davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: TRANSWORLD SYSTEMS INC (NJ)

I have been attempting to get a partial cancelation for my XXXX loan through University Accounting Services ( UAS ). 

In XXXX of XXXX, I first learned about the partial cancelation program through the University of XXXX XXXX , where this loan was first issued. At this time, I mailed the correct documents to UAS using the form and address provided by their website. 

A year later ( XXXX XXXX ), I still had not received any information regarding partial cancelation. My payments also resumed, despite the fact that the partial cancelation also allows me to apply for a deferment of payments while I am working in a XXXX XXXX XXXX. At this time, I contacted UAS again and was told I mailed the documents to the wrong address. I was provided a new address by the UAS representative. The address I was given was also listed on the partial cancelation form, which is found on the UAS website. I sent my documents again, this time using USPS certified mail. 

When I noticed my form had still not been delivered, I contacted UAS on XX/XX/XXXX. When I spoke to the representative, I was told that the address was wrong and I should have mailed it to an address in Delaware. I was assured by the representative that my form would be forwarded to the Delaware address. During this call, I also asked if I could submit paperwork for previous employment since I had qualifying employment prior to learning about the partial cancelation. I was not given a straight answer. 

On XX/XX/XXXX, I received an email from UAS employee XXXX XXXX who informed me that " your cancelation documents will be forwarded to the new UAS mailing address. '' However, on XX/XX/XXXX, I received my cancelation form back at my home address. On the envelop, the " Return to Sender '' label was dated on XX/XX/XXXX, the date XXXX emailed me. 

As of XX/XX/XXXX, the partial cancelation form on the UAS website still lists the incorrect Texas address. 

This process has been ongoing for over a year now.
Consumer complaint received 2023-04-27
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: Experian Information Solutions Inc. (IL)

This is my formal complaint to EXPERIAN for taking no actions on correcting and removing the fraudulent accounts that are still reflecting on my credit report and continue to damage my reputation. I sent out dispute letter to them last XXXX XXXX XXXX but until this time no further action I been taken. I have attached my FTC report with the report number XXXX. I was expecting that they will be reporting accurate information on my file but it seems they are not.
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC (NV)

XX/XX/year> I received a letter from bank. Bank used part of name in signature of XXXX to forge a letter to customer citing an invalid credit file from staff improper use of credit report. I'm from XXXX so company used part of the XXXX XXXX shape of signature to perceive XXXX translated letter from artificial intelligence of a XXXX writer that has a federation XXXX name that's is not of star spangled banner with forbidden accents in reading name left from right is improperly using customer name of consumer report without full spelling to produce XXXX XXXX without a clear XXXX  person of XXXX ; than they keep applying unauthorized accents to name ( customers inner voice ) indicated with abbreviation applied for service of open credit account. Bank is stealing customers arms of the republic to portray a member of the workforce and deny customer account services from applying accents to customer name out of signature of XXXX designate XXXX by social security number. Bank staff did not use correct association XXXX XXXX XXXX in wiring due from artificial intelligence translator unable to recognize birth-given name and company provided response from translator without considering customer 's open credit account of grandfather XXXX I gave company website social security number and staff is not a competent XXXX person from XXXX and is a XXXX XXXX  person acting in hate to clear XXXX people of the republic for their XXXX ancient XXXX  society Using citizens own arms against citizen than acting as if my inner voice doesnt have a given name.The XXXX XXXX people of XXXX keep denying grandfather XXXX account of XXXX. They keep trying to rename my inner voice that's indivisible of the XXXX flag from grandfather XXXX XXXX that's called open credit account. I have not received account services since providing social security number to web page that Is just a piece of paper of all of my stuff. In the united states a name is a man 's innervoice. You don't know me. I am from the dark ages. I keep getting challenged by XXXX accents of XXXX that's not registered with XXXX XXXX XXXX XXXX  XXXX I have a rich and powerful name of grandfather XXXX & staff refuses to use credit report properly.
Consumer complaint received 2023-10-01
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. (NY)

I have pdf all papers from every negative account on my credit report neither XXXX, Experian, and XXXX has not answered my letters and disputes, when I have sent confirmation from all these companies and Police reports stating unauthorized use and proves I'm the victim! 
This is my 8th letter of disputed circumstances and confirmations that are not being investigated, because these letters are confirmation from each company that they agree to be removed!! 
I want to sue these XXXX major credit reporting agencies because! 
15 USC 1681 STATES MY RIGHTS 15 USC 1681 STATES WRITTEN CONSENT 15 1666 B STATES NO LATE PAYMENTS I want all accounts removed!!
Consumer complaint received 2024-07-15
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. (GA)

