davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-10
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. (MI)

XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX Transunion Consumer Dispute Center XXXX XXXX XXXX XXXX PA XXXX Subject : Dispute of Inaccurate Information on Credit Report Dear Sir/Madam , I am writing to formally dispute information on my credit report in accordance with the provisions outlined in 15 U.S. Code 1681i. I have carefully reviewed my credit report, and I have identified the following inaccuracies : XXXX. XXXX Account # : XXXX Amount : {$13000.00} XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) Account # : XXXX, XXXX Amount : {$840.00} XXXX XXXX Account # XXXX Amount : {$220.00} XXXX XXXX XXXX Account # : XXXX Amount : {$7600.00} XXXX Account # XXXX Amount : {$0.00} XXXX. XXXX Account # : XXXX Amount : {$810.00} I do not have a contract with this company and I don't owe the debt, please delete immediately. 
I am requesting a thorough investigation into these items, as they are not reported accurately. I have included supporting documents that substantiate my claim, such as Letter, Driver 's License and Social Security Card.

Please ensure that these documents are taken into account during your investigation. 
According to the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), you are required to complete your investigation within 30 days of receiving this letter. I kindly request that you provide a written response, including the results of your investigation and any actions taken, within this timeframe.

If you determine that the information is indeed inaccurate, I ask that you promptly correct my credit report and provide me with a copy of the updated report, as well as to notify all parties who received my credit report in the past six months.

I appreciate your prompt attention to this matter. Please do not hesitate to contact me if you require any further information. 
Sincerely, XXXX XXXX
Consumer complaint received 2016-12-18
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A. (TX)

I did not get my XXXX miles bonus when I signed for a credit card. I was supposed to spend {$3.00} in 3 months. I spent about {$15.00}. Horrible customer service. I will close my account if I do n't resolve an issue. I will give bad reviews based on my experience. You have a lot of competition on the market. Do you want you image to be compromised? I will work on it if my issue is not resolved.
Consumer complaint received 2015-04-08
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (LA)

I have XXXX recent files where I filed notice against Experian and invallid accounts listed on my credit report. After waiting 2 months for this to be corrected I received a credit report from Experian showing that all have been taken off. Unfortunately, today I opened my credit file and they have put everything back on. I do n't know if this is a tactic in which they make people think they followed the law and did what the law states but after you let your guard down they go back to their old bag of tricks. I REQUEST YOU PLEASE look into Experian and the following companies. XXXX XXXX is a debt that I was XXXX notified of over 20 years ago. Someone stole my identity, I did not go to college, I did not reside at the location listed when these were applied for. Not only that but the debts were removed 20 years ago and now reappeared and deleted for 30 days and put back on. Request that this be taken off. They have XXXX loans listed with account XXXX, XXXX, XXXX, XXXX, XXXX, XXXX again request removal COMPLETELY and never to be listed. Also Tranfinancial was paid even though the debtor could not verify it was mine I PAID THIS to get things correct on my file. XXXX XXXX XXXX ... debt is over 8 years old from original debtor dispute sold numerous times was removed and put back on. Also, LVNV funding although identity theft was removed and replaced again, original debt is over 8 years old, account XXXX ... ..was sold several times in over 8 years. ALL of these debts took 2 months process from XX/XX/XXXX of last year and were removed but readded. Please look into this.
Consumer complaint received 2021-06-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Palm Beach Credit Adjustors, Inc (FL)

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. I have tried to reach out and take care of this matter and yet it still remains on my credit report. This company ( FOCUS FINANCIAL ) whom, I have never done business with does not have a written contract for me. And I need this removed as soon as possible.
Consumer complaint received 2022-11-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P. (TX)

I sent a checklist via US certified mail requesting ALL of the following information to validate the collection account. The letter was received by their office on XX/XX/XXXX at XXXX XXXX 

Complete payment history, the requirement of which has been established by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please provide verification by line item ( with an explanation of each item such as when the purchase took place, how much the item was, were the goods received, when were the goods received, etc. ) for the entire amount you say I owe obtained directly from the Original Creditor. 
Date of Last Activity My full, complete and correct social security number that may help to identify me as the correct person you are trying to collect from. 
Agreement that bears the signature of the alleged debtor wherein he agreed to pay the original creditor. 
The obligation between you and I that allows you to collect on the alleged debt and any transactions between your company that binds me to an agreement to pay your company any money that you claim I owe. 
Proof of photo identification ( i.e., driver 's license, state identification card, or other government issued identification card ) that was presented to you at the time of incurring this debt. 
Letter of sale or assignment from the original creditor to your company. ( Agreement with your client that grants you the authority to collect on this alleged debt. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - information relating to the purchase of a bad debt is not proprietary or burdensome. Debtor must phrase their request clearly to obtain : The source of a debt and the amount a bad debt buyer paid for plaintiff 's debt, how the amount sought was calculated, where at issue a list of reports to credit bureaus, and documents conferring authority on defendant to collect debt. 
Proof that this debt has not been written off as a tax liability. 
Any other intimate knowledge of the creation of the debt by you, the collection agency.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights XXXX Or a 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.
Consumer complaint received 2022-11-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (PA)

