davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-13
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Maximus Federal Services, Inc. (AL)

Dear Department of Education, In accordance with the executive action done by President Biden and the Department of Education XXXX am entitled to up to {$20000.00} on federal student loan forgiveness as a XXXX XXXX XXXX. 

Given that, I am hereby requesting that the Department of Education completely discharge my federal student loan account that has a balance currently of {$16000.00} and report the account as having a {$0.00} balance to all credit bureaus.
Consumer complaint received 2024-09-17
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. (PA)

I am writing to formally dispute accounts that have been reported by your agency on my credit report. ( The accounts referenced are attached ). The accounts referenced was opened or charged fraudulently as a result of identity theft, and I request that it be permanently removed from my credit report. Please note that I have never opened or authorized these accounts. I discovered this fraudulent activity while reviewing my credit report, and I immediately filed an identity theft report ( The affidavit is attached ). In accordance with the fair credit reporting act ( FCRA ) and the fair debt collection practices act ( FDCPA ), I am requesting the removal of these accounts from my credit report, and that you cease all collection activities related to these accounts.
Consumer complaint received 2024-12-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (PA)

Yes I need this case number Wells Fargo case number : XXXX To be reopen and investigation again I did contact the fraudulent department but they couldnt help me fix my issue please help fix my issue and this is the support case number they give me Case number XXXX I have send the statement of the issues and screenshot of the issues to wellsfargoXXXXwellsfargo.com I am attempting to restore my XXXX account, but I'm unable to use my phone number XXXX or my email address XXXX for enrollment. Please unblock both the phone number and the email so I can proceed with the registration. I've attached a screenshot detailing the issues I'm experiencing. Thank you for your assistance or automatically enroll the email XXXX and phone number XXXX for me into account number XXXX if yall cant unblock the email or phone number or automatically enroll it for me please tell me what bank blocked the email and online number and username is XXXX etc.
Consumer complaint received 2022-10-11
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (MT)

XXXX XX/XX/2021 I transfered {$800.00} to a different email that was also my email but did not have a serve account linked or registered to the email. I have alerts that get sent to my phone when there is activity on my accounts. I have proof that the {$800.00} was subtracted from my balance and transfered and I never received it and it never got out back in my account. I have been told it was cancelled I have been told I received it. I have been trying to speak with the right person about this situation for over a year now. I have had a couple dispute numbers that when I call serve customer care they basically lie strait to me or tell me something different everytime and when I would actually get threw to a person that speaks half decent English and would take 5 min to look into my situation they would eventually hangup on me because they never had an answer why it clearly shows the {$800.00} dollars taken out and it was never received because the other we email was mine also. And I was told when it got cancelled the same day I made the transfer that it went right back on my account. But I have my balance sent to me everyday and if it takes up to 3 days to show up back on my account I have balance alerts 5 days after the original transfer I tried take showing that {$800.00} is subtracted from my account when you subtract all of my transactions that made. I have been hung up on lie to over a hundred times. I would have contacted this place a year ago but I clearly was not reading the small print. I was understanding that everytime I would ask for a technical support or a manger that they where supposed to help which they didn't. I have pictures of everything evidence showing my complaint. I am owed {$800.00} and have not been showed any respect or got any help on how to go about thiss
Consumer complaint received 2022-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

I have an issue with my credit report with transunion. Transunion report about someone else account on my credit. The name and date of birthday of that girl similar to me and she is getting services from XXXX but did not make a payment of {$220.00} which is due on XXXX XXXX. Because we both have same names and date of birth, so transunion put this due bill on my credit and going to decrease my credit score. It happened with me second time, earlier they put credit with same name who was customer of bell. Even in my whole life i am not customer of XXXX and XXXX. So, everytime they just match my name and birthday with someone who doesnt pay the bills on time and put myself in trouble. So, that is why, i want to make a complaint against them because they do not check whole information like Social insurance number or other specific documentation. Can you please reach out to them so that they can remove this false information from my credit report. I will look forward to hearing from you. 
I will really appreciate that if you can help me. 
Thank you Have a good day.
Consumer complaint received 2022-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

