davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-30
Product: Debt collection — Other debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: CL Holdings LLC (FL)

I reached out to this current company numerous times pertaining to my credit report. This is an invalid account, invalid debt. This is an FDCPA section 807 Violation misleading false reporting. Under ( 15 ) USC 1681e ( b ), Canceled debt is gross income, does not get reported to your consumer report ; therefore, this is an inactive account, and needs to be delete it IMMEDIATELY!
Consumer complaint received 2023-12-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (OR)

When XXXX loan repayment started up in XX/XX/2023, I noticed that my loan went from 0 % interest to 6.8 % interest. I was very surprised, as my loan was not 0 % interest due to the pandemic, it was at 0 % because I have been paying on this loan for over a decade and had paid down all of the interest prior to the pandemic. Furthermore Ed Financial Services made no attempt to disclose this change to me. This is price gouging and a clear violation of the Truth-in-Lending Act. I tried to reach out to Ed Financial about this and received no response do to " high volume of emails. '' This was over a month ago. I am now paying interest on a loan I had paid all of the interest off on. I will do everything now to pay them off as fast as possible, because I truly don't believe they care about borrowers and will do no thing about this complaint. Warning to other consumers out there, the federal government can and will take you for all of your money. This isn't about repayment its about getting as much money out of consumers as possible.
Consumer complaint received 2024-06-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Credit Karma (RI)

I Initiated a {$7900.00} on withdrawal on my XXXX XXXX to my credit karma account on XX/XX/XXXX. My Credit Karma account was {$250.00} negative but said I had until XX/XX/XXXX to make positive. Later that afternoon on XX/XX/XXXX I get an email stating my credit karma account is frozen. I have already initiated the payment to credit karma so it can not be reversed. They will Not let me speak to a supervisor and are no help in determining what is going on with my account. The money hits my account on Monday XX/XX/XXXX and now I have {$7600.00} dollars in my account that I can not access. I can not reach anyone with power to make decisions. They tell me I my a is due to be closed and I have to wait until someone makes decision and send me an email until I can get my funds back. Looking on XXXX I see a long thread where they close peoples accounts for now reason and hold Funds hostage. How is this legal? They are making interest on my money and not giving me any options to withdraw
Consumer complaint received 2024-05-07
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. (FL)

Account Name : XXXX XXXX XXXX Account # XXXX I'm writing to bring to your attention a troubling issue involving XXXX XXXX and the major credit bureaus TransUnion, XXXX, and XXXX. It's regarding some inaccurate and unverified charge-off information that's hanging around on my credit report like an unwelcome guest.

Despite my best efforts, this charge-off account hasn't been adequately backed up with any solid documentation, despite my repeated requests and disputes. According to the Consumer Financial Protection Act ( CFPA ) [ 12 U.S.C. 5511 et seq. ] and the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681 et seq. ], XXXX XXXX and the credit bureaus are obliged to play by the rules. This includes ensuring that any disputed information on my credit report is thoroughly investigated and supported by proper documentation. 

But here 's the kicker every time I've asked for some proof or documentation to back up this charge-off, I've come up empty-handed. And the responses from TransUnion, XXXX, and XXXX? They've been pretty vague, just saying the info is " verified, '' without showing me any proof. 

This lack of documentation is more than just frustrating ; it's a clear violation of my rights under the FCRA and CFPA. As a consumer, I have the right to accurate and verifiable information on my credit report. The fact that there's no evidence to back up this charge-off raises serious doubts about its accuracy.

So, I'm asking no, I'm demanding that this unverified charge-off be taken off my credit report with TransUnion, XXXX, and XXXX immediately, in accordance with the FCRA and CFPA. If XXXX XXXX and the credit bureaus don't comply, I'll have no choice but to explore all available legal options to seek redress for the damage this has caused.

I'm counting on you to help me out here. Let 's get this sorted and put this whole mess behind us.

Thank you for your prompt attention to this matter. I eagerly await your response and the resolution of this issue. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-12-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (WA)

On XX/XX/XXXX I received the attached communication that my student loan account is past due. Upon logging in to the account, the account is TWO MONTHS past due with an upcoming payment due on XX/XX/XXXX. However, this is the FIRST notification since payments have resumed that there was even a payment due. 

I am disputing these amounts on a separate CFPB complaint but the point of this complaint is that payment due notifications have to be sent on a timely basis when payments are due, not when they are two months PAST DUE.

This is particularly disturbing because based on other communication I received from Ed Financial, my account balance was {$0.00}, so technically I had no reason to log into the account to know there was now a balance due. Other people in this situation will be taken completely by surprise to suddenly see their account is past due. Once credit reporting of late payments resumes, they would also face negative credit reporting.
Consumer complaint received 2023-12-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services (WA)

On XXXX  I submitted an email inquiry to my loan servicer EdFinancial, through their website. 

On XX/XX/ I received the attached email saying they had spoken to me and that my issue is resolved when in fact, I have NOT spoken to EdFinancial and the issue is NOT resolved. No representative has contacted me since I contacted them on XXXX 

In addition, the issue which I emailed about is NOT resolved as of today, XXXX
Consumer complaint received 2024-05-07
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. (FL)

I hope this message finds you well. I am writing to follow up on our ongoing efforts to remove the fraudulent items from my credit report. Despite our previous attempts, I regret to inform you that these fraudulent items still persist on my record.

I kindly request that you prioritize the investigation and removal of these fraudulent items with the utmost urgency. It is imperative to take all necessary steps to rectify these discrepancies in accordance with the Fair Credit Reporting Act ( FCRA ) and other relevant regulations.

I understand that addressing such issues may require time and effort, but I urge you to handle this matter with the diligence and attention it deserves. With this, I am asking for your assistance to remove these fraud items in my credit 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 XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$670.00} XXXX XXXX Balance : {$740.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I recently received a copy of my 3 Bureus consumer report and I noticed some late payments/inaccurate information posted on my consumer report DEPT OF EDUCATION/XXXX  XXXX Balance {$8700.00} DEPT OF EDUCATION/XXXX  XXXX Balance {$7000.00} DEPT OF EDUCATION/XXXX  XXXX Balance {$3800.00} DEPT OF EDUCATION/XXXX  XXXX Balance {$1400.00} XXXX  XXXX XXXX Balance {$2800.00}
Consumer complaint received 2023-05-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

Bank of America closed my business Checking Account in early XXXX and told me that the balance would be sent to me when closing was complete. Apparently there has been an ongoing investigation in the account concerning a couple of wire transfers since XX/XX/XXXX that has held up the disbursement of the funds in this account. The current amount in the account as of the XX/XX/XXXX statement is at {$5800.00}. The wire transfers holding up release of the rest of the funds is {$3000.00}. Since then I have called several times and have been told by Bank of America that all the funds are being held up due to this investigation which is now almost 6 months old. Also the {$3000.00} is no longer technically in the account. It was transferred to a business client for services that the funds were sent by the consumer in the first place. Finally Bank of America gave no warning of the accounts closing and always are vague in their responses to questions.
Consumer complaint received 2023-10-18
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: AMERICAN EXPRESS COMPANY (SC)

I found an American Express credit card statement in the mail XX/XX/ with a balance and late fee of XXXX. I never opened or ever had or applied for an American Express credit card or balance transfer. This is definitely fraud stolen identity and someone opened this other than me. I opened a fraud case with American Express and said would take a month. I am looking and filing every measure to have this irradicated and resolved. It also is showing on my credit report. I will attach billing statement. Once again this is not me and I never received or opened this account. Please assist.
Consumer complaint received 2024-06-04
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. (NJ)

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. XXXX XXXX XXXX ( Original XXXX portfolio first premier XXXX XXXX XXXX XXXX XXXX ) Account Has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C1681 Section 604 A Section 2 it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-05-08
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. (FL)

I have been working with TRANSUNION, XXXX AND XXXX to " block '' fraudulent accounts opened under my name during identity theft. I continue to have the same issues even though I have supplied all of the information required by federal law, and that I was instructed to do so via the FTC and CFPB. 

TRANSUNION : The emailed on XX/XX/year>2024 stating the proof of address was not accepted. I enclosed a bank statement, which is an acceptable form. I will also upload it to this complaint as proof. Transunion is instructed to add this to the packet they received on XX/XX/year>2024 @ XXXX XXXX  via tracking number XXXX XXXX XXXX Has ignored all attempts to correct this information. I have not heard back anything, other than the response to the last complaint on CFPB. XXXX is also instructed to upload the bank statement attached as proof of address to the packet they received on XX/XX/year> @ XXXX XXXX  via tracking number XXXX XXXX XXXX Has completely ignored all request, both via certified mail, CFPB and telephone calls. They repeatedly send me emails saying they are denying my request for blocking. I'm also instructing XXXX to upload the proof of address attached to this complaint. They also received the identity theft packet via certified mail on XX/XX/year> @ XXXX XXXX  via tracking number XXXX All parties receiving this complaint are instructed to process this blocking request in a timely manner, and to the full extent of the law. Failure to do so will result in legal action being filed in court. I've tried over and over again to get this issue taken care of, all of which has been ignored. These credit reporting agencies are very quick to allow someone to steal your credit, but then refuse to fix it. Being that I was part of the DATA BREACH from XXXX, you would think they would take this seriously.
Consumer complaint received 2024-05-08
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. (TN)

In accordance with the Fair Credit Reporting Act ( XXXX XXXX XXXX Acct # XXXX ) has violated my rights. 
15 USC 1681 Section 602 A states I have a right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-05-08
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. (NV)

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 2024-05-08
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. (TN)

In accordance with the Fair Credit Reporting Act ( XXXX Acct # XXXX ) has violated my rights. 
15 USC 1681 Section 602 A states I have a right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX and Transunion are inaccurately reporting an account on my consumer report. On their reports it is showing as late however I was never late ( see attached exhibit a & b ). I have disputed this information before and they are not complying with the FCRA. I have also requested the a description of the methods they used to " verify '' that I was late and they never provided it to me.
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.
Consumer complaint received 2024-05-08
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. (NY)

I looked at my transunion credit report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts listed below are not complete and accurate. I sent a letter asking them to make sure everything is complete and accurate and here is my tracking number ( XXXX ) They sent me the investigation back and said everything is complete and accurate but if you check my attachments everything is not complete and accurate. And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) Promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. And according to this they are suppose to provide me a description of the investigation according to 15 USC 1681i ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving request from the consumer for that description But they did not do that as well, either. According to 15 USC 1681s-2, they are supposed not to furnish any information related to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Accounts listed below : XXXX XXXX Account XXXX XXXX XXXXXXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX
Consumer complaint received 2024-05-08
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. (GA)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/2024, and I have not yet received a response.
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Entrata Inc. (NY)

On XX/XX/year>, I received a rental decision email from XXXX XXXX, an XXXX XXXX company in XXXX XXXX XXXX. This email stated that their third-party credit screening company, Resident Verify, conducted a credit check for my apartment application, which returned an adverse action that neither Resident Verify nor XXXX can explain why this adverse action was taken. I can not explain why this adverse action was taken either and am contacting the CFPB to request an investigation into this matter.
Consumer complaint received 2024-05-08
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. (OR)

Ensuring timely payments on this account has been a priority for me, ensuring they're never overdue. I'm unclear about the reasons behind the reports of late payment remarks on my accounts. As per 15 USC 1666b, billing errors should be corrected.
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XX/XX/2023 shows a late payment, I don't know the amount they claim I owe for that month. 
Its for my XXXX Credit Card. I was setup on a payment plan because I was laid off. XXXX had agreed that I pay {$180.00} for XXXX  months to give me time to find a job etc. I paid as agreed. XXXX stated that they don't report to credit bureau while payment plan is setup. I contacted XXXX through email to ask about the late payment. They said tgey never reported any late payments to the credit bureau and I needed to speak with the credit bureau. I tried disputing online attaching the email correspondence between XXXX and XXXX. I was declined saying information reported is accurate. I then wrote letters asking the credit bureau to remove the late payment and I have received notification that info is accurate. This late payment is XXXX  my XXXX XXXX. I will be trying to buy a home. XXXX help me get this mistake removed
Consumer complaint received 2024-05-08
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.