davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-05
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. (GA)

To Whom It May Concern : My name is XXXX XXXX, and I am writing you today because I would like to submit a complaint to address what I believe are discrepancies on my credit report. In preparation to purchase a new home in the future, I obtained my credit report and noticed several accounts that are of concern require attention. I hope to gain the correct information directly related to the accounts that are currently listed on my credit report. I am unsure about the correctness of some of the accounts that reviewed and I am not entirely convinced that all the information within these reporting accounts is true. According to the Fair Credit Reporting Act, I have the right to challenge anything I am not sure is precise. There are also accounts that appeared to be unfamiliar and I have no knowledge of their existence which provoked me to write this letter with the intent to correct information that has been incorrectly reported. 
In accordance with the Fair Credit Reporting Act XXXX  the following accounts have violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Title 15 U.S.C. Sec. 1681 section 602 A states I have the right to privacy. 
Title 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 consent to do so.

Title 15 U.S.C. Sec. 1681i ( a ) declares reporting accounts on your credit profile which can not provide irrefutable proof of the account in question must be deleted. Should the aforementioned be found to be applicable to any of the mentioned accounts, please remove or delete them from my profile. 
Should you initiate an investigation it will be very much appreciated. I understand that a thorough investigation takes a period of fifteen days for completion. After the investigation has begun and has been completed, please remove the accounts with discrepancies in direct violation of the Fair Credit Reporting Act. I would also like to formally request a report of your findings and what representatives had access to my personal information while the investigation commenced. 
Once again, thank you in advance for your time as you review the following accounts for accuracy in accordance with the Fair Credit Reporting Act. 
ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-27
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. (NY)

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX  XXXX Balance Owed : {$1000.00} XXXX  XXXX Balance Owed : {$1700.00} Account Number : XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-07-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (AL)

I am filing this complaint in response to FEDLOAN SERVICING 's stunningly incompetent handling of my Temporarily Expanded Public Service Loan Forgiveness application. They received my initial application on XXXX XX/XX/XXXX. I received no correspondence from them until around XXXX XXXX when I received a letter from them stating my application had been rejected because it was " illegible ''. I called on XXXX XX/XX/XXXX to find out what was wrong with my initial application, and I was told by one of their employees after waiting on hold for more than three hours that my supervisor had lined through an entry without initialing the correction. She said that my options were to have my supervisor contact them to resolve the issue or to file a new application. I called my supervisor on a conference line and she asked what his full name and job title were. He provided the requested information and she said that the error had been fixed, but that it would take a couple months to work through the system. I called in XXXX and was told that no action had been taken on my application due to the tremendous number of applications that had been received, and that it would probably take a couple more months. 

I called on XXXX XXXX and after waiting on hold for more than five hours was informed that they had no record of my calling at any time after the initial rejection and that I had to file a new application under the TEPSLF program. I have the names and employee ID numbers of every person that I talked to on XXXX XXXX. I understand that they settled a lawsuit for their completely inept handling of the original PSLF program, I believe that someone needs to investigate their handling of the expanded program as well, since I believe it is incredibly unlikely that I am the only person that was harmed by their total incompetence.
Consumer complaint received 2023-02-27
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. (TX)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. the accounts are misleading and needed verification immediately. Please check the payment history, date open, last activity, and Status of the accounts ' XXXX XXXX XXXX XXXX XXXX Balance : {$6400.00} and XXXX XXXX XXXX XXXXXXXX Balance : {$6400.00} I believe it was reported erroneously.
Consumer complaint received 2022-07-05
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. (IL)

To whom this may concern! 

Has putting out a pervious case regarding this same issue COMPLAINT ID XXXX I was told in written form which was attached to this case! 

That Experian will be removing fraudulent inquires from my report however a pond checking my updated credit report this information still remains on there which the inquiries they were suppose to remove are XXXX XXXX XXXX  XXXX So I will like to have this resolve immediately and removed from my credit report as requested Thanks in advance for your prompt attention to this matter. Sincerely, XXXX XXXX
Consumer complaint received 2020-08-26
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. (AR)

I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.
Consumer complaint received 2022-07-06
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)

There has been a XXXX XXXX Claim in my credit report for the last 3 yrs. and has been showing as an unpaid debt. The Hospital submitted a no-fault car insurance claim to my insurance incorrectly : wrong amount and wrong medical billing codes. As a result, my credit has been negatively impacted - I have been trying to refinance my mortage as stated in my divorce papers. 

