davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I HAVE PREVIOUSLY DISPUTED ( Bankruptcy XXXX  XXXX / Reference number XXXX ) WITH TRANSUNION, AND IN RESPONSE, TRANSUNION VERIFIED THE ITEM AS ACCURATE, STATING THAT THEY HAVE VERIFIED THE INFORMATION WITH THE COURT. I CONTACTED THE COURT, AND THEIR RESPONSE IS ENCLOSED. IT IS CLEAR THEY DO NOT REPORT TO YOU OR ANY CREDIT BUREAU FOR THAT MATTER : THEREFORE. YOUR INITIAL RESPONSE VERIFYING THE ITEM WITH THE COURT WAS EITHER AN ERROR OR A LIE. EITHER WAY, THE REPORTING REQUIREMENTS DO NOT COMPLY WITH FCRA 611 ( 15 U.S.C. 16811 ), AND THE INFORMATION MUST BE DELETED IMMEDIATELY. I EVEN CONTACTED XXXX AND ASK THEM IF THEY VERIFY THE BANKRUPTCY WITH TRANSUNION AND THERE ANSWER NO THEY DID NOT VERY IT WITH TRANSUNION BECAUSE THEY DONT HAVE IT ON THERE REPORT AND EVEN THEY DID DISPUTE IT WITH TRANSUNION TO REMOVE IT. Still, TRANSUNION DID NOT RESPOND TO XXXX!! ACCORDING TO XXXX THE BANKRUPTCY IS UNVERIFIABLE AND HAS TO BE DELETED FROM TRANSUNION REPORT... PLEASE FIND THE ATTACHMENT FOR MORE INFORMATION. TRANSUNION really did not reinvestigate they lied on an official document saying they did something they did not do and I have evidence to prove my case, BEST REGARDS XXXX XXXX. 

I HAVE PREVIOUSLY DISPUTED THE BANKRUPTCY XXXX  XXXX WITH CFPB FOR XXXX AND BECAUSE XXXX INVESTIGATED THIS MATTER THE RIGHT WAY! XXXX WENT AHEAD AND REMOVED IT AND DELETED IT FROM THEIR CREDIT REPORT BECAUSE THE BANKRUPTCY ON MY CREDIT REPORT UNVERIFIABLE, ACCORDING TO THE CFPB WEBSITE, What happens after you send in your dispute The credit reporting company investigates The credit reporting company you sent the dispute letter to must investigate your dispute, forward copies of relevant documents to the company that provided the information about you, and report the results back to you. 

A credit reporting company is not required to take action about disputes that are frivolous. The company must send you a notice explaining that it has decided the dispute is frivolous, and the notice must be sent within five business days after it makes the decision. 

The information furnisher makes corrections and notifies all the credit reporting companies After correcting information about you, the information furnisher is responsible for notifying all the credit reporting companies about the corrected information. Then, the credit reporting companies update your credit reports. 

The information furnisher might determine the information about you is accurate and should not be updated or removed. In that case, you can contact the credit reporting companies again and ask them to include a statement explaining the dispute in your credit reports. The statement is then added to your file and provided to whoever requests your credit report in future.
Consumer complaint received 2021-01-28
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. (IA)

Dear Equifax This letter serves as the formal notice of my intent to file a lawsuit against Equifax for the many willful violations and/or negligence allowing inaccurate information to be on my Equifax credit report after several factual disputes filed by myself over the last 5 years. I have filed disputes online, by mail and phone clearly stating and providing proof of many specific inaccuracies on the XXXX XXXX XXXX account. 
Your replies to the disputes claim everything is accurate. I have gone through my entire account history with XXXX and 34 out of 65 months that are being reported are inaccurate. 
Section 1681c. Requirements relating to information contained in consumer reports ( a ) Information excluded from consumer reports Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
This is not my XXXX account, it is not possible to have 34 out of 65 months of inaccurate reporting and have it on my credit report saying that I own this account. Im requesting you to delete this account from my credit report immediately or I will initiate a lawsuit and pursue punitive damages of {$100000.00}. 
Your prompt attention is appreciated,
Consumer complaint received 2017-04-24
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Professional Placement Services, LLC (WI)

A few weeks ago I checked my credit report and noticed a collection placement for Professional placements for  XXXX   XXXX  for {$160.00} I never received a collection letter from them, as far as I was aware it was with another collection agency State collections who closed their account and removed it from the credit reporting agencies I have sent  XXXX  letters to Professional placements, via fax and Certified mail both have gone ignored. I have also. disputed said account with the credit reporting agencies.   XXXX    deleted, however  XXXX  and  XXXX  both verified.     They are in violation of Fair Debt Collection act and I wish for them to remove the entry on   XXXX   and  XXXX . I do have copies of all communication sent
Consumer complaint received 2022-08-10
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. (IL)

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 XXXX 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 year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2023-07-07
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. (FL)

I am a natural person, I am a living human being, I have rights under 15 USC 1681 Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I requested the credit bureaus ( XXXX, XXXX and TransUnion ) to do a verification of everything on my credit report. They did so and stated that all information was accurate. I then did a thorough research myself and discovered quite a few improper inaccuracies on my credit report, even after the credit bureau 's completed their investigation. 

