davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-06
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Creditor Name XXXX XXXX XXXX Discover Bank XXXX XXXX XXXX XXXX Subject : Request for Removal of Charge-Offs and Collection Accounts Dear Consumer Financial Protection Bureau I am writing to formally request the removal of charge-offs and/or collection accounts from my credit report. Upon reviewing my credit report, I noticed that the following accounts are negatively impacting my credit score : - Account Name : XXXX XXXX XXXX - Account Number : XXXX - Date Opened/Charged Off/Collection Date : XXXX XXXX - Amount -Account Name : Discover Bank -Account Number : XXXX -Date Opened/ XXXXCharged Off/ XX/XX/XXXX Collection XX/XX/XXXX -Amount : {$3400.00} -Account Name : XXXX XXXX -Account Number : XXXX -Date Opened/ XX/XX/XXXX Charge Off/Collection XX/XX/XXXX -Amount : {$1400.00} -Account Name : XXXX XXXX -Account Number:XXXX -Date Opened XX/XX/XXXX /Charge Off/Collection XX/XX/XXXX -Amount : {$2000.00} I understand that I have a financial obligation to resolve these accounts and have taken steps toward rectifying my financial situation. I would like to respectfully request that you consider removing the negative entries associated with these accounts, as I am committed to improving my credit standing.

If these debts have been settled or can be resolved through a payment agreement, I am open to discussing options for resolution. Additionally, under the Fair Credit Reporting Act ( FCRA ), I have the right to request an investigation to verify the accuracy of the negative information. If the information can not be verified or is inaccurate, I kindly request that you remove it from my credit report.

I have attached a copy of my credit report with the accounts in question highlighted, as well as any relevant documentation for your reference. I appreciate your time and attention to this matter and look forward to your response.

Thank you for your consideration. Please feel free to contact me at [ Your Phone Number ] or XXXX XXXXfor any further information. 

Sincerely, XXXX XXXX XXXX -- - You can send this letter to the credit bureaus ( XXXX, XXXX, and XXXX ) or directly to the creditors who reported the charge-offs or collection accounts. Be sure to include any supporting documentation, such as proof of payment or settlement, if applicable.
Consumer complaint received 2024-10-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (IL)

My student loan servicer, Aidvantage, is not properly counting my years of student loan payment and has incorrectly extended my student loan forgiveness date from 25 years ( XX/XX/XXXX ) to nearly 27 years ( XX/XX/XXXX ) when I am eligible for discharge/complete loan forgiveness this year, in XXXX of XXXX. I completed my last professional degree in XXXX of XXXX. My loans went into repayment on XX/XX/XXXX. As of XX/XX/XXXX, I've been in repayment on my student loan for 24 years and 10 months. I've paid down more than XXXX percent of the loan over this period. 

Apparently, Aidvantage is still excluding the COVID-19 forbearance period and possibly other qualifyin

g periods towards my loan even though I qualify. Aidvantage should be treating the months that my loan was in forbearance during the COVID-19 pandemic as if I made qualifying payments. They are not doing this.

Currently, I'm on the Income Contingent Repayment ( ICR ) plan, one of several Income-Driven Repayment ( IDR ) plans. For nearly 25 years, I've taken out a second mortgage to pay off the majority of my student loans, consolidated the loans, and transferred to different payment plans to take advantage of forgiveness options. Now, I'm at the finish line next month, Aidvantage is trying to extend my loan which I've significantly paid down into two more years -- to XXXX, which is far beyond its forgiveness date of XX/XX/XXXX. This is particularly concerning with current legal actions impacting student loans and the possibility of more extreme measures in the coming months, such as executive, judicial, and legislative actions to repeal these student loan forgiveness programs. Timely application of payment counts is extremely important.

