davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-22
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. (MI)

I am a victim of XXXX XXXX of Debt bondage and would like for all listed accounts to be blocked and deleted : XXXX {$0.00} XXXXRemove XXXX XXXX XXXXXXXX {$0.00} XXXX Remove XXXX  XXXX {$0.00} XXXX Remove XXXX XXXXXXXX {$0.00} XXXX Remove US Bank {$0.00} XXXX Remove XXXX XXXXXXXX {$0.00} XXXX Remove XXXX XXXX Remove inquiry XXXX XXXX XXXX XXXX Remove Inquiry XXXX XXXX XXXXXXXX Remove Inquiry XXXX XXXXXXXX Remove Inquiry
Consumer complaint received 2024-02-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (MD)

XX/XX/2023 - Received information I would be moving to repayment. I requested the XXXX  repayment plan and auto pay. The repayment plan went through, but auto pay never worked. 
XX/XX/2023 - Assumed auto pay would work. It did not, my account was marked late. When I sent messages as to why, I did not get a response for over 6 weeks. 
XX/XX/2023- Was told to be patient about auto pay. 
XX/XX/2023 - Received notice my auto pay was denied. When I logged into the account, it did have auto pay but my repayment plan was changed to an income driven repayment plan I did not request. I received several conflicting messages. When I attempted to change the plan back, I was directed to contact page. I sent several emails and chatted with several agents. Two of which closed the chat without providing information through an auto mated pop up that shut within 2 seconds before I could respond. The agent stated she does not know why and has no further information. Additionally, I was told that my account was in forbearance without any previous communication regarding this or reason why this was the case. Now my payment has doubled, my repayment is scheduled to " begin again '' on XX/XX/XXXX. I still have no answers or ways to change my repayment plan and no explanation as to why this has happened. I've spent hours attempting to untangle this.
Consumer complaint received 2023-11-20
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. (FL)

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.

has violated my rights. Or a 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 2024-11-19
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. (VA)

To Whom It May Concern, I am reaching out to report multiple inaccuracies on my credit report that the credit bureaus have failed to correct. These errors include addresses where I have never lived, outdated employment information, and name variations that do not accurately represent me. Furthermore, several inquiries appear on my report without my consent or knowledge. These inaccuracies are not only misleading but also violate my rights under the Fair Credit Reporting Act ( FCRA ), which mandates accurate and verified information. I have contacted the credit bureaus to rectify these issues, but no action has been taken. I am requesting the CFPB 's assistance in enforcing a thorough review to ensure these items are corrected, as they are affecting my credit reputation and potentially my ability to obtain necessary credit and employment. 
Thank you for your assistance in this urgent matter.NQUIRY - XXXX XXXXXXXX XXXX - XXXX INQUIRY - XXXX - XXXX INQUIRY - XXXX XXXX  XXXX NQUIRY - XXXX XXXX - XXXX INQUIRY - XXXX XXXX XXXXXXXX - XXXX INQUIRY - XXXX XXXX XXXX XXXX XXXX XXXXXXXX INQUIRY - XXXX XXXX XXXX XXXX XXXX  XXXX INQUIRY - XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX INQUIRY - XXXX XXXX XXXX XXXX - XXXX INQUIRY - XXXX XXXXXXXX XXXX XXXX  XXXX INQUIRY - XXXX XXXX XXXX XXXX  XXXX INQUIRY XXXX XXXX XXXX XXXX  XXXX INQUIRY - XXXX - XXXX INQUIRY - XXXX - XXXX INQUIRY - XXXX XXXX XXXXXXXX INQUIRY - XXXXXXXX XXXX XXXX XXXXXXXX INQUIRY - XXXX - XXXX INQUIRY - XXXX - XXXX INQUIRY XXXX XXXX XXXX XXXXXXXX INQUIRY - XXXX XXXX - XXXX INQUIRY - XXXX XXXXXXXX - XXXX INQUIRY - XXXX - XXXX INQUIRY - XXXX XXXX XXXX XXXXXXXX INQUIRY - XXXX XXXX - XXXX INQUIRY - XXXX XXXX XXXX XXXXXXXX INQUIRY - XXXX XXXX - XXXX INQUIRY - XXXX - XXXX INQUIRY - XXXX XXXXXXXX - XXXX INQUIRY - XXXX XXXX XXXX XXXX XXXXXXXX INQUIRY - XXXXXXXX XXXX XXXX XXXXXXXX INQUIRY - XXXX XXXX XXXX XXXXXXXX INQUIRY - XXXX XXXX XXXX XXXXXXXX INQUIRY - XXXX - XXXX
Consumer complaint received 2024-07-21
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)

as per the guidance from the consumer financial protection bureau the documents needed are identification, XXXX and letter from advocacy group helping me due to XXXX XXXX debt XXXX which falls under trafficking according to trafficking debt final rule XXXX ( b ) ( XXXX ) XXXX ( b ) ( XXXX ) i kindly request that you block this information from my credit report within XXXX business days pursuant to section XXXX of the fair credit reporting act i have giving you my identification as well as the information requested from the list off acceptable items which only XXXX are requested per the law i have provided all needed documents as well as a victim determination letter according to XXXX ( b ) ( XXXX )
Consumer complaint received 2024-07-21
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. (MS)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you block this information form my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Experian. Please delete the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX account # XXXX I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 

XXXX XXXX XXXXXXXX XXXX XXXXXXXX This account is incorrectly reporting that I have XXXX late payments. On my XXXX report there are XXXX late payments being reported. 