I have been disputing with Transunion, XXXX, and XXXX about the negative accounts on my report. Some are not mine, some are reporting wrong or without creditor information, and some are refreshing to try to stay on my report. There are also incorrect addresses listed that I have tried to get fixed, unsuccessfully. I mailed my first letter in XXXX letting the bureaus know that I have done my research and that I know the law. Even with Covid-19 the bureaus still have 30 days to respond to my free disputes. I know there might be a delay and I even tried to give them the benefit of the doubt for that. The following accounts are still reporting incorrectly on my report : XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX I even sent my letters certified because I needed to know if they were getting my letters in the first place. These are the most recent tracking numbers from XXXX ( XXXX : XXXX, XXXX : XXXX, TransUnion : XXXX ). I also sent each credit bureaua police report and a copy of both my drivers licence and social securitycard, each with my signature. It has been months without receiving a response. This is unacceptable. This is my life that XXXX, XXXX, and TransUnion are disregarding. Each credit bureau has also been involved in a data breach which I have also been impacted by. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX, Account # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX, Account # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act, XXXX Bank, Account # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX, Account # 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 company can not furnish an account my without my instructions or consent.
Consumer complaint received 2022-03-02
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

On XX/XX/2022. XXXX, XXXX, and Experian failed to produce an investigative report on XXXX XXXX XXXX XXXX  accounts posted to my consumer report. It is a violation of my consumer credit rights to report on a debt I never validated. It is identity theft to transfer or allegedly transfer a taxpayer identification number without the authorization of the taxpayer to aid and abet a form of payment. It is tax fraud to not sent copies of 1099c and 1099 OID to the taxpayer by XX/XX/XXXX of the following year. It is a violation to assign say any consumer owes a debt and that any debt is seriously past due date/ assigned to attorney, collection agency, or credit grantor 's internal collection department. That is a violation of 15 USC 1692e, no lawyer, no collection agency or allege credit grantor can act as a debt collector.
Consumer complaint received 2024-02-03
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Confusing or missing disclosures
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

BANK OF AMERICA allowed me to open two accounts on line and let me deposit money. Turns around and denies me as customer. Meanwhile they have my money which they say will be returned by check. Very unethical.
Consumer complaint received 2017-04-24
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)

I have been dealing w/Equifax,  XXXX  and  XXXX  for the last six months regarding four accounts that are presently on my credit report. I have provided information to Equifax which advises me that they obtain their information from a third party agency. I obtained the third party division that that Equifax,  XXXX  and   XXXX   advised and they are stating that if I provided proof that the accounts did not belong to me they would remove these items. I received documentation from the company in  XXXX  that all items had been removed. however Equifax.  XXXX ,  XXXX  continues to say they are still verifying thru this company which is a incorrect and untrue!!! The first acct was disputed on   XXXX   XXXX  ,   XXXX   XXXX  ,   XXXX   XXXX  ,   XXXX   XXXX  , the amt of the claim is for {$560.00}. the second item where disputed the same months as the previous and the amt of the claim is for {$540.00}. the last claim is for the same dispute dates and the claim amt is for {$1200.00}. the last claim I have been disputing since   XXXX   XXXX   however there is no dollar amt attached.
Consumer complaint received 2018-12-01
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. (TX)

On XX/XX/2018 at XXXX XXXX I spoke with a representative from Transition regarding a chapter XXXX bankruptcy that was placed on my credit report on XX/XX/2018. The representative stated that the bankruptcy was verified through the bankruptcy court. I also have a phone recording with her stating so. I also contacted the United States Bankruptcy courts myself an inquired about the procedure on verifying information with the credit bureaus. I was told in writing that the Bankruptcy courts do not verify information with the credit reporting agencies. They have unethically lied to me and tarnished my recently good credit.
Consumer complaint received 2016-08-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

There are XXXX state tax liens that are reporting on my credit report. XXXX is from XXXX County Court XXXXin the amount of {$44000.00}. Another tax lien is from XXXX County Court Recorder # XXXX in the amount of {$42000.00} and recently updated to show {$42000.00}. As of XXXX/XXXX/2016 both state liens are fully Paid. 
However, TransUnion is still reporting with a balance due on both accounts. According to FCRA 609 ( a ) ( 1 ) ( a ) and FCRA 1681 ( a ) if after a reinvestigation is completed and the information remains inaccurate, the item ( s ) are to be deleted from credit file if reporting inaccurate.Currently is showing a balance for these tax liens that are identical. It appears on my credit file as XXXX separate tax liens when in fact it 's has always been XXXX state tax lien. 
I 've disputed several times and these tax liens still appears. On my credit file. It 's preventing me from proving a home for my family and getting a job promotion.
Consumer complaint received 2017-04-24
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: SECURITY FINANCE CORP (OK)

