davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-04
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. (IL)

Hello. My name is XXXX XXXX, I have reached out to XXXX and TransUnion regarding the improper/incorrect/false/illegal reporting to my personal credit report from a creditor by the name of Persolve Legal Group LLP/Persolve Industries etc XXXX I have also tried resolving the issue with the creditor directly. I have had several frustrating interactions with all 3 companies for years now as the issue has yet to be resolved. The company [ XXXX XXXX XXXX, XXXX ] is reporting a closed account to XXXX but is reporting the same account as open, negative and with an incorrect balance to TransUnion. I am trying to resolve the matter with the creditor as it is negatively hurting my personal credit causing greater issues in my personal life. I am unable to resolve said debt with illegal and false information being reported and the reporting bureaus accepting this illegal and false information and reporting it.
Consumer complaint received 2022-10-04
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. (TX)

I have tried to dispute incorrect information for the last six months with the credit reporting agencies. I even submitted a report from the police department stating that someone had used my identity to open up accounts. Also, there are collection agencies that are not my medical doctors listed where I was not sent proof that I had a contract with these collection agencies. 

XXXX XXXXXXXX XXXX the amount {$440.00} XXXX XXXX the amount {$1900.00} XXXX XXXX {$230.00} {$76.00} XXXX XXXXXXXX XXXX {$1200.00} XXXX XXXX {$730.00}
Consumer complaint received 2022-10-04
Product: Debt collection — Medical debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CCS Financial Services, Inc. (MA)

I had an XXXX procedure done at XXXX XXXX XXXX in XXXX. My insurence states that everything should be covered, I am now getting billed for the XXXX for {$550.00}. XXXX and I have disputed this charge. I am now receiving a bill from a debt collector. The company is Credit Collection Services. thier number is XXXX. My file number with them is XXXX XXXX XXXX XXXX XXXX. I would like a stop to reciving invoices from them until I correct this with my insurence company so my credit doesn't go bad. Receiving a XXXX without the XXXX is like renting a car and then when you go to drive it they tell you you have to pay for a steering wheel. Any help would be greatly appreciated, thaks.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

My Credit Profile is inaccurate which is not fair to me. Please Investigate this and fix it. I'm really sick and tire of these XXXX. Should there should be any updates on my inquiries. I'm gon na go to the court.
Consumer complaint received 2022-10-02
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: EQUIFAX, INC. (AZ)

On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-10-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (KY)

I am writing to state how horrid the communication has been on student debt relief and how screwed over many of us are now. I graduated in 2005... I have stafford loans, the same ones my husband has who just graduated... BUT because of when I went to school - mine are apparently commercially held... something I was not even aware of until recently. When questioning studentaid.gov by phone on what I need to do- I was specifically told to hold off as XXXX XXXX XXXX is working with privately held XXXX loans on the one time loan forgiveness... well now XXXX XXXX XXXX states any loans not consolidated by XX/XX/XXXX WILL NOT be eligible. Even when I called XX/XX/XXXX- I was told- they are still looking into it but today everything states basically we are being exlcuded. The people who have been paying on loans for 15 years, never missed a payment ... literally {$25000.00} just in interest but because I graduated a few years earlier than some and XXXX took over the same loan type I have- I get nothing. I was given BAD information and now I am screwed out of {$10000.00} - and I am livid .... Something needs to be done about this as I am sure many are in my same boat and it is crazy that kids that havent even started paying towards their loans will get this help and those that have paid off huge chunks get nothing...
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (DC)

During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity via 15 U.S.C 1681i ( a ) ( 1 ) ( A ).
Consumer complaint received 2022-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PENNYMAC LOAN SERVICES, LLC. (LA)

XXXXXXXX XXXX XXXX I moved into a forbearance with my mortgage. I was assured that my credit would not be affected. XX/XX/XXXX they reported my balance had increased {$3400.00}. No information was sent to me on why it was increased. XX/XX/XXXX my escrow and mortgage was brought current since the forbearance has ended. After several fights of XXXX saying my mortgage did not increase and they never reported to my credit they lied and they did report to my credit. There is no Documation that my mortgage increase only that I was in a forbearance plan and the entire balance has been paid and on time. No one will give me answers as to why XXXX reported my balance as increasing. The recorded conversation on XX/XX/2022 of me asking for this information I was told they could not send me any information because they did not report it.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I disagree the account listed below which still appears on my credit report even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. in accordance with the Fair Credit Reporting Act Public Law 91-506 title VI section 611 subsection A-D, please provide the name and business addresses of each individual with whom you verified the the information above, so that I can personally follow up. Please send me an updated Credit report after your re-investigation. 

# XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (MO)

I refinanced my student loans during the CARES AcXXXX. I consolidated my XXXX Loans from my XXXX XXXX XXXX, Great Lakes, with the help of my refinancing lender, XXXX. This refinancing payment was made on XX/XX/2022 for {$28000.00}. With the announcement of the Biden Forgiveness Program ( XXXX XXXX XXXX ), I wanted to see if there was any possible way to get my money refunded even though it was no longer federal and heard from many others who refinanced during the CARES Act that they were able to get their refinancing payment refunded as it states that you will are eligible for a refund on ANY voluntary payments made during the pandemic, I simply needed to contact my servicer. Since I had a XXXX XXXX, I was eligible for {$20000.00}, so I gave Great Lakes a call to request the refund. They said they had to get it approved by the Department of Education and in a couple of weeks I got a call back from Great Lakes saying it was declined because the payments were made by a " 3rd Party. '' The only wording kind of close to what they are saying is that " Refund requests can only be made by you and refunded to you, even if someone else made a payment on your loan. ", but it doesn't state that you won't/ca n't receive the refund, simply that no matter who paid it, if you request it, you will receive it. This shouldn't be an issue as I have personal accounts of many other people who were able to get their federal loans refunded/reinstated even though they refinanced AND my refinancer, XXXX, has said they would be willing to do a group call with Great Lakes to make the request if need be. Both Great Lakes and/or the Department of Education are not providing the services that they say are allowed as I meet all criteria and know many others in identical situations that were given their refund.
Consumer complaint received 2022-10-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (NY)

I am a XXXXXXXX at XXXX University and was part of a scam by someone posing as a professor. He paid me with a bad check to cover expenses and salary. I deposited the check and then as instructed, used XXXX to pay for expenses. I became aware from the University that it was a scam and I alerted my bank Wells Fargo that the check was bad and that they needed to stop the XXXX and halt the deposit of the check. I contacted Wells Fargo on XX/XX/XXXX via phone to the fraud department. On XX/XX/XXXX, Wells Fargo froze my account without reversing the check or stopping the XXXX payment and used my funds to cover the check, wiping out my account. Wells Fargo refuses to do anything.
Consumer complaint received 2024-01-30
Product: Credit reporting 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)

XXXX, Transunion, and XXXX are obligated by the FCRA to report accurate accounting. A charge off account from XXXX XXXX XXXX is reporting on my credit report. According to IRS publication 4681 : If your debt is forgiven or discharged for less than the full amount owed, the debt is considered canceled for the forgiven or discharged amount that you no longer need to pay. Cancellation of a debt may occur if the creditor can't collect, or gives up on collecting, the amount you're obligated to pay. If you own property securing a debt, cancellation of the debt may occur due to foreclosure, repossession, voluntary transfer of the property to the lender, abandonment of the property, or a mortgage modification. In general, if your debt is canceled, forgiven, or discharged for less than the amount owed, the amount of the canceled debt is taxable. A charge off is considered income by the IRS and income does not suppose to be reported on my credit report. I never received my copy of the 1099-C. Also, according to 15 USC 1681 I have the right to an accurate report across all reporting bureaus. This particular charge off account show inaccuracy with all three bureaus. The information directly impairs the efficiency and credibility of the information being reported by the credit bureau.
Consumer complaint received 2022-10-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

I have been in contact with the CFPB before with XXXX XXXX. He was very helpful and told me that he understood where I was coming from in my situation he then reformed my dispute claim as the bank put a bunch of charges I did not authorize them to put on my claim they claim that from their phone call I did however they refused to let me listen to that phone call. I was told by one of their agents and XXXX that my case was reviewed and switched to only three charges and which those are the ones I only wanted it on there from the beginning I have three charges two of which I got a fraud text message from Fifth Third themselves Which says is this fraud and I answered yes. I also have another charge from an XXXX supermarket right across from this location of this charge which is in a very terrible neighborhood of XXXX far from my house which is also not consistent with any of my spending patterns. Fifth third bank and XXXX confirmed that my claim was down to three charges now and will only be reviewed for those three however they decided without even telling me that they are going to stick with the original dispute based off the phone call which they still will not let me listen to even though I have proof from them that says They detected fraud and I agreed it was fraud when the charges were made and they still allowed the card to be active after I said it was fraud. I have the text message I will attach I also have a police report and XXXX gave me the locations of the charges which show they are in an area where I have never spent money before and are not consistent with my spending patterns. I am on the verge of taking them to court because I can not believe the amount of times they have lied to me they refuse to review my details that I have sent them which show that they detected fraud and I confirmed it was fraud just based off a phone call that I made originally that they claim I authorized all those charges however I never did and they refuse to let me listen. This is my last straw before I take them to court with my sufficient evidence because there is no arguing a text message from them that asks Me if it was fraud and me confirming that it was. I was also lied to by one of the representatives when I had called and asked them to confirm that it was just three charges on the new dispute and she confirmed however they still went with the old dispute.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am writing to formally request the immediate blocking and deletion of certain accounts and inquiries from my credit report, as I am a victim of a data breach and identity theft. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have unauthorized or fraudulent information removed from my credit file to ensure its accuracy. 
Please remove the following accounts from my credit file : XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Amount : {$5400.00} XXXX. DPT ED/XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Amount : {$680.00} XXXX. XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Amount : {$740.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$150.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$630.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$150.00} XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$6200.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$6200.00} XXXX. XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Amount : {$680.00} XXXX. XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$580.00} XXXX. XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$580.00} XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$220.00} XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Amount : {$1300.00} XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} Additionally, please remove the following unauthorized inquiries from my credit file : XXXX. XXXX XXXX XXXXXXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX. XXXX  XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX. XXXX  XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX. XXXX XXXX Date of XXXX : XX/XX/XXXX XXXX. XXXX XXXX  Date of XXXX : XX/XX/XXXX XXXXXXXX XXXX XXXX Date of XXXX : XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX. XXXX XXXX  Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXXXXXX Date of Inquiry : XX/XX/XXXX
Consumer complaint received 2022-10-04
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: TRANSWORLD SYSTEMS INC (CA)

