davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (FL)

To Whom It May Concern : I have recently reviewed my credit reports and noticed you are claiming that a late payment has been made on my account. I do not remember ever being late with a payment on this account. DO NOT EMAIL ME. ONLY CONTACT ME VIA US MAIL. Please provide statements and records of all payments made and missed since I opened the account VIA US MAIL NOT EMAIL. 
In the absence of verifiable information about any late payments, please inform the credit reporting agencies that the account and all payments have been paid as agreed. 

Also, your record is incorrect in the timing of payments. I have asked you to remove any late payment notifications from your records and credit agencies since there is no plausible way that payments can be made through XXXX, paid in full, and then a late payments of 90 days show up in XXXX for the month of XX/XX/XXXX.
Consumer complaint received 2023-03-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

ON XX/XX/2023 i XXXX XXXX XXXX received a letter from Bank of America stating {$9400.00} was withdrew from my Checking Account on XXXX XXXX and was applied to an outstanding Balance the was reported closed Charged off as bad debt profit and loss write-off on XXXX XXXX and Again on XXXX XXXX XXXX with a XXXX Balance on XXXX XXXX {$28000.00} was withdrew from my Savings Account for the same reason then on XX/XX/2023 i received a payment refund of {$28000.00} back to my Account.
Consumer complaint received 2022-08-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting Act, Transunion has violated my rights. Title 15 U.S.C 1681 section 602 A, states I have the right to privacy. Title 15 U.S.C 1681 section 604 A Section 2 : It also Staes a consumer reporting agency can not furnish an account without my written instructions and/or written consent. 

Transunion is in violation of FCRA Section 611 Part ( A ) ( 1 ). 
on XX/XX/2022, 9 certified mail envelopes regarding many discrepancies on my consumer report where sent over to Transunion. I have signed green slip receipts showing they accepted my mail. However, my transunion consumer report never reflected an ongoing investigation. After, 30 days and even an addition 30, Transunion, never responded or sent me any correspondence with any of the 9 matters.
Consumer complaint received 2022-08-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Grain Technology, Inc. (NC)

Grain closed the account because i no longer qualified for the service so im unable to pay off my balance owed or anything. I emailed them several times telling them that I cant get into the app to pay off my balance owed or provide me with the information as to where i need to send my payments. I keep getting the same generic email saying to reset my password. Ive tried that numerous times and nothing happens.
Consumer complaint received 2019-02-19
Product: Vehicle loan or lease — Loan
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: WELLS FARGO & COMPANY (PA)

The Fair Credit Reporting Act ( FCRA ) this document explains the rules and laws that the credit bureaus and creditors/banks must abide by.

Link : https : //www.consumer.ftc.gov/sites/default/files/articles/pdf/pdf-0111-fair-credit-reporting-act.pdf  ( page 78 ) FCRA Section 623 ( a ) ( 3 ) ( this law is for creditors/banks ) 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 
ANY TIME contact is made to any an entity questioning a line item that they placed on your credit report, they are required to contact the credit bureaus on your behalf, and make sure they add a sentence to your credit report WITHIN 30 CALENDAR DAYS that says you have disputed the negative item in question. 

I have a copy of my credit report on the day Wells Fargo DRS signed for my letter, and another copy of my credit report exactly 31 days later. 

I have proof that they didnt follow the law.
Consumer complaint received 2023-03-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

My name is 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 2018-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AES/PHEAA (CA)

In XXXX, XXXX and XXXX, I applied for the forbearance on my consolidated loans with XXXX XXXX. I had a total of XXXX missed payments ( XXXX  missed on XXXX loans ). Once my I was approved for forbearance, my late payments with XXXX  XXXX were retroactively brought to " current/on-time '' payment status. I requested that they remove the incorrect payment status with the credit bureau, as I am currently in good standing. 

I called XXXX XXXX on the following dates to get this matter resolved : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

I sent emails to the CEOs of XXXX, XXXX and XXXX on XX/XX/XXXX to get these incorrect reports removed. 
On XX/XX/XXXX, XXXX updated my credit report with the correct information and removed the late payments. 
On XX/XX/XXXX, a man from XXXX  called me. We then called XXXX  XXXX on a three-way conference call to verify the information I was disputing was correct, but the representative refused to acknowledge. She did ; however, verify that my account was in " current/on-time '' status. 
As of today, XX/XX/XXXX, I have not heard back from XXXX  on this matter.
Consumer complaint received 2023-03-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY (GA)

I obtained a credit card. The company reduce the credit limit without an explanation from {$9000.00} to {$6900.00}. The credit limit was reduced a 2nd time from {$6900.00} to {$1700.00}. I reached out to the company who states I am a risk. I demanded an explanation. The male stated that they did not have to get me a reason. The credit limit reduction affect our credit and looks as if we spending all the funds on the credit card. 

