davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I have dispatched certified letters to XXXX, and the company issued a stall letter to my XXXX account dated XX/XX/XXXX. I have submitted several pages for correction in a certified letter concerning inaccurate information on my credit report. Additionally, I inquired about the furnishing company that reported the bankruptcy and the methods they employed to verify this information on my credit file, as well as the investigation process used to validate it on my credit report. ALSO please correct the information that provided to both credit bureaus XXXX and Equifax on all inaccurate information that reporting against my credit profile. Delete old address and phone numbers, I don't associate with them. 
respond to my letters tracking number to XXXX XXXX XXXX # : XXXX and Equifax XXXX XXXX # : XXXX dates : Cost : {$16.00} Pages : 16 Color : yes Double-sided : yes Est. send date : XX/XX/XXXX Est. delivery : XX/XX/XXXX Service level : XXXX XXXX XXXX ( XXXX days ) Extra service : Certified mail. 

Cost : {$13.00} to XXXX Pages : 11 Color : no Double-sided : yes Est. send date : XX/XX/XXXX Est. delivery : XX/XX/XXXX Service level : XXXX XXXX XXXX ( 3-10 days ) Extra service : Certified mail The negative items on my credit profile appear to be erroneous. I am disputing these claims and insist that any information suggesting I am less than perfect be removed immediately. The allegations that this information is negative, false, or incorrect are without merit. I have yet to receive any tangible evidence supporting these claims. Your report deviates from essential reporting standards, rendering the data inaccurate and incomplete. I challenge you to prove the legitimacy of these allegations against me. Document your compliance with reporting requirements and ensure there are no deviations. According to 15 U.S.C 1681e, a consumer reporting agency must adhere to reasonable procedures to guarantee the accuracy of the information regarding the individual in question. Furthermore, 12 CFR Part 1022 ( Regulation V ) mandates furnishers to : A - Provide information about a consumer 's accounts or relationships with integrity. B - Ensure the information about a consumer 's accounts or relationships is accurate. C - Conduct reasonable investigations of consumer disputes. It is vital to acknowledge that any reporting errors can compromise the accuracy of the information, which has significant consequences for both federally regulated reports and Metro 2 compliance standards. The CRRG states that any deviation from these standards endangers data integrity. Therefore, I have identified several mistakes and inaccuracies in your report, necessitating an investigation into these erroneous items so they can be corrected or removed. It is your responsibility to protect my rights, and continued reporting of imperfect claims indicates negligence. It is unjust to continue this practice.
Consumer complaint received 2024-10-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I have a problem with TransUnion. 

I created an account and froze my credit report on TransUnion 's website on XX/XX/XXXX. 

To apply for a credit card, I tried to login to unfreeze my credit report on XX/XX/XXXX and XX/XX/XXXX, I was unable to login. 

I reset my password 2 times, I couldn't login. 

I tried to find my user name, they said my user name is " Unable to retrieve username. '' It said I might need to create my account again if I didn't login for long time, so I gave it a try. 

It said I can't create an account because I already have one. ( Please refer to attached screenshots ) I tried to call them, they are unreachable. 

I searched on XXXX to see if I am the only one who has this issue, It seems it isn't just me. 

https : XXXX TransUnion is very irresponsible. Please help us.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: The Savings Group, Inc. (NJ)

I was clicking on the " AUTOPAY '' website associated with thesavingsgroup.com to VIEW potential auto loan refinance rates. I did not apply or authorize any hard credit inquiries. I did not type in my social security number but they managed to pull a hard credit inquiry without my permission. I want this HARD inquiry removed from all my bureaus. I called the company and they refused to do so. I did not apply for any loan with them, was just trying to view rates and they required name and email. I did not give authorization for a hard credit inquiry and want this inquiry removed.
Consumer complaint received 2024-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NC)

On XX/XX/XXXX Equifax responded and provided false information thru the CFPB portal and stated that they deleted a fraudulent XXXX XXXX  opened on XX/XX/XXXX account number XXXX. When i logged into my credit profile on XX/XX/XXXX that same fraudulent account still appears it was never deleted as stated ... The CFPB complaint ID : XXXX. I also attached Screenshot as proof the account still remains a day after receiving a response from Equifax that it was DELETED
Consumer complaint received 2024-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PENTAGON FEDERAL CREDIT UNION (CT)

Pentagon Federal Credit Union performed an unauthorized soft pull of my credit on XX/XX/XXXX after demanding I provide a copy in order to perform an investigation on the settled identify theft issue from XX/XX/XXXX. Pentagon Federal Credit Union was explicitly told that they have no legal right under the permissible uses under 604 ( a ) ( 3 ), as they had already adjudicated the prior action in my favor. Their duty was to correct, from copies of their own internal records. I was required to produce my copies of their records in order for them to clear the hard inquiries, 18 months later. 

On a call with PenFed, I was notified that the prior XX/XX/XXXX Hard Inquiries had been simply shifted to be Soft Inquiries. This is not in compliance with the duty to correct, under 623 ( a ) ( 2 ). The requirement is to fully correct. 

