davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-26
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. (CA)

THE HARD INQUIRYS ARE NOT MINE ACCOUNTS THAT WAS IDE FRAUD I WANT THEM REMOVE FROM MY CREDIT REPORT ALSO THE XXXX XXXX XXXX REMOVED
Consumer complaint received 2021-04-26
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. (IL)

In violation of the provisions of the CARES ACT, my student loan servicer, Navient, is requiring me to start repayment of my DIRECT Loans in XXXX and XX/XX/XXXX, instead of rolling my loans into the COVID-19 Emergency Relief Flexibilities, which were extended to at least XX/XX/XXXX. ( see below ) https : //studentaid.gov/announcements-events/coronavirus I spoke with navient today ( XX/XX/XXXX ) at XXXX. She stated it is most likely a coding issue, but was unsure. Was recommended to wait until I graduate next month to see if I am automatically put into COVID deferrment. I am concerned because I do not want navient to send late payments or errors to the credit reporting agencies.
Consumer complaint received 2021-09-14
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: General Motors Financial Company, Inc. (MI)

I turned this lease on XX/XX/2020. When I turned the lease in there was no payment due and all financials have been resolved when I got into my new lease. When I called GM Financial they told me that everything was all set and I did not owe them any more money. They then reported this as a 30 day late in XX/XX/2020. I don't know if this was due to me turning in the car on the last day of the month. But this was not 30 days late. GM Financial agrees that this was not 30 days late but it still shows on my credit report as a 30 day late.
Consumer complaint received 2019-05-22
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: CITIBANK, N.A. (ME)

I received a solicitation email from Citi Bank in XXXX of this year to open up a new Citi Rewards Card with a promotional XXXX Bonus Points upon spending {$1000.00} within the 1st 3 months, of which I did spend on the card in XXXX and I did indeed receive the Bonus points on this new card. This 1st Rewards Card was approved and activated in XXXX. 

However, in XXXX I received an additional 2nd offer email from Citi Bank of invitation to open up an additional Rewards Card with the same XXXX Bonus Points Promotional Offer also included in this 2nd email. I clicked the OK and was also approved for a 2nd Citi Rewards Cards with the same documented promotion. I was approved, received, and started using this 2nd card in XXXX and achieved the spending {$1000.00} in XXXX which qualified me for the this card 's XXXX Bonus Points. I did not though get the Bonus Points on the 2nd card in a timely fashion, so I called Citi Bank on XX/XX/XXXX at XXXX ; Rep XXXX told me that " I achieved the {$1000.00} on XX/XX/XXXX and that " I would indeed get my Bonus Points for that 2nd card in 4 weeks '', but I didn't get them? So I called Citi back on XX/XX/XXXX at XXXX and the Rep told me that she would put in a request and I would here in 2 days, however I have not heard back like she promised, nor have I gotten the XXXX points on this card as promised either. This was contractual and I spend the {$1000.00} in consideration, please force them to make good and reciprocate on their offered XXXX Bonus points as was included in their solicitation. Thank You, XXXX
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 — Account information incorrect
Company: EQUIFAX, INC. (CA)

XXXX is reporting the same account twice to the credit agencies. I only have One open credit card account with XXXX. The account was open XX/XX/2015, balance {$1000.00}. 

XXXX XXXX is not reporting my XXXX XXXX XXXX credit card to all three credit bureaus. Balance is {$500.00} XXXX is not reporting my XXXX XXXX XXXX credit card to the credit bureaus. Balance is {$1500.00} XXXX XXXX XXXX is not reporting my XXXX XXXX Credit card to all credit bureaus. Balance is {$2200.00}
Consumer complaint received 2020-09-02
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 disputed with Transunion that the account reported ( XXXX XXXX  ) is NOT MINE! I never applied for this card. Yet it is on my credit report under my name, social, address, etc. I have no knowledge of this card at all. 

I had lost my wallet and someone returned it to my home. Nothing was missing as I didn't have anything to take in it. I don't keep a lot of cash on hand and I don't carry everything with me. This is the reason why. 

