davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX XXXX MY University notified me that I was approved for the XXXX grant- these grants were not supposed to be registered as loans and they have added thousands of dollars inaccurately to my overall debt on my credit report. 

I am also writing because an unverified innacurate Collection form XXXX is still showing up on my TransUnion account even though the other bureaus have already found fault in reporting and removed it. What does Transunion have to verify that this account is accurate when I have been diligent in supplying them ample evidence that this account is clearly being inaccurately reported against my FCRA rights! 

And A chargeoff from XXXX that is not being reported accurately. How can a charge-off/collection also show that I paid my account on time? How does a consumer get such a major derogatory item on their credit report but yet it's reported I was paying my bills on time, every month? I have been sending in disputes for over a year and the bureaus have failed to explain how this account is still being able to be reported. It is Clearly a major violation of my FCRA rights!! 

I have written to XXXX, Transunion, and XXXX and they have refused to take these inaccuate accounts off of my credit report. Per my understanding, due to the FCRA this is highly illegal and unfair to my reporting rights. I do have the right to request anything inaccurate be removed from my credit report. 

Attached below are some of the numerous attempts I've made to get these items removed from my reports being that they are clearly inaccurate
Consumer complaint received 2022-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

When I reviewed my updated credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance Owed : {$290.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$230.00} XXXX XXXX XXXXBalance Owed : {$2200.00}
Consumer complaint received 2021-02-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC (VA)

I tried to do 2 wire transfers from my XXXX  XXXX XXXX account to my Gemini account to buy bitcoin. These are all legitimate funds that I made investing in stocks and crypto over the past several years. I broke it up into 2 transfers because XXXX XXXX XXXX XXXX online system had often in recent history not allowed me to do transfers over a certain amount. For some reason, Gemini rejected both transfers. The transfers were made on XX/XX/21. One was for {$900000.00} the other was for {$950000.00}. The {$900000.00} rejected transfer was properly credited back to my XXXX XXXX XXXXXXXX account on XX/XX/21. I have not received the rejected {$950000.00} wire transfer back in my XXXX XXXX XXXX account ( and it isn't in my Gemini account either ). 

Gemini literally has no support - no way to reach them. I've contacted them through messages on XXXX  and email over the last week with zero response. XXXX XXXX  XXXX has very little support as well, although they did at least respond to my XXXX message saying they are looking into it. 

I am worried sick ( literally ) about the whereabouts of my {$950000.00} transfer. Thanks.
Consumer complaint received 2023-06-10
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. (CT)

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 XXXXXXXX # XXXX, Account name : XXXX XXXX  # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2021-02-24
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ALLY FINANCIAL INC. (TX)

I surrendered a vehicle I could not continue payments on. I was informed of the actions that would be taken. The car would be sold at auction and any amount would be credited to the owed balance. This company sold the car and the next owner claimed insurance damage and received money from insurance leaving a claim on my insurance.This is fraudulent on behalf of Ally Financial. I have been harassed about payment. 1. the insurance claim is fraudulent, 2.Documents pertaining to all gross made of the vehicle sale, insurance money, taxes, fees and the unpaid balance that was remaining has not been provided after requesting multiple times. 3. this company has sold a debt to a collection agency in an attempt to collect a debt and not provided the received amount sold for. this amount is to be applied to the owed balance since this is what the money received is for.
Consumer complaint received 2021-02-24
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Exeter Finance, LLC. (IL)

I was in a car accident/collision in XX/XX/2020 in which my car was deemed " totaled '' because my parked car was hit by a drunk driver. My car insurance company, XXXX XXXX, and Exeter Finance LLC were in communication with each other and I was told that I wouldn't have to make my monthly payments anymore because it was being paid off in full by my insurance company. Exeret was unresponsive with myself and XXXX XXXX and as a result received the insurance proceeds late - which was no fault of my own. 

XXXX XXXX # XXXX
Consumer complaint received 2021-02-24
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TrueAccord Corp. (TX)

I keep getting repeated text message from this company by the name of TrueAccord. SMS style messages with a link, i reply stop and I get a message back saying i have opted out of sms messages. I have gotten this same message five times from five different numbers. This is obvious harassment.
Consumer complaint received 2021-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX  XXXX XXXX, GA XXXX Date : XX/XX/2021 Re : XXXX Dear Credit Representative : I am disputing the account stated above. Previously, I disputed this account information as being inaccurate, you have failed to verify that this is indeed my debt. 