I want Aidvantage to promptly add the proper payment counts, including the COVID-19 forbearance counts, to my student loan which I've been paying on for 24 years and 10 months and set my loan forgiveness date to the proper date, XX/XX/XXXX or earlier.
Consumer complaint received 2024-11-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have disputed the inclusion of several inaccurate and fraudulent addresses on my credit report with TransUnion three times over the past year. Despite my repeated efforts, these addresses remain on my report. 

The incorrect addresses are : 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 These addresses are not mine and have no connection to my identity or financial accounts. My only valid address is XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 

I have contacted TransUnion multiple times, requesting an investigation and removal of these inaccuracies under the Fair Credit Reporting Act ( FCRA ). However, TransUnion has failed to correct my report, in violation of 15 U.S.C. 1681i and 15 U.S.C. 1681e ( b ). These errors put me at risk for identity theft, fraud, and other financial harm, especially given the increase in data breaches. 

I request the CFPB to intervene and require TransUnion to remove these incorrect addresses and provide a resolution promptly.
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

I am a victim of human trafficking of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Consumer complaint received 2024-08-23
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. (FL)

I am writing to dispute the accuracy of the charge off account listed on my credit report. According to the Fair Credit Reporting Act ( 15 USC 611 ), I have the right to request that inaccurate or outdated information be removed from my credit report. 
Account Information : Creditor Name : XXXX XXXX Account Number : XXXX Date of Charge Off : XX/XX/2022 Amount : {$1000.00} I believe that this charge off account is inaccurate because settled and does not match XXXX or XXXX XXXX am requesting that this charge off account be investigated and removed from my credit report in accordance with the Fair Credit Reporting Act. Please provide me with a written explanation of the results of your investigation and any actions taken to correct the inaccurate information.
Consumer complaint received 2024-08-23
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. (FL)

I am writing to dispute the accuracy of the charge off account listed on my credit report. According to the Fair Credit Reporting Act ( XXXX XXXX XXXX ), I have the right to request that inaccurate or outdated information be removed from my credit report. 
Account Information : Creditor Name : XXXX XXXX Account Number : XXXX Date of Charge Off : XX/XX/2022 Amount : {$1000.00} I believe that this charge off account is inaccurate because settled and does not match XXXX or XXXX I am requesting that this charge off account be investigated and removed from my credit report in accordance with the Fair Credit Reporting Act. Please provide me with a written explanation of the results of your investigation and any actions taken to correct the inaccurate information.
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: 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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IN)

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXXXXXX Balance : {$160.00} XXXX XXXX  XXXX XX/XX/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 XXXXXX/XX/XXXX
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

I am XXXX XXXX XXXX, and XXXX submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX  Date of Inquiry : XX/XX/XXXX Account name : XXXX XXXX  Date of Inquiry : XX/XX/XXXX Account name : XXXX  Date of Inquiry : XX/XX/XXXX Account name : XXXX XXXX Date of Inquiry : XX/XX/XXXX Account name : XXXX Date of Inquiry : XX/XX/XXXX Account name : XXXX Date of Inquiry : XX/XX/XXXX Account name : XXXX  Date of Inquiry : XX/XX/XXXX Account name : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Account name : XXXX  Date of Inquiry : XX/XX/XXXX Account name : XXXX  Date of Inquiry : XX/XX/XXXX Account name : XXXX XXXX Date of Inquiry : XX/XX/XXXX Account name : XXXX  Date of Inquiry : XX/XX/XXXX
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX  XXXX Balance : {$4000.00} XXXX XXXX XX/XX/year> XXXX XXXX  XXXX XX/XX/year> XXXX  XXXX XX/XX/year> XXXX XXXX  XX/XX/year> XXXX XXXX  XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX  XX/XX/year>
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

