davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (PR)

I am the co-signer for a student loan and through the interference of an attorney obtained by student because of the continued harassment calls and email messages from XXXX XXXX the attorney was able to obtain an extension through XX/XX/XXXX. Per XXXX XXXX XX/XX/XXXX, I am still responsible for payments dating back from XX/XX/XXXX hrough XX/XX/XXXX. Although no payments were due from XX/XX/XXXX through XX/XX/XXXX, interest in the amount of {$3000.00} was accrued during that period. 
I was never informed by XXXX XXXX XX/XX/XXXX that the student 's loan was granted an extension nor received communication from them regarding payments due. 
I became aware of this situation through an email from XXXX XXXX, a service provided by my XXXX credit card, that advised me of the activity and how it impacted my credit score. Through their service I read that XXXX XXXX XX/XX/XXXXhad furnished negative information regarding non-payment of student loan to the 3 credit reporting agencies without informing me first that I was responsible for paying loan and non-payment will result in negatively impacting my credit. 
I contacted XXXX, Account Manager at XXXX XXXX on XX/XX/XXXX to inquire about the student 's loan being extended until XX/XX/XXXX, where she could not find documentation regarding the extension and informed me that I was still responsible for monthly payments even though I never received any written communication from XXXX XXXX. 
I do not understand how the student gets an extension on her loan but I, as a co-signer am still responsible for payments.
Consumer complaint received 2024-05-31
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. (FL)

Name of Account : XXXX  XXXX Account : XXXX Dear Credit Representative : I am disputing the account stated above. Previously, I disputed this account information as being inaccurate, and you responded as a VERIFIED AS ACCURATE and UPDATED But how is that possible? you said is verified as accurate and updated but they lied because the account is still looking the same so how is that possible? 

The Fair Credit Reporting act requires you to verify the validity of this within 30 days. If the validity can not be verified, you are obligated by law to remove it from my credit file. I urge you to remove this account. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-05-31
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.
Consumer complaint received 2024-05-31
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. (NJ)

I am writing to formally request the immediate removal of an erroneous account reported by XXXX XXXX XXXX XXXX XXXX XXXX, account number XXXX from my credit report. Despite my numerous attempts to resolve this issue over the past year through multiple disputes, XXXX ( XXXX XXXX ) has consistently failed to produce the original promissory note and instrument of indebtedness that validates this alleged debt. 

According to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, credit reporting agencies are required to ensure the accuracy and integrity of the information included in consumer reports. Specifically, under 15 U.S.C. 1681i, credit bureaus must reinvestigate the accuracy of the disputed information, and if the information can not be verified, it must be deleted. Aidvantage inability to provide the necessary documentation to substantiate this debt clearly indicates that this account is unverifiable and thus must be removed. 

The failure to provide a promissory note and original instrument of indebtedness also contravenes the provisions under the Truth in Lending Act ( TILA ), 15 U.S.C. 1601 et seq., which mandates clear documentation and transparency of loan agreements. The absence of these critical documents raises substantial doubt about the legitimacy of the reported debt. 

Furthermore, the Federal Trade Commission ( FTC ) has repeatedly affirmed in various rulings that credit reporting agencies must delete unverifiable information. In the landmark case of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), the court underscored the necessity of credit bureaus conducting a reasonable reinvestigation into disputed debts. The court ruled that failure to perform such an investigation or to correct inaccuracies constitutes a violation of the FCRA. This case sets a clear precedent for the requirement to remove unverifiable accounts, such as the one in question. 

Moreover, the case of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), further emphasizes that consumers are entitled to accurate credit reporting and that credit reporting agencies must take action to correct or delete unverifiable information from their reports. 

Given these legal precedents and the clear violation of federal law, I demand the immediate deletion of the disputed account from my credit report. I request that you provide written confirmation of the removal within 30 days of receipt of this letter. Failure to comply will leave me no choice but to escalate this matter by filing complaints with the FTC and possibly pursuing legal action for damages resulting from this negligent reporting. 

For your convenience, I have also included copies of my identification and recent credit reports showing the disputed account. I trust that you will handle this matter with the urgency and seriousness it deserves. Thank you for your prompt attention to this issue.
Consumer complaint received 2023-06-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Neon Newco Corporation (VA)