Failure by Pentagon Federal to fully correct my record of credit, due to the actual and on-going identity theft issues, is causing personal reputational harm and continued distress.
Consumer complaint received 2024-08-17
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. (GA)

Subject : Notice of Reinvestigation Regarding Payment Records I am writing to formally dispute the assertion that my payment was late, referencing the case XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), and to invoke applicable sections of federal law related to consumer protection. 
In accordance with 15 U.S. Code 1681s2 ( A ) ( 1 ), I am exercising my rights as a consumer to dispute inaccurate information that may have been reported regarding my account. I request that you provide me with all GAAP-compliant financial statements and all other relevant internal records to substantiate your claim regarding the alleged lateness of my payment.

Additionally, under 15 U.S. Code 1666b, I seek verification regarding the timing and processing of my payment, ensuring compliance with established billing procedures. I also wish to emphasize that, as per 15 USC 6802 ( b ) ( c ), the handling of my personal information must be conducted with the utmost care to ensure accuracy and fairness in reporting. Lastly, under 15 USC 1681, Section 602, it is my right as a consumer to know the nature of any information that has been provided to consumer reporting agencies concerning my credit before being reported. 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates ''. In which I received no written request to allow my nonpublic information to be reported by XXXX XXXX XXXX, Experian, XXXX, or XXXX which is a violation of federal laws such as the privacy act of XXXX. 
Also you stated in a response via cfpb complaint number XXXX that As required by law, you are hereby notified that a negative credit report reflecting on your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligation. I believe I have fulfilled my credit obligation to your company so to ensure the accurate books for both parties please send the documents I requested above to settle the matter as soon as possible. To be clear I am requesting all GAAP-compliant financial statements and all other relevant internal records in connection with I, XXXX XXXX account XXXX XXXX and the contract XXXX.
Consumer complaint received 2024-10-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (OH)

I have now attempted a few payments while during forbearance with Aidvantage, and despite electing to have me always be billed for my full monthly due amount despite any extra payments, I can not target specific loans. 

My understanding is both loans are uniquely payable, and I am uncertain why they are preventing me from being able to target a specific loan without advancing my due date outside of predatory means to slow my payment schedule.

I would like to have this addressed as a product feature, as it should be available as it stands today. ie. I should be able to : 1. target a specific loan for an extra payment ( a payment made after the original amount due is covered ) 2. this should not change the next month 's due date or amount due as this is static per loan ( meaning it won't advance my due date )
Consumer complaint received 2024-10-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Absolute Resolutions Corp. (LA)

Account # XXXX Ive explained to the company that I have been affected by a Natural Disaster hurricane Francine, and this debt reflected on my credit reports is impacting my ability to rebuild and get back financially stable. Ive asked this company to delete/remove this debt, without any response.

I also want to notify this company that my personal information has been exposed in several data breaches, and in the dark web. Ive have submitted two complaints for identity theft with the Internet Crime Complaint Center, where my bank accounts was compromised/money stolen. Ive attached the complaint information sent. 

I wish for this debt to be removed immediately from my credit reports, and all contact ceases.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (AZ)

I opened my first credit card in XX/XX/XXXX and my last one in XX/XX/XXXX none of my Nine ( 9 ) accounts is appearing on my XXXX an Experian report. When I call them they say my lenders or creditors are the ones not reporting to them but when I contact those lenders and creditors they confirm that they report to all 3 agencies
Consumer complaint received 2024-10-04
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings (TX)

Request for debt validation was sent but no debt validation was ever received. No supporting documents were also received for claim of alleged debt so if the claims are indeed valid, then there should be no issue providing such documents. I already submitted plenty of documentation on why i don't owe the debt including XXXX XXXXXXXX XXXX XXXX - landlord failure to repair. I previously submitted documentation confirming there was mold via certified lab reports confirming the mold was there and never remediate, prompting necessity to vacate the premises under health hazard that is harmful to health i.e. mold.
Consumer complaint received 2024-10-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (WI)