There is no credit card number listed on my report, no terms or term duration. It was opened in XX/XX/XXXX and date of 1st delinquency is XX/XX/XXXX and Delinquency was 1st reported XX/XX/XXXX. This account is on all 3 credit reporting agencies. 

I have had lots of issues come up and checking my credit reports was the last thing on my mind. 

Please look into this. Transunion says it is verified as mine, yet I did not apply for it.
Consumer complaint received 2020-11-17
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: Experian Information Solutions Inc. (TX)

Sent Letters to the CRA on these Dates : XX/XX/2020, XX/XX/2020, XX/XX/2020. 

Amount : {$2000.00}. 

I am writing this due to non-compliance with the Credit Reporting Agency -Experian XXXX They have failed to remove information that was affiliated with this account that was challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2023-01-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Eastern Account Systems of Connecticut, Inc. (NY)

This company Eastern Account Systems randomly appeared on my credit report in XXXX stating I owed approximately {$2500.00} to XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) from just a couple years prior. I did not open the account and did in fact dispute this account but apparently it was somehow verified. However, from XXXX to XXXX I was incarcerated in the glorious XXXX  XXXX XXXX  system, XXXX  to a XXXX XXXX where I live for another 2 years and then to XXXX XXXX which is where I reside today. None of the housing situations I just explained require anyone to need ANY utilities of there own or at all really. Not to mention the timeline does not allow me to open an account like this from XXXX to today. And if this account is older than XXXX its too old to be on my credit report. I have asked XXXX to take it down but from what I hear they are not easy to work with and In my situation I was basically ignored and the account remains on my report where it doesn't belong. Not to mention I was never contacted by XXXX or XXXX regarding any of this it was all a complete surprise. My attorney and checking to see if there is any legal or civil actions I can take against this company unless this report is removed in a timely manor.
Consumer complaint received 2022-10-07
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

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 any 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-07
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: ENCORE CAPITAL GROUP INC. (OR)

Midland Credit Management has been calling me asking for XXXX XXXX and stating a birthday of XX/XX/1985. I spoke to the person that called my phone and told them I do not know why they are calling me. They continue to call and I have called back and they said I have no right to call their number. They want my information, name, birthday, social. They call me XXXX although I have not verified my identity in any way. They blocked me from calling back even though I was trying to ascertain what this is about. I was passed around to XXXX people who told me I owed them money. 

I can't believe it is okay to call someone at XXXX and tell them they owe money and hang up on them when they ask what is going on. I told them that they were violating the FCRA, and they told me good luck proving that. I am not being stalked by a company that I never chose to engage with. They just hang up on me and call me from other numbers. They have shared a full name, birthday, and financial information with me without verifying whom they are speaking to. I have the calls recorded. This is harassment.
Consumer complaint received 2023-01-26
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. (FL)

" In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XX/XX/2022 -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. ''
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Dear XXXX, XXXX am writing to dispute the following items on my credit report, as I believe they are the result of identity theft : XXXX. XXXX ( Account # XXXX ) XXXX. XXXXC ( Account # XXXX ) XXXX. XXXX XXXX. XXXX I was a victim of identity theft in XXXX  in XXXX, TX, and I reported this issue to XXXX at that time. Despite my efforts, I am still encountering problems with unauthorized items appearing on my credit report. 

I am requesting that these items be removed from my credit report as they do not pertain to any transactions or accounts that I have authorized or opened. 
I understand the importance of maintaining accurate information on my credit report and appreciate your prompt attention to this matter. Please investigate these items and remove them from my credit report as soon as possible. 
If you require any additional information or documentation from me, please do not hesitate to contact me at. 
Thank you for your assistance in resolving this matter. Sincerely,
Consumer complaint received 2022-10-07
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. (KY)

In accordance with the fair credit reporting act these creditors XXXX XXXX XXXX, XXXX XXXX XXXX, has violated my rights under 15usc1681 section 602 states i have a right to privacy 15usc 1681 section 604 ( A ) section ( 2 ) it also states that a consumer reporting agency can not furnish an account without my written instruction under 15usc 1666 ( b ) a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2020-10-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (IL)