I was in a XXXX XXXX in early XXXX, I went to XXXX XXXX in XXXX, NY to be checked and submitted all required no-fault claim paperwork to both hospital and my insurance company. 
It has taken me 2 yrs. to get this corrected, and still, the negative history is part of my credit history. I have made countless calls to the XXXX XXXX XXXX and XXXX - however, all they could site was " collections laws '' and that they had nothing to do with the claim nor had any idea of how to " remove this '' from my credit history. The attached letter was received from them on XX/XX/XXXX, and still, my credit report shows this debt -- appears on my three ( 3 ) credit bureaus as " old unpaid medical debt ''
Consumer complaint received 2022-07-05
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. (TX)

THIS IS NOT a request for verification or validation of debt. This is a NOTICE & DEMAND to TRANSUNION that the listed institutions ATTACHED in the notice have not conformed and are currently reporting in non-compliance with the following XXXX XXXX XXXX XXXX. I never received the required Privacy Notices from these corporations that XXXX is reporting on my consumer report. By publishing these non-compliant account ( XXXX ) on my credit profile and distributing them to 3rd parties you are INTENTIONALLY DAMAGING my reputation, are infringing on my unalienable rights to privacy and damaging my credit worthiness. 

Also, I did not give any " credit bureau '' corporation permission to report any late payments and negative items to my report. TRANSUNION is a third party corporation and I did not give TRANSUNION permission or authority to use or communicate my information with any third parties under XXXX XXXX ( a ). TRANSUNION assembled a consumer report without my authority this is identity theft.
Consumer complaint received 2022-07-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (NJ)

I was looking for a summer XXXX and found a XXXX XXXX XXXX offered by them. That happened on XX/XX/XXXX. On XX/XX/XXXX, they sent me an interview invitation. Since it was a remote XXXX, they asked me to contact HR- XXXX, the person I get with, through a website " XXXX XXXX XXXX '' ( it is a XXXX website ), and it is possible to search XXXX by entering " XXXX '' on XXXX website. Everything went well until that person interviewed me. 

After the interview, XXXX told me I was confirmed qualified for the open position. However, he asked me to pay for the training material while the finance department sent me a check through email ( the email above ). I made the payment through XXXX on my mobile bank APP. There were two receivers. One of them was XXXX XXXX with the email address XXXX and phone number XXXX XXXX XXXX ; the other person was XXXX XXXX with the email address XXXX. I made {$1800.00} to XXXX XXXX, and the payment to XXXX failed. The check they sent to me was {$1900.00}. In next day, XXXX notified me that some updated equipment was added to the training materials and asked me to pay another {$1400.00} to XXXX XXXX. They did not send me a check at once. Instead, they said they would send the physical check and training materials on XX/XX/XXXX. At that point, I recognized it was a fraud, so I contacted my bank 's customer service and made claims for all the above transactions. On XX/XX/XXXX, which is today, I did not receive anything from them ; instead, XXXX still wanted me to pay {$1500.00}, so they could mail the training materials and check to me. I told XXXX that my bank account had been closed ( It is not closed, but it will be closed on XX/XX/XXXX since the bank recognized the {$1900.00} check was a scam ), and no one could access my bank account, even bankers. Then, XXXX said, " [ I am ] advised to proceed to make payment of XXXX or partial payment right away ... Failure to comply, [ my offer ] will be canceled immediately. '' I did not and would not comply. 

Eventually, I transferred {$3300.00}, and the second payment is still pending. However, my bank can not stop the transaction ; instead, they made claims for all of those transactions.
Consumer complaint received 2015-03-31
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Commonwealth Financial Systems, Inc. (WA)

In XX/XX/XXXX a collection company attempted to collect XXXX debts from me that were not mine. They used a variation of my name and home address including an apartment number for my home. I filed a complaint with the attorney generals office in XXXX, WA. I did not hear any more. In XX/XX/XXXX ( 6 years later ) Commonwealth Collections ( a subsidiary of XXXX collections ) attempted to collect these same XXXX debts with a variation of my name and the same erroneous apartment number for my residential home address. Once again I referred the matter to the attorney generals office. The AG filed a complaint on my behalf but they ca n't impose resolution. Collections agencies are simply junk debt sellers and this is what is happening. They know this is n't me but they sell the contract from one company to the next and nobody is successful at getting these criminals to cease and desist. I want them stopped..
Consumer complaint received 2022-07-05
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc. (CA)

On XX/XX/2022, I went online to check balance on a " Vanilla visa gift card '' it had {$13.00} left of original {$100.00}. When I went to store to use I was told there was XXXX  cents left. 
When I went to check balance online could see that numerous charge for XXXX cents and {$1.00} were made to " XXXX XXXX ''. 

