davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-04
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. (TX)

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 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 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 2024-07-04
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. (FL)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX 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 and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2024-07-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : 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 2024-07-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX Dear Sir or Madam, I am writing to formally lodge a complaint regarding XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXX/XX/XXXXXXXX. Several months ago, I requested a Debt Validation Letter from this organization as per my rights under the Fair Debt Collection Practices Act ( FDCPA ). However, to date, I have not received any response or the requested validation of the alleged debt. 

In the absence of a Debt Validation Letter, I am unable to verify the legitimacy of this debt. This failure to respond constitutes a violation of the FDCPA, which mandates that a debt collector must provide validation of a debt upon request. 

Given this lack of response, I am formally requesting that this alleged debt be removed from all credit bureaus immediately. The failure of XXXX XXXX XXXX to provide the requested validation leaves me with no other recourse but to seek your assistance in ensuring that this erroneous debt is expunged from my credit records. 

I trust that the CFPB will take the necessary steps to address this issue promptly. Thank you for your attention to this matter. I look forward to your swift response and resolution. 

Sincerely,
Consumer complaint received 2024-07-04
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. (NM)

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 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I am REWRITING to formally refile a complaint regarding serious inaccuracies present in my BANK OF AMERICA credit report, which I attempted to rectify through your dispute resolution process. Unfortunately, the outcome has left me dissatisfied as the reported accounts were not adequately verified, and the inaccurate information persists. Background : I discovered discrepancies in my BANK OF AMERICA credit report, specifically related to payment status, payment history, date opened, and dates of late payments. In an effort to rectify these inaccuracies, I promptly submitted a dispute letter via mail, outlining the discrepancies and requesting a thorough investigation. Unsatisfactory Results : Regrettably, the results of the investigation were far from satisfactory. Despite my efforts, the accounts in question were not verified, and the inaccurate information continues to be reported. This has a significant impact on my creditworthiness and financial standing. Violation of FCRA : It has come to my attention that my rights under the Fair Credit Reporting Act ( FCRA ), specifically outlined in 15 U.S.C. Section 602, have been violated. Section 602 emphasizes the importance of accuracy and fairness in credit reporting, mandating consumer reporting agencies to follow reasonable procedures to ensure maximum accuracy. 
Right to Privacy : Additionally, I would like to highlight my right to privacy, which is explicitly protected under 15 U.S.C Section 602. The inaccurate information being reported compromises not only my financial standing but also infringes upon my right to privacy, as it misrepresents my credit history. Failure to Obtain Written Instructions ( 15 U.S.C Section 604 A Section 2 ) : Furthermore, 15 U.S.C Section 604 A Section 2 stipulates that a consumer reporting agency can not furnish an account without the consumer 's written instructions. I have not provided such instructions, yet the inaccurate information persists on my credit report. Attached FTC Report : In support of my complaint, I have attached the FTC report with the report number XXXX. This report details the inaccuracies and the steps I have taken to address them, providing a comprehensive overview of the situation. Request for Remedial Action : I hereby request a thorough and immediate reevaluation of my dispute, ensuring that all relevant accounts are verified and the inaccurate information is rectified in accordance with the FCRA. Additionally, I urge BANK OF AMERICA to take corrective measures to prevent such violations in the future. Next Steps : If this matter is not resolved promptly and satisfactorily, I may be compelled to pursue legal action to safeguard my rights under the FCRA. I appreciate your prompt attention to this matter and expect a timely resolution. Please provide written confirmation of the actions taken to address this complaint within 30 days of receiving this letter.
Consumer complaint received 2024-07-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

Dear Capital One Fraud Department, I am writing to inform you that I have become a victim of identity theft, which has resulted in the unauthorized opening of an account under my name. The account in question ends in XXXX with a balance of {$480.00}. I did not authorize the opening of this account, nor did I make any requests or transactions associated with it. 
Additionally, I want to clarify that the phone number and address currently associated with this Capital One account were not provided by me and any calls or communications originating from them were not made on my behalf. 
Please consider this letter as a formal notification and request to investigate and take appropriate actions to address this issue. I request that you close the fraudulent account immediately and ensure that no further transactions or activities take place under this account. 
I have already taken steps to report this identity theft to the relevant authorities and have included a copy of the police report for your reference. 
I trust that Capital One will take swift and effective measures to rectify this situation and protect my personal and financial information from further misuse. If any additional information or documentation is required from my end, please do not hesitate to contact me at the phone number or email address listed above. 
Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX XXXX free to customize this letter with any additional details or documents you may need to provide.
Consumer complaint received 2024-07-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (CO)

To whom it may concern All federal student loans were recently transferred from Mohela 's original platform to their new XXXX platform. 
In the transfer XXXX errors were made with my loans : XXXX. My XX/XX/XXXX auto payment went through but then my loans were placed in forbearance without my knowledge or consent. As such, the XX/XX/XXXX payment is listed as {$0.00}. I do not want this. I want to make monthly payments to reach XXXX XXXX payments faster. I want to make a XX/XX/XXXX payment to count toward XXXX  and if I do that without a " payment due '' it will not count toward XXXX and will mark my loans in paid ahead status. This harms XXXX forgiveness, I have already dealt with that in the past and do not want to deal with this again. My loans need to be removed from forbearance and resume the normal payment schedule. 