On XX/XX/2020, I applied to Citi Bank double cash credit card. 
During the online application process, there was no prerequisite or any indication that indicate I need to be a citizen or a XXXX XXXX   holder to qualify for the card. 
And thus I continued the application and allowed the bank to run a hard inquiry on my credit report. 
However after the hard inquiry, I contacted the bank to check the status of my application, and I was told that the only way to approve the application is to provide a proof of US citizenship or green card. 
I am not a XXXX or XXXX XXXX, but I'm a XXXX XXXX ( an  XXXX with a pending XXXX XXXX XXXX ).,
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX I sent a certified letter to credit bureau requesting that all information besides my name ( XXXX XXXX XXXX ), current address ( XXXX XXXX XXXX. XXXX XXXX, XXXX, ga. XXXX ), current employer ( XXXX XXXX ) and phone number ( XXXX XXXX XXXX ) be updated. I requested that ALL other personal information be removed, as I never lived at those address, the names are not my birth names. I included with this letter a copy of my drivers license with my current address & date of birth on it, I also included my social security card and a utility bill. As of today no info has been removed. This violates my rights as this is inaccurate information being reported on my credit report.
Consumer complaint received 2021-09-14
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. (MS)

On XX/XX/2021 I mailed a letter requesting an investigation of questionable accounts listed on my credit report. I never received any results of an investigation and these unverified accounts are still listed on my credit report after 4 months of me mailing the request.
Consumer complaint received 2020-08-31
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Amsher Collection Services, Inc. (NC)

i have no idea what this claim is all about, or even if this a legitimate collection agency. i suspect it was either mailed to the wrong person with the same common name, or it is a fraudulent claim. i'm a little leery of calling the number, as i don't want any fraudulent company to capture my phone number. please advise. 

details : amsher collection sevices, inc XXXX XXXX XXXX, XXXX XXXX XXXX, al XXXX XXXX nc permit # : XXXX date of notice : XX/XX/20 received notice via usps today XX/XX/20 orginal creditor : XXXX XXXX XXXX ( never heard of them ). 
current creditor : same as above creditor 's acct # : XXXX amsher acct # : XXXX total due : {$38.00} savings : {$9.00} signed : XXXX XXXX, director of operations
Consumer complaint received 2022-10-07
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the XXXX credit bureau XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
DEPT OF EDXXXX XXXX XXXX : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/XXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/XXXX  XXXX XXXX : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF EDXXXX XXXX Balance : {$0.00} Date Opened XXXX XX/XX/XXXX, DEPT OF EDXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF EDXXXX XXXX Balance : {$0.00} Date Opened XXXX XX/XX/XXXX, DEPT OF EDXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF EDXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF EDXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF EDXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF EDXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, XXXX, DEPT OF EDXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF EDXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, XXXX, DEPT OF EDXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF EDXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX
Consumer complaint received 2022-01-07
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I've been a victim of identity theft. The inquiries listed should be removed for these are fraudulent and inaccurate. Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-10-08
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: Experian Information Solutions Inc. (GA)

THE ACCOUNTS LISTED ARE FRAUDULENT AND DO NOT BELONG TO ME THESE ACCOUNTS WAS OPEN FRAUDULENTLY SOMEONE USE MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THEM I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the XXXX  XXXX  and XXXX XXXX XXXX for other possible violations of the law.
Consumer complaint received 2022-10-07
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. (TX)

I am a natural person, a living person, I have rights under 15 USC 1681 Equifax is govern by 15 USC, 1681, And they have violated my rights numerous of times. I demands these accounts below to to be moved because Accordance to 15 USC 1681 ; I did give equifax written permission to furnish this account XXXX XXXX XXXX account XXXX
Consumer complaint received 2023-01-26
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is my numerous request that you correct this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2021-08-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Dear complain department, I would like to complain because I have unknow accounts in my credit report. I do not know their origins and they are not mine. Please check the information about these accounts and apply the investigation on the case of identity theft. Because I assume that somebody just used my information to file these accounts. 

I am talking about these accounts below : XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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. 

Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.