davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-27
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. (TX)

This is the several times I've complained about being a victim of identity theft. You must remove/block these items that were opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX 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 XXXXXXXX Balance : {$17000.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$6500.00}, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$4500.00}, ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2500.00}, XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-06-27
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. (TX)

This is the several times I've complained about being a victim of identity theft. You must remove/block these items that were opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$17000.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$6500.00}, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$4500.00}, ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2500.00}, XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NM)

I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS
Consumer complaint received 2023-06-27
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)

I am writing to file a formal complaint against TransUnion regarding the reporting practices of XXXX XXXX, specifically pertaining to the late payments on my XXXXXXXX XXXX XXXX for the months of XXXX and XX/XX/XXXX as well as XXXXXXXX XXXX  XXXX. The Payments are still reporting late. These late payments have had a detrimental impact on my credit score and financial reputation, which I believe to be a direct violation of my rights as a consumer. 

On XX/XX/XXXX, I sent a certified mail request ( Certified Mail Number : XXXX XXXX XXXX XXXX XXXX ) to XXXX XXXX, expressing my strong dissatisfaction with the late payments reported on my credit profile. As outlined in my correspondence, these late payments are in clear violation of 15 U.S. Code 1666b - Timing of payments, which states that a creditor may not treat a payment on a credit card account as late unless reasonable procedures are in place to ensure timely delivery of the periodic statements. 

XXXX XXXX failed to adopt the necessary procedures to ensure the timely delivery of my statements. Consequently, I was unfairly burdened with the late payments in question, which were not my fault and should not have occurred. 

Additionally, I would like to bring to your attention that the original contract, which identified XXXX XXXX XXXX as the creditor, was rescinded on XX/XX/XXXX. This further adds to my concern regarding the accuracy and validity of the reported late payments by XXXX XXXX. 

Furthermore, on XX/XX/XXXX, I sent another certified mail request ( Certified Mail Number : XXXX XXXX XXXX XXXX XXXX ) directly to XXXX XXXX, invoking my rights pursuant to 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information and The Privacy Act of 1974. In this letter, I explicitly requested that my personal information not be shared with any third parties, including TransUnion and other credit reporting agencies.

I expect my privacy rights to be respected, and my personal information should not be shared without my consent. It is imperative that TransUnion complies with the Fair Credit Reporting Act ( FCRA ) and the Privacy Act Of 1974 by ensuring the accuracy and up-to-date information within my credit report. 

I kindly request that the Consumer Financial Protection Bureau thoroughly investigates this matter and takes appropriate action against TransUnion for their role in the inaccurate reporting of late payments and potential violation of my privacy rights. 

Thank you for your attention to this matter. I look forward to a prompt resolution and the rectification of the errors in my credit report.
Consumer complaint received 2023-06-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (ME)

I have Direct federal student loans with EdFinancial and have run into several issues relating to the transfer of their loans to a new servicing system ( specifically relating to payment history and information on interest rates ). If I didnt work in the consumer advocate field, I probably would have thought that registering for a new account was a scam. It seems bizarre that Edfinancial can not migrate over its own information to their new system, and instead need users to register for entirely new accounts. I think this will be a huge issue for people when student loan repayment starts. 

Here is a timeline of events/description of issues : 1. I received an email on XX/XX/XXXX stating that effective XX/XX/XXXX, my loans would be moving to a new student loan servicing system and that two weeks after transfer begins, I would need to register for a new online account. 
1. Im pretty sure this email came after my account balance on their old system went to {$0.00}. It was very confusing to log into the old system and see " {$0.00} '' as my loan balance. 
2. Between that email and registering for my new account, at various times I was still able to log into my old EdFinancial account, which continued to show my loan balance at {$0.00}. 
3. On XX/XX/XXXX I registered for a new account. It appears that my loans have been transferred. However, there's no information about a loan that I paid off in XXXX. 
4. Concerningly, this new interface only shows the loan disbursements under " Account History '' and " Loan Details. '' It does not show any payment history. I have made many payments since XXXX that are not appearing on this new interface. 
5. The new interface also does not seem to show my loan interest rates- it just shows 0 % for every loan because of the payment pause. This is frustrating because I am in a position to make payments during the payment pause, and want to apply those payments to the higher interest loans. I also need this information in order to apply for loan repayment assistance with my XXXX school. 

EdFinancial needs to make loan payment history available on their new interface, as well as include information about the normal loan interest rates. Consumers should not have to make individual requests for basic information about their accounts. I need this information to make payments on my account and apply for loan repayment assistance.
Consumer complaint received 2023-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-06-27
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. (MA)

I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint not handled accordingly. Cause " you know guys, I have not been able to purchase my dream house and provide for my family needs due to these inaccurate and fraudulent items showing on my consumer report. I attached a letter I previously sent together with FTC.
Consumer complaint received 2023-06-26
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. (TX)

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 2023-06-26
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: EQUIFAX, INC. (NC)

FILED WITH XXXX, XXXX, AND EQUIFAX AN IDENTITY THEFT REPORT ON XX/XX/2023, AS WELL AS, FTC REPORT. ALSO, PLACED FREEZE ON CREDIT ID AND FRAUD ALERT WITH XXXX XXXX XXXX XXXX 

FRAUD INCLUDES XXXXXXXX XXXX XXXX XXXXOR {$40000.00} ; ADDRESS REPORTED IN 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 XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-26
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. (PA)

My name is XXXX 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 2023-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-06-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I ordered a copy of my reportand I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-10
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Recovery Management Solutions LLC (NY)

Debt collector, RMS LLC have been calling me repeatedly, harassing me and leaving messages by XXXX XXXX saying he is trying to resolve a matter with me. The following are the dates and times they called : XX/XX/23 at XXXX XXXX XX/XX/23 at XXXXXXXX XXXX XXXXXX/XX/23 at XXXX XXXX XXXXXX/XX/23 at XXXX XXXX, and XX/XX/23 at XXXX XXXX. They are attempting to collect a debt that I do not owe.
Consumer complaint received 2023-06-27
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. (OK)

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. 