I enclosed copies of my requests asking them to validate the debt. I was given no evidence of my obligation to pay this debt to this collection agency. This debt is not mine. 

The Fair Credit Reporting act requires you to verify the validity of this within 30 days. If the validity can not be verified, you are obligated by law to remove it from my credit file. I urge you to remove this account before I am forced to take legal action. 

In the event that you can not verify the item pursuant to FCRA, and you continue to report it on my credit, I will find it necessary to sue you for actual damages and declaratory relief. According to FCRA regulations, I may sue you in any qualified state or federal court, including small claims court in my area. 

I look forward to a swift and amicable resolution to this matter. 

Sincerely,
Consumer complaint received 2021-02-25
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. (TX)

My main complaint is with the 3 major credit bureaus. I am requesting for President Biden to transfer all of the Americans credit ratings from XXXX, Experian and XXXX to a more fairly used public registry that gives us all a fair game to the system, and I mean all minorities as well, and it should all be sent to you all the Consumer Financial Protection Bureau. I feel their system of running the people 's credit as rigged to advance only a select few and not anyone else that tries to get ahead as well in this country.
Consumer complaint received 2022-07-29
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: Experian Information Solutions Inc. (CO)

Upon reviewing my reports, incorrect information is being reported to my personal credit file. The Experian, XXXX and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian, XXXX and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 

XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021
Consumer complaint received 2020-12-03
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: Experian Information Solutions Inc. (WA)

I have sent numerous letters with no response requesting investigations and verifications of information on my credit report. This bureau has ignored my requests on the following occasions : Letters sent dated : XXXX/XXXX/2020, XXXX/XXXX/2020, XXXX/XXXX/2020, including a complaint warning letter dated XXXX/XXXX/2020. I have been more than generous with allowing the bureau more time than allowed by law to investigate and update my credit reports, but these incorrect accounts listed below have been negatively affecting my credit and I have had no luck in them doing what is right to fix this. The items listed below have been disputed with no response for over 6 months. This is ridiculous 1. Validate Account Chapter XXXX Bankruptcy Case Number : XXXX Please supply information on how you have verified this item. 

2. This Account was not 30 days late. 
XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

3. This Account was not 30 days late. 
XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

4. This Account was not 30 days late. 
XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

5. Validate Account XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item. 

6. Validate Account XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item. 

7. Validate Account XXXX XXXX XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item. 

8. Validate Account XXXX Account Number : XXXX Please supply information on how you have verified this item. 

9. Validate Account XXXX Account Number : XXXX Please supply information on how you have verified this item. 

10. Validate Account XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item. 

11. Validate Account XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item.
Consumer complaint received 2021-02-23
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. (AL)

THIS ACCOUNT WAS SUPPOSED TO BE REMOVED. I PAID THIS ACCOUNT AND ITS STILL ON MY PROFILE. I AM TRYING TO BUY A HOUSE AND THIS PAID COLLECTION ACCOUNT IS CAUSING ME AND MY FAMILY HARDSHIP There are several inaccuracies on my report that I didn't authorize these accounts, violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character. 

Transaction Details -- -- -- -- -- -- -- -- -- -- -- - Date : XX/XX/21 XXXX Merchant : XXXX - XXXX Type : Credit Card Sale Invoice # : XXXX Amount : XXXX Description : XXXX XXXX Credit Card Holder : XXXX XXXX XXXX Card Number : XXXX ITS REPORTING AS XXXX XXXX XX/XX/21 {$800.00}
Consumer complaint received 2022-07-29
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. (CO)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XX/XX/2017 XXXX XXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$5100.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2021-02-23
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: EQUIFAX, INC. (SC)

I sent a request to investigate inaccurate accounts on my credit profile on XX/XX/2020, it has now been months since I sent my inquiry but I have yet to receive a response. I'm looking to purchase a home/car and the inaccurate information on my profile are stopping me from achieving my dreams.
Consumer complaint received 2021-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hi, All the mayors credit reporting agencies still have one of my account on derogatory for over 7 years and they dont take it out. I am not able to build or get any type of personal credit.
Consumer complaint received 2020-08-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (CO)

My account XXXX There's {$180.00} in it.I need to withdraw money. My account has been more than 180 days since the last payment, but there are still some restrictions that prevent me from withdrawing money.When I withdraw my money Tip : Sorry, something is wrong. Please try again later. Please help me deal with it, thank you!
Consumer complaint received 2022-07-29
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. (MA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I'd like to address the inaccuracies on my Credit Report. Per my rights under the FCRA, please provide the contact information for the third-party vendor that supplied you with this errant information, since my court does not have a subscription to your credit bureau. 

