davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

1. The following personal information is incorrect Also Known As : XXXX, XXXX, XXXX XXXX. The following personal information is incorrect Also Known As : XXXX, XXXX XXXX. The following personal information is incorrect Also Known As : XXXX, XXXX XXXX. The following personal information is incorrect Also Known As : XXXX XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX This letter is a formal complaint that you report inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to ensure the information reported is completely accurate and correct. The following information, therefore, needs to be removed immediately. It has been over 60 days and has caused me great hardship, 1681. Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting Congress makes the following findings : ( 1 ) The banking system depends on fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine public confidence, which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to ensure that consumer reporting agencies I ask that these items be removed from my credit profile at once.
Consumer complaint received 2022-10-05
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: EQUIFAX, INC. (TX)

There shows to be a closed/charged off XXXX  account on all 3 credit company reports. I talked to XXXX  back in XXXX  up to current about this showing up. I recently got an account with them to help build credit, but didn't have an account with them in XXXX. I talked to XXXX  they had my address on file to which was an old address and I made a fraud claim. They did nothing. I contacted the credit agencies for further investigation as well as the federal trade commission. This is still showing after I was advised it was handled and to give it 30-45 days to remove months ago.

This needs to be removed immediately.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2022-10-05
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rent Recovery Solutions (TX)

I and the other residents that lived in the XXXX XXXX XXXX homes in XXXX, Texas received a phone call on XX/XX/XXXX from " XXXX XXXX '' with " Rent Recovery Solutions '' stating that I had to call her back immediately as it was very important. I dismissed this as any other spam call. 

My roommate contacted me about an hour later stating they had received the same call. My roommate had conversed with " XXXX XXXX '' trying to find out what she meant. She said that we owed the XXXX XXXX XXXX a payment of {$480.00} and that the apartment homes sent us to the collections agency. She stated that if we do not provide proof of payment, then all of our credit scores will be affected. 

The amount she stated was the exact amount that my roommates and I had paid in full to XXXX XXXX XXXX on XX/XX/XXXX. I contacted " XXXX XXXX back and had a similar discussion that my roommate had. I stated that I had picture and email documentation that this has been paid. I then asked if I could email the proof and she said that I would have to mail any documentation to " XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ''. I then disconnected the call to contact XXXX XXXX. 

I spoke with the representative at The XXXX XXXX XXXX about the balance. She looked up our information and she stated that they include notes on their documents that also have dates included. She stated that we have completed the payment of {$480.00} via Money Order and was scanned in on XX/XX/XXXX. I asked if they had accidentally sent us to collections and she said that they did not do that. I asked what collections agency they use and she said XXXX XXXX. This threw up red flags immediately, as this is not the debt collection agency that contacted my roommates and I. We then proceeded to contact XXXX XXXX and spoke with one of their representatives. This rep. confirmed that XXXX XXXX has no record of any debt for my roommates and I in their system and that they DO NOT work with Rent Recovery Solutions.
Consumer complaint received 2022-08-22
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: EQUIFAX, INC. (FL)

EQUIFAX is in violation of the 15 U.S.C 1681. I am a natural person. I am a living human being and as a consumer, I have rights under 15 U.S.C 1681. 

Equifax is govern by 15 U.S.C. and has violated my rights numerous times. 

I demand the following : 1. Accounts listed below to be REMOVED/ DELETED IMMEDIATELY 2. For EQUIFAX to ADD A BLOCK that will prevent the accounts listed below from being added back into my credit report. 
3. REMOVE / DELETE ALL inquiries ( hard and soft ) I DID NOT GIVE ANY WRITTEN PERMISSION TO EQUIFAX to furnish any of these accounts nor to add any inquiries in my credit report. 