I requested a federal student loan refund from Aidvantage, my federal student loan service account, on XX/XX/2022. I was told over the phone when I requested the refund the entire process would take 4 to 6 weeks, with 6 weeks being the maximum amount of time it would take to see the refunded money deposited into my bank 's checking account. I requested the refund to get money back from payments I made during the COVID-19 pandemic, during President Biden 's pause on student loan payments. It is know XX/XX/XXXX, more than 2 months ( XXXX weeks ) from the date I requested the refund. I have called Aidvantage customer service multiple times, and I keep getting different information. They tell me the wait time is now 10-12 weeks. Another representative told me it's out of their hands and there's nothing they can do for me. A third representative told me my request has been processed, but it's up to the treasury department now. I told them I was initially told 4-6 weeks of processing time when I first made the request, but they said that's changed now and could not help me. The refund I requested is just over {$5000.00}. This money should be back in my bank account by now and it's extremely frustrating this process is still ongoing.
Consumer complaint received 2022-11-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SUNCOAST CREDIT UNION (FL)

Another customers check was mistakenly taking from my account in the amount of {$330.00}. and the bank wants me to wait 5 -10 business days for them to put the money back into my account.
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

This consumer reporting agency is in violation of 15 U.S. Code 1666b. A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I was not notified in the time frame. 
1. Pursuant to 15 USC 168 a ( 2 ) ( B ) - Permissible purposes of consumer reports ( a ) in general Subject to subsection ( c ) I never gave you any Written Consent to report anything on my consumer report. 
XXXX XXXX  Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
2. Pursuant to 15 USC 168 a ( 2 ) ( B ) - Permissible purposes of consumer reports ( a ) in general Subject to subsection ( c ) I never gave you any Written Consent to report anything on my consumer report. 
XXXX XXXX  Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
3. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX XXXX XXXX Date of inquiry : XX/XX/year>XXXX  Please remove this inquiry from my credit report 4. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXXXXXX XXXX XXXX XXXXXXXX WASHINGTON , DC XXXX 5. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX WASHINGTON, DC XXXX As the original creditor, only I can validate this debt. I DO NOT VALIDATE THIS DEBT. PLEASE DELETE IMMEDIATELY. 
Any failure to respond without deletion of the accounts listed above and a free copy of my report after the changes have been made will result in the above actions being taken against your bureau. I will also be seeking {$1000.00} per violation. 
Violation of 15 U.S Code 1666b Defamation Sincerely, XXXX
Consumer complaint received 2022-11-14
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 — Their investigation did not fix an error on your report
Company: SUN LOAN COMPANY INC. (TX)

Sun Loan # XXXX -I have disputed this account multiple times and it continues to be removed then XXXX months later re-appear on my report then changes an amount or date. Nothing has been consistent and they continue to report and change dates that are not wrong. When I first sent a letter to dispute, I disclosed that I didn't even open an account in XXXX. Sun Loan # XXXX continues to find some small loop hole to be able to report and its deceitful and prolonging my ability to purchase a home. I know this should be removed because it has been previously, then when I check my credit XXXX  months later it re-appears without in notice to me and has a different number and amounts. I want this account removed immediately from my credit report. Especially since this account has not showed back up on XXXX from dispute.Dates of letters regarding this account : XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX.
Consumer complaint received 2022-11-14
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: OneMain Finance Corporation (LA)

Hello. I have a debt I am currently paying on with One Main Financial in XXXX, Louisiana XXXX. I owe the debt and right now my account is behind. My problem is One Main calls me daily at least 8 times. That is overkill. It's not from the XXXX branch only, but multiple other companies associated with them throughout the day. My cell phone constantly rings at my job which I have been in my supervisor 's office about because of the multiple phone calls a day. They start at XXXX and ends sometimes after XXXX CST. I know I have a debt but at some times this is harassment to me. It is NOT necessary to contact me more than once a day. Last week ( XXXX XXXX XXXX ) I was contacted by them 15 times. My supervisor witnessed this and encouraged me to contact the proper authorities to report because she worked in financial institutes prior to working at my job. She even stated the phone calls were overkill and against the law for One Main to harass me. I would like for the multiple phone calls a day to STOP. I am considering hiring a lawyer if I can not get this matter resolved soon.
Consumer complaint received 2022-11-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BMO Bank, N.A. (IN)

It is a credit card through my bank. THey lost several deposits which took over a month to research and post. in the mean time they are increasing late and over the limit fees as a result. 
MY complaint is that I have spoken to them and they call me daily sometimes twice. 

THis seems like abuse.
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

Dear Transunion : Im responding to the verified no-change letter you sent me for collection account.

