grandfather and Discover does not make this any easier for us, my life will never be the same and I still feel empty. On XX/XX/XXXX discover reported late information to my report after I agree contractually to take part in their hardship program, I received a letter dated XX/XX/XXXX that did not align with the program I agreed to take part of, the letter contained information that indicates XXXX XXXX did not review my account correctly and no remorse was displayed whatsoever. I informed XXXX XXXX that I 'm improving my credit report so I can obtain financing for a new home.
Consumer complaint received 2021-07-19
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. (NY)

I have sent in Letters to the bureaus stating that i have personal information on my report that is wrong and a bank ruptcy on my credit report that is not supposed to be there because i spoke to the court and they said that they do not give information like that to the bureaus and i would like it to be removed so we can get to the bottom of this, i work to hard to have my credit report messed up especially when it's out of my control, the reason behind this complaint is that it has been well over 60 days and i have not heard anything from these credit bureaus, i did my job by sending the letters to inform them I need this fixed, now its time they did theres, i will list some accounts below and add more of my information so everything goes smoothly, lets fix this please. 

I sent these to XXXX  - 1. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX 2. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX 3. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX 4. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX 5. FDCPA Section 807 Violation Misleading False Reporting Bankruptcy : Discharged CHXXXX Case Number : XXXX This account is inaccurate. Please delete at once. 

i sent these to tranunion - 1. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX XX/XX/XXXX 2. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, NY XXXX 3. FDCPA Section 807 Violation Misleading False Reporting Chapter XXXX bankruptcy discharged Case Number : XXXX This account is inaccurate. Please delete at once. 

and i sent these to XXXX  - 1. The following personal information is incorrect Account Number : Also Known As : XXXX XXXX XXXXXXXX 2. The following personal information is incorrect Account Number : Also Known As : XXXX XXXX XXXX 3. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, NY XXXX XX/XX/XXXX 4. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX 5. FDCPA Section 807 Violation Misleading False Reporting Bankruptcy chapter XXXXdischarged Case Number : XXXX This account is inaccurate. Please delete at once.
Consumer complaint received 2020-10-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3000.00}, {$0.00}, {$2100.00}, {$6600.00}, {$0.00}, {$8700.00}, {$9500.00}, {$63.00}, {$520.00}, {$360.00}, {$2300.00}, {$7200.00}. 
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 ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3000.00} -This is not my account. 

2. XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2100.00} -This is not my account. 


-- AUTO ACCOUNTS 4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6600.00} -This is not my account. 

5. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- PERSONAL ACCOUNTS 6. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8700.00} -This is not my account. 

7. XXXX XXXX XXXX XXXXXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9500.00} -This is not my account. 


-- COLLECTION ACCOUNTS 8. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$63.00} -This is not my account. 

9XXXX XXXX XXXX, XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$520.00} -This is not my account. 

10. XXXX  XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$360.00} -This is not my account. 

11. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account. 

12. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7200.00} -This is not my account.
Consumer complaint received 2020-10-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I previously reached out for information about my credit card payments. I was still not given a definitive reason as to why my minimum monthly amount due was increased from {$50.00} to {$51.00}. Nonetheless I increased my monthly payment amount to {$75.00} and have been making payments every month on time and my amount due each month continues to fluctuate up and down without me being informed. I do not and have not used my credit card for purchases in over a year. I should have been notified early on so that I could stay up to date with my bills. I would like an explanation as to why my amounts due are always being changed.
Consumer complaint received 2021-09-15
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. (FL)

Credit Bureau Equifax, XXXX, and XXXX failed to reply to letters I sent in before on accounts that are being negatively reported. 

I have reached out to them via mail and fax and no reply in 4 attempts.
Consumer complaint received 2021-04-26
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. (SC)

Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XX/XX/XXXX), you may be liable for your willful non-compliance.
Consumer complaint received 2017-07-06
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ORG GC GP BUYER, LLC (MN)

I was promised  XXXX  $ dollars to switch from  XXXX   XXXX  to  XXXX   XXXX  come to find oylut it was lying tactics they use to get your business! I refer approx  XXXX  out of the  XXXX  I was promised!
Consumer complaint received 2023-01-20
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. (SC)

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-02-02
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)

On XX/XX/XXXX - XX/XX/XXXX TransUnion placed my credit score at XXXX On XX/XX/XXXX TransUnion placed my credit score at XXXX I inquired with TransUnion about the lowering of my credit score ; and no response as of XX/XX/XXXX. 

On XX/XX/XXXX TansUnion placed my credit score at XXXX
Consumer complaint received 2021-03-30
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. (FL)

I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 45 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me. Do not send me no automate message I need this stuff fixed.
Consumer complaint received 2020-10-21
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

I was contacted by phone to call a debt collector or future legal action would be taken. I called them but they refused to notify my in writing about this debt such as amount owed. I also disputed the debt with them. They are refusing to contact me in wiring.