I told the Experian, XXXX, and XXXX to reinvestigate these personal information!! i only have 1 name 1 address etc. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

1

5 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 2023-06-27
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: EQUIFAX, INC. (FL)

I was going through a hardship, I am now back on feet and trying to buy a house. In the mix of these I wanted to begin to fix my credit. While reviewing my credit reports I cam across quite a few inaccuracies being reported. According to 15 U.S.C & 1681 law there should not be any damages being reported and this is a defamation to my character. Remove all fraudulent accounts immediately. 

After reviewing my credit profile on XX/XX/2023 I identified a discrepancy with account several accounts and validation was requested as these are accounts not recognized. I reviewed my credit again on XXXXXXXX  and the accounts continues to reflect on my credit report and I have not received any correspondence from the creditors to validate these accounts as correctly belonging to me, nor has my credit report been updated to reflect that these accounts are being disputed and therefore a 2nd validation letter was sent out on this day. After reviewing credit report again on XX/XX/2023 there have been no updates and the accounts are still reflecting on the report. I do not believe the account belongs to me nor do I believe that the creditors has authorization to access the accounts nor authorization to attempt to collect on these accounts and the accounts continues to negatively affect me. Please strike and remove these accounts from all 3 credit bureaus until adequate validation has been received proving that the accounts belongs to me and all information is correct.
Consumer complaint received 2023-06-27
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: EQUIFAX, INC. (TX)

XXXX XXXX XXXX and Equifax fail to provide debt validation, upon reinvestigation debt came back verified again according to Engelhardt V. Gravens ( mo ) 281 SW 715.719.1 I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists in which i was not provided any evidence which means no factual investigation took place Pursuant to 18 usc 8, I owe no debt, this company is violating my consumer right to privacy pursuant to 15 us 1681 b 2 company has also No permission to report anything using my info pursuant to 15 usc 1681 4
Consumer complaint received 2023-06-27
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: EQUIFAX, INC. (NY)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX 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.
Consumer complaint received 2019-03-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

On XX/XX/XXXX, I discovered that a Bill Pay payment in the amount of {$1300.00} was debited from my checking account for a second time. The first payment to XXXX was debited on XX/XX/XXXX as scheduled. The next payment should not have been debited until XX/XX/XXXX. As a result my checking account was resulted in an overdraft in the amount of {$750.00}. All payments that were scheduled to my creditors for XX/XX/XXXX were returned. In addition, Bank of America charged me for each returned payment and my creditors also charged returned payment and late fee. After spending a significant amount of time on the phone with various departments ( I.e. customer service, bill pay, consumer disputes ) and XXXX, I was informed that the payment to XXXX could not be reversed. However Bank of America representative informed me that they would credit the insufficient fund fees, and subsequent fees [ until my next payroll deposit ] would not be charged. Unfortunately the Bank did charge additional fees, which totaled {$240.00}. 
On XX/XX/XXXX I contacted the Bank regarding the additional fees. After spending 2 1/2 on the phone with Customer Service and Bill Pay, they acknowledged that my account had been noted that additional fees would not be charged. However, their computer system would not allow them to provide additional credit beyond what was given on XX/XX/XXXX. This is the second time this issue has occurred. The first time was on XX/XX/XXXX. At that time I contacted both the Customer Service Department and the Bill Pay Department at Bank of America. Subsequently the representative informed me that the payment could not be stopped. However she walked me through the process of checking my scheduled bill pay and helped me to make sure that all of the dates were correct going forward. For this reason, I was sure that my mortgage payments would be debited from my account on the XXXX of each month or the last business day if the XXXX were to fall on a weekend or holiday. Nonetheless, this was not the case since the same issue happened again. 
In view of the fact that on XX/XX/XXXX the Bank stated and noted my account that I would not be charged additional fees, they should honor their agreement. Payments to creditors that were scheduled to process on XX/XX/XXXX were returned by Bank of America on XX/XX/XXXX and additional overdraft fees charged to my account on XX/XX/XXXX and XXXX for a total of {$240.00}. If the bank did not send an additional mortgage payment from my account, these payments would have been paid. As a result of the banks error I also incurred return payment fees and late fees from my creditors. 
I made one final attempt on Thursday, XX/XX/XXXX to speak with a Bank of America representative to see if the bank would return the fees. At that time I was informed that all relative fees had been credited and they would not refund the additional fees that were charged.
Consumer complaint received 2023-06-27
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: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

Upon receiving my credit report I noticed some accounts that I didn't recognized and I made a police report and notified the companies. I asked via USPS on several occasions requesting validation of the debt that shows that I am indeed the correct person that opened the accounts. I have not received anything that I've requested. I know my rights and this is a direct violation of the FDCPA Guidelines. I want the items validated or removed immediately as this is causing me distress and it is interfering with my life goals to obtain a home for my daughter and I. 

Before contacting an attorney for legal advise I wanted to contact your agency for guidance.