I received a  XXXX  or so check in the mail from a lender in  XXXX , OK I decided to use it for a short period of time. Paying it off quickly. I have good credit, and I am very concerned about anyone running my credit without my knowledge or consent., So, on  XXXX / XXXX /  XXXX    Security Finance  located at  XXXX   XXXX   XXXX  in  XXXX  ran my credit after my loan was all but paid off. I received an alert from  XXXX  stating these facts.      XXXX  at the lending agency stated she " accidentally pulled my credit while assessing another customers credit. '' I do not believe it was an accident.     I want this lending agency to write a letter to all three bureaus and undo any possible negative effect this might cause.      XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , OK  XXXX
Consumer complaint received 2022-03-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: World Acceptance Corporation (SC)

I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond.
Consumer complaint received 2019-08-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (NJ)

I had taken a loan from Sallimae which later was taken over by Navient. 
I have been very good with my loan repayments. Always on time as I am on auto repayment I havent missed even 1 payment. 
While signing the loan I very clearly remember it saying that if I am good with my loan repayment I will get a loan forgiveness for my last 6 months. 
However few months ago they increased my stating the the loan doesnt add up. 
I wasnt sure and now I think I am basically paying off the last 6 months loan forgiveness loan. I am am so upset. 
I dont have the time to fight them but I think they should be punished if they stealing money from hardworking taxing paying individuals Have attached a document stating my loan amount is changed. 
I had a fixed rate of interest and didnt default but they increased my payment which I am sure is to cover the last 6 months loan forgiveness for paying on time.
Consumer complaint received 2017-04-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (CA)

I received an offe r for a Marriott Rewards Premier  Credit Card from Chase in  XXXX   XXXX . The offer was for a {$200.00} gift card and  XXXX  bonus points after spending {$3000.00} in the first 3 months after opening. I requested the card and met the spending amount within the specified time frame. I received the  XXXX  points as promised, but in looking back at the records, I realized I had never received the {$200.00} gift card.     I called  Chase  on  XXXX / XXXX / XXXX . A person named  XXXX  said that yes, I should have received the gift card. He said that the  Marketing Dept.  would review the offer and to watch for a letter withi n 2 weeks. I   receive a letter dated  XXXX / XXXX / XXXX  ( see attached ) that stated " Upon review we 'd like to inform you there is no offer on the account to receive the {$200.00} gift card. '' I called back to reiterate that I had the original offer in hand, and to ask for the address or fax number to send my written request. On    XXXX   XXXX  ,   I faxed a letter and a copy of the original offer that clearly states the promotional offer in at lea st 5  places on the mailing piece. I then received a letter dated    XXXX   XXXX   XXXX    that says " Update : We are n't matching the promotional bonus offer '' and " we 're sorry, but we wo n't match the promotional bonus offer you asked about. '' There is no reason provided.     This is a clear case of false advertising which benefits Chase. I 've used the card almost exclusively for my purchases, and now I am paying an {$85.00} annual fee. This complaint is to hold Chase accountable and to hold up its end of the agreement. Thank you for your help.
Consumer complaint received 2022-08-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

XXXX have never had an account with this company PORTFOLIO RC XXXX, XXXX and XXXX, REMOVE from all credit agencies from reporting. 
XXXX means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( XXXX ) XXXXThis letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication XXXX am the consumer mentioneXXXX XXXX 15 U.S. code 1692a  ( XXXX ) You are PORTFOLIO RECOVERY the debt collector 15 U.S. Code1692a ( XXXX XXXX I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( XXXX ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( XXXX ) XXXX.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( XXXX ) ( XXXX ) and ( XXXX ) XXXXAccording to 15 U.S. Code 1962e ( XXXX ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 
XXXX15 U.S. Code 1692e ( XXXX ) The false representation or implication that accounts have been turned over to innocent purchasers for value. 
XXXX mentioned in the 15 U.S. Code 692f Unfair practices ( XXXX ) XXXXWhile pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt. 
XXXX15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( XXXX ) ( XXXX ) ( A ) ( B ) ( XXXX ) XXXX. Mentioned in 15 U.S. Code 1681a ( XXXX ) ( XXXX ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( XXXX ) of this title, the exclusions in paragraph ( XXXX ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
Consumer complaint received 2019-03-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: F.H. Cann & Associates, Inc. (SC)

First off I have never ever received any type of letters for my wage garnishment of 25 %. Also they took my entire tax return on XX/XX/XXXX and no one has any idea why I did not receive a letter 60 days before. The amount of my loans have not changed since XXXX. They have been garnishing my wages for the past year and then took my tax return. I am a single mother with XXXX kids. Tax time is the only time of the year that I am worry free for about a month. I work hard everyday. I did not think they were allowed to garnish my wages plus offset my entire tax return. This is just awful plus the balance is not dropping.