davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I tried disputing these Items through Experian and XXXX XXXX and they still wo n't remove or update. 
.Creditor Acct. # Standing Status XXXX  XXXX -paid in Full XXXX XXXX XXXX - Paid in full even before they put on my credit XXXX XXXX XXXX XXXX Paid in Full XXXX XXXX XXXX XXXX Paid in Full XXXX XXXX XXXX XXXX -Paid in Full XXXX XXXX XXXX XXXX Paid in Full XXXX XXXX XXXX XXXX Paid in Full XXXX  removed all of these since they are all paid in Full XXXX XXXX removed all except XXXX XXXX
Consumer complaint received 2023-09-25
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)

I'm disappointed by your claims & am rejecting on the basis that you lack any material fact to support your claim... Please DISPUTE THESE ACCOUNTS! Or I will be seeking a legal remedy from you. Frustration, distress, annoyance, and outright anger. These emotions stem from the painstakingly slow response and the repeated denial of my identity theft claim by your bureau. Let 's be clear ; this situation is nothing short of a nightmare. I've been grappling with unauthorized accounts and transactions, and the toll it has taken on my financial well-being and peace of mind is immeasurable. The emotional rollercoaster I've endured is beyond distressing. DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXX XXXX XXXX and DEPT OF EDUCATIONXXXX XXXX XXXX Please remove these accounts ASAP.
Consumer complaint received 2023-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023
Consumer complaint received 2018-01-22
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. (SC)

I filed a dispute in XX/XX/XXXX disputing 2 accounts mid- XXXX XXXX and XXXX XXXX XXXX and when I pulled my credit report online equifax statement says that these two account were removed from my credit report between XXXX and XXXX and I do n't understand why it is still showing up my credit report and not deleted thank you
Consumer complaint received 2024-02-07
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. (TX)

Hello, please see attached Supporting documents for fraudulent inquiries and accounts that dont benefit nor was it authorized. I mailed TransUnion, XXXX and XXXX a ftc as stated on their website along with proof of residence and identity but yet they ignored my request. I was advised account will be removed within 4 business days.
Consumer complaint received 2021-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Regional Management Corporation (IN)

Violation of bankruptcy laws- Regional Finance Corp continued to report the loan while in bankruptcy, then after the discharge- of which the loan was included- they began reporting the loan as a charge off and continue reporting it each month impacting my credit. I will be filing suit against them for violation of FDCPA and Bankruptcy laws
Consumer complaint received 2018-01-22
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ALLY FINANCIAL INC. (PA)

My name is XXXX XXXX. I am the XXXX XXXX for XXXX XXXX XXXX XXXX. One of our production foreman has been receiving repeated collection calls for one of our former employees. I am aware that they are not permitted to call work. I have contacted them myself to complain and ordered the calls to stop. The latest was received today. The company is XXXX XXXX & their number is XXXX
Consumer complaint received 2024-02-07
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX 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 2021-01-20
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: Merchants Adjustment Service, Inc. (AL)

While look at my credit report on XX/XX/2020, I discovered that there is an inaccuracy with the credit bureaus. I have filed a report with the federal bureau and the company, but it has not been removed.
Consumer complaint received 2023-10-30
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: EQUIFAX, INC. (LA)

I pulled my credit report and noticed some inquires that I did not authorize. On my XXXX  report, there were the following inquiries that I did not authorize XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. This showed it was done on XXXX. On my Equifax report, I show the following inquiries ; XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX  XXXX XXXX again, and XXXX XXXX on XXXX. I did not authorize these. On my XXXX report, I show the following inquires were done on XXXXXXXX  that I did not authorize : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX.
Consumer complaint received 2021-11-01
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credence Resource Management, LLC (FL)

I switched my cell phone service from XXXX & XXXX to XXXX in XXXX of 2021. They did not allow me to switch the service until my bill was paid in full. A few months later I began receiving phone calls from a collection company saying that I owe XXXX XXXX XXXX  XXXX dollars. I have never received any written communication from the collection company nor XXXX & XXXX reference this matter. Only phone calls with no proof of dept owed. They have now reported this dept to the credit bureau. This dept is invalid. I need to have it remove from my credit report please XXXX XXXX The collection company who reported me Credence resource mana  XXXX XXXX XXXX  XXXX XXXX XXXX Texas Reported on XX/XX/2021, This is all the information I have. They have never provided any proof of any money I still owe. They held my phones hostage until I paid my final bill. I dont owe them anything
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

XXXX This is my TransUnion file number from my last complaint, which you state in my first complaint file " might take 15 days. '' It seems TransUnion has not responded nor to you or me, nor has attempted to repair all the problems and therefore, does not understand their grave responsibility to report correct, verified and permitted information with MY WRITTEN CONSENT per 15 USC 1681 section 604! They have not attempted to fix ALL of my information per the Fair Credit Reporting Act 15 USC 1681 section 602 states, " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' TransUnion is a consumer reporting agency and I am the consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801, which states, " It is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' TransUnion removed accounts that I did not ask them to remove, but to show that I was in good standing. Now they're not even there or they're incorrect. 

