davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-26
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: EQUIFAX, INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX

ACCOUNT NAME:  XXXX XXXX 
ACCOUNT NUMBER: XXXX XXXX XXXX XXXX  

DELETE THIS ACCOUNT DUE TO INACCURACIES OF BALANCE AMOUNT REPORTED XXXX ON EQUIFAX, XXXX  AND XXXX.
XXXX XXXX XXXX XXXX XXXX WHO REPRESENTS XXXX XXXX XXXX  PROVIDED ME BY MAIL VERIFICATION OF MY ACCOUNT DETAILS. 
PAYMENT HISTORY OF ACCOUNT DETAILS THAT ( XXXX) VERIFICATION PROVIDED, SHOWS BALANCE AMOUNT OF "XXXX", FROM XXXX XXXX XXXX UNTIL XXXX XXXX XXXX. BUT YET EQUIFAX XXXX  AND XXXX  SHOWS XXXX. XXXX XXXX XXXX  RESPONDED ON MY FEEDBACK THROUGH CFPB THAT MY ACCOUNT IS HANDLED BY OUTSIDE COUNSEL.  BUT YET I RECEIVED A LETTER IN THE MAIL XXXX  XXXX XXXX XXXX  SAYS THE INFORMATION THAT THE CREDIT REPORTING AGENCIES ARE REPORTING IS VERIFIED AS ACCURATE AND COMPLETE BUT YET THEIR OWN COUNCIL XXXX XXXX XXXX XXXX SAYS DIFFER WITH THE VERIFICATION DOCUMENTS THAT WAS PROVIDED TO ME.
THE CREDIT BUREAU STATED THAT MY ACCOUNT WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE BALANCE AMOUNT IS DIFFERENT FROM THE VERIFICATION I RECEIVED FROM THE LAW OFFICE THAT REPRESENTS XXXX XXXX XXXX THIS IS GROUND FLOOR REMOVAL THEY HAVE VIOLATED MY RIGHTS.
Consumer complaint received 2024-08-26
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. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

DELETE THIS ACCOUNT DUE TO INACCURACIES OF BALANCE AMOUNT REPORTED  XXXX XXXX XXXX TRANSUNION AND XXXX. XXXX XXXX XXXX XXXX XXXX WHO REPRESENTS XXXX XXXX XXXX PROVIDED ME BY MAIL VERIFICATION OF MY ACCOUNT DETAILS. 
PAYMENT HISTORY OF ACCOUNT DETAILS THAT ( XXXX) VERIFICATION PROVIDED, SHOWS BALANCE AMOUNT OF "XXXX", FROM XXXX XXXX XXXX XXXX XXXX XXXX XXXX BUT YET XXXX  TRANSUNION AND XXXX  SHOWS XXXX XXXX XXXX XXXX  RESPONDED ON MY FEEDBACK THROUGH CFPB THAT MY ACCOUNT IS HANDLED BY OUTSIDE COUNSEL.  BUT YET I RECEIVED A LETTER IN THE MAIL XXXX XXXX XXXX GOT SAYS THE INFORMATION THAT THE CREDIT REPORTING AGENCIES ARE REPORTING IS VERIFIED AS ACCURATE AND COMPLETE BUT YET THEIR OWN XXXX XXXX XXXX XXXX XXXX SAYS DIFFER WITH THE VERIFICATION DOCUMENTS THAT WAS PROVIDED TO ME.
THE CREDIT BUREAU STATED THAT MY ACCOUNT WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE BALANCE AMOUNT IS DIFFERENT FROM THE VERIFICATION I RECEIVED FROM THE LAW OFFICE THAT REPRESENTS XXXX XXXX XXXX  THIS IS GROUND FLOOR REMOVAL THEY HAVE VIOLATED MY RIGHTS.
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

Please take a look at the attached letters and ID docs for verification that it is I 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 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

It's been months that I'm trying to fix errors that are being reported on my credit report because my creditworthiness is highly important to me, and the errors in my credit report have had detrimental effects on both my financial prospects and my emotional well-being but my requests and complaints kept getting ignored or disregarded which furthers the negative impact on both my life and my credit.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Consumer complaint received 2024-09-05
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.

Account name : # 1234, Account name : # 1234, Account name : # 1234, Account name : # 1234, has violated my rights.

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 informationisinaccurate. 
Please remove these Inquiries from my credit report.
Consumer complaint received 2024-09-03
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. (TN)

Hello. My credit report has been pulled up by these companies and applications were done in my name, I don't recognize these fraudulent inquiries nor have authorized them. I have contacted Equifax and a representative told me that they would be deleted from my credit report but I still see it, it's adding unnecessary stress in my life.
Consumer complaint received 2024-10-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA (SC)

Have a student loan with XXXX  thats now Mohela. Went to XXXX XXXXXXXX XXXX XXXX  and since then the school CLOSED. I also know that XXXX XXXX, the one-time student loan market leader, was permanently banned by its primary federal regulator, the Consumer Financial Protection Bureau ( CFPB ), from servicing any federal student loans and from buying additional federal student loan debt from other loan holders. 

What does this mean for my current loan? Do I keep paying them? Do I pay to Mohela? Need clarification and I would LOVE for this loan to be forgiven since the school did close and since XXXX got sued. They should pay me back for all the payments Ive made. I graduated hair school almost 20 years ago. This is an old loan. 