I feel the website was hacked since it took be to an illegitimate website from the real one. When I called the number on the back of the card XXXX XXXX XXXX XXXX, they were unconcerned about their websites security and told me to call back in a week. 

I am not as concerned about the {$13.00} as I am about the scam and the cards lack of concern and that is why I am reporting to you in hopes that these scammers can be stopped.
Consumer complaint received 2015-10-28
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Alliance One, Inc. (NH)

I keep getting debt collection calls from the telephone number XXXX. 
I told them they have the wrong number and the person they ask for is not at this number, but they just keep calling. 
The most recent repeat dates on my call log XXXX, XXXX, XXXX, and XXXX ... but this has been going on forever it seems. 
How do you stop harassing phone calls at almost XXXX at night?
Consumer complaint received 2016-08-22
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I have been with Capital One since XXXX of 2016 and i have had to go thru the XXXX just for them to increase my credit limit this month and they still have not reported to any of the credit bureaus like they are supposed to be doing an that is a breach of there terms and Agreements because they lied and i want them to report asap.
Consumer complaint received 2022-07-05
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. (GA)

I HAVE CONTACTED THIS COMPANY MULTIPLE TIMES REGARDING THIS MISREPORTING ACCOUNT. THIS ACCOUNT DOES NOT BELONG TO ME AND IS FRAUDULENT.
Consumer complaint received 2022-07-05
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)

In accordance with the Fair Credit Reporting Act. This List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-07-05
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. (FL)

In accordance with the Fair Credit Reporting Act. This List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX # XXXX, CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2015-11-28
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: Lending Solutions Mortgage/ LSI Mortgage (GA)

I have a private held mortgage ... I applied for a refi to reduce my interest rate, first time I applied in 2014 with XXXX after being told that I was approved at the last minute I was turned down.. 2nd time with LSI after being told I was approved and I would be receiving my documents I still to this day have not been turned down..I have submitted over and over the same documents numorus times, now resulting in a 8 months and XXXX appraisals over {$1000.00}. My attorney investigated this company and my loan officee and found that they do NOT have a license, neither of them. 3rd time was with XXXX was told I was approved, 24 hours before closing I was told I was denied. Claimed something about Frank Dodd act so I still do not what that was about. 
So here I have been turned down XXXX times, never once for credit, debt to income ration or income which is why a person would get turned down. 
I would like to take action/full investigation against all XXXX of these companies and I would like to get my loan approved and I would like all my money back for fraudulent appraisals. 
Please contact me at XXXX cell and email is XXXXXXXXXXXX to help me.
Consumer complaint received 2022-07-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: U.S. BANCORP (AZ)

US Bank took over my State Farm credit card which was XXXX XXXX interest since inception. Earlier this year, they mailed out a letter saying my rate was going up XXXX XXXX due to my credit report and their recent review. 

I complained to State Farm to no avail. Then I called US Bank and spoke with " XXXX XXXX '' by phone in the third week of XX/XX/XXXX. I stated I needed a copy of the letter which I could not locate in my home. It was recently received. In the phone call to this US bank employee, she denied the interest change was specific to my individual credit. She proclaimed all got a recent rise in an interest rate increase. 

I am supplying the letter as documentation that clearly proves the jump in my rate on my card ( as of XX/XX/XXXX ) was due to MY credit score and MY credit review by them. I am also enclosing their second fraudulent solicitation received by me stating any balance transfer I make right now will be at the lower XXXX XXXX rate. This is not true as the boost in rates applies to " all usage '' after XX/XX/XXXX '' as stated in the letter Upon further examination, I see that a prior balance transfer is crediting all my payments towards that transfer first when I have made them. The remaining balance on that XXXX balance transfer is only {$210.00}. This is not what I understood when I took the offer last year. They are prematurely paying off the zero interest balance about XXXX months early and letting interest stack up on all purchase balances. That seems illegal. If not, I am not sure it was disclosed. 

I have quit using the card and it is scheduled for payoff soon. I don't trust US bank after seeing how they market lies across state lines and their staff lies when you call in. They make it difficult to have a trail of correspondence. Only they can message you in their online app. They do not allow me to message them with this complaint of numerous infractions. 
So, since they don't allow written `` trail '' complaints online, I am complaining to you and the Arizona AG office next. Seeing illegal activity as I have found in their operations, what else are they doing illegal?