XXXX. {$100000.00} of interest was capitalized inappropriately. This seems to have occurred when they moved the loans from old Mohela to new Mohela. This is a HUGE problem. This is the XXXX  time I have had inappropriate capitalization of interest. In XXXX, XXXX and XXXX removed my loans from repayment, debited {$4000.00} from my account without warning, put them all in forbearance, capitalized {$80000.00} of interest and then it took me XXXX YEARS of fighting with them and the assistance of this body the CFPB to solve this problem. I will not fight them for XXXX  years again. This must be fixed asap. The department of education has a responsibility to ensure that these transfers of loans go smoothly. I will not lose another XXXX years of my life to constant arguing with a loan servicer. Please let me know the way to fix this. 

In the attached document you will not only see that the interest was capitalized but also that all of the proposed payment dates are wildly inaccurate.
Consumer complaint received 2024-07-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (PA)

Hello my name is XXXX XXXX I need my Claim number XXXX to be reopen because I have dispute with XXXX but I have lost the dispute because I have send it with friends and family not with goods and services and XXXX won't help me with it further they keeping telling to go to y'all and I have told them I did but I lost the dispute there too please reopen it or give me a credit for {$100.00} because I didn't get my order she scammed me and block me on social media on XXXX please reopen it XXXX wont reopen my dispute or give me a one time credit and they say to go yall again and again please reopen it or give me a one time credit or send it to a supervisor etc. My name is XXXX XXXX XXXX and contact me at XXXX please also add this to my complaint XXXX CFPB : and my old account number is XXXX and my online banking username XXXX.
Consumer complaint received 2024-07-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (PA)

My name is XXXX XXXX I never got my one time {$25.00} credit yall promise to give me proof. to my account and is active to add to XXXX XXXX. As of XX/XX/year>, the debit card has been activated with XXXX XXXX. If you wish to open a savings account in the same titling, you will have to visit your local branch. If you are requesting to open a new savings account as sole owned or joint, you can visit wellsfargo.com or your local branch. As a courtesy, we opted to provide you a {$25.00} credit into the checking account. XXXX  reviewed the account and was able to confirm that no bonus offer code was added at the time of account opening. You would have had to present the bonus offer code at the time of opening. The account opened on XX/XX/year>, is the only account under each My name is XXXX XXXX XXXX and contact me at XXXX please also add this to my complaint XXXX CFPB : and my old account number is XXXX and my online banking username XXXX please add the {$25.00} credit to my new account checking number is XXXX because my old checking account number XXXX is closed and cant get money there if its there transfer the {$25.00} to the new account number is XXXX or add it there at XXXX thanks and please etc and here is proof below etc.
Consumer complaint received 2023-03-15
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Navient Solutions, LLC. (PA)

I obtained a private loan to attend XXXX XXXX XXXX for an XXXX XXXX in XXXX XXXX. During the first semester at that school, they announced that they would not be issuing a degree at graduation but instead, it changed to a certificate and they would assist students in finding employment. I withdrew after learning that they were aware that students would not receive degrees before my enrolment and failed to disclose this information to me. My federal student loans that were also disbursed to XXXX XXXX are being discharged due to my approval under the Borrower Defense for Sweet v. Cardona. Per the attached promissory note, the private loan was disbursed to this school, which is included in the settlement. I should not be responsible for repaying a loan to a school that deceived me, was predatory in telling lies to me just to get me to visit to school WITH a parent and apply, all under false pretenses. This Signature loan must be discharged based on the clear evidence from the Sweet v. Cardona settlement. Till this day, the credits obtained from this school are worthless and non-transferrable to an institution of my choice. The school closed and I even can not obtain any transcripts from them yet for a $ XXXX loan disbursed in 2004, I have repaid triple the amount and still have a balance today of over $ XXXX. Attached also is the approval email I received for my federal loans.
Consumer complaint received 2024-09-01
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 am writing to dispute the following information in my credit report file. The documents are attached and the disputed items have been circled. These items are inaccurate or incomplete. Kindly remove or correct the information : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-01
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. (CA)

RE : XXXX Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Consumer complaint received 2023-08-29
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: EQUIFAX, INC. (TX)

I have a few inquiries on my report from unknown companies. Please remove these from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX The inquiry was not authorize please delete asap. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorize please delete asap. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorize please delete asap. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorize please delete asap. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorize please delete asap. 
XXXX. The inquiry was not authorized XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorize please delete asap. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorize please delete asap. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorize please delete asap. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX of inquiry : XX/XX/XXXX The inquiry was not authorize please delete asap. 
XXXX. The inquiry was not authorized XXXX XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorize please delete asap.
Consumer complaint received 2024-07-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.
Consumer complaint received 2024-07-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-07-17
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. (IL)

This is my follow up complaint, I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX  XXXX XXXX Balance {$0.00}
Consumer complaint received 2024-07-04
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)

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: A.R.M. Solutions, Inc. (AL)

XXXX XXXX XXXX at XXXX XXXX XXXX XXXXXXXX KY XXXX has mailed me numerous invoices for services that I have not agreed to. The total is {$340.00} for a tank pick up fee that I did not agree to. I have contacted XXXX  over the phone to dispute this invoice and was told that they would send me a copy of the original signed contract that I never received. I haven't ordered gas from them in 4 years. I had called their office and requested to remove their tank 3 years ago. It occupied my property until they removed it last year. Since then XXXX has turned the invoice to the collections company XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. I have requested 3 times proof of billing from XXXX. XXXX did send fraudulent invoices that were vague and not detailed itemized invoices. XXXX has not provided any services to me or my property in over 4 years.