During COVID, I apply for payment relief due to my husband 's reduced hours. Wells Fargo stated assessing late payment during the payment delay process. I called and a female stated they would research and return my call. I never receive a call.
Consumer complaint received 2023-03-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I sent a copy of my drivers license and bill with my dispute letters. They were received on XX/XX/2022 at both XXXX and Transunion. No action was taken. I am sending a copy of the dispute letters and the USPS tracking confirmations, that the letters was received.
Consumer complaint received 2019-02-19
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. (NY)

Transunion has XXXX XXXX as an open account with a balance of XXXX. I was told by both Transunion and XXXX XXXX that this account would be removed by today, XX/XX/XXXX
Consumer complaint received 2019-02-19
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. (FL)

I closed a credit card account some years ago and was paying down the total each month. While this was happening, the credit agencies kept my total percentage at 100 % each month no matter what the balance was compared to the total amount that was given to the card. This past XXXX, I paid off the remaining amount owed which was over XXXX dollars in one payment. This should have generated a positive increase in my credit scores, but instead it took a fairly good drop. So in essence I got penalized for having the debt on the card and then penalized again for paying it off. Something really need to be done to clean up these reporting agencies. With so many different companies and each with their own procedures to create a credit score, no one gets an honest report or score.
Consumer complaint received 2022-08-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the Fair Credit Reporting act XXXXt Account # XXXXXXXX XXXX XXXX  Account # XXXXXXXX XXXX Account # XXXXXXXX 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 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-08-04
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. (AZ)

My Experian credit report reflected a hard inquiry for XXXX XXXX XXXXXXXX credit card done XX/XX/22. I did report to Experian and they are adding a fraud flag and advised me to create a report here. 

Additionally my XXXX online account was hacked where someone ordered auto shipment of dog treats ( I only have cats ). They have refunded me and de-activated the account while they investigate the fraud. 

I am not sure if both are related but I find it quite coincidental that both happened today. 

XXXX XXXX
Consumer complaint received 2019-02-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX2018 I have spoken to all three credit bureaus and was a recent victim of identity theft and have yet to have any communication with them on removing the inquiries this affect have caused me to be denied credit line increases and more Also credit bureaus have failed to update proper information on a vehicle that was paid off still reflects as if I owe on the car still
Consumer complaint received 2020-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TN)

XXXX XXXX  CC Ending in XXXX In XXXX of 2020 I called XXXX XXXX  Credit card and told them I had the XXXX. They stated to me it was no problem, that my payments would not be marked late. When I went back to work the end of XXXX I called XXXX XXXX  on XX/XX/2020 and paid the account in full. On XX/XX/2020 XXXX closed the account and put it in " charged off '' off status on my credit report after paid in full. The late payments during the XXXX  months and the charge off after payment in full has severely damage my credit. XXXX XXXX refuses to fix. This is unacceptable that a credit card company not only mireported late payments and a charge off and refuses to correct the tradeline on my reports!
Consumer complaint received 2023-03-17
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. (MD)

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments. In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy, and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

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 XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-03-17
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. (CA)

The address of XXXX XXXX XXXX XXXXXXXX ca XXXX and the address XXXX XXXX XXXX XXXX XXXX ca XXXX are addresses in not associated with multiple fraudulent dredit cards and bank accounts were opened in my name and sent to those addresses I tried to call and have them removed but I was told they where flagged.
Consumer complaint received 2022-08-02
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. (OH)

In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX Account Number XXXX, XXXX XXXXXXXX Account Number XXXX, XXXX Account Number XXXX, XXXX Account Number XXXX, XXXX XXXX Account Number 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 an account without my written instructions.
Consumer complaint received 2019-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (FL)