Account was Fraudulently opened using my identifying information without my consent. XXXX XXXX no longer has a business relationship with XXXX XXXX XXXX. And XXXX XXXX XXXX  continues to report this fraudulent account on my credit report.
Consumer complaint received 2024-07-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WELLS FARGO & COMPANY (CO)

XXXX. Our home was incorrectly assessed by the county as being worth $ XXXX in XXXX. 
XXXX. The county has since corrected the assessment to be $ XXXX as of XX/XX/XXXX. The reduced taxes due from around {$8000.00} to around {$6500.00}. 
XXXX. We informed Wells Fargo of this in XX/XX/XXXX and spoke with XXXX. We sent them the amended tax return the same day. 
XXXX. Wells Fargo overpaid our taxes based on the original amount. 
XXXX. We spoke with XXXX at Wells Fargo on XX/XX/XXXX and she said we would get a refund around XX/XX/XXXX. 
XXXX. We called the county on XX/XX/XXXX and spoke with the supervisor XXXX. XXXX said the county never received the extra amount- they only received {$6500.00}. However, XXXX said that XXXX XXXX, a service provider to Wells Fargo, had the money. 
XXXX. We called Wells Fargo and spoke with XXXX and XXXX XXXX on XX/XX/XXXX who said the county has the money. Both statements XXXX and XXXX can not be correct. XXXX said he would escalate to his supervisor and we should have received a phone call within 24 hours, which we have not. 

We think that Wells Fargo XXXX XXXX XXXX have our {$1600.00} in overpaid tax funds and are earning interest on this instead of placing this back in our escrow account. They say our money is with the county, the county denies this, and I trust the county more than Wells Fargo and XXXX XXXX. Where is our money?
Consumer complaint received 2024-07-21
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: TRUIST FINANCIAL CORPORATION (FL)

XX/XX/year> Truist had an inquiry on my report that I did not request. I submitted a dispute to have the inquiry removed on XXXX. XXXX. XXXX and on XXXX I have not heard back as the result of this inquiry.
Consumer complaint received 2023-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have 4 open disputes on derogatory reports filed by XXXX XXXX XXXX , on my student loans. There is one payment due monthly to XXXX, the loan servicer, but there are apparently 4 separate accounts. 
I submitted a payment on XX/XX/2023 in my time zone ( PST ) prior to XXXX PST, bringing me less than 60 days past due but was incorrectly reported to the credit reports as 60 days past due on my 4 accounts with them. 
I am a California resident, and on my email payment confirmation, included with this correspondence, there is an asterisk that states ( boldened and underline added ) : * For California Residents, payments received on or before XXXX Pacific on your payment due date will be made effective the date on which the payment is received. 
Therefore, the XX/XX/2023, payment made before XXXX Pacific should have been made effective on XX/XX/2023, and the account was not 60 days past due as reported to the credit bureaus. I request all 4 derogatory marks be deleted from my credit report.
Consumer complaint received 2024-08-04
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. (CA)

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency XXXX XXXX credit reporting agency , and XXXX credit XXXX agency to block information appearing on my consumer credit report that is tho result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card accounts opened at XXXX BANK in XX/XX/XXXX, XXXX in XX/XX/XXXX, XXXX XXXX in XX/XX/XXXX, XXXX in XX/XX/XXXX, and XXXX in XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-06-18
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. (LA)

The original source documents were requested for verication through physical validation, however Experian and XXXX XXXX failed to provide any such proof. This account is being reported fraudulently and in violation of FCRA, FTC, and the Sherman Act of 1890. The original creditor has failed to perform and continues reporting in error through misleading and deceptive practices. Section 5 of the Federal Trade Commission Act ( FCT ACT ) ( 15 U.S.C. Section 45 ) strictly prohibits unfair, deceptive, false, and misleading acts or practices, representations, and omissions that mislead or are likely to mislead the consumer, and that are material in or affecting commerce to include dealers, banks, servicer 's and or depositors. XXXX XXXX has failed to provide proof that the account is not an investment, or futures security thereby constituting a Trust Agreement and is not a contract. XXXX XXXXXXXX XXXX failure to perform violates the Sherman Antitrust Act of 1890 which is punishable by criminal offense.
Consumer complaint received 2024-06-13
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: Experian Information Solutions Inc. (CA)

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS.