XXXX XXXX XXXX XXXX - Account # XXXX XXXX XXXX XXXX - Account # XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX My request is made because according to 15 U.S.C 1861 : I have the right to privacy 15 U.S. Code 1681 - Congressional findings and statement of purpose ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
15 U.S. Code 1681b - Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies
Consumer complaint received 2023-03-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Google Compare Credit Cards Inc. (NC)

I added money to my gpay account XX/XX/XXXX of XXXX  with my XXXX savings account. I no longer have the XXXX account open and I've sent in multiple forms of identity verification to g pay to verify my account. They have suspended my account and will not return my XXXX $ I have given them information to return my funds to another that was added to gpay that is also in my name. The cards on my g pay that they are asking to verify were a friends that they are asking to verify along with mine and I can no longer reach them to get their info either.
Consumer complaint received 2024-11-20
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. (NC)

ORIGINAL CFPB # XXXX THE FOLLOWING IS THE ORIGINAL LETTER THAT WAS SENT TO THE COLLECTION AGENCY, THE ORGINAL DEBTOR IS STATING THEY NO LONGER HAVE THE DEBT OR THE NEVER EXISTED. I DIDNT RECEIVE MY XXXX FOR TAX PURPOSE STATING THAT I OWED ANY DEBT. 

XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX TO WHOM THIS MAY CONCERN, I HAVE RECENTLY PULLED MY CREDIT REPORT AND NOTICED THAT THERE IS A COLLECTION LISTING FROM YOUR AGENCY. I HAVE NEVER BEEN NOTIFIED OF THIS COLLECTION ACTION OR THAT I OWED THE DEBT. THIS LETTER IS TO INFORM YOU THAT I HAVE THE RIGHT TO REQUEST A VALIDATION OF THIS DEBT AND YOUR ABILITY TO COLLECT THIS MONEY FROM ME BY PROVIDING THE ORIGINAL WRITTEN AGREEMENT. I ASK THAT YOU PROVE THAT I AM INDED THE PARTY WHO IS CONTRACTUALLY BOUND TO PAY OFF THIS DEBT OR STOP COLLETION ACTIVITY AND REMOVE IT ALL TOGETHER. PLEASE ATTACH COPIES OF THE FOLLOWING DOCUMENTS : PURCHASE AND/OR AGREEMENT THAT YOU HAVE AUTHORITY TO COLLECT ON THIS ALLEGED DEBT. AGREEMENT THAT BEARS WET SIGNATURE OF THE ALLEGED DEBTOR WITH PROMISES TO PAY THE ORIGINAL CREDITOR. COMPLETE PAYMENT HISTORY ON THIS ACCOUNT, TO PROVE THAT THE AMOUNT YOU WISH TO COLLECT IS CORRECT. I HOPE YOUR LEGAL STAFF WILL AGREE THAT NONCOMPLIANCE WITH THIS REQUEST WILL RESULT IN SERIOUS LEGAL TROUBLE FOR YOUR COMPANY. 

MUST BE REMOVED/DELETED ASAP
Consumer complaint received 2022-08-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On Tuesday XX/XX/2022 I deposited {$4800.00} in cash at bank of americas atm on XXXX XXXX XXXX XXXX XXXX XXXX XXXX The atm asked me if the amount i was depositing was correct and i clicked no for it to return my money. It only gave me back {$4000.00} and kept the rest ( it attempted to give me back the rest but quickly swallowed it back inside ). 
I went inside and spoke to the branch manager who gave me a XXXX number and the atms serial number and advised I would be credited immeditaley while they invetigate. He also credited my account immediately with {$220.00} in fees for the inconvenience. It now turns that the investigation may take up to 45 days and they deny to credit the amount. Please help!
Consumer complaint received 2022-10-05
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BARCLAYS BANK DELAWARE (LA)

A card was applied for in my name on XXXX for Barclays XXXX I received the card in the mail. I contacted them and closed the account. All of the info matched but I did not apply for this card. I also received a notice that another card was attempted to be applied for from XXXX that a card was applied for on XX/XX/27 but was not approved because identifying information did not verify. The card from Barclays was a hard hit on my credit report. I have contacted XXXX and was told I had to send them a copy of the report from the Federal Trade Commission with my DL and SSN for the hard hit to be removed.
Consumer complaint received 2024-10-23
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. (GA)

the consumer reporting agencies ; Experian, XXXX and XXXX have responsibility to maintain reasonable procedures and 100 % accuracy in the information their reporting Per 15 usc 1681e ( b ) they have failed in doing so. Experian, XXXX and XXXX Is violating the FCRA and have failed to delete this inaccurate information from my credit file, i've disputed and requested for Experian, XXXX and XXXX to verify the collection account information XXXX XXXX XXXX XXXX they are reporting on my credit report and they have failed to do so. It has been over 45 days for Experian, XXXX and XXXX to conduct a proper investigate of the disputed information. by law if a investigation has come and the information being disputed can not be verified, it must be deleted.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report.
Consumer complaint received 2023-03-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: M&T BANK CORPORATION (MD)

