davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I am writing to dispute an error in the reported monthly payment amount for my XXXX XXXX credit card account ( Account Number : XXXX ). According to the information provided by your bureau, the amount I am reported to pay monthly is incorrect. I believe that the reported amount does not accurately reflect the payments I have been making. The correct amount should be {$25.00}. Please update my report to reflect this.
Consumer complaint received 2018-01-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: ACS Education Services (VA)

I have been attempting to log into my Conduent account (formerly ACS Education) online to repay the remaining balance on my loan but I have been unable to access my account or get in touch with a rep from Customer Service going on 2 months, and therefore have missed my last 2 loan payments I believe. I have been logging in using the exact same information and have not missed a payment in years, but for the last 2 months I receive the same automated message from the site when I attempt to log in, which is that the action I'm trying to complete is temporarily unavailable. "Temporarily unavailable" yet it has been over 2 months. When trying to contact Conduent customer service, the automated response says there's no account associated with my social security number, and therefore after multiple attempts I eventually get disconnected from the phone after the automated system fails to recognize my social security number. When I emailed customer service, they too said that they have no account associated with my social security number and said "Unfortunately, we are unable to locate an account for you in our records. Please be advised that your loan may have been transferred to be serviced by another loan servicing company." I've read numerous other complaints from people having the exact same issue. I eventually tried resetting my password on their site using the "forgot my password" option. After I received the temporary password I was able to log into the site, but once inside my account all it says is "No data found for specified SSN." So now it appears my account no longer exists, and I'm unable to repay the remaining balance on this loan, and I do not know who to contact to resolve this.
Consumer complaint received 2024-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-08-22
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. (TX)

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 Account Number : XXXX Account Name : SCC Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX and list of Inquiries. 

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 2018-01-03
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (MO)

I signed for my niece to lease a vehicle, and she was making the payments timely. She filed a legal restraining order against her child 's father and had to relocate within 30 days ( I can provide copies of all legal paperwork ). She fell behind on a payment and I was not aware. As soon as I heard about this ( through my credit reporting agency ) I contacted XXXX and brought the account current immediately. I received a significant credit hit as a result of this report. I contacted the credit bureaus and they advised XXXX XXXX could remove the late from my account under the extenuating circumstances. The account was just over 30 days late ( 3-4 days ). We would sincerely appreciate any consideration you can give us.
Consumer complaint received 2018-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Tax Lien still showing on my credit report. It 's been over 7 years. The tax lien was showing a property in another county that I have never lived in.
Consumer complaint received 2024-08-22
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. (GA)

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 number : XXXX, Account name : XXXX Bank has XXXX my rights. 
-Account number : XXXX, Account name : XXXX XXXX XXXX has XXXX my rights. 
-Account number : XXXX, Account XXXX : XXXX has XXXX my rights. 

I looked at my credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

In late XX/XX/year>, I submitted identity theft FTC report along with my identification front and back bank statement and FTC XXXX letter to XXXX XXXX and Equifax pertaining to account on my credit report with both agencies from XXXX that has late payments that do not belong to me. This has caused my credit score to plummet over XXXX points. I have asked that This be removed from both reports Equifax and XXXX XXXX. They have not done so this is incorrect information being reported I reached out to XXXX. They said they do not have an account in their system that says I had a {$92.00} balance and late payments. This seems to be just a big misunderstanding.
Consumer complaint received 2018-02-12
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. (GA)

OnXX/XX/XXXX I contacted XXXX @ the apartment complex I use to stay at names XXXX XXXX XXXX, she informed me that the complex name has changed I asked her about this alleged debt that is listed on my report and she stated that she has no idea that the files and 40 % of this business ( XXXX ) was purchased by a company called XXXX XXXX XXXX she then provided me with a new to XXXX which I spoke to a rep named XXXX. I asked XXXX about this alleged debt and wanting answers he proceed to say he has no idea about this debt and it was sold to a company called XXXX XXXX. I asked XXXX if my alleged debt was sold why am I being charged for something that was written off. He stated Im not  sure you need to contact XXXX XXXX for answers ( I have recorded calls ). On XX/XX/XXXXI contacted XXXX XXXX and spoke with an rep named XXXX XXXX I asked him about my alleged debt and he couldnt provide me with any information concerning this debt the only thing he stated was documents are being mailed to you today. I also contact XX/XX/XXXX, XX/XX/XXXX and Experian concerning this debt and I havent received a response!! This has been going on for 5 months are so.
Consumer complaint received 2024-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I am reaching out as a victim of a recent data breach that has led to identity theft, resulting in 
unauthorized accounts and inquiries appearing on my credit report. Pursuant to 15 USC 1681c2(a) and FCRA  605(b), I request the immediate blocking and deletion of the entries listed 
below.
Accounts and Inquiries to Be Blocked and Deleted:
 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 2018-02-12
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. (GA)

