davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX  and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX   XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Consumer complaint received 2017-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAVALRY INVESTMENTS, LLC (TX)

Cavalry Portfolio Services is reporting two collections accounts that they re-aged to the date they began collecting on them. These accounts are 7 years past their initial date of delinquency, however Cavalry has re-aged them to have an open date and a new account number so they appear as newer bad debt.
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: Experian Information Solutions Inc. (FL)

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

I am making this final goodwill gesture to allow you to correct your erroneous reporting, and i am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, 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.Nov.14,1995 ), you may be liable for your willful non-
compliance.

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act Please remove all inquiries from credit report which are not belong to me.
Consumer complaint received 2020-10-21
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Bureaus, Inc. (VA)

I am just a lonely consumer trying to make through this COVID-19 pandemic. I have spoken to the a representative at the FTC. They told me that The Bureaus Inc who is trying to collect a debt on the behalf or XXXX XXXX  is abusing there power. 
This why this month the FTC, State, and Federal Law Enforcement Partners Annouced a Nationwide Crackdown on Abusives Debt Collection Companies.

So, I sent out a ceritified letter to The Bureaus on XX/XX/2020 and they signed for it on XX/XX/2020 ( I have attached the letter and certified return signature receipt ). Yes, they reply attaching a binde

r of 80 pages but they have not provide me with all of the following : This letter is sent because of what is on my recent credit report. Be advised that this is not a refusal to pay, but a notice sentpursuant to  the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation isrequested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to theabove named Title and Section. I respectfully request that your offices provid
e me with " VALIDATION '' competent evidencebearing my signature that I have any legal obligation to pay you.

Please provide me with the following : 1 ) What the money you say I owe is for ; 2 ) Explain and show me how you calculated what you sa
y I owe ; 3 ) Provide me with copies of any papers that show I agreed to pay what you say I owe ; competent evidence bearing mysignature 4 ) Provide a verification or copy of any judgment if applicable ; 5 ) Identify the original creditor ; 6 ) Prove the Statute of Limitations has not expired on this account 7 ) Show me that you are licensed to collect in my state 8 ) Provide me with your license numbers and Registered Agent The FTC said that most of these collection companies or not even listed to collect in my state and don't have license number or registered agent. They are broking the law if all these items are not answered.

They don't also don't have the right amount according to the last credit  report on XX/XX/2020 they are still in non-complaint according to the FD

CPA ,15 USC 1692g Sec.809 ( b ). The CRA are broking the law also by letting the The Bureaus report this on my credit report according to FCRA, Section 609 ( a ) ( 1 ), they are required by federal law to vertify-through the physical verification o the original signed consumer contract any and all accounts post on a credit report. Otherwise, anyone paying for reporting services could fax, mail or email in a fraudulent account. So, I am not only asking for validation of my signature but does your company have any right to collect in my state if so proved proof and the license numbers and Registed Agent. All those questions have to answered or please have all the CRA you are reporting this delete this accou
nt.
Consumer complaint received 2020-05-05
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: Experian Information Solutions Inc. (FL)

( 103 true Identity theft ) I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft Please block this information from report My XXXX  : Confirmation XXXX My Experian Report Number XXXX XXXX  lock me out and i'm not able to pull up a report number XXXX  XXXX XXXX {$12000.00} XXXX ( XXXX ) XXXX XXXX XXXX {$590.00} XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX ( XXXX ) XXXX XXXX XXXX, XXXX XXXX  XXXX {$1600.00} XX/XX/XXXX XXXX   {$3300.00} XXXX {$3600.00} XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX My personal information was exposed in a data breach. i started receiving information not for me, i checked online & found out about the data breach i looked up my credit report i found inaccurate, false and fraudulent information that don't belong to me i contacted my local police made a report they also told me to make a report with FTC because of jurisdictions ive listed as many fraudulent accounts as i could thank you for your help
Consumer complaint received 2020-06-02
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: TRANSWORLD SYSTEMS INC (SC)

On XX/XX/2020 I switched bank accounts from XXXX  XXXX XXXX to a local community bank. When it came time to switch my payment information for those bills I pay online, I did so accordingly. However, when I tried to make my monthly student loan payment to University Accounting Services, my payment failed and/or was cancelled ( you'll see on my supporting document in the screenshot that shows my multiple attempts ). I was not made aware of this failed payment until logging into the account several days later. I first tried to call UAS at the beginning of XXXX to solve this issue. After more than 6 weeks of phone calls to employees and supervisors, as well as and email correspondence ( which started XX/XX/XXXX - please note : we received our first debt collector call on XX/XX/XXXX ) with a customer service representative, my issue is/has still not been resolved and I have had to process payments via mail for the time being. UAS continued to waive my late fees every time I called, but has taken no responsibility for the late payment ( s ) that is their fault. Through my own independent research, I found that that probable issue was UAS was not able to accept the new routing table of my new bank account - even though I was/am having no issues with other online payments such as XXXX XXXX and XXXX. After various phone calls with supervisors and their IT department, they stated they 'fixed ' the issue but my payments were repeatedly denied. Again, I was never made aware of my initial late payment due to their ( UAS ' ) failure to process my payment. Both mine and my father 's credit score were severely impacted due to this egregious error. On XX/XX/XXXX, I received an email saying the IT issue had been rectified and to address my dispute directly with the credit bureaus. I filed disputes around XX/XX/XXXX with all 3 credit bureaus and it fixed my alleged late XXXX payment, but not my XXXX - which is clearly an error. I am in the process of refinancing my mortgage and purchasing a new car and now have the lowest credit score I've ever had in my life. Not to mention, it has impacted my father who remains a co-signer even though I've been making on-time payments for 7 years. UAS has also failed to supply him with the documentation to take him off the account and our email correspondence with our loan agent has gone dark and unanswered. It is my understanding that XXXX  made the credit inquiry to UAS in the first place. It seems that UAS would have the means to report past due accounts, as in this case, so they would also have the means to report other information to the credit companies, such as this IT issue. 