Fixing the easier things like the misspelling of my name, I have only 1 name, XXXX XXXX and none of the others, which have already been disputed by me over the phone with them, and then with you in my last complaint. Also, my multiple addresses that aren't mine as they are un-mailable or addresses I never had as I only have one address!!! 
Finally an account that I NEVER had that is still on the report. It's not my account never was my card, but there was Identity Theft because someone USED MY CREDIT to GET A CARD and it wasn't me! Finally I am opting out of your reporting services per 12 CFR 1016.7!
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX XXXX Account Number:XXXX has violated my rights. 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 2018-01-22
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (TX)

XXXX was charged to the XXXX XXXX XXXX store credited card on XX/XX/XXXX for an online order at XXXX XXXX XXXX. The order was never delivered and I called back to XXXX XXXX XXXX. And XXXX XXXX XXXX said the refund will be issued within 2-3 business days. That was XX/XX/XXXX. I also called on XX/XX/XXXX to the customer service at XXXX XXXX XXXX credit card for a dispute. I have not seen a refund or hear anything from XXXX XXXX XXXX credit card back about the disputes. I feel XXXX XXXX XXXX scammed me with the credit card company, and I would never get back the {$1700.00} back!
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : Account Number : Account Name : Account Number : Account Name : Account Number : Account Name : Account Number : Account Name : Account Number : Account Name : Account Number : Account Name : Account Number : Account Name : Account Number : Account Name : Account Number : has violated my rights. 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 2018-01-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (AR)

I have been forced to call Capital One Bank concerning my Capital One Quicksilver card on eight ( 8 ) different occasions due to the fact that their computer system will not allow me access to my account. I am unable to retrieve my balance, pay my bill or otherwise access my account. I have been subjected to a multitude of representatives, all of whom gave me a different story as to why I could not access my account. Over a period of eighteen days, these eight calls have averaged two ( 2 ) hours per call, and on every call I had to start at ground zero, as my previous calls were not properly documented. 
On my last call, I spent 2 hours and 45 minutes being given conflicting stories as to why Capital One could n't straighten out the problem. In order of the calls, on X/XX/18 I spoke to : 1. XXXX ID # XXXX, 2,  XXXX ID # XXXX, XXXX ID # XXXX. Finally, I became so frustrated with the completely different stories I was being told that I threatened to bring the matter to the attention of this agency, the FDIC, my lawyers and the press, at which point they refused to help me further, and shuttled me to yet another department which refused to speak to me if the call was recorded for accuracy. As of the date of this complaint, NOTHING has been resolved. I have no recourse but to elevate the matter.
Consumer complaint received 2021-11-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

USAA credit card account is reporting on my report and it is not mine did NOT apply for this account nor is this my debit this account is hurting my credit and USAA refuse to dele this account i have tried to communicate with them with letters and phone call and they keep reporting this account as mine.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Transunion and XXXX XXXX XXXX XXXX XXXX XXXX XXXX for their failure to comply with the Fair Credit Reporting Act ( FCRA ) in relation to the reporting and subsequent dispute handling of my credit information. 

Despite multiple disputes, specifically submitted on XXXX and XXXX the trade line for XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account Number XXXX, continues to be inaccurately reported on my credit report maintained by Transunion. This trade line fails to reflect the original 180 days late status and has remained on my credit report beyond the period allowed by the FCRA, specifically 7 years and 180 days from the date of the first delinquency. 

I also called XXXX XXXX XXXX XXXX directly, however the phone listed for contact on my credit report is disconnected. 

Furthermore, the persistent inaccuracy of this trade line and the refusal to correct or delete it after ample notification severely undermines the integrity of my credit report and significantly impacts my financial well-being. This situation represents a clear violation of the FCRA, which mandates the reporting of accurate and complete credit information and prescribes specific timeframes for negative information to remain on a consumers credit report. 

My repeated attempts to resolve this matter directly with Transunion and XXXX XXXX XXXX XXXX XXXX XXXX XXXX have been met with inadequate responses and a failure to take corrective action as required by law. Enclosed with this letter, please find copies of the disputes submitted, correspondence received in response, and any other relevant documentation illustrating my attempts to rectify this issue and the non-compliance of the involved parties. 