On XX/XX/XXXX I contacted XXXX @ the apartment complex I use to stay at names XXXX XXXX XXXX, she informed me that the complex name has changed I asked her about this alleged debt that is listed on my report and she stated that she has no idea that the files and 40 % of this business ( XXXX ) was purchased by a company called XXXX XXXX XXXX she then provided me with a new to XXXX which I spoke to a rep named XXXX. I asked XXXX about this alleged debt and wanting answers he proceed to say he has no idea about this debt and it was sold to a company called XXXX XXXX. I asked XXXX if my alleged debt was sold why am I being charged for something that was written off. He stated Im not sure you need to contact XXXX XXXX for answers ( I have recorded calls ). On XX/XX/XXXX I contacted XXXX XXXX and spoke with an rep named XXXX XXXX I asked him about my alleged debt and he couldnt provide me with any information concerning this debt the only thing he stated was documents are being mailed to you today. I also contact XXXX, TransUnion and XXXX concerning this debt and I havent received a response!! This has been going on for 5 months are so.
Consumer complaint received 2018-01-03
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. ()

Coinbase is an exchange for digital assets. As part of the registration process, they require a payment method to be verified by customer sending small verification amount to Coinbase bank account from the customer 's bank account. This amount is supposed to be added to the customer personal coinbase wallet in a few business days. Following the instructions, on XX/XX/XXXX I sent XXXX EUR with a SEPA transfer ( this is like XXXX in XXXX ) to their bank account with the exact verification code they provided - XXXX. That amount was never recognized or returned. I logged a Support Case ID : XXXX on XX/XX/XXXX and followed up regularly every 2 weeks to which their support either did not  respond or responded with irrelevant auto-generated text. I understand that they may have loads of support cases, but 2 months without even an initial response is a demonstration of either discrimination by country of origin or simply intentions for theft if small amount and expecting people to give up seeking the service. The problem is aggravated as they also collect personal information - national ID or Driving License and do not provide the unsatisfied customer a way to clear these up upon split-up
Consumer complaint received 2018-01-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

ON XX/XX/XXXX I MAILED A GOOD WILL LETTER TO ALL THREE CREDIT REPORTING AGENCIES, XXXX. XXXX AND TRANS UNION ABOUT MY BANKRUPTCY FILING OF A CHAPTER XXXX ON XX/XX/XXXX. THIS BANKRUPTCY WILL BE XXXX YEARS OLD IN XX/XX/XXXX. I WAS NOTIFYING THEM TO GET A RESPONSE ABOUT THIS MATTER BECAUSE I RECENTLY TRIED TO GET A INCREASE ON MY CREDIT CARD AND WAS DENIED BASED ON THAT BANKRUPTCY STATUS. I WANT TO KNOW WAS DO THAT HAVE TO HOLD THIS AGAINST ME AND THIS IS XX/XX/XXXX.
Consumer complaint received 2018-02-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (KS)

I received a notice in the mail onXX/XX/XXXX, sent from ACE Cash Express , Inc on XX/XX/XXXX, claiming I had " cashed the following check ( s ) identified at our place of business. However, upon the checks deposit and presentment, the financial institution refuse to honor payment. Since we have been unable to reach you, we request that you contact us promptly at XXXX XXXX XXXX XXXX XXXX to  resolve this matter. Failure to resolve this matter may result in additional actions. '' It's then listed check number XXXX, dated XX/XX/XXXX, maker listed as bill pay check multiple makers, for the amount of {$270.00} plus a fee of {$30.00}. 

Upon calling to inform them that I have never been to their establishment my entire life nor have I received a check in any form in the past 3 years and that there was no way that this could possibly be for me, I was then transferred to XXXX XXXX, the name listed on the notice. She seems confused over the error, and on three different occasions requested that I verify the last 4 digits of my social security number. She also claimed that all of the information including my address and my name were correct but it appeared my social security number might be off. At a different point she requested my full social security number and asked me to verify my middle initial. She then said that she was going to have to work with her manager to figure out what the problem was and would get back to me in 2 to 3 days. 