XXXX  account number is XXXX The interest is killing me. This loan will never be paid off.
Consumer complaint received 2024-09-04
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. (NC)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency XXXX furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX the financial institution and the Consumer reporting agencies Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2024-10-19
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. (LA)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-10-19
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)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-18
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southern Management Systems Inc. (TX)

This letter is a formal complaint that you are reporting inaccurate and incomplete information. According to the fair credit act section 609 a1a. You are required by federal law to verify through physical verification of the original signed contract. Any and all accounts that you post on a credit report, otherwise any one paying you for your debt is probably fraudulent. I demand to see a verified proof. If you fail to validate, remove from my account immediately.
Consumer complaint received 2024-10-20
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Denefits LLC (MD)

This company has violated my consumer rights by attempting to collect on a debt that I do not owe, and they continue to report this debt to consumer credit bureaus despite it being invalid. The alleged debt is beyond the statute of limitations for collection under Maryland law, which is three years. The statute of limitations does not restart when a debt is sold or transferred to another collection agency, meaning their continued collection efforts are unlawful. 

The following are clear violations of federal and state consumer protection laws : 15 U.S.C. 1692g ( a ) ( FDCPA ) : The company has failed to provide the written contract or any validation documentation proving that I owe this debt, as required by the FDCPA. Without validation, they have no legal grounds to collect or report this debt. 

15 U.S.C. 1681n ( FCRA ) : By failing to ensure the accuracy of the information reported and continuing to report this account without proper validation, the company and the credit bureaus ( XXXX and XXXX ) are in violation of the FCRA. They may be held liable for negligence and non-compliance. If willful, these violations could result in liability for actual, statutory, and punitive damages. 

12 CFR 1006.34 ( b ) ( 5 ) : The company has failed to provide necessary validation information before reporting this collection account to my credit report, as required by federal law.

12 CFR 1006.34 ( c ) ( 4 ) ( i ) : I was not given the opportunity to dispute this account before it was reported to the credit bureaus, which violates my rights under federal law.

15 U.S.C. 1681s-2 ( a ) : The company lacks the authority to report this account to consumer reporting agencies without providing all required disclosures and debt validation. 

In addition to federal violations, the company is also in violation of Maryland consumer protection laws : Maryland Consumer Debt Collection Act ( MCDCA ) : The company has engaged in unfair and deceptive debt collection practices by failing to validate the alleged debt and continuing collection efforts.

Maryland Financial Institutions Article, 11-301 & 7-101 : The company is not licensed to engage in debt collection or lending activities in Maryland, as required by law. Conducting such activities without the proper licensing is illegal. 

I have attached a copy of my full complaint letter, detailing these violations in greater depth.
Consumer complaint received 2024-10-20
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA (MS)

XXXX was apart of the borrowers defense list. They were involved in a lawsuit XXXX Vs XXXX. This Lawsuit was based on schools they were defrauding students and stating that students were going to get a job. I was also told I was going to receive a federal grant to help pay for school. The young lady I spoke with at Navient advised me that I would qualify under the borrower defense list. I applied on the Federal Student website and have not heard anything else pertaining to the forgiveness of my loan.
Consumer complaint received 2024-10-19
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (AL)

On XX/XX/XXXX i had cancelled my account with XXXX to switch over to XXXX. XXXX offer to pay out my contract with XXXX since Im switching over. XXXX paid the remain balance which was XXXX dollars. But XXXX keep billing me after XXXX paid it off and the devices was returned back to them. I paid the XXXX XXXX XXXX XXXX XXXX in month payment of XXXX each month because they said if i pay XXXX it will be considered the account paid in full. Now i have this collection agency Jefferson capital calling saying i owe XXXX for the XXXX bill.
Consumer complaint received 2024-07-16
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. (IN)

I am writing to express my deep concern regarding the disputed accounts on my credit report. Despite multiple attempts to address the inaccuracies and requesting thorough investigations, I have yet to see any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to lead a normal life. 

The negative impact of these inaccuracies has caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. 

It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file, so I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-10-20
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Blockchain.com, Inc. ()

Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against Blockchain.com for withholding my funds for over XXXX months. The issue started in XX/XX/year> when I encountered glitches in their app, which led me to delete and reinstall it. After reinstalling, I was required to reverify my account, even though it had been previously verified. 

I promptly completed the reverification process, which was acknowledged by Blockchain.com. According to their terms, manual verification should take XXXX to XXXX business days if automated verification fails. However, after a week of waiting with no updates, I contacted them on XX/XX/year>. Their response simply stated that my case was being resolved and they would notify me when it was complete. 

Months passed without resolution. After XXXX months of silence, they contacted me again, requesting more information, which I immediately provided. Despite this, I still have no access to my funds and have received no meaningful updates from Blockchain.com. 

Upon further investigation, I discovered that Blockchain.com has a history of withholding funds from users, causing prolonged delays similar to mine. I feel that the platform is intentionally frustrating its customers to the point where they give up on recovering their money, and I am determined not to let them do this to me. 

I am seeking your assistance to intervene and help me regain access to my funds. 

Thank you for your attention to this matter. 

Sincerely, XXXX Case number : # XXXX
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. (AZ)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (KY)

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER:XXXX  ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. XXXX credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX  number:XXXX