I called M & T corporate office on XX/XX/XXXX, & was specifically told by agent my account would not be closed.while dispute is still going on, I went to branch in XXXX to have all appropriate paperwork sent to appropriate dept. 
Eleven days later while trying to use my cc, vendor showed declined, so I called corporate office and told acct is slated to be closed next week & never received my paperwork from XX/XX/XXXX. 
Three hours later I go into XXXX Md branch to pull my own money, come to find out the XXXX XXXX branch closed it @ XXXX, after being told Everything I was told. 
XXXX XXXX told XXXX mgr check was put in mail. COMPLETELY LIED So next day called bank that closed adamantly refused to put mgr on phone, lied originally and told she wasnt even there BUT when corporate office called they spoke to her.

Adamantly refused to send my {$19000.00} out but no way to pay bills or no common courtesy for me to come in ahead of time before they put their grubby hands on my money.

Completely unprofessional and rude. 
Multiply lied to as well on several occasions
Consumer complaint received 2023-03-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (IL)

This loan was taken out fraudulently in XXXX I was sentenced to 4 yrs XXXX XXXX to Illinois department of corrections and didnt get released until XXXX. I spoke with merchant EDFinancial to get a validation of debt and have not received any info at all and was notified of the university as of doing bad business. I would like this removed from my credit and is so frustrating because they can not give any resolution to the problem.
Consumer complaint received 2023-03-30
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 submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validatedthese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (PA)

I believe Mohela has mishandled my student loans and my eligibility for the Public Service Loan Forgiveness Program. They have erroneously denied and/or processed my PSLF application incorrectly. 
Mohela did not process my PSLF application for my current employer. They are closing it as a duplicate or canceling it. There isnt a duplicate or at least an approved XXXX so this pushes the processing time even further due to their mistake. I have attached a copy of my application below. The identifying information has been redacted for my security but was present when faxed to Mohela.
Consumer complaint received 2023-03-30
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (KS)

I submitted two payments to Synchrony Bank ( Lowe 's ) for the XX/XX/2023 due date. One was an automatic payment of {$200.00} and the other was an additional {$2000.00} to payoff the non-promotional balance. My account election on the Lowe 's portal dictates that any payment goes to the minimum payment first, then non-promotional balances, and finally promotional balances. Synchrony Bank honored the payment allocation on the automatic {$200.00} payment, but split the {$2000.00} payment equally between non-promotional and promotional balances resulting in additional interest charges of {$60.00} and {$50.00} in XXXX and XXXX statements. 

I submitted a request to correct my payment twice, waited a few weeks for resolution, and later learned they would not correct it, resulting in the second month of additional interest expense.
Consumer complaint received 2024-09-26
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. (SC)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2024-09-26
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. (NY)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. 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.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2022-05-06
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. (VA)

In accordance with the Fair Credit Reporting act XXXX XXXX, has violated my rights. 

15 U.S.C 1681 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 you. S. C1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Consumer complaint received 2022-08-21
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 — Problem with personal statement of dispute
Company: I.C. System, Inc. (FL)

IC debt collectors reported to the credit bureau 4 times in 1 month about a debt that I was unaware of, thus bringing my score down about 40 points. I just looked at my credit score through my credit card and saw this on my derogatory points. Not sure how to go about dealing with this. Please advise.
Consumer complaint received 2023-03-30
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capio Partners, LLC (GA)

I am contacting concerning a debt that was placed on my credit score, this debt is under {$500.00} and was placed on XXXX and XXXX, XXXX which caused trembling decline in my my scores. Under a new law starting XXXX XXXX XXXX, the consumer credit reporting Bureaus XXXX, XXXX, and XXXX will no longer add medical debt less than {$500.00} to a credit report. They have attached a {$190.00} debt to my accounts, can you help me get this removed from my credit report. XXXX XXXX, Email XXXX XXXX