A company identifying themselves as : TRANSWORLD SYSTEMS XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Placed a fraudulent collections account on my credit reports in the amount of : {$670.00} And claimed the original creditor was : XXXX XXXX XXXX XXXX ( Utilities ) I never opened any such account.
Consumer complaint received 2022-10-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PENTAGON FEDERAL CREDIT UNION (FL)

Greetings, I called Penfed customer service to report unauthorized activities in my account and the first agent that took my dispute was very kind and assure me that I will be getting my money back. Then I receive an email from the security department that if I had authorized some transactions and I told them no. They saw the discrepancy with the account because they with withdraw {$300.00} and then refunded me and then charge me again for three different {$300.00} dollars transactions, {$500.00} and {$100.00} I spoke with the security department and they told me that they will transfer me to customer service after being on the phone with them for over one hour. 
The last agent I got then tried to treat me with an attitude, and they have not refunded my stolen money, and that is shameful because even one of the agents told me that it is weird.
Consumer complaint received 2022-10-04
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. (FL)

THESE ACCOUNTS WERE POSTED WITHOUT MY CONSENT, I HAVE THE RIGHT TO PRIVACY ACCORDING TO THE FAIR CREDIT ACT. USC 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY, 1681 USC 604 SECTION 2 STATES A REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN CONCENT, THESE LAWS WERE BROKEN AND MY RIGHTS VIOLATED XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX THESE ACCOUNTS WERE FURNISHED WITHOUT MY WRITTEN CONCENT.
Consumer complaint received 2024-10-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (GA)

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 2022-10-04
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. (CT)

On XX/XX/2022 I wrote the XXXX and Equifax about reporting inaccurate information on my credit report that needed to be deleted from my credit report with no result from them then wrote them again on XX/XX/2022 stating that the following accounts were still reporting inaccurate and unverifiable information on my behalf. 
XXXX. XXXX SELF-REPORTED Account Number : XXXX XXXX. XXXX SELF-REPORTED Account Number : XXXX XXXX. XXXX SELF-REPORTED Account Number : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX SELF-REPORTED Account Number : XXXX XXXX. XXXX SELF-REPORTED Account Number : XXXX these accounts are damaging to my credit and credit profile. I've been denied housing do to these inaccuracies and need this to be rectified by being deleted it is only fair at this point.
Consumer complaint received 2022-10-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I am writing this because I am a victim of identity theft, and I am demanding that all inaccurate and incorrect information included on my Identity Theft Report and this complaint be removed. I submitted a complaint to the Federal Trade Commission already with no response. Based on my knowledge of the FCRA, 15 USC Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer information that resulted from an alleged identity theft, not later than 4 business days after the date. 

Because of this law, XXXX and Transunion are currently in VIOLATION of this law and are required to delete all negative items detailed in this report and/or pertaining to a dispute via their portal. As a result of their negligence Ive since been denied for new lines of credit, services etc. This is a directly affecting me and costing me more money and time.
Consumer complaint received 2022-10-04
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (FL)

Hyundai Finance received my request for a title transfer on my leased car on XXXX. I moved from XXXX to XXXX  and need to register my car in the new state. It is now XXXX and after speaking with an additional two representatives from Hyundai today, there is nothing they can do and I need to keep waiting. I'm on my second temporary registration in XXXX  and will be unable to drive the car I'm paying for when that registration expires next week. It is unacceptable that there is still no update on the status of this issue. They also have the incorrect address for my DMV and refuse to update it, so I'm doubtful that it'll ever be sent to my dmv.