I reviewed my XXXX XXXX Experian credit report dated XX/XX/XXXX, and identified several inaccuracies that require rectification. This letter serves as a formal dispute under the Fair Credit Reporting Act, specifically 15 USC 1681 ( e ) ( b ). 
Consumer Information Consumer Name : XXXX XXXX XXXX XXXX Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXX Correct Address : XXXX XXXX XXXX, XXXX, PA XXXX Accounts to be Disputed : XXXX XXXX, XXXX Account Number : XXXX Account Status : Charge Off Open Date : XX/XX/XXXX Last Activity : XX/XX/XXXX Type : Charge Account Reason for Dispute : This account is inaccurately reported as a charge-off and should be removed. 
XXXX XXXX XXXX  Account Number : XXXX Account Status : Closed Open Date : XX/XX/XXXX Last Activity : XX/XX/XXXX Type : Secured Responsibility : Individual Reason for Dispute : This account is inaccurately reported as closed and should be removed. 
XXXX  Account Number : XXXX Account Status : Closed Open Date : XX/XX/XXXX Last Activity : XX/XX/XXXX Type : Check Credit or Line of Credit Responsibility : Individual Reason for Dispute : This account is inaccurately reported as closed and should be removed. 
Address Correction Please remove the following incorrect address from my credit report : Address to Remove : XXXX XXXX XXXX, XXXX XXXX, PA, XXXX & XXXX XXXX XXXX, XXXX XXXX, PA, XXXX Please update my address to : Correct Name & Address : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, PA XXXX
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have reached out to Transunion and now I am writing to dispute several items on my credit report that I believe are inaccurate and incomplete.I am asserting my rights under the Fair Credit Reporting Act ( FCRA ) to ensure that my credit report is accurate, fair, and substantiated. It is imperative that the information contained in my credit report adheres to the Metro2 standards, which mandate accuracy and completeness.According to Metro2 guidelines, I expect the investigation to be completed within 30 days of receipt of this. Please inform me of any actions taken and provide an updated copy of my credit report reflecting the necessary corrections. As per the guidelines outlined in the Metro2 Format, I am requesting a thorough investigation into the following inaccurate items on my credit report : XXXX. XXXX XXXX {$31.00} over credit limit XXXX XXXX XXXX XXXX  - reported {$5.00} over credit limit XXXX reported {$60.00} over credit limit XXXXXXXX XXXX XXXX Acct # ending XXXX reported 30 days past due XXXXXXXX XXXX XXXX XXXX XXXX XXXX # ending XXXX reported 30 days past due XXXX XXXX XXXX  XXXX # ending XXXX reported 30 days past due XXXX XXXXXXXX XXXX  reported {$72.00} over credit limit.
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2024-08-23
Product: Credit reporting 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. (FL)

Hi TransUnion, I just received a copy of my credit report and I found those fraud inquiries that shall delete from my credit report. I don't know what is going about those thief getting access to my credit report information. 

XXXX XXXX, inquiry date : XX/XX/scrub>XXXX XXXX XXXX XXXX inquiry date : XX/XX/scrub>XXXX XXXX XXXX XXXX inquiry date : XXXX XXXX XXXX XXXX, inquiry date : XX/XX/year> XXXX XXXX, inquiry date : XX/XX/year> XXXX / XXXX XXXX XXXX, inquiry date : XX/XX/year> XXXX XXXX, inquiry date : XX/XX/year> XXXX  XXXX, inquiry date : XX/XX/year>
Consumer complaint received 2024-08-23
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. (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. 

- AXXXX 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 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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I am writing to dispute the late payment reported on my credit report. The late payment listed is inaccurate as I have consistently made payments on time. In compliance to 15 U.S. Code 1681e 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. 

Your agency is in violation! 
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 2024-08-23
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. (SC)

I am a victim of human trafficking of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I've made repeated efforts to correct the fraudulent, inaccurate, and misleading information on my consumer report, but the problem persists. These erroneous entries have had a severe impact on my life, generating substantial stress and worry. I must emphasize that I never authorized this information to be linked to my identity, as I am a victim of identity theft.
Consumer complaint received 2024-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my XXXX XXXX. These errors are not a true reflection of my credit history, and I believe they XXXX have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my XXXX XXXX, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.