On XXXX XXXX, XXXX at XXXX XXXX  est. i received a text message from Netspend stating there was suspicious activity on my account. I called Netspend and spoke with a Rep. asking if I placed a virtual account on my checking account on XX/XX/XXXX and the Rep. asked if i placed a virtual card on my checking account and I advised the Rep. that I would not place any virtual cards on my checking account, the virtual card placed on my checking account was unauthorized for the amount of {$99.00} and XXXX and a total of {$310.00} from XXXX and a XXXX account, My account was hacked and the Rep. stated I would need to close my account, there was an investigation that XXXX sent in 2 invoices with an attached virtual card to my checking account, the Bank XXXX stated I would need to change my password. on XX/XX/XXXX my checking account was hacked again for {$51.00} from XXXX that was refunded back to my checking account which was overdraft fees. Netspend Dispute Department provided 2 invoices from XXXX that were fraudulent invoices with a fraudulent phone number. I contacted XXXX and the Rep. gave their actual email address and stated they could only block the unauthorized virtual cards. Netspend refused to take the virtual card app off of my checking account and Could not provide any proof of the payments totalling {$310.00} and denied on XX/XX/XXXX
Consumer complaint received 2020-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (PR)

I am the co-signer for a student loan and through the interference of an attorney obtained by student because of the continued harassment calls and email messages from XXXX XXXX the attorney was able to obtain an extension through XX/XX/XXXX. Per XXXX XXXX XX/XX/XXXX, I am still responsible for payments dating back from XX/XX/XXXX hrough XX/XX/XXXX. Although no payments were due from XX/XX/XXXX through XX/XX/XXXX, interest in the amount of {$3000.00} was accrued during that period. 
I was never informed by XXXX XXXXXX/XX/XXXXthat the student 's loan was granted an extension nor received communication from them regarding payments due. 
I became aware of this situation through an email from XXXX XXXX, a service provided by my XXXX credit card, that advised me of the activity and how it impacted my credit score. Through their service I read that XXXX XXXXXX/XX/XXXXhad furnished negative information regarding non-payment of student loan to the 3 credit reporting agencies without informing me first that I was responsible for paying loan and non-payment will result in negatively impacting my credit. 
I contacted XXXX, Account Manager at XXXX XXXX on XX/XX/XXXX to inquire about the student 's loan being extended until XX/XX/XXXX, where she could not find documentation regarding the extension and informed me that I was still responsible for monthly payments even though I never received any written communication from XXXX XXXX. 
I do not understand how the student gets an extension on her loan but I, as a co-signer am still responsible for payments.
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 2024-07-15
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to formally request the removal of an item from my credit report due to the charge-off status. The details of the account in question are as follows : - Account Number : Unknown - Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX - Amount : {$15000.00} According to my records and under relevant federal and state laws, a charged-off debt is no longer my responsibility, and as such, it should be removed from my credit report. Specifically, the Fair Credit Reporting Act ( FCRA ) and other applicable laws dictate that inaccurate, incomplete, or unverifiable information must be corrected or deleted from my credit file. 

I have verified that the debt has been charged off by the original creditor, and therefore, it is no longer a collectible debt by your agency. Furthermore, the presence of this charged-off item on my credit report is causing undue harm to my credit score and financial standing.
Consumer complaint received 2024-05-31
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)

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 : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX  : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXXXXXX XXXX  : Account Number : XXXX Account Name : XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be 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 XXXXXX/XX/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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Shellpoint Partners, LLC (IN)

In XX/XX/XXXX I attempted to make a payment to Newrez my mortgage servicer. The payment was allegedly return for a consolidated funds. Then in XXXX new, Rez reported my mortgage 30 days delinquent. Upon discovering this on my credit report in XX/XX/XXXX I disputed it with Newrez. I sent them proof I had sufficient funds and that my bank has no record of any ACH transactions from Newrez in the month of XX/XX/XXXX. They responded in XXXX. The response said there was insufficient evidence to prove that my payment wasnt a banking error. So I resubmitted the exact same dispute in XXXX with the same information that being bank statement showing I had sufficient funds and proof that I attempted to pay the payment on time. Than 30 days later, they responded, asking for more time due to the difficulty of this investigation. I have yet to receive any information if theyre gon na remove this from my credit report and it has been over 90 days since the initial dispute. As well can not speak to anybody in the credit reporting department only can speak to customer service representatives and they cant speak to anybody that department as well. The light payment is causing financial for tripping my life due to not be able to move for a new job so now I am forced to commute.
Consumer complaint received 2023-06-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC. (MD)

CAINE WEINER ( Original Creditor : PROGRESSIVE ) BALANCE : {$460.00} STATUS : OPEN ACTIONS TAKE : I have attempted multiple times to communicate with the debt collector and the original company. All attempts have been received with aggression and harassment. They have made it very clear they are not willing to work with me in clearing up this situation. It is effecting my personal and professional life.
Consumer complaint received 2023-06-16
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: CCS Financial Services, Inc. (TX)

The company was asked to investigate and validate the accounts that are being reported to the credit reporting agencies. They failed to do so within the guidelines of the FRCA and FDCPA federal laws. I have been reaching out for months with no to minimal responses that were delayed and avoiding sending any information that has been requested. The information currently listed is inaccurate and has yet to be validated to provide accuracy. It is affecting my overall financial stability due to my credit score showing false reporting. Please see the attachments to this comment.
Consumer complaint received 2024-07-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Penn Credit Corporation (MA)