I have monitoring services with all three credit bureaus which allow me to unlock and lock my credit report, since I am a continuous victim of identity theft. On XX/XX/XXXX, someone unlocked my credit report without my consent and then called and changed addresses, phone numbers, added accounts, credit cards opened, rented a place with my social security number. When I called to see how my credit report was unlocked when I had locked it back in XXXX, they kept transferring me to one department to another and manager to manager. Nobody could answer my question. I was left having to clean up the mess when I am paying them a monthly fee so that I and I alone can unlock and lock my report. I asked them if there was an additional step I could take so that someone impersonating me could not call and unlock my report and they told me that no
Consumer complaint received 2022-08-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (MA)

Hello. I consolidated my federal loans in XXXX and have been participating in the Public Service Loan Forgiveness program since that time. I currently have 120 qualifying payments. I have worked full time/40 hours at a non-profit since XXXX. My loan server has been fedloans during this time. I applied for PSLF through XXXX in XX/XX/XXXX. I waited 3 months for a response and then received a denial letter stating reason is not being employed full time. I have worked full time since XXXX. When I spoke with the XXXX rep, they stated they thought there was a scanning error and " 40 hours '' looked like " 10 hours. '' I disagree and think it looks like 40 hours. Nevertheless, I re-submitted a PSLF application to fedloans. Shortly thereafter, my loans began a transfer process to Mohela that took two weeks. I went ahead and submitted my PSLF application to Mohela. I additionally submitted old employment certification forms from previous employers to Mohela. I spoke with the Mohela rep who tells me it could be mid XXXX before anyone gets around to looking at my application. I have been getting the run-around for 6 months now. I qualify for PSLF and would like my application reviewed so my loan and move forward with discharge. I have been participating in this program for over 10 years and should be prioritized above other borrowers who now only qualify under the new rules.
Consumer complaint received 2022-08-04
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. (GA)

I am a victim of identity theft, I have a ftc identity theft report and I want these accounts removed from my report, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX credit card, these accounts are fraudulent, my information is being used to open these accounts, I have no knowledge of these accounts and Im asking Equifax, XXXX, XXXX to remove these accounts, I am now suing XXXX for a data beach and XXXX XXXX for exposing all my information on the dark web, no fraud alerts please, please remove accounts from my credit report, please tell XXXX no excuse they do not help when I call so Im using this process because of rudeness and unprofessional people so please remove all these accounts
Consumer complaint received 2019-02-19
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. (VA)

On XX/XX/2018, my application for discharge of my federal student loan was approved on the basis of my XXXX XXXX  XXXX   XXXX, and canceled my obligation to repay the remaining balance. Please see attached letter. The letter states that a total of {$300000.00} was XXXX. 

Following my receipt of this letter XXXX XXXX and XXXX  reported that the loan was closed and reflected a XXXX balance. This raised my credit score to over 800 and " Exceptional. '' Experian continued to reflect the balance was over {$330000.00}. I filled two disputes with Experian. Both times the results came back with a higher balance and lowered my credit score by more than 30 points. When I called Experian they said I needed to deal with the lender ( XXXX XXXX ) directly. When I called XXXX, they said, " The process takes a very long time, but the loans have been discharged. '' Now All three credit bureaus reflect the XXXX account is open, with a balance of {$330000.00}, which is higher than what my XXXX balance relfects on XXXX 's website - {$330000.00}, which has not changed since XX/XX/2018, and is in fact incorrect. 

My question and complaint is, how and why did the account show closed and a XXXX balance with XXXX XXXX and XXXX  and never with Experian? 
Why now, do all three agencies report a balance of {$330000.00}, causing my credit scores to drop considerably, when in fact the loan has been discharged since XX/XX/XXXX and a balance of XXXX should be reflected on all three credit reports?
Consumer complaint received 2023-03-16
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. (MI)

I am the consumer filing this report please do not close without completion. Here are a list of violations on my credit report : USC 1681 SEC 602 ( A ) states that you have no permissible purpose by law to contact third parties with my personal information. " I have a right to privacy ''! You offenses amount to aggravated identity theft pursuant to 18 USC 1028 ( A ). You have knowingly transferred, possessed, or used w/o lawful auth, a means identification of me, which is a felony punishable up to two years of imprisonment, in addition to civil liability. This agency is in violation of 15 USC 1692G. They were to notify me of this in writing five days prior to and I was not. As the original creditor only I can validate the debt and i did not validate this debt. Therefore the following accounts must be deleted from my report. Failure to respond with deletion will result in {$1000.00} per violation for ; Defamation of character, fdcpa, 15 USC1692G, 15 USC 1681N, and negligent enablement of identity fraud.