davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MD)

I have submitted disputes to you and I didnt get a response within 30 days and yall are required by law to do so. Please investigate my disputes please. Thank you.
Consumer complaint received 2018-01-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: TRANSWORLD SYSTEMS INC (MA)

XXXX XXXX XXXX is failing to provide me with monthly statements of my account. They claim that because I'm " fulfilling my monthly obligations '' ( making my payments on time ) that they do not provide billing statements. 

About a month ago I asked that they provide me with a statement each month regardless of account status. I also made sure that they have the correct contact information. 

It is critical that I receive monthly statements. I've been paying extra each month and I need to be able to make sure that the payments are being applied correctly. 

I've asked for copies of the past three months of statements, and they told me that they are unable to give me these documents.
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

I am filing a formal complaint regarding identity theft that has adversely affected my financial well-being. I believe I am a victim of identity theft, and I am seeking your assistance in addressing and rectifying the fraudulent activities associated with my personal information.
Consumer complaint received 2018-01-31
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: American Credit Acceptance, LLC (IN)

I, XXXX XXXX, finance a XXXX XXXX XXXX on XX/XX/XXXX for XXXX through XXXX XXXX XXXX. The interest rates the company was charging is 25.00 % added onto my loan. When my loan ends my total price of the vehicle will be XXXX. For the state of Indiana the legal rate is 21.00 % and 25.00 % is over way the limit. This limit qualifies as a usury. Since XX/XX/XXXX I have been trying to trade in my car because my family has expended and I can not due to the outstanding balance still on my loan. In the process of doing so, a dealership manager made aware that the loan institution has rates the interest rate even more on loan 00.39 % more which makes the interest rates at 25.39 % now. I have reached out to XXXX XXXX XXXX, they have did nothing to fix this situation. I have reached out to lawyers and they all stated this is against the law. All I want the XXXX XXXX XXXX to do is lower my rates or let me out my car loan so I can get into a vehicle that is affordable and efficient for my family size now. As of XX/XX/XXXX, I still owe over {$14000.00} dollars.
Consumer complaint received 2015-06-02
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have made numerous attempts to TransUnion to have the account XXXX XXXX XXXX ( account # XXXX ) removed from my credit report, and each time, I have been informed, this account has been verified, and there is no change to my report, in other words, the negative information will remain. I have also made numerous attempts to contact XXXX XXXX XXXX ( certified return receipt XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX class mail and telephonically ), and I have yet to receive any response in any form of communication from this company. I find it remarkable, TransUnion is able to gain verifiable, satisfactory and legal communication with XXXX XXXX XXXX, and I the person they claim has the debt, can not. 
According to the Federal Credit Reporting Act, TransUnion has a responsibility to report accurate information. It has been and continues to be my position that TransUnion is reporting inaccurate information. I have also sent you ( TransUnion ) several letters ( certified return receipt, first class mail and facsimile ) asking for your methods of verification and you have failed to respond. 
According to paperwork received from XXXX XXXX XXXX XXXX account # XXXX XXXX they are a debt collection agency, who purchased the account from XXXX XXXX XXXX the original owner of the debt ). Based on my TU credit report, XXXX XXXX is no longer reporting the debt because I did not owe the debt, and the delinquency date had expired, however TU has allowed the collection agency to continue reporting the debt and the debt has become extended passed the original delinquency date. 
I have also written via XXXX class mail, certified receipts ( which I can provide tracking numbers and signatures upon request ), and facsimile, asking TU to provide me with their method of validation, to which I have received no response. 
I would like TransUnion to discontinue reporting erroneous information on my credit report, and remove the account XXXX XXXX XXXX immediately. I would also would like to know their method of verification as outlined in the attached letters. I am attaching XXXX XXXX XXXX XXXX letters XXXX of which were received by TransUnion.
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I am filing a formal complaint regarding identity theft that has adversely affected my financial well-being. I believe I am a victim of identity theft, and I am seeking your assistance in addressing and rectifying the fraudulent activities associated with my personal information.
Consumer complaint received 2018-01-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BBVA FINANCIAL CORPORATION (FL)

On XX/XX/18I called to have my cards replaced. I provided my new address, but the rep failed to take note of my apartment number. Which caused my cards to be returned and my account to be frozen per their policy. I was supposed to be paid today. But since they froze my account over their error, my direct deposit bounced. I called before this on the XX/XX/XXXXasking where my cards were and so they resent another card via XXXX XXXX. I thought I was fine until this happens yesterday. I don’t understand why they must freeze an account instead of blocking any cards that are still active. Now since I was out of work for almost two months I’m behind 30 days on my rent. I was contracted to pay today if not I would be evicted. Now I’m facing eviction bc of their stupid error.
Consumer complaint received 2023-12-19
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: EQUIFAX, INC. (VA)

Ive pulled my credit report on both your websites, XXXX, XXXX and Equifax have found some inaccurate information that requires removal. 

XXXX # XXXX is reporting on Equifax credit report 60 days late for XX/XX/2022, XX/XX/2022 and XX/XX/2022. For XXXX and XXXX, it is reporting 30 days late for XX/XX/2022, XX/XX/2022 and XX/XX/2022.
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

Good morning, my name is XXXX XXXX. I am writing to address the issue of identity theft and fraudulent accounts still appearing on my credit report. Despite notifying EXPERIAN about these accounts, submitting copies of my police report, FTC identity theft report, proof of identification ( birth certificate, Social Security card, Ohio driver 's license, and a utility bill ), and even writing a letter about the identity theft, they have failed to block, delete, and remove the fraudulent accounts from my credit report. 

The following are the fraudulent accounts that are still being reported by XXXX, even after being notified to block, delete, and remove them due to identity theft : - Account Name : XXXX XXXX XXXXXXXX, Account # : XXXX, Amount : {$190.00} - Account Name : XXXX XXXX XXXX Account # : XXXX, Amount : {$6400.00} XXXX has already deleted these fraudulent accounts, and EXPERIAN needs to do the same immediately. I have attached a letter with all the necessary information to file a complaint with the XXXX XXXX XXXX. I urgently need these items to be removed and blocked from my credit report.

According to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft, a consumer reporting agency must block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, no later than 4 business days after receiving such information from the consumer.
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

My name is XXXX I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. ''
Consumer complaint received 2021-10-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

I have a Travel Rewards credit card that has been used for 4 years. Today ( XXXX XXXX ) I want to change this card into Customized Cash Rewards Credit Card, but the customer service does not agree, and told me that I must apply for a new one ( maybe they want customers to open more New account ), but I dont want to open a new account
Consumer complaint received 2024-01-16
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I'm following up on my prior complaint regarding B of A 's wrongful credit reporting : I very clearly stated in my complaint that I believe this rises to a UDAAP violation because B of A made no attempt to make contact with any emails or phone calls, while promising to do so. This failure directly lead to what B of A claims was an accurate negative credit reporting under the FCRA. Therefore, even taking B of A 's statement about its FCRA reporting to be true, B of A has lead to a UDAAP due to its failure to contact the customer as promised. The account disclosures also make no claim that B of A may choose not to contact the customer with the provided contact methods in the event a payment is late. Therefore, a consumer absolutely should have been able to trust that B of A would have made contact about a slightly late payment while the situation could have been fixed without harm to the credit report. In fact, this the industry standard. B of A, one of the USA 's 2 largest banks, HAS FAILED TO ENGAGE IN STANDARD INDUSTRY PRACTICE TO PROTECT ITS CUSTOMERS FROM EXTREME HARM TO THEIR CREDIT SCORES. If B of A does not correct this, then the CFPB should consider a UDAAP action against B of A. Moreover, B of A simply failed to respond to this crucial part of my complaint. If B of A does not fix this, legal action will be taken.

In addition, B of A 's response was simply a form response denying any wrongdoing. However, it also failed to respond to another key point of the complaint ( in addition to the UDAAP issue above ) which is that the bill was never seen, and likely never receieved by the customer and that there have been problems with the mail in this area. Because of potential problems with the mail, contacting the customer by phone or email, when the customer provides this information becomes all the more important. It also adds to the UDAAP allegation above.
Consumer complaint received 2020-06-13
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. (VA)

In XX/XX/XXXX I called XXXX XXXX Loans to inquire about the option to refinance. The loan had recently been sold to them from another mortgage company. The lady on the phone asked what my reasoning for wanting to refinance and I told her to lower the interest and payment. She said that there were options available and directed me not to pay the next few payments in order to be put in the program to lower my rate and payment. I was lead to believe that I was going to be going through a refinance. Starting in XX/XX/XXXX I was instructed to pay a lower payment amount for 3 months and then they would finalize the payments and interest. They had put me into a forbearance and loan modification. When I called and asked what this meant they said this was the only way to get the lower interest like a refinance. I had no idea I was not getting a refinance. I paid the payment for 3 months and they extended it for another 3 months through XXXX. Then they said they were going to finalize everything and not to pay XX/XX/XXXX. In XXXX I found out my house was in the paper as being auctioned off on XX/XX/XXXX. I called and they said I had not made a payment since XX/XX/XXXX and my house was being foreclosed on. I paid almost {$13000.00} to have my loan reinstated and have been fighting this issue with them since XX/XX/XXXX. They finally reported that my loan status was ok for XXXX, XXXX, XXXX, XXXX, XXXX and XXXX of XXXX but they will not budge on the other months. I was told by them and followed instruction by XXXX XXXX Loans to not pay for those months. I had never missed a payment with the other mortgage company or with them prior. This is predatory lending and they coerced me into a loan modification under the guise of a refinance.
Consumer complaint received 2022-08-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

I went to the XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX and my credit card was charged my insurance deductible max ( $ XXXX ) ( Attached ). I was XXXX and paid all bills received. In XX/XX/XXXX, I was actually credited back $ XXXX of that original $ XXXX because it actually went over my insurance max. Never received a bill from XXXX XXXX XXXX and had no outstanding debt and had many follow-up visits and was never told I still owed money and they would have let me know if I still owed money. 

All the sudden, a year later, in XXXX of XXXX I receive a notice from ARS that I have a collection notice for {$670.00} dollars from XXXX XXXX XXXX for my XXXX XXXXisit on XX/XX/XXXX. Again I never received a bill from them, just a collection notice from XXXX a year later. I disputed the collection with ARS ( and have to receive a response from them 6 months later ), because that should have been part of the payment I made when I went into thXXXX XXXX as I received no other bill or insurance notice for it. But it is now appearing on my credit reports and has significantly affected my credit score as I have never had a late payment or collection before. 

I reached out to XXXX  XXXX XXXX through the XXXX  ( attached ) and they said they would remove it from my credit report, but it has now been 3 months and it is still showing on my credit report. I also filed a complaint with XXXX to get it removed from my credit report based on the XXXX  result, but they are saying they can't remove it. In addition the original response from XXXX  XXXX XXXX said I owed the money because my deductible had not been met, but they maxed out my deductible on my credit card the night I went into the XXXX XXXX $ XXXX ) so I don't see how my deductible was all the sudden not met. So I don't think it is a valid debt, I never received a bill for the amount supposedly owed, it still doesn't show up as being owed when I go to follow-up appointments, and they agreed to drop it and remove it from my credit report which has not been done. So I would like the debt collection stopped and removed from my credit report.
Consumer complaint received 2022-08-13
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: Experian Information Solutions Inc. (NY)

n accordance with the fair credit reporting act XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Bankruptcy XXXX XXXX-discharged Reference number : XXXX. has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-01-12
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: Experian Information Solutions Inc. (DC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX Dear Experian, I, XXXX XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by, The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentially Under 15 USC 1681. I have asked you to remove all of my old address off my credit report and phone numbers which of as XX/XX/XXXX you stated that you did an re-investigation and that each collection verified my accounts and pay history, I have contacted the local police department here in XXXX XXXX they stated never received any investigation or my friends or family, some address that are listed on my report, I never lived their so how could have you done investigation within ( 15 ) days. 
Under 15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

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

15 USC 1692. ( C ) ( A ). Fact, The Truth in Lending Act is intended to inform consumers about the cost of credit. Fact, The Truth in Lending Act is intended to protect consumers against abuse and deceit by creditors and I have been abused and deceived so be it. The affiant is aware and has proof in attachment labeled as exhibit A that corporation name is in violation.

15 U.S. CODE 1681N- CIVIL LIABLILTY FOR WILILFUL NON-COMPLIANCE ( A ). Any actual damage sustained by the consumer because of the failure or damages of not less than {$100.00} and not more {$1000.00}.

Account Name : XXXX XXXX XXXX  Account Number : XXXX  Balance : Closed Balance : {$8600.00} Account Name : XXXX XXXX XXXX
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

How are you? I hope all is well. I am writing to you because I recently reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate. Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( XXXX ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. 
I listed below all the information that I found to be untrue, incorrect, incomplete, untimely, not verifiable, and unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report are true. 

Summary of Accounts being Challenged in list form : XXXX XXXX  - Account XXXX My parent has the same name as me. 
XXXX XXXX - Account XXXX THIS CONTRACT IS CANCELED XXXX  XXXX - Account XXXX
Consumer complaint received 2024-01-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (CA)

I HAVE SUBMITTED PREVIOUS DOCUMENTS TO XXXX AND THERE IS SOME INFORMATION THAT IS NOT RELATED TO ME. AS I HAVE NEVER AUTHORIZED IT TO BE ON MY CREDIT REPORT. I HAVE SUBMITTED POLICE COMPLAINTS AND REPORTS OF IDENTITY THEFT. AS I WAS THE VICTIM OF IDENTITY THEFT AND THERE WAS INFORMATION THAT WAS USED TO MISUSE MY CREDIT. I HAVE REQUESTED PREVIOUSLY THAT THERE BE SOME INQUIRIES THAT WERE NOT AUTHORIZED BY ME AND A XXXX  ACCOUNT THAT REPORTING ON MY CREDIT REPORT. I HAVE REQUESTED BEFORE TO DISPUTE AND DELETE THE INFORMATION THAT YOU ARE REPORTING IS WRONG. I AM SUBMITTING MY APPLICATION AGAIN TO DELETE THE INQUIRIES AND THE CREDIT REPORT THAT YOU ARE REPORTING IS WRONG AND INACCURATE.
Consumer complaint received 2022-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

In accordance with the Fair Credit Reporting Act XXXX  inquirers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and account # XXXX have violated my rights. 
15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 ; it also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-08-13
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. (MN)

When I went to the car dealership I was told that my credit would only be pulled by one company however multiple companies pulled my report without my authorization resulting in me having multiple hard inquiries without my consent. 

XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX,
Consumer complaint received 2024-02-13
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: EQUIFAX, INC. (NC)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.