The debt was for the XXXX in ma I was unaware of this debt nothing was ever sent to me. when I went to go get my license I was denied it was non-renewable until I paid this debt to Penn credit. On XX/XX/XXXX Penn credit I verbally asked for a validation letter the original creditor they did not send me one. On XX/XX/XXXX I called Penn telling them we're is my validation letter. They said that they have to speak to the original creditor for me to get any information. I then filed a complaint. CFPB ON XX/XX/XXXX. I RECEIVED A RESPONSE FROM XXXX XXXX ON XX/XX/XXXX ABOUT THE COMPLAINT HE ACKNOWLEDGED THE DEBT THEY ARE SEEKING AND THEY WOULD RESPOND WITH THE VALIDATION LETTER AFTER SPEAKING WITH THE ORIGINAL CORRECT CREDITOR. Who he would not reveal when I asked I RECEIVED NOTHING FROM THEM. ON XX/XX/XXXX I LEFT A VOICEMAIL FOR XXXX ASKING HIM FOR HIS HELP WITH THIS VALIDATION LETTER THIS IS MY LICENSE AND I WAS XXXX  XXXX XXXX THEM XXXX I HAD DOCTOR 'S APPOINTMENTS IT WAS CRUCIAL THAT THIS WAS TO BE TAKEN CARE OF AS SOON AS POSSIBLE I DID NOT GET A RESPONSE FROM XXXX. ON XX/XX/XXXX I SENT A LETTER TO THE STATE DEPARTMENT and XXXX XXXX, he reached out to me and stated that pen collections did not get back to him he made a follow-up phone call and still there was no response XX/XX/XXXX legislation aid representative of XXXX XXXX XXXX State House I ALSO SENT INFORMATION ABOUT MY BACK PLATE BEING STOLEN. I'm a XXXX  XXXX survivor and I'm XXXX as well I made that very clear I did not receive one piece of paperwork not one phone call not one email. I paid the debt I'm not sure of the date think maybe four months ago to get my license they held it hostage they did not help me they did not answer me and I would like information on filing a lawsuit.
Consumer complaint received 2024-08-05
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. (FL)

I have made multiple efforts to resolve the issue of fraudulent, inaccurate, and misleading information on my consumer report, but the problem persists. These erroneous entries have significantly disrupted my life, causing considerable distress. I must emphasize that I never authorized or agreed to have this information linked to my name, as I have been a victim of identity theft.
Consumer complaint received 2023-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Bright Capital Inc (VA)

Company Name : XXXX XXXX XXXX : They engage in deceptive business practices regarding membership fees and lines of credit. I engaged with this business for the purpose of obtaining credit building services and a line of credit. I was not offered the line of credit. I was instead offered a credit builder program advertised to cost {$8.00} a month. I paid {$10.00} for a first instalment for a credit builder loan which was to have 5 total instalments. I was anticipating monthly charges of {$8.00} for the membership and {$10.00} for the credit builder loan. 

10 days later they auto debited my account for {$99.00} which is a full year of membership. This was not disclosed properly nor did I authorise any charges for {$99.00}. Contact with the company is primarily through email. They claimed to have refunded {$90.00} and that would be in my account within 4 business days. It has now been over two weeks and I still have not received a refund of any amount.
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2020-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

I am the co-signer for a student loan and through the interference of an attorney obtained by student because of the continued harassment calls and email messages from XXXX XXXX the attorney was able to obtain an extension through XX/XX/XXXX. Per XXXX XXXX XX/XX/XXXX, I am still responsible for payments dating back from XX/XX/XXXX hrough XX/XX/XXXX. Although no payments were due from XX/XX/XXXX through XX/XX/XXXX, interest in the amount of {$3000.00} was accrued during that period. 
I was never informed by XXXX XXXX XX/XX/XXXX that the student 's loan was granted an extension nor received communication from them regarding payments due. 
I became aware of this situation through an email from XXXX XXXX, a service provided by my XXXX credit card, that advised me of the activity and how it impacted my credit score. Through their service I read that XXXX XXXX Bank had furnished negative information regarding non-payment of student loan to the 3 credit reporting agencies without informing me first that I was responsible for paying loan and non-payment will result in negatively impacting my credit. 
I contacted XXXX, Account Manager at XXXX XXXX on XX/XX/XXXX to inquire about the student 's loan being extended until XX/XX/XXXX, where she could not find documentation regarding the extension and informed me that I was still responsible for monthly payments even though I never received any written communication from XXXX XXXX. 
I do not understand how the student gets an extension on her loan but I, as a co-signer am still responsible for payments.