I went to XXXX XXXX XXXX from XXXX. This was a for-profit school. My loans originated through XXXX XXXX. There were 9 different loans, XXXX both Subsidized and unsubsidized loans for more than {$25000.00}. I was paying more than {$500.00} a month in student loans. My loans were sold to XXXX. At one point my loans were more than {$29000.00} because of interest. I have been paying these loans since XXXX. When student loan forgiveness started I applied. The Dept of Education said I did not qualify for forgiveness because of the year I graduated. In XXXX student loans were being forgiven for XXXX XXXX. In XX/XX/XXXX I tried to apply again for student loan forgiveness and was again denied. I sent in all my original documents proving that the school was for profit and that the degree I have is useless. I have already paid this loan back through interest and then some for 13 years at {$500.00} a month. Trying to relieve my financial burden of paying for a loan for so long for a degree I do not use, I consolidated the loans through a private lender Mohela. I was well aware the loans would not be federally backed however, the Dept of Edu said I would NEVER qualify for forgiveness so this was my last ditch effort to try and get out from under {$29000.00} of debt that I have already paid two times over. XX/XX/XXXX ALL XXXX XXXX loans were forgiven. I missed the cut-off by 6 months and am still {$21000.00} in debt to student loans. {$20000.00} to Mohela and {$1300.00} to The Dept of Edu. The Dept of Edu and Mohela gave misleading information on student loan debt consolidation. When I am finally finished paying my loans I will have paid well over XXXX on a {$25000.00} for a two-year degree that can not be used from a for-profit school that no longer exists. This has caused me emotional stress, XXXX, and hardship. In the past, I have worked XXXX jobs and paid my loans on time with no relief from my original burden. I have paid my dues for more than 15 years. How is it, that I can NEVER get any relief from this? There will be no golden retirement for me. I still have student loans to pay. I want justice and what is fair. I want the Dept of Edu to take responsibility for telling people that they will never qualify for forgiveness just to change their minds 6 months later and again to be denied because I was trying to get these loans done and over with by consolidating to a private lender. This has killed my spirit and continues to do so.
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I am filing this complaint due to TransUnion and XXXX 's refusal to provide the necessary documentation to support my identity theft investigation. Despite my requests, neither bureau has supplied the transaction histories ( merchant names, dates, and authorization details ) for the disputed accounts tied to XXXX XXXX, XXXX, and XXXX XXXX. Without this information, I can not file a police report or investigate further. 

Both bureaus have denied my request to block these accounts without transparency about the evidence used to make that decision. Their refusal to provide the documentation is preventing me from resolving this issue and appears to be an attempt to avoid dealing with the fraudulent disputes that may arise.
Consumer complaint received 2024-10-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX LVNV FUNDING [ Debt Collectors Address ] [ City, State, ZIP Code ] Subject : Debt Validation Request Account Number XXXX Dear LVNV Funding, I am writing in response to your contact regarding a debt you claim I owe. In accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you provide validation of the debt in question. 
Please provide the following : Verification of the debt : A detailed explanation of the amount you claim I owe, including any interest or fees. 
Proof of ownership : Evidence that you have the legal right to collect this debt, including copies of the original contract or agreement signed by me. 
Complete payment history : Including any payments made on this account and how the amount was calculated. 
Name and address of the original creditor : If different from the current creditor, please provide contact details. 
Until I have received the requested documentation, I request that you cease all collection efforts, including reporting this account to any credit reporting agencies. 
Please note that I am aware of my rights under the FDCPA, and any further attempts to collect this debt without proper validation will be considered a violation of my rights. 
I appreciate your cooperation in resolving this matter promptly. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-09-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC. (TX)

XX/XX/year> Sofi Bank XXXX placed a temporary restriction on my accounts, due to my errors with transferring the wrong account to fund a brokerage account with them, leading it to return. 

I spoke to them already but I am afraid this will drag on, and I have a pending check that is posting tomorrow XX/XX/year>
Consumer complaint received 2024-10-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (CA)

Subject : Immediate Assistance Required for Blocked Account Im writing to address ongoing issues with my Citibank account, which has been blocked multiple times. Currently, it is completely inaccessible againthis marks the second occurrence in less than a year. Despite my request for an explanation, I have not received any response. 

This situation is urgent as I need funds to purchase XXXX  before the XXXX closes at XXXX XXXX. My health is at risk, and Im feeling increasingly anxious. 

Citibank has repeatedly restricted my access to my own money, which feels like a violation of my rights. I genuinely need help to resolve this. 

Ive reached out to all the provided phone numbers but have not received any answers about the account blockage. I fear I might be told once more that they can shut down my account without explanation. 

Additionally, I have a direct deposit scheduled for a few hours from now. After depositing a check for {$2000.00} into my savings account last night, my access was suddenly blocked once again! 

I appreciate any assistance you can offer to help me with this urgent matter. Thank you.
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

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 2024-10-04
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NJ)

This complaint is directly related to an open complaint with a company called XXXX XXXX that was filed on XX/XX/XXXX and last response from this company/ entity on XX/XX/XXXX as to Company is still working on your complaint. 

I had also filed a similar complaint with the XXXX  against XXXX on XX/XX/XXXX and received a correspondence from the BBB today as to an update. Attached is the XXXX  response as to after several attempts to contact this company, XXXX XXXX they have received no response back after these several attempts. The BBB gos on to further state that they understand that by this company ignoring me and this complaint is quite serious, they will report this on the companys public profile for the next three years and affect their negatively with the XXXX. 

Im sending this additional information to the original complaint to you on XX/XX/XXXX with that complaint # being XXXX against XXXX still has not XXXX back as well with the exception of XX/XX/XXXX as the company is still working on the complaint but as of today, XX/XX/XXXX has not responded to your agency under complaint # XXXX. Both the irresponsible behavior and none response to the XXXX  and ignoring me and that complaint but has also refused to respond to your complaint Ive just mentioned is unacceptable, unethical and is a serious concern of mine now as it involves my personal information and requesting information and a response as to their actions of running my credit information is extremely concerning. Im hoping with this new complaint along with an open complaint Ive mentioned that has not been, and adding this additional XXXX  information, your agency can take some of a more serious approach and action against this company/ entity.