XXXX XXXX account # XXXX This account is incorrectly reporting that I have XXXX late payments. On my transunion report there are XXXX late payments being reported. 

XXXX account # XXXX I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account.
Consumer complaint received 2023-03-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2024-07-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: KLS Financial Services, Inc (NC)

This is to inform you that I've recently pulled my credit report and noticed that there's a collection from your agency on my credit report. I have never been notified of this collection. However, this letter does not imply that I refuse to pay this debt. Rather, I would like to dispute your claim. 

As per the FDCPA, I have the right to request a validation of this debt. I request you to prove that I am indeed the party who is by contract obligated to pay off this debt.
Consumer complaint received 2024-07-12
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

This company send me a courtesy check saying that I will be reimbursed for losses because of bank of America actions they withheld over thousands of my edd money and made uneceasry charges on my account. I logged in I sent screenshots of all the things requested it's been months I still have not been reimbursed or my case hasent even been seen by them when I track the progress. Now I'm reading there was a deadline witch I made and still no compensation. I also have had this account closed now and bofa still hasnt sent me the money left on account.
Consumer complaint received 2024-06-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (NC)

I have been trying to repay my daughter 's student loan which is now administered by ED Financial. Every time I've tried to submit a payment through their Auto Pay option the payment gets reversed. This has happened on four occasions. I have yet been unable to have a payment go through. Mean while my interest keeps accruing on the loan. This in fraud!!!!!
Consumer complaint received 2024-06-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: RICHLAND HOLDINGS, INC. (CA)

This debt does not belong to me infact, the name and socal security numbers are mine in any shape of form. Someone is using my credit profile. I have asked for verifiable information and informed them that I am a victim of identity theft
Consumer complaint received 2024-07-21
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. (MI)

I am a victim of XXXX XXXX of Debt bondage and would like for all listed accounts to be blocked and deleted from my credit report : XXXX XXXX {$0.00} XXXX Update to never late XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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)

I applied for a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  After finding out the XXXX  was going to costs over XXXX I immediately cancelled everything. I received all the refunds back to my credit cards except for the XXXX XXXX  I never attended. The XXXX  refuses to refund the money back to the lender and now it's on my credit report and Transunion will not provide me with any proof of it's validity that's on my credit.
Consumer complaint received 2024-09-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Tally Technologies (CA)

Tally a debt refinance company recently went out of business and sent a email stating my APR would be locked in and remain the same throughout the life of the loan. I was just informed by the company they transferred my debt to that it would skyrocket to 23 % APR. I can not afford this and think this is very irresponsible of this company. Many people can not afford this high of a APR. This feels like I got scammed into a company thinking they could help me but ended up getting told lies.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CL Holdings LLC (AR)

Account # XXXX AND # XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX, MN XXXX Type of disputed information : Credit Card Explanation of item being disputed : There are XXXX different account numbers showing up for the same account. XXXX account, I did not give permission for the creditor to share my personal information, that's illegal. Now, I have XXXX different companies, reporting at the same information on my credit report. XXXX Account number XXXX shows that I am current and the account other company is reporting charged off, with XXXX late payments. Account number # XXXX shows the account as a charge- off, on XXXX shows 120 days late with XXXX payment late, on XXXX it shows charged- off with 12 late payments. All different companies have different statues and inaccurate information on my credit report. 
I am asking for this account to be immediately off of my credit report. Please mail me a detailed letter when this account is deleted. 

I was under the assumption, if companies are reporting inaccurate information, they should be delete. The CFPB is here to force the companies to correct their wrongs false information. Not just keep on changing information every time they get a report.
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDOFED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I purchased an approximately {$700.00} bed frame from XXXX on XX/XX/year>. On XX/XX/year> I received it, but it was missing several key pieces needed to complete the assembly and was non functional. I attempted to work with XXXX for about two weeks to get a refund, return, or the missing pieces but XXXX refused. As such, I disposed of the bedframe and opened a dispute through mastercard. I was never told that I would need to keep the merchandise. 

XXXX only reached out to me once they received notification of the dispute in late XXXX, several months after the purchase. They did offer a return at this time, but again this was months later and I no longer had the bed frame. Mastercard never told me I would need to keep it and I can not reasonably be expected to keep a broken kingsized bedframe around for 3+ months after the merchant refused a return. 

Mastercard has not reversed the charge despite me receiving nonfunctional merchandise and the merchant not fixing it.
Consumer complaint received 2024-11-19
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. (IL)

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.

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 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (GA)

On or about XXXX of 2023 I tendered payment in full for the alleged automobile installment contract. Since that time Credit Acceptance Corporation has and still is reporting to XXXX, XXXX and XXXX as an auto loan. There are errors that Credit Acceptance Corporation intentionally misreported to my credit report that need to be deleted as well as errors in the instrument used to support the alleged debt. First, there was a down payment when a finance charge was present. 15 USC 1605a, " the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. '' Please see attached. Secondly, I sent the properly endorsed order to pay negotiable instrument attached. It states it " secures payment of all that I owe '' as per the Additional Terms and Conditions subsection Security Interest to settle any obligation. Next 18 U.S. Code 8 states that all obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps. '' This agreement represent an certificate of indebtedness and a certificate of deposit when it is properly endorsed so any debt in this agreement has been paid. Please remove any and all inaccuracies based on these facts.
Consumer complaint received 2024-10-11
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. (MD)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (AL)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by two parties, and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make these unfair practices. According to the FDCPA Im entitled to 1,000 dollars per violation and clearly, they violated my rights.
Consumer complaint received 2024-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.
Consumer complaint received 2024-11-20
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. (MS)

credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.