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-13
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: Experian Information Solutions Inc. (FL)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-06-09
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. (NC)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts : XXXX XXXX XXXX Balance {$2.00}, XXXX XXXX XXXX  Balance {$0.00}, XXXX XXXX XXXX  Balance {$250.00}
Consumer complaint received 2024-06-13
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. (FL)

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation. 

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX ( C.D.Cal. XXXX XXXX ), you may be liable for your willful non-compliance.
Consumer complaint received 2024-06-13
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: Experian Information Solutions Inc. (CA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-06-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (MD)

First of all, I am one of many people who's accounts ended up being flagged as delinquent while MOHELA was transitioning their online platform and I wasn't able to sign in to make payments. So that was annoying at the very least and at most... seemed intentionally scummy. 

When I finally did get logged in, the first thing I did was set up auto pay. But then, a few days later, i got an email about my " cascading delinquency '' and then I got several emails about how my " Participation in auto pay had been removed. '' So after much panic and speaking on the phone to customer service, I set up auto pay again. and it was confirmed by that representative that I had done it correctly. 

Then, yesterday ( the day my payment was due ), I kept a weather eye on my email inbox for confirmation that my auto payment had been received. After waiting all day and seeing no update, I logged to my account today ( one day after due date ) and what to my wondering eye should appear, but an account update that stated that MY ACCOUNT IS PAST DUE. And Auto Pay was STILL SET UP! 

So now I've decided that Mohela can not be trusted to handle payments correctly. I will now be manually sending payments to them each month I guess. I'm very annoyed. I'm also worried about what this mean when I try to transition my account to an Income Based Repayment Plan, something they told me would " take 30-90 days '' for them to process even thought they could see my completed application on their end. I will commit myself to hounding them about that as well I guess. 

In short, if 2 class action lawsuits weren't enough of a red flag, MOHELA is NOT to be trusted!!!
Consumer complaint received 2024-07-27
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. (PA)

I discovered incorrect accounts on my credit report this morning and I don't understand why. My usual credit report check revealed unexpected discrepancies this time. I tried refreshing my browser, hoping it was a technical error, but the inaccuracies remained. I request a thorough examination of the documents I provided to ensure this issue is resolved and I can stop worrying.
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (GA)

Called experian about a dispute that was open unbeknownst to me. XXXX became angry and sat on the phone for XXXX plus minutes after running me in circles. I'm currently on the phone and will end the call at XXXX edt if I'm not disconnected by agent. Who I requested to contact creditor and request for them to update my account details balance and payment history
Consumer complaint received 2023-03-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC (CT)

Hello, I opened an account with Gemini Trust Company , LLC ( Gemini Exchange, LLC ). cryptocurrency exchange and custodian on, XX/XX/23. I transferred collectively {$13000.00} to the platform from my XXXX XXXX account and purchased cryptocurrencies ( CC ). Since XX/XX/23 Gemini has blocked withdrawals on my account. After a month of adhering to and fulfilling security protocols for my account, and sluggish and no response from the Gemini support team, the company refuses to allow me access to my CC to transfer any of my CC out of my account. They are effectively holding my CC without my consent and refusing to give it back to me without any justification. This includes refusing to allow me to send my CC to a competitor XXXX, which is a US Publicly traded company for CC exchange. This amounts to theft as I no longer have control of my funds and they have been taken without my permission. 

I can send you all communications that have occurred with their support team. 

This is how they identify themselves in their communications : Gemini Trust Company , LLC ( d/b/a Gemini Exchange, LLC in AZ, CA, DE, FL, HI, ID, IL, KS, KY, MA, MI, MN, NC, ND, NM, OH, OR, SC, SD, UT, and VA ; d/b/a Gemini Exchange in AK and WA )
Consumer complaint received 2024-06-12
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. (FL)

It has been brought to my attention that you are not blocking files when they're sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA I'm sending this letter by certified mail to help establish a legal recourse. If you chose to not block these items listed below which are reporting inaccurately due to Identity Theft. I will be handling my documents over to my attorney to start a legal action. It's my attention not to pursue any legal action please ad here to the law... 

PLEASE DELETE THE FOLLOWING FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX