davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-19
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Alorica Inc. (DC)

XXXX by XXXX XXXX gave little to no notice to their customers that they would sell off their loans to XXXX. 

I found out just days ago, I am caught by surprise, and SST has unfortunately made it super challenging to get the transparency I deserve about my loan ( prior statements, statement history from the onset of my loan from XXXX by XXXX XXXX ). If XXXX bought this loan from XXXX by XXXX XXXX, I am deserved my prior statements to include thorough pdf statements mailed to me if I can't access them online ( by the way SST 's online portal looks like it was from the early XXXX  ). User interface is not user friendly and one can't get access to something as simple as a statement or a privacy policy link at the bottom of the web page. One shouldn't have to hop through hoops to get statements, last balance information from XXXX by XXXX XXXX, etc.. 

Ever since XXXX by XXXX XXXX sold off my loan- which was literally within the last XXXX weeks possibly ( early XX/XX/ ), I can't get access to my prior statements from the XXXX by XXXX XXXX XXXX XXXX. 

If we were supposed to save those statements prior to XXXX selling off our loan, we need notice to save the statements needed before they discontinue online access to any loan information via the XXXX by XXXX XXXX online portal. 

SST is scheduled to autopay/autowithdraw over {$800.00} on XX/XX/XXXX from my checking account, and I have yet to see a statement through the SST web portal. Even though I have autopay enabled, I deserve to see a thorough statement. I had that to some degree with XXXX XXXX but I am not getting this with SST. XXXX XXXX and SST dropped the ball here. SST 's notice to customers from XX/XX/XXXX was vague and unclear about what we should do if we haven't received a statement. 

XXXX by XXXX XXXX and SST should've worked in tandem with SST to ensure an effective transfer of my loan, which includes full transparency into my statements from the inception of this loan. With no ability to have control over the decision to move my loan to SST, and one can not see any statements through a not so user friendly online portal... how am I to understand if the data integrity of the account balances from current and prior months match up with what SST is quoting me today? 

I need the transparency, and I am not getting that with SST or XXXX by XXXX XXXX. This transfer of my loan to SST by XXXX by XXXX XXXX was done with no transparency or paper statement mailed to me. If I can't get access to my statements online via SST 's ancient non-user friendly web interface for account management, then I should be receiving a paper statement mailed to my address every month going forward. This is not hard to ask for. Even though they sold off the loan to SST, both companies should still be held accountable to ensure I ( the customer ) receive sufficient paperwork or loan statements to assist me with this unfortunate transition to SST.
Consumer complaint received 2024-04-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am writing to formally dispute unauthorized inquiries that are currently appearing on my credit report. Upon reviewing my credit report, I have identified inquiries that I did not authorize or recognize. 

I would like to emphasize that I did not authorize or initiate any credit applications or transactions with the entities associated with these inquiries. Therefore, I believe these inquiries are unauthorized and should be removed from my credit report immediately.
Consumer complaint received 2023-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

Despite multiple written requests, the ITEMS listed below continue to appear on my credit report, which is a violation of the FCRA. The Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i, within the time frame specified by law, they failed to adequately investigate the situation by using a third party as their verification provider, and they continued to report unconfirmed and unverified information. Given my attempts to address it directly with three CREDIT BUREAUS, they are intentionally negligent and in violation of federal statutes, and I require this situation to be resolved immediately. Please remove the following elements from my file : XXXX 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 2024-04-30
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)

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 2023-07-12
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: Bread Financial Holdings, Inc. (IL)

To whom it may concern this is my second time making a complaint because Comenity Bank still reporting an inaccurate account on my credit report. They claimed they have sold this fraudulent account Victoria Secret account number XXXX to XXXX XXXX XXXX XXXX on XXXX and Express account on XX/XX/XXXX. I sent comenity bank a certified letter with a return receipt on XX/XX/XXXX. They responded back letting me know they sold both accounts but still they are still reporting it continuously on my credit report. XXXX responded back saying inserting they reply from my last CFPB complaint here as follow. 

Company 's Response XXXX XXXX XXXX, XXXX ( " XXXX '' ) investigated your complaint. We previously closed the XXXX accounts ending in XXXX and XXXX, requested that the consumer reporting agencies remove our tradeline for the accounts from their consumer reports, and ceased all communications regarding collection of the XXXX accounts unless otherwise permitted or required by applicable law. XXXX does not control the way in which the consumer reporting agencies report the information furnished by XXXX. Accordingly, any differences in their reporting of the information which XXXX furnishes is the responsibility of the consumer reporting agencies, not XXXX. We believe that no further steps in response to your complaint or follow-up actions are required at this time. 

This is proof I will in close the picture of this response as of today these accounts never been reporting from XXXX XXXX XXXX XXXX. They responded with the wrong account number for Victoria secret account number supposed to be XXXX.
Consumer complaint received 2023-05-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (GA)

We filed a complaint with Consumer Financial Protect Bureau, CFPB Ref. No.XXXX, PNC Ref . No. XXXX. I went to provide feedback or rebuttal, and thinking that since the last day to submit the rebuttal was on XXXX XXXX, that I would have till midnight to submit it. When I logged in, the system would not allow me to provide feedback ( rebuttal ). 
So, I am filing the rebuttal as a new complaint and referencing the CFPC Ref. No. PNC 's Response was dated XX/XX/2023. I have attached the Rebuttal document with attachments, to an uploaded file.
Consumer complaint received 2023-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XX/XX/XXXX and XX/XX/XXXX I sent TransUnion a Dispute letter certified mail with a return receipt. TransUnion refused to comply with my Section 609 ( a ) ( 1 ) ( A ) letter that was sent. They constantly sending a generated response letter without providing me with what I requested. They are violating my customer rights by ignoring my request for them to send my the original contract and my wet signature on this debt they say I owe. I state in my dispute letter to provide me with verifiable proof because its reporting inaccurate information on my credit report. They ignored it yet again I received a credit report from TransUnion on XX/XX/XXXX still without information I requested. I feel as though they doing this for their own personal gain and its really harming my customer credit report due to the damages theyre causing me.
Consumer complaint received 2024-04-30
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)

" Your agency is in violation!

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.

Delete this at once! '' LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX XXXX  {$2400.00} XXXX XXXX XXXX XXXX XXXX {$2100.00} XXXX XXXX XXXX {$620.00} XXXX XXXX XXXX XXXX XXXX  {$400.00} XXXX XXXX XXXX - XXXX {$180.00} 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 2023-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

On XX/XX/XXXX, I contacted TransUnion about the following incorrect information on my credit report. To this date they have not responded. 


The following account is not mine : XXXX XXXX XXXX XXXX  ( Account Number XXXX, Date Opened XX/XX/XXXX, Balance {$12000.00}, Original Creditor XXXX ). Please remove it from my credit report. 

The following account is not mine : XXXX XXXX XXXX XXXX  ( Account Number XXXX, Date Opened XXXX XXXX, XXXX, Balance {$10000.00}, Original Creditor XXXX ). Please remove it from my credit report. 

The following account is not mine : XXXX ( Date Opened : XX/XX/XXXX, Balance : {$4800.00}, Original Creditor : XXXX XXXX XXXX ) Please remove it from my credit report. 

The following account is not mine : XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$3200.00}, Original Creditor : XXXX ) Please remove it from my credit report. 

The following account is not mine : XXXX ( Date Opened : XX/XX/XXXX, Balance : {$2800.00} ) Please remove it from my credit report. 

The following account is not mine : XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$2700.00}, Original Creditor : XXXX ) Please remove it from my credit report.
Consumer complaint received 2023-12-22
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Email Address : XXXX XX/XX/XXXX Subject : Request for Removal and Correction of Inaccurate Information Experian XXXX XXXX XXXX XXXX, TX XXXX Dear Experian, I am writing to bring to your attention certain inaccuracies in the information currently being reported on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies, I request that you promptly investigate and correct the following inaccuracies : 1. Removal of Non-Mailable Address : The non-mailable addresses being reported is : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX 
I confirm that this address is not valid, and I request its immediate removal from my credit report.

2. Correction of Full Name : My correct full name is : XXXX XXXX XXXX I have noticed that my full name is inaccurately reported, and I request that you correct it to reflect my accurate and legal name. 
XXXX. Correction of XXXX : My correct date of birth is : XX/XX/XXXX XXXX. Removal of Phone Numbers : The inaccurate phone numbers are XXXX and XXXX. 

The reported birthday is inaccurate, and I request that you correct it to reflect my accurate date of birth.

I would like to bring to your attention the specific provisions of the FCRA, 15 U.S. Code 1681s2, which prohibit the reporting of information that is known or believed to be inaccurate. Furthermore, according to the same statute, once notified of inaccuracies, reporting agencies must cease reporting such information until its accuracy can be verified.

Please investigate these matters promptly and provide a written response within the statutory timeframe. If, after your investigation, the information is found to be inaccurate, I request that you promptly update my credit report accordingly.

Enclosed with this letter are copies of documents supporting my claims, including proof of my correct address and identification. Please let me know if you require any additional information.

Thank you for your prompt attention to this matter. I trust that you will handle this request in accordance with the applicable legal requirements. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I just checked and reviewed again my XXXX, XXXX and TransUnion credit reports and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. You violated the 15 USC 1681n for reporting false information and without a permissible purposes.
Consumer complaint received 2024-04-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX, CA,XXXX XXXX XXXX XX/XX/XXXXXXXX  Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX XXXX Iowa XXXX Dear Sir/Madam, I am writing to formally dispute inquiries made by XXXX XXXX XXXX  via XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX  via XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, ( XXXX ), ( XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) on my credit report. Upon reviewing my credit report, I noticed an inquiry from XXXX XXXX XXXX  via XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX via XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX that I did not authorize, and I believe it violates the provisions outlined in the U.S. Code 1681.

According to U.S. Code 1681, any inquiry made into my credit report without my explicit authorization is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). I have not applied for any credit or services with [ XXXX XXXX XXXX  via XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX via XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX ] nor have I granted them permission to access my credit information. 
I request that the Consumer Financial Protection Bureau investigate this matter promptly and take appropriate action against XXXX XXXX XXXX  via XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX via XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX for violating federal law. Additionally, I would like to request a copy of the investigation results once the inquiry dispute has been resolved. 
Enclosed with this letter are copies of my credit report highlighting the unauthorized inquiry and any supporting documentation I have regarding this matter. 
Thank you for your attention to this matter. I look forward to a swift resolution of this dispute. 
Sincerely, XXXX XXXX
Consumer complaint received 2018-08-30
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Premier Student Loan Center (GA)

Premier Student Loan Center contacted me about student loan consolidation. I was instructed after gathering my information that I was approved for a student loan forgiveness program and would only be responsible for a portion of what I owed. After receiving charges on my account from XXXX XXXX XXXX I started to question this and contacted the Department of Education. I was instructed that their is no charge for this process and that this was a scam. The representative told me that these companies claim to be making payments on my student loan when in fact my payment amount is XXXX. She also told me that the consolidation process was free. I am calling this company but no one will return my call. I have disputed this with my bank and have filed a police report with local police. My student loan has not been forgiven like they claim. Please advise.
Consumer complaint received 2024-04-30
Product: Credit card — General-purpose credit card or charge card
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)

I consistently make on-time payments. I'm confident about this. What I'm unsure about is why this company is reporting me as late in certain months, which shouldn't happen. According to USC 1666b, any billing errors should be corrected, otherwise, they will owe me {$1000.00} for each account reporting inaccurately.
Consumer complaint received 2023-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

In accordance with the fair credit Reporting act, has violated my rights 15 USC 1681 ( 5 ). The creditor by law is to report complete and accurate information to each credit reporting agency 15 USC 1681. Also states this law Transunion, XXXX, and XXXX has failed to abide by this law. I have disputed this account multiple times about the inaccuracy on the credit report and nothing has been done. I have called multiple times about this account and nothing has been done. I am demanding deletion of this account due to the inaccuracy on the credit report, as well as the laws that were violated.The creditor names are XXXX XXXX, and XXXX both accounts show and incomplete and in accurate information the balances payment history contract terms account status original creditor information is not shown are not complete and accurate across-the-board with all three credit reporting agencies which is in violation of 15 USC 1681 complete and accuracy
Consumer complaint received 2023-04-10
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: Experian Information Solutions Inc. (TX)

This is in reference to complaint XXXX. Experian responded and stated that the account was verified. I have not been able to get in contact with the company so please provide with whom you spoke with and their contact information. Also, please provide the sufficient documentation regarding account XXXX XXXX ( XXXX XXXX XXXX ). If you can not provide this information then remove this account from my credit report immediately. Please see the attached credit report showing that this account is paid.
Consumer complaint received 2023-12-22
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. (FL)

XXXX XXXX  or XXXX XXXX is not my account and I have been exposed to identity theft, I have never been provided a contract with my signed signature stating I owe this debt. Please delete immediately. I have never done business with any of these company 's not happy.
Consumer complaint received 2023-05-01
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: EQUIFAX, INC. (FL)

I checked again my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
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