To this day over 30 days later I have not received a response yet. I feel as if im being taken advantage of and being ignored by my disputes. Section 611 ( a ) It is plainly stated that a failure to investigate these item within 30 days gives a reason to immediately remove those items from my credit report. It has been over days so they should be deleted IMMEDIATELY. I demand that they are removed promptly. or I will file for ligations due to the stress this is causing me. My information has gotten into the hands of the wrong person. I have filed reports with FTC and would like these above referenced accounts to disappear FAST!

according to the LAW 15 USC 1292J ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. ( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MD)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation
Consumer complaint received 2022-08-09
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. (FL)

Experian continues to violate the FCRA USC 1681 and 623 ( a ) ( 1 ) ( A ). The FCRA is clear if an account is not reporting 100 % accurate or contains missing or outdated information, it therefore must be DELETED. Experian continues to report incorrect information on the following account and refuses to DELETE this erroneous account as per the FCRA. Account Name : XXXX XXXX Account Number : XXXX.
Consumer complaint received 2022-10-13
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)

My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-06-19
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. (CA)

In accordance with the Fair Credit act XXXX  Account = XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX. XXXX  XXXX Bankruptcy have violated my rights. 

15U.S.C1681 section 602 A. States I have the right to privacy.

15 U.S.C1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-12-17
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Firstsource Business Process Services, LLC (CA)

XXXX XXXX XXXX XXXX sold off my account to first source advantage. ending in # XXXX on XX/XX/year> - paid an agreed upon amount of {$270.00} to settle the balance of {$460.00} as of XX/XX/year> - first source advantage is still reporting a deficient balance of {$180.00} to both themselves and XXXX per email # XXXX they refuse to update the account as settled and remove the balance. the payment was to resolve the account, not to have the remaining balance sit and negative effect qualifying.
Consumer complaint received 2022-10-13
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : 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 XXXXXXXX XXXX XX/XX/2022 XXXX XX/XX/2022
Consumer complaint received 2022-09-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION (VA)

My account was hacked on multiple occasions and I believe it was an inside job. Ive called multiple times, and I made them aware that the first fraudulent transactions happened from someone pretending to represent Truist. I have now an overdrawn account, my money was not returned to me, no representatives can help and it just happened again today.
Consumer complaint received 2022-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

Someone is using my information to open fraudulent accounts which I do not understand how people can open any accounts in my name because i was not aware or present. Please see below XXXX XXXX XXXX - XXXX Inquiry XXXX XXXX - XX/XX/2021
Consumer complaint received 2022-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I certify that I am permitted by federal and state law to file this dispute. I also understand that knowing and willful misstatements are punishable as pejury under U.S.C 1621.This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company without my authorization used my personal identifying information to apply for goods, services, or money ; and was succesful increating this account. 
This debt collector is in violation for putting this unknown account on my credit report. 
This has caused me to suffer and its defamtion of my character 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. 
XXXX XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately. This is not mine. I am a victim of ID Theft and I have included a police report XXXX  Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2024-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

i have submitted disputes to you and i didnt get response within 30 days and ya 'll are required by law to do so. Please investigtes my disputes, please. Thank you.
Consumer complaint received 2022-09-21
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NY)

Through the Experian website, they show my credit score as XXXX with only one derogatory item, a medical bill for {$170.00} from several years ago that was a result of the hospitals change to a new medical billing company that was a disaster according to public record as there was widespread problems. 

According to 3-In-1 credit score service through XXXX, my scores are the following : XXXX : XXXX Experian XXXX XXXX XXXX : XXXX So the scores from XXXX for Experian are substantially different. The XXXX score is an anomaly as my other scores are close to perfect. It seems like XXXX is trying to punish me with an excessively low score for a minor matter in dispute. A minor medical collection should not be hurting me by over 100 points. In addition, there should not be a discrepancy for XXXX regarding my score... one company says their score is XXXX while they say its a XXXX.
Consumer complaint received 2024-09-17
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. (IL)

I am seeking your help regarding the misleading account on my credit report. The harm to my reputation is significant, and I urgently need your intervention. Your handling of this has caused immense damage, and this incorrect data must be removed from my report immediately.
Consumer complaint received 2022-10-11
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: Experian Information Solutions Inc. (PA)