Return address on the envelope is XXXX. XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2017-04-18
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Medical Data Systems, Inc. (GA)

Medical Data systems, Inc is attempting to collect a debt that I do n't owe nor have I ever established a contract with this company. You purchased a debt from a company that claims that I owe them but by you obtaining the debt does not legally bind me to owe you anyting, furthermore they are in complete violation of HIPPA and FCRA law which is violation of the law
Consumer complaint received 2018-01-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc. (CA)

This is the second complaint filed with this company Procollect. I have faxed on XX/XX/18 notication of fruad/identify theft regarding collection on my credit reports. I am XXXX  and live on a fixed income and for this reason I would not authorize anyone using my personal information. I'm requesting deletion of this collection be removed from my credit reports. Please see attached.
Consumer complaint received 2018-01-03
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (GA)

I had a private loan through XXXX XXXX XXXX in which averaged a 2.8 % interest rate. A few months ago I was notified that Navient will be taking over the loan, and as that happened my interest rate began to increase gradually. My loan is now at an interest rate of 3.5 % and Im not sure when it will stop, as the loan interest increases every couple of months now that Navient has the loan. 

I also have federal student loans that I am convinced were taken out at the 3.5 % rate and Navient doubled most of them to the 6.5 % even though that was only supposed to be new loans after the XXXX bill wasnt renewed. I have no loan with them for less than 5.3 % interest rate and I know I had loans through XXXX XXXX for the 3.5 % but now that Navient took over those loans I cant access the records. I called in 2014 to request the information from Navient about how the loan interest changed when going from XXXX XXXX to Navient and they stated they had no access to that information.
Consumer complaint received 2018-01-03
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: DISCOVER BANK (OH)

I owe over {$1000.00} to my Discover Credit Card and currently can not pay. They were calling me multiple times a day, but almost never leaving messages. On XXXX XXXX at XXXX I received a call from them, followed by a voicemail. My husband was home from work that day and called me a few minutes later telling me he received a phone call from Discover, looking for me. This floored me. His phone number was never put into my account, I even double checked as soon as he told me about this. He received a call at XXXX ONE minute after they called me. The following day ( XXXX XXXX ) I called Discover and asked them whey they called my husband when I never had his number on my account. They told me was that my husband 's phone number was placed on the account the day before ( XXXX XXXX ) but my husband NEVER gave them permission to put his number on the account, and he told me that they never even asked his permission when they called. So just because he answered and verified he was my spouse, they took that as an okay to put his number onto the account?! I was then transferred to someone else, and told that they have a department that will search for other phone numbers to call and try and reach the person they need. I asked how this is okay and they could n't give me an answer. They just kept telling me that they have this department. How in the world is it LEGAL to search for someone else and call them without any permission? What if my husband and I had been separated or going through a divorce and he starts getting calls about MY CARD? Prior to making my phone call to them, I tried dealing with online support on XXXX XXXX and that was a train wreck as well, and they should really work on training their workers better. I am appalled by this and think it is WRONG that they A. call multiple times a day, and B. can just find other people 's phone numbers to harass you even more.
Consumer complaint received 2018-01-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (FL)

In XXXX 2017, I mailed XXXX XXXX in XXXX FL for debt validation, but instead company never sent information regarding debt that was requested in validation letter but I get a notification from XXXX that they refreshed debt saying the debt was opened in XXXX 2017 which is false.I disputed this collection all of 2017 but no response from the company.It was deleted by the major credit bureaus before but company re added debt but changed the opened date on the account to reage debt which is illegal
Consumer complaint received 2018-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

On XX/XX/XXXX I signed up for a " free '' credit check with Trans union because I had just found out my SSN had been stolen. Today on XX/XX/XXXX I was charged XXXX without my permission and when I tried to contact them I was speaking with someone in another country and she could not help me solve any of these problems.
Consumer complaint received 2018-01-03
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: SYNCHRONY FINANCIAL (PA)

XXXX 's client XXXX XXXX is an identity theft victim. His information was used without his consent to apply for a XXXX XXXX/XXXX XXXX XXXX. While the account was not obtained the fraudulent application left an inquiry on the XXXX credit report dated XX/XX/XXXX. Synchrony was notified of this fraudulent activty via phone with XXXX XXXX and an official dispute of this inquiry was sent to XXXX XXXX XX/XX/XXXX however a recent credit report from XXXX still has the fraudulent inquiry listed which is a violation of the FCRA.
Consumer complaint received 2018-01-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (MN)

Under the Home Affordable Modification Program HAMP- letter from CHASE Dated : XXXX XXXX.2017-about eligible for " incentive credit to principal with timely payments -This was never applied nor known to me- under program for Treasury incentives " for every year credit to be applied - up to {$1000.00} per/yr and a one time $ XXXX-this has not happened at all.