I respectfully request the Consumer Financial Protection Bureau to investigate this matter and facilitate the deletion of the inaccurately reported trade line in accordance with the FCRA. Your intervention is crucial in ensuring that my rights as a consumer are protected and that credit reporting practices adhere to the legal standards set forth by the FCRA. 

Thank you for your attention to this urgent matter. I look forward to your prompt response and resolution. 

Sincerely, XXXX XXXX Enclosures : Transunion Credit Report, Loan transfer payoff from original lender,
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I sent a letter on XXXX/2024, asking for my address to be update so i can remove other address from my credit report that is no longer associated with myself. I emailed XXXX XXXX and he responded that everything was ok and he updated my address. This morning on XXXX/2024, i get an alert from my credit report saying i added a new address and it was not correct it was XXXX XXXX address. I emailed XXXX XXXX again and he said he updated it again. I also called in to express my issue and they said that they updated and it would take about 30 days which is unacceptable. I have a fraud alert on my credit report and this is causing me so much stress. There is a lot of fraud going on and this ran me through the roof. I also asked them for their mistake to waive the 30 day late reporting off of my credit report and still no response. This was an easy fix and now i am stressed out because i have to contact my credit bureaus to fix the problem and wait 30 days for their mistake i want something resolved about this before i take further action. This is not ok due there is a lot of fraud going on so XXXX XXXX can just update my information he needs to be removed from the company because its causing me a lot of stress trying to fix his mistake.
Consumer complaint received 2023-09-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA (WI)

I submitted a request to change to standard repayment plan XX/XX/XXXX. Estimated processing time of 5-7 business days. As of today XX/XX/XXXX, it is still listed as processing. I called XX/XX/XXXX to inquire about expected processing time, as payments are set to resume. I was not given an approximate time frame. I was only told that IDR requests from XXXX were now being processed, but she had no information on other plans. Deferment was offered, which I declined, as I am less than a year from forgiveness for the majority of my loans and I'm hoping this is addressed prior to the day my payment is due. I was also provided information on applying for the IDR/SAVE plan and then the auto enrollment for payments to save {$5.00} on my loans, which I declined, as I'm still waiting for one form to be processed and I do not trust them to take the appropriate amount every month. Online message was sent XX/XX/XXXX. Expected response time of 3 days.
Consumer complaint received 2021-01-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Chime Financial Inc (OR)

Received two cards in the mail. Both Visa cards Chime and XXXX. Both cards are in my maiden name that I do not go by. I have never used either of their services. I am unable to contact either companies. I just get recordings when I call. I am very worried I will receive more cards in the mail. I put a freeze through XXXX and am not sure if I should contact the other two credit bureaus. I am not sure what else I can do. 

Thanks
Consumer complaint received 2018-01-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WI)

Saturday XXXX XXXX, 2018 I received an email from Bank of America to take a survey. I have NEVER took a survey before and it will be my very last one!! I have a pic of it too. At the end it stated I could win up to {$200.00}. So all I had to do to get some kind of skin cleanser was pay just for {$4.00}. It was on the Bank of America survey on my XXXX. I know I did NOT complete it, but a few minutes later I had an email from a company called XXXX XXXX XXXX which I never heard of and they charged my B of A credit card of {$4.00}. I called the number on bottom of receipt of XXXX and I called over a dozen times to cancel and they said they could find NO account for me even though there was an order number on my receipt and they charged that amount on my Bank of America credit card! I called B of A 10 times and told them every detail and spoke with fraud and dispute dept. and asked to speak to a manager every time and they would not do it! I have cried enough tears and I so upset as that skin company is a subscription and will take out {$69.00} every 30 days from my card and NO ONE can help me!!
Consumer complaint received 2021-02-21
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: AES/PHEAA (PA)

Over the past few months I have been trying to get the three FedLoan accounts removed or to stop reporting as if they are active. According to my report it reads as follows : FED LOAN SERVICING Last reported XX/XX/XXXX Account status Closed Type Education loan Responsibility Individual Remarks Consumer disputes - reinvestigation in progress Account previously in dispute - Now resolved by data furnisher Variable/adjustable Rate Times XX/XX/XXXX days late XX/XX/XXXX Closed XX/XX/XXXX The problem with the above information is my account status states these loans are closed as of XX/XX/XXXX, however they are being currently reported as derogatory as recently as XX/XX/XXXX. 

My loans are currently with US Department of Education Default Division at the Total and XXXX XXXX XXXX. They are with this unit to be discharged. 

I will upload the letter sent to me dated XX/XX/XXXX with an account number of XXXX. Phone number of XXXX