Over the last 2 months i have been disputing inaccurate inquiries on my credit report which this company has took over 30 days and most times not even responded to my disputes. They are currently the FCRA as well as many of my consumer right. Firstly they are violating 15 usc 1681 b- ( a ) In general - ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I've never gave them written instruction to furnish my report in any way. They have also not completed accurate investigations and accurately verified the items on my report. Ive submitted many FTC identity theft affidavits which they have not responded to. This negative and inaccurate information on my report is creating false and deceptive representations of me as i try to apply for new credit which is also a violation of 15 U.S. Code 1692j ( a ). These items must be removed immediately and I also require monetary relief for these violations against my consumer rights. I am demanding these inquires be removed : 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
Consumer complaint received 2022-10-11
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: Experian Information Solutions Inc. (IN)

In XXXX of 2019, my wife and I purchased a new house. In order to get the mortgage, we had to settle our dispute with XXXX XXXX. We paid XXXX XXXX and submitted the letter showing payment in full to the lender. 

I also supplied that letter to all XXXX credit bureaus, Experian is the only one that hasnt removed it. All XXXX Bureaus have removed it from my wifes credit and she supplied the same proof of payment My XXXX XXXX on Experian is XXXX lower and no matter what I do, it never gets higher. 

I have written documentation I can provide showing payment in full of this debt.
Consumer complaint received 2023-04-04
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXXXXXX 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
Consumer complaint received 2024-09-17
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. (MD)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2022-03-05
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Lost home to Foreclosure sale in XXXX. The mortgage That was supposedly the reason for the Foreclosure waw a fraudulent mortgage reconveyed from a property that had been foreclosed on in XXXX being XXXX XXXX XXXX. A default judgement that was illegally placed onto my property at topic being XXXX XXXX XXXX XXXX nc XXXX was granted on XX/XX/XXXX. There was intentionally incorrect data given to the courts through a service member service status verification falsification. that being said i was denied my rights as a service member. since the foreclosure sale my family and I have been evicted by XXXX XXXX in XXXX of XXXX. This is a problem due to on XX/XX/XXXX A representative from XXXX XXXX made the claim that They didn't purchase the property from foreclosure sale in which XXXX XXXX Special proceeding files marked XXXX, and XXXX clearly have documented that in contrary that in fact XXXX XXXX was the highest bidder in the range of XXXX. I would like to have my home back with title. Also to have all damages repaired since wrongful eviction. Why would XXXX evict us if they didnt buy or have knowledge of purchase or ownership. I will include a copy of HUD1 that was provided by XXXXXXXX XXXX XXXX XXXX that not only has incorrect arithmetic but has a loan number that does not match The Pay off Demand letter that was also provided by Attorneys XXXXXXXX XXXX XXXX XXXX. The Legal description description from XXXX Register of deeds and XXXX does not match XXXX XXXX yet does Match XXXX XXXX XXXX. the sub trustee worked for the foreclosure firm and still to this does one said being XXXX XXXX XXXXXXXX XXXX XXXXXXXX trustee services. This company is part of XXXXXXXX XXXX XXXXXXXX XXXX. THE LOANS OR FORCLOSURES NEVER REFLECTED ON MY CREDIT NOR DO THEY CURRENTLY. THE SCRA STATUS VERIFICATIONS ARE NOT ACCURATE OR TRUTHFUL THAT WHERE SUBMITTED INTO SPEACIAL PROCEEDING FILES XXXX AND XXXX. THE XXXX XXXX SEARCH IF VALID WOULD HAVE REQUIRED MY SSN, DOB, BDAY, AND WOULD HAVE SHOWN AS A SOFT INQUIRY ON MY CREDIT REPORT. NONE DID NOR COULD THE D.O.D VERIFY ANY SUCH INQUIRIES HAD EVER BEEN MADE IN TH EPAST YEARS USING THE UNIQUE NUMBERS EACH REPORT DISPLAYS ON PG 2 OF REPORTS. SO THIS ENTIRE ILLEGAL SITUATION SHOULD BE EASY TO REMEDY FOR MY FAMILY AND SELF