1. These inquiries were not authorized by me and I would like them to be removed ASAP XXXX XXXX  Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
2. Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account XXXX XXXX  Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
3. 15 U.S Code 1667b - Lessees liability on expiration or termination of lease XXXX Account Number : XXXX Please remove it from my credit report. 
4. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account is in violation XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
5. I previously disputed this account. I don't agree with the results of your investigation. Please mail me proof of your investigation or delete the negative information. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
6. The following personal information is incorrect Account Number : Also Known As : XXXX, XXXX, XXXX 7. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 8. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account is in violation XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
9. Please investigate the reporting of this account to determine that it meets FCRA and FDCPA requirements and correct/update this inaccurate record on my credit profile. I was never late on this account. I always paid as agreed. 
XXXX Account Number : XXXX Please remove it from my credit report. 
Based on your recommendation, I sent a letter to the collector asking for the proof of the debt but they never responded Its clear that the account is inaccurate because the collector did not send any valid proof. If they cant prove that the account is accurate, they can not report to the bureaus, according to the FCRA. Please remove this item from my credit report or your company will be in violation of the FCRA. 
Thank you Sincerely, XXXX XXXX
Consumer complaint received 2022-11-14
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: R & B Corporation of Virginia (NC)

To whom it may concern : Account name : CXXXX XXXX XXXXXXXX Account number : XXXX Account name : Credit Collection Service Account Numbet : XXXX Account name : Credit Control Corp Account number : XXXX You're reporting this collection as a " OPEN ACCOUNT '' which isn't under FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-11-14
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Maximus Federal Services, Inc. (DE)

I have taken a look at my credit report which has caused some confusion. I used my social security number/card defined under 15 USC 1602 ( l ) to extend credit with the Department of Education to obtain a " loan ''. I am a natural person, a federally protected consumer, and the original creditor defined under 15 USC 1602 ( g ). The loan which is subject to the transaction was used primarily for personal, family and household purposes. The Department of Education has engaged in extortion and racketeering activity defined under Title 18 Chapter 42. XXXX XXXX XXXX  did not inform me on the cost of credit. I never received written adequate notice that sets for the pertinent facts for this consumer credit transaction which violates 15 USC 1602 ( k ). Congress makes it clear that consumer credit would be strengthened by the informed use of credit. The only decision I was given after the consummation of the transaction was to make payments without penalty which is a violation of 18 USC 880. The decision I made in connection to this transaction was uninformed. I, the consumer, have never been given the opportunity to direct that my nonpublic personal information should not be disclosed to nonaffiliated third parties such as XXXX, XXXX and XXXX pursuant to 15 USC 6802 ( b ) ( 1 ) ( B ). Nor was I given an explanation on how to exercise the nondisclosure option which is a violation of 15 USC 6802 ( b ) ( 1 ) ( C ). The Department of Education 's conspiracy against my rights is affecting my ability to operate in commerce. This is a violation of 15 U.S. Code 1. My consumer report does not include a report containing information solely as to transactions or experiences which means late payments are a violation of 15 USC 1681a ( d ) ( 2 ) ( i ). 15 USC 1666 ( a ) ( 2 ) I am aware that all extensions of credit are tied to my social security card and that the United States is obligated to all debts under 18 USC 8. The Department of Education has caused harm by furnishing inaccurate information on my consumer report. I am requesting additional clarification in regards to the billing errors under code 15 USC 1666 ( b ) ( 2 ) also documentary evidence under 15 USC 44 includes books of account. According to 15 USC 1602 ( p ) the Department of Education does not have actual authority for such use of my credit card defined under 15 1602 ( l ) and I received no benefit from this unlawful transaction. Without lawful authority, by using means of my identification the Department of Education is committing aggravated identity theft and attempting to collect on this account by extortionate means pursuant to 18 USC 894. Verified responses has proven that the consumer reporting agencies arent being impartial when it comes to respecting my right to privacy.
Consumer complaint received 2021-04-09
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: EQUIFAX, INC. (FL)

I THINK TO SAY WITH CONFIDENCE THAT NONE OF THE THREE ( 03 ) CREDIT REPORTING AGENCIES ARE QUALIFIED. I AM CERTAIN IN GOOD REASON ( S ) IN-WHICH I CAN, WILL & AS I WILL NOW DO SO & SAY BEING YOUR PATIENCE LISTEN ME PLEASE?. 
I HAVE AS I AM MAKE MY PAYMENT 'S BEFORE DUE AS WELL TWICE AS MUCH & MORE THAN AS WELL OFTEN & AT SAME TIME PAYING MUCH ATTENTION MY LIMIT 'S & RATIO 'S MATHMATIC IN CONSCIOUS EACH & EVERY MONTH AS WELL " ALL '' PAYMENT 'S, EXACTLY W/PROMISE I HAVE/I AM. 
SINCERELY, XXXX
Consumer complaint received 2021-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The inquiries that being reported were not authorized by me nor did anyone call to confirm the request for credit by me and I have a fraud alert on my file.