**Attached you will find email correspondence with Loan Servicing Agent, XXXX XXXX of UAS, as well as the payment portal that shows my attempted payments.
Consumer complaint received 2023-01-30
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: EQUIFAX, INC. (GA)

XXXX Fraud Dept Phone : XXXX XXXX XXXX XXXX XXXX Equifax Fraud Dept Phone XXXX ( XXXX ) XXXX XXXX and XXXX Fraud Dept Phone : ( XXXX ) XXXX please remove these accounts it does not belong to me its a fraud account please close and delete Thank You : XXXX ) XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone number ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone number : ( XXXX ) XXXX XXXX ) XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone number : ( XXXX ) XXXX XXXX ) XXXX XXXX XXXX Address : XXXX XXXX XXXX ( XXXX ) XXXX XXXX ) XXXX XXXX XXXX Address XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone number ( XXXX ) XXXX XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone number ( XXXX ) XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone number ( XXXX ) XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone number ( XXXX ) XXXX
Consumer complaint received 2020-10-21
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: Auto Trakk, LLC (OH)

On XX/XX/XXXX, I was involved in a Hit and Run Accident. The car that I was making payments on via Auto Trakk was deemed a total loss. My insurance company XXXX XXXX has been working with Auto Trakk on my bebalf and has been aiming to pay off the remaining of the lease as well as all title fees. Auto Trakk has stated that they can not give a Payoff Letter or amount until they get the check. Which is false according to my agreement which XXXX XXXX has a copy of. The belief is they are trying to get the whole amount and return no funds to me. They have failed to give either me or my insurance company an accurate amount in order to buy the lease and pay off title. The only form of documentation they have given was that they would accept payment was which is the letter of Guarantee. The amount that my car insurance company was attempting to pay was {$6200.00} I believe. My insurance company cancelled the check they were going to issue as payment for fear they ( Auto trakk ) would not give me the difference. I only had 34 payments left on the car in which I was paying {$87.00} weekly. My insurance company recommended I contact you all with a complaint because Auto Trakks answers and business is unprofessional and sketchy. We ( My insurance company and myself ) are trying to simply get the car paid off so that I can get a new car. Yet it feels that since my accident I have had to jump thru hoops and suffer for something I did not do. Bad enough I struggle daily due to my injuries from the accident. I should not have to struggle with paying off a vehicle that is totaled due to Auto Trakks greed and unprofessionalism.
Consumer complaint received 2020-05-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

( 103 true Identity theft ) I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft Please block this information from report My XXXX  : Confirmation XXXX My XXXX  Report Number XXXX Transunion lock me out and i'm not able to pull up a report number XXXX  XXXX XXXX {$12000.00} XXXX ( XXXX ) XXXX XXXX XXXX {$590.00} XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX ( XXXX ) XXXX XXXX XXXX, XXXX XXXX XXXX {$1600.00} XX/XX/XXXX XXXX   {$3300.00} XXXX {$3600.00} XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX My personal information was exposed in a data breach. i started receiving information not for me, i checked online & found out about the data breach i looked up my credit report i found inaccurate, false and fraudulent information that don't belong to me i contacted my local police made a report they also told me to make a report with FTC because of jurisdictions ive listed as many fraudulent accounts as i could thank you for your help
Consumer complaint received 2020-05-05
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (AL)

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues. 
It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

In addition, it has also been discovered that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So, these accounts do not belong to me. 
STUDENT LOAN CREDITORS : DEPT OF EDXXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX STUDENT LOAN CREDITORS : DPT EDXXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-08-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (FL)

This concerns my Visa through Best Buy, which is through ( according to my card and online account ) Citibank , N.A .
I agreed to pay the minimum due on my account each month. It is set for automatic payment. My previous credit limit was {$2500.00}.
On XX/XX/XXXX I received a statement stating that my minimum payment due was {$77.00}, due on the 1st. This has been in line with most of my minimum payments ( which have been in the $ 50-90 range. ) Today I noticed that the charge that came out of my account for this payment was instead {$450.00} on XXXX XXXX, 2017. When I checked, it appears the change was made so that the company could subsequently lower my credit limit to {$2000.00} ( the payment brought my balance under {$2000.00}. ) I have had my limit lowered by other companies as I made payments. What I do not see is how it was legal for this company to charge an EXCESSIVE extra amount - {$370.00} more than my statement stated! - in order to lower my credit limit.
Not only do I not understand how this is okay, especially with my statement specifically stating my minimum ( what I agreed they could debit each month ) as {$77.00}, but also this has caused incredible hardship. My financial situation has changed since I first applied for the card, and so the minimum payment is all I have been able to feasibly pay. The excess amount taken is half of my rent payment.
Consumer complaint received 2017-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Colony Brands, Inc. (PA)

I have a freeze on all of my credit reports. A company XXXX XXXX XXXX pulled my credit report by saying it is was Fraud activity on my account. Per I do have an account with this company and this is not the first time they tried to pulled my report. So in order to excess my report they state FRAUD and when I call the company to see what was the FRAUD they refuse to take my call. I have been hung up on 3 TIMES. I need to inquired deleted. Per I have not done anything but try to keep these companies from pulling my report without my knowledge. 

Thank you XXXX XXXX