davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-25
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. (GA)

on XX/XX/2022 I requested an investigation for my credit report because I seen some items reporting that I had no knowledge of. Then I noticed the inaccuracy of these accounts in which I wanted validation for them. 
XXXX XXXX ACCT # XXXXXXXX XXXX XXXX ACCT # XXXX XXXX ACCT # XXXX XXXX XXXX XXXX  ACCT # XXXX These accounts appear to all be closed with derogatory remarks. The information provided by each creditor can not be verified because the account numbers are incomplete.
Consumer complaint received 2020-04-13
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: LEXISNEXIS (TX)

Sent all Ftc violation They just updated Are The company XXXX the Ftc? 
Do they make decisions over what the Ftc deem violations?
Consumer complaint received 2022-07-31
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TRUIST FINANCIAL CORPORATION (MI)

I received an email this morning that a checking and savings account were opened in my name with XXXX XXXX XXXXXXXX. This happened with Truist yesterday as well. Ive called both accounts to alert them and called XXXX to put a fraud note on my file. I saw on a website I should also report this to you, so I am doing so. If you need any other information please let me know.
Consumer complaint received 2021-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Aqua Finance, Inc. (TX)

XXXX XXXX XXXX and BAY FINANCE CO are reporting inaccurate late payments to XXXX, XXXX, and XXXX and hurting my credit rating! I was NEVER late on this account and I have disputed these inaccuracies with XXXX, XXXX, and XXXX which stated XXXX XXXX XXXX and Bay Finance verified as accurate. I want to see transcripts showing these are true because they are False and I had my account on AutoPay. XXXX XXXX XXXX was the original creditor and transferred this account to Bay Finance without advising me! Please see attached copies from my credit report showing how they are both reporting these inaccurate Late Payments!
Consumer complaint received 2019-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (FL)

An account with my name and social security number was opened under an address I havent lived at in five to six years. The account did not have my permission to be open and I never got a call or letter asking for approval. It was illegally opened under my name online and currently hurting my credit. I can prove that I didnt live at the residence they claim when the account was opened.Equifax has been sent all the information and has refused to take this off my credit report even though all other credit companys have.
Consumer complaint received 2022-08-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I have tried contacting the collection agency to get deeper information as I am allowed bi law all they send is two sheets of paper one with my name and one saying I owe this money.. I told them I was in XXXX  and since I was not notified aware I owed any one and if they can just provide me with more proof then just to sheets of paper .. they are way past both statue of limitation and they are illegally billing me for a debt thats not mine please be kind enough to further investigate this my next step is to file a lawsuit its causing me a lot of issues with obtaining a car.. as far as the proof they have not showed me a contract a purchase nothing that I can take as my debt
Consumer complaint received 2022-07-31
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

I have workers compensation and was injured on the job. 
The staff took information and I did not take down the info as WC. 
I forwarded the 2 bills to the risk managment department as instructed but they still appear as my personal debt.
Consumer complaint received 2022-08-23
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: LoanCare, LLC (SC)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for ar purpose.
Consumer complaint received 2022-07-31
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)

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 XXXX XXXX XXXX XXXX XXXX XXXX. Please delete the items as soon as possible
Consumer complaint received 2021-06-09
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. (IN)

These XXXX time payment accounts need to be deleted for inaccuracy because the date of last activity is different on each bureau, payment history is incorrect, I was never late and I disputed this information over 30 days ago and it still doesnt show disputed by consumer!!!!!
Consumer complaint received 2021-11-04
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. (MI)

The attached documents show XXXX failed to live up to the terms of the XXXX for my Private Student Loans they acquired from XXXX. 
1. XXXX XXXX XX/XX/XXXX response to CFPB ( page 17 of doc ) explains the loans were in deferment XX/XX/XXXX- XX/XX/XXXX and as such " they did not provide statements. '' Page 14 of the attached doc ( p. XXXX of XXXX ) clearly states repayment conditions. Among these are : 1 ) I may, but am NOT required to make payments during deferment/forbearance periods, XXXX ) XXXX was to have supplied statements during the deferment period to keep me abreast of interest accrual and outstanding balances ; 2. XXXX XXXX XX/XX/XXXX states XXXX and XXXX subgroups were in a disaster forbearance that was retroactively applied from XX/XX/XXXX thru XX/XX/XXXX. Therefore no derogatory history should report period ; 3. XXXX erroneously charged off an account that had been in forbearance and/or deferment BEFORE the due date for the statement generated XXXX XX/XX/XXXX ( see p. 23 - 24 ) Thus, XXXX improperly billed and reported inaccurate payment history to the CRAs and violated terms of the MPN because XXXX failed to deliver statements during the deferment and/or forbearance period ( s ). These types of violations are consistent with the haphazard processes that led the CFPB to issue consent order XXXX.
Consumer complaint received 2022-04-25
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. (NY)

XX/XX/2022 Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX NV XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX  XXXX XXXX XXXX XXXX NV XXXX XXXX. Validate Account XXXXXXXX XXXX  Account XXXX : XXXX Please remove it from my credit report. 

4. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX. The following personal information is incorrect XXXX XXXX Account XXXX : XXXX Please remove this inaccurate information from my credit report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-07-31
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: CAPITAL ONE FINANCIAL CORPORATION (PA)

# XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can furnish a account without my written instructions.

XXXX 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open # XXXX, has violated my rights. 
1

5 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency car furnish a account without my written instructions. XXXX 15 USC 1666B : A creditor may not treat a
payment on a credit card account under an open plan as late for and purpose.
Consumer complaint received 2022-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

On XX/XX/2022 I received a copy of my credit report and noticed some negative items that I had no knowledge of. I requested an investigation into these items and never received a response. I contacted the creditors and requested that they provide me with any documentation in relation to these accounts bearing my signature and again no one responded. 
XXXX XXXX ACCT # XXXX DATE OPENED XXXX BALANCE {$720.00} XXXX ACCT # XXXX DATE OPENED XXXX BALANCE {$1900.00} XXXX XXXX ACCT # XXXX OPENED XXXX BALANCE {$420.00}
Consumer complaint received 2022-08-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (FL)

I had 2 credit cards with CITI BANK. CITI XXXX XXXX card ending XXXX and CITI XXXX card ending XXXX. On XX/XX/2022, I received a letter saying that " Because you were not able to maintain the security of this account, it is has been closed as of XX/XX/2022 ''. I do not understand this. I did not have any issues with the security of my cards and I maintained their security very well. This reason doesn't make any sense and it is not correct.
Consumer complaint received 2016-02-05
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC. (GA)

In XXXX I completed my XXXX XXXX XXXX and in XXXX I completed my XXXX XXXX XXXX from XXXX University. In XXXX my husband and I were forced to file bankruptcy due to insurmountable amount of medical bills. 

Since this time, I have been diagnosed with an XXXX which has also caused several other sometimes XXXX conditions. Since XXXX I have had eight XXXX. 

It is very much a hardship on me to maintain daily living expenses, care for a family which consist of my husband and our XXXX year old son, pay medical bills and pay over XXXX XXXX XXXX ( {$400.00} ) a month in student loans. 

Navient has called my father, ( co-signer for private loan ) and I several times with what seems like no understanding, demanding a payment be made. In XXXX XXXX my Grandmother was in the XXXX in XXXX, Georgia. My father received a call from a Navient representative, he explained the situation with my Grandmother and they were persistent in wanting more details about which form of payment he would be using and when a payment could be made. My Father hung up the phone due to the attitude and demanding payment information. My Grandmother passed away the next day due to a XXXX. 

Please consider this very challenging hardship. 

Thank-you for your time and consideration. Should you have any further questions or need any additional information, please do not hesitate to contact me.
Consumer complaint received 2022-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (CA)

Experian and XXXX refuse to allow me to see my credit reports online. Experian just started this to me after I submitted the complaint against them through the CFPB. They refuse to accurately verify the accounts in question instead they just update the accounts with the fraud information. As far as XXXX they won't allow me to create an online account either they tell me I already have one every time I try to reset the password it shows an email that doesn't belong to me. I have brought this up which clearly indicates fraud but they refuse to help me. Instead, they send letters to my apt to verify my address which I have done several times and yet they won't update it. I will be uploading my pay stub as proof of address on this complaint. It is also against the law to prevent me from accessing my credit report. I have to rely on other sources to get my report. then they try to force me to pay a credit score that they won't even update. Experian sent me a letter in the mail that said I didn't have a credit file yet here we are still with this information they won't delete.
Consumer complaint received 2020-04-16
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Outsource Group, Inc (CA)

I have reached out to Medicredit several times ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) requesting the company to validate and verify the debit they are trying to collect is 1. Rightful mine 2. The correct amount. I was never given an original signed contract or any documentation of originality that would prove the debit is mine. Medicredit is falsely stating this debit is accurate and send me a bill for double the amount they are reporting to the three major credit bureaus ( XXXX XXXX and XXXX ) the past due balance reporting is {$1600.00}. Every time I request validation they send me a bill for {$2500.00}. Ive also disputed with the bureaus and its quite interesting that they have come back to say it accurate when clearly its not. I need proof this is my debit. I highly believe they have me mistaken with someone else. The numbers dont add up and Im still waiting for something with my signature and the amount owed. Please see attached documents ( credit report & bill from Medicredit ). Also every time I reach out to the company in writing I request that they send all correspondence to my current address and they fail to do so.
Consumer complaint received 2020-04-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

XXXX XXXX is reporting to Transunion a debt sold to XXXX XXXX XXXX XXXX XXXX  XXXX that has been dismissed. I have received a Request for Dismissal from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This debt is hurting my credit score and also is showing as Derogatory on my credit report. I would like this debt be deleted from my Credit Report as soon as possible. This debt is considered a charge off by XXXX XXXX, and should be deleted my from credit report.
Consumer complaint received 2022-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

I have been disputing my address multiple times and they say the remove it and come and it's still there. My address is XXXX XXXX XXXX XXXX XXXX XXXX, ny XXXX. Experian has proof of this information. All does other address according to USPS AND REAL ESTATE DATA DOES NOT EXIST OR NOT VALID. IF A CORRESPONDANCE WAS SENT TO THis OTHER WRONG ADDRESSES I WILL NEVER GET MY MAIL. 
Remove the addresses immediately. I am super tired of disputing this.
Consumer complaint received 2022-07-31
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. (AL)

accordance with the Fair Credit Reporting act XXXX XXXXXXXX Bankruptcy Acct 1831386, 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 accordance with the Fair Credit Reporting act XXXX Bank Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ALLY FINANCIAL INC. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : ALLY FINCL XXXX Date Opened : XX/XX/18 Balance : {$0.00}
Consumer complaint received 2022-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions 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 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 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 XXXXXX/XX/XXXX
Consumer complaint received 2022-07-31
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I owned a rental property that was sold in XX/XX/2021. 
It was managed by a management company. 
The buyer, per our agreement, was to switch over utilities when they bought the property, I didn't immediately turn it off because people were living there. 
As you will see in the documents the buyer never switched over accounts on XX/XX/2021 and I continually got billed into XXXX. 
The management company which handled all the bills never notified me. 
So i never knew about any of the bills or anything until i checked my credit score and saw I owed {$9000.00}. 
Eventhough the bills didn't belong to me I paid off all of the bills and centerpoint whole.