davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-20
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)

I am writing to express my serious concern and dissatisfaction regarding the multiple unsuccessful attempts I have made to rectify fraudulent items on my credit report. These fraudulent items are causing significant harm to my financial well-being and are in violation of the Fair Credit Reporting Act. I am seeking immediate resolution to this matter. 

To provide you with a complete understanding of the situation and my extensive efforts to address it : I discovered several items on my credit report that I firmly believe are the result of identity theft or fraudulent activity. 
Upon discovering these fraudulent items, I promptly filed a dispute with your agency I submitted all necessary supporting documentation and evidence to substantiate my claim. 

Following the initial dispute, I requested a reinvestigation of the disputed items as I believed they were not adequately addressed during the initial dispute process. 

I have made numerous follow-up attempts through written letters, emails, and phone calls to your agency, seeking updates on the status of my dispute and the progress of the reinvestigation. Despite my persistent efforts, I have not received any resolution or a satisfactory response. 

The Fair Credit Reporting Act mandates that credit reporting agencies conduct a reasonable investigation of consumer disputes within 30 days of receiving the dispute. Unfortunately, my dispute has not been resolved within the required time frame, which is a clear violation of my consumer rights. 

Initiate a thorough and immediate investigation into the fraudulent items on my credit report, as mandated by the law. 

Furnish me with a written response that outlines the results of your investigation, including any actions taken to rectify the fraudulent items. 

If it is determined that the items are indeed fraudulent, I insist on their immediate removal from my credit report. 

Ensure that your agency adheres to all relevant laws and regulations, including the Fair Credit Reporting Act. I am asking dor your assistance to remove the fraud items : 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 2023-10-18
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HEARTLAND PAYMENT SYSTEMS INC (GA)

I was collected by ESCI who informed me that they represented US DEPARTMENT of Education. They told me that I had an unpaid XXXX loan back in XXXX that was not paid. I paid the school all the loan paid around XXXX, but I do not have any receipts from XXXX year ago. They begin reporting bad information to the credit bureaus and they informed me that it will continue until I repay the loan. They reported that I made payments for XXXX months this year but I didn't. I only heard of the debt this year after I supposedly made the payment. I have a letter directly from the US Department of Education that my student loans were repaid.
Consumer complaint received 2024-10-29
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. (CA)

I see items on my credit report that I dont recognize, which leads me to believe my identity may have been stolen, as I did not authorize these accounts. Ive raised this issue before, and Im now requesting that these accounts be removed from my report as quickly as possible. Their presence is causing me significant stress and misrepresents my true credit history and financial responsibility. If we cant resolve this issue, I am prepared to pursue legal action to protect my rights and find a solution. These inaccuracies on my credit report are severely impacting my ability to achieve important financial goals, such as buying a home and supporting my family. I hope we can address this matter soon.
Consumer complaint received 2023-10-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

on XX/XX/XXXX i requested dispute reasons : this account needs to be removed not corrected because of 1. Date of Last Active - FCRA Violation. Creditor Reported XX/XX/XXXX for transunion and XX/XX/XXXX for XXXX. do not correct, please remove 2. Date of Last Payment - inaccurate. creditor reported to transunion my last payment was XX/XX/XXXX. please remove ( do not correct ) on my credit report. creditor monthly payment is inaccurate please remove from my credit report. XXXX shows XXXX XXXX  transunion shows XXXX $ creditor failed to update most recent dispute update 3. Payment History - inaccurate. Creditor reported " OK '', for XXXX, but reported 30 days late for Transunion. I previously disputed this account stating : " This account is incorrectly reporting that I have 1 late payments. On my XXXX report there are 0 late payments being reported. ". I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account.
Consumer complaint received 2023-10-20
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: Experian Information Solutions Inc. (TX)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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 2024-11-01
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. (NY)

These companies pulled up my credit report without my authorization and this has hurt my credit and credit score. I have contacted the bureau and the representative said they would be removed but I still see them on my credit report. These fraudulent and unauthorized inquiries are making me anxious for I might be already a victim of identity theft adding unnecessary stress to my life on top of hurting my credit score.
Consumer complaint received 2023-10-20
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. (GA)

XX/XX/23 I SENT LETTER REQUESTING This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

XX/XX/23 I SENT LETTER REQUESTING I previously disputed this account stating : " This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. ". I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 


ON XX/XX/23 I SENT LETTER REQUESTING This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. Please remove this account because the creditor failed to notify consumer of dispute and did not update that they actually performed and investigation. Please remove this account immediately XX/XX/23 This account was charged off and I no longer owe money to this creditor but its still showing a balance due. FROM XX/XX/23 TO CURRENT THE CREDITOR FAILED TO UPDATE THE COMMENT SECTION THAT THEY DID AN INVESTIGATION. THE CREDITOR FAILED TO UPDATE THE REQUESTED INFORMATION REGARDING MY DISPUTE, THE BUREU FAILED TO DO A INVESTIGATION.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

PERSONAL STATEMENT CFPB I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Consumer complaint received 2023-10-20
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. (TX)

This account was removed and added even after providing all relevant information. 
IDENTITY THEFT I have contacted all parties involved associated with the fraudulent activities associated with my name, NUMEROUS times. I Have Let Them Know! A Violation of 15 USC 1611. The only answer I get is it is accurate, but I disagree with the decision! Which I DO DISAGREE Because this isnt my debit. Rightfully I should not be held accountable for someone else using my information. I have provided police reports, copies of my identification card, social security number and card, I have even sent FTC affidavits. I was assaulted and robbed which is all in the police report. Per 15 U.S. Code 1611 Criminal liability for willful and knowing violations. 

15 U.S. Code 1692K - The FDCPA, or Fair Debt Collection Practices Act, find its teeth in section k which imposes civil liability upon any person or business who violates the FDCPA. 

15 U.S. 1681 - The banking system is dependent upon fair and accurate credit report- ing . Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

Section 812 - 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.
Consumer complaint received 2023-10-20
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. (NC)

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. 

I told the XXXX, Transunion, and XXXX, XXXX, XXXX and XXXX XXXX XXXX and XXXX XXXX to reinvestigate these accounts : 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  However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 2023-10-20
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)

This is my numerous attempt to notify you that I am a victim of identity theft and that I wish to inquire about specific entries in my documents that have resulted from the crime. The documents under consideration have nothing to do with any transactions involving products, services, or money that I have made or approved. Assuming no one cares, please erase any information in my credit record obtained through claimed fraud or extortion. 
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 2023-10-20
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. (OH)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items: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 2023-10-20
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

on XX/XX/2023 i received an email from Capital one and its affiliates. The E mail was in regards to class action lawsuit settlement. My settlement amount was for $ XXXXThe E mail explained that on XX/XX/2023 i would receive a follow up email in where i could respond to the follow up XXXX mail and choose how i would want to retrieve my settlement amount. on XXXX i opened up the E mail and i had XXXX options on how Capital one could hand over the settlement amount of XXXX. The process to make your selection was extra simple, i think i only had to click like maybe XXXX time or no more than 2 times. After selecting the virtual master card option it was like walla your money will be virtually deposited in to a virtual card via E mail. I soon realized that the card was going to almost be impossible for to use. I immediately XXXX the call was made soon after i had some questions and also requested to have the virtual card cancelled and to send me a physical paper check. I spent XXXX minutes on the phone although the wait time was about XXXX minute the agent that took my call was unable to assist me or even cancel or even explain certain questions. The agent provided me a contact XXXX. On XX/XX/2023 i emailed XXXX and on XX/XX/2023 i received an e mail from XXXX. XXXX in her E mail told me to call XXXX on XX/XX/2023 i called that number 2 times. Both times after answering my calls each agent that took my call hung up the phone with me.
Consumer complaint received 2023-10-18
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Lewis, McDonnell & Associates (CA)

Lewis, McDonnell and associates have been contacting our entire family in regards to a debt that is specifically in my wifes names. They have yet to reach out to my wife though. They are freaking out everyone in our family by throwing around legal jargon and threatening leins and wage garnishment. The debt in question is from XXXX. The original company ended up dropping up and debt collectors have been trying to collect ever since. It went dormant. Then in XX/XX/XXXX Lewis, McDonnell and associates purchased the debt and have been blowing us up ever since threatening to serve us with papers and all kinds of nonsense like that. Currently my wife and I both have XXXX and are very sick and these people will not relent. Everything I have found on them says they are a scam but everytime Im on the phone with them it scares me because all the legal stuff they keep saying. I am so scared of making the wrong choice here and screwing our lives up. Please we need help.
Consumer complaint received 2019-08-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (PA)

FedLoan servicing is my current loan provider. I am participating in the public service loan forgiveness program and consolidated my student loans in XX/XX/2013. I have made payments every month, but due to interest accruing, my loans eventually split into multiple sequences ( 3 at the moment ). When the split occurred, the number of qualifying payments differed dramatically, despite making the same payment every month. I have been back and forth with this company for the past few years and everytime, I get told the same thing ... the case is under review and being recalculated. " There is nothing you can do but wait. '' I have spoken to multiple supervisors with no success. They all agree with me but nothing gets done about it. Last year, they did readjust my number of qualifying payments, but the numbers still differ. Sequence 1 ( direct subsidized -- XXXX ) has 65 qualifying payments, Sequence 2 ( direct unsubsidized -- XXXX ) has 59 payments and sequence 3 ( direct unsubsidized -- XXXX ) has 59 payments. All of my qualifying payments should match. I feel like i've called a million times and always get the same response. 

I also recently applied for the pay as you earn program which would give a lower monthly payment, but there has been a delay in processing on their end. I tried calling multiple times, but nothing has been done. Late payments have been accumulating because of this, which will not count towards my qualifying payments. Please help. Everytime I contact this company, I get nowhere.
Consumer complaint received 2023-10-20
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)

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. 

I told the Experian, XXXX, and XXXX, XXXX, XXXX and XXXX XXXX XXXX and XXXX XXXX to reinvestigate these accounts 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 However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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.