Bankruptcy XXXX XXXXXXXXdischarged Filed Date XX/XX/2012 XXXX
Consumer complaint received 2022-12-28
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (IA)

I borrowed {$15000.00} in a private loan from Navient on XX/XX/XXXX to prepare for the bar exam. 

Unfortunately, my husband and I had to filed XXXX  XXXX bankruptcy in XXXX. During the XXXX years of my bankruptcy, my trustee made XXXX payments on my behalf to Navient totaling {$12000.00}. 

Instead of discharging the remainder of my private loan debt in bankruptcy, Navient put me in a long-term forbearance claiming I now owe them over {$26000.00}!! Navient claims that the Texas lawsuit prevented them from collecting on private loans and that they are entitled to charge this interest. 

I had hoped that my remaining debt would be XXXX in the XXXX class action lawsuit. However, my state was not included in the suit. 

I am hoping your office can help me reach a fair settlement and payment plan with Navient. It seems very unfair that they are making me start all over on payments on a debt that was nearly paid for. 

Any assistance you can provide would be greatly appreciated!
Consumer complaint received 2022-07-29
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: Experian Information Solutions Inc. (IN)

This is my 3rd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items 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, IN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX Balance : {$370.00} XXXX XXXX XXXX Balance : {$5100.00} XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-06-14
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. (FL)

On 3 occasions since XX/XX/2023 I have disputed 2 fraudulent hard inquires on my Equifax credit report, they have failed to remove the fraudulent inquires. These inquires are a result of identify theft and Equifax is the only company refusing to properly follow the law and remove the inquires in question as they were not authorized or initiated by me. A identity theft report has been filed with the FTC already along with freezes and a fraud alert on my report. Attached is a copy of the FTC identity theft report.
Consumer complaint received 2022-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AL)

I was made where of an account that is XXXX years old less than a year ago when I finally started looking at my credit report for the XXXX time. Since then I have had it deleted from XXXX  but experience and Equifax at the disputing it multiple times can't get it right. I even have had Equifax say it would be removed and it just hasn't came off yet and it's now XXXX months later.
Consumer complaint received 2021-02-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

In about XX/XX/XXXX my loan was sold from XXXX XXXX to SPS servicing. 

Prior to my loan being sold I had renegotiated lower insurance rates and the old insurance company had returned premiums to nation star. 

At the time the loan was sold nation star did not transfer this amount over with the escrow to SPS servicing. 

When I made nation star aware of it they transferred the funds to SPS fire a check payment that was sent via XXXX and signed for by SPS. 

Despite multiple calls to SPS trying to track this money, they assured me they did not have it. Because there was now a shortfall in my escrow account SPS servicing has raised my monthly premium. 

Last week during another call to SPS trying to resolve this they told me that they have had the funds since XXXX and have applied to principle. 

This is incorrect because it is escrow money not principal reduction money. 

They said they had no instructions from XXXX XXXX and did not know how to apply it. 

So instead of contacting me the owner, they decided unilaterally where to apply it. 

When I asked him to please resolve the incorrect payment and apply that amount to escrow they have refused. And said it is too late because the funds were applied in XXXX and its now XXXX. 

This is not my problem that they misapplied the funds. 

XXXX told me that they clearly marked that the check was escrow and why it was sent separately because of insurance premium reduction. 

This has raise my monthly payment. During these times it has put a strain on my financial position and this is unfair and its put me in an unfair position because they dont know how to manage the escrow account correctly. I need SPS servicing to apply those funds to the escrow account so that my premiums are reduced. 

I have informed SBA servicing that Im going to continue to pay my normal payment and I will not be liable for any late fees because they have not resolved the escrow amount correctly. 

SPS servicing had mishandled the escrow funds they received from XXXX XXXX