davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDOT BUREAS HABE NOT REMOVED FRAUD ACCOUNT ITS BEEN MORE THAM 30 day they are in violation of the " FAIR CARES ACT '' SELF FINANCIAL/LEAD BA XXXX LATE PAYMENTS Balance details Paid off - Balance - Balance updated - Original balance {$520.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Secured Loan Payment summary XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX - XXXX - PAYMENT HISTORY LEGEND Status Paid, Closed. 
Status updated XX/XX/XXXX Original balance $ 520 Monthly payment - Last payment date XX/XX/XXXX Additional info XXXX XXXX XXXX 24 Months XXXX sold - Original creditor - Comments Account paid from collateral Your statement **CONSUMER STATEMENT** Y ITEM DISPUTED BY CONSUMER Contact info Address XXXX XXXX XXXX KANSAS XXXX XXXX MO XXXX XXXX number ( XXXX ) XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.
Consumer complaint received 2024-07-29
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. (LA)

I am writing to express my concern regarding the disputed accounts on my credit report. Despite raising the issue of inaccuracies multiple times and consistently requesting thorough investigations, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. 

The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. 

With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

XXXXXXXX XXXX  is inaccurately reporting payment history and fails to provide closed account data. I have requested them to provide me with the payment history and closed date and they do not provide me with the details. They are reporting CO on mulitliple months and that is unfair credit reporting. I have asked Experian to update or remove. They do not and they do not provide me with correct information either.
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-07-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 2023-08-15
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (TX)

I am an XXXXXXXX and received XXXX gift cards from XXXX XXXX XXXX as a gift for being on their XXXX XXXX XXXX. 

They sent me one {$50.00} gift card in XX/XX/XXXX and another {$50.00} gift card in XX/XX/XXXX. 

The gift card numbers are as follows : XXXX XXXX I have attempted to use both cards to purchase school supplies for the new school year on XXXX, XXXX ( a local TX grocery store ), XXXX, and my school district website, and both cards do not work at any of these locations ( online or in person ) that I actually shop at. As per the AMEX website 's directions, all of the online merchants I attempted required me to enter the Card number, expiration and security code, but they still didn't work. 

I checked the balance of both cards at https : //balance.amexgiftcard.com/ # /help  and both cards have the full amount I was gifted. I called the " Help '' number twice XXXX and received no help. The call center workers both gave the same answer : I can not use the gift cards at XXXX or the other stores I tried because of fraud protection, those merchants are unauthorized. I asked why would commonly used stores like XXXX, XXXX, and XXXX be considered unauthorized merchants, and the workers said that is what their system says and they can not help me further. I asked if I could have a physical gift card instead of the eGift card ( in hopes that a physical card would work better ), and they said they can not give me anything. I asked if they could " unblock '' the merchants that I frequently shop at since I am verifying that it is myself and not a thief who is trying to use the cards I was gifted, and they said they can not. I asked how they CAN help me to use the {$100.00} worth of gift cards that I have, and the man said to try another merchant, but he wouldn't give me a list of approved merchants AMEX eGift cards allows and doesn't block. 

I'm extremely frustrated because I can not use this very much needed money to buy things I need for XXXX XXXX and it's just sitting in my email - useless. I feel cheated and scammed and I want access to the funds I was gifted without having to jump through so many hoops.
Consumer complaint received 2024-05-13
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)

Months ago, I have sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

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 2023-07-12
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: EQUIFAX, INC. (NY)

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDOT BUREAS HABE NOT REMOVED FRAUD ACCOUNT ITS BEEN MORE THAM 30 day they are in violation of the " FAIR CARES ACT '' TOWN OF HEMPSTEAD EM 15 LATE PAYMENTS Balance details 37 % paid off Balance {$1800.00} Balance updated XX/XX/XXXX Original balance {$3000.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Installment Payment summary 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - XXXX XXXX - PAYMENT HISTORY LEGEND Status At least 120 days or more than XXXX payments past due Status updated XX/XX/XXXX Past due amount {$1500.00} Original balance {$3000.00} Monthly payment {$96.00} Additional info Responsibility Individual Account Terms 36 Months Company sold - Original creditor - Comments CUSTOMER UNABLE TO LOCATE CONSUMER FIXED RATE Your statement - Contact info Address XXXX XXXX XXXX XXXX XXXX NY XXXX Phone number ( XXXX ) XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.
Consumer complaint received 2024-07-29
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. (TX)

I received a response from the credit reporting agencies indicating that the investigation of these accounts was completed and the items were verified and updated. However, my credit report still contains multiple inaccuracies. 

Under 15 U.S.C. 1681i ( 7 ) regarding the Method of Verification, I am entitled to understand the verification process conducted by your agency. I demand a detailed account of every step taken to ensure the accuracy of these disputed items. 

Despite these investigations, my credit report continues to reflect discrepancies.
Consumer complaint received 2024-07-29
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. (CA)

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 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I am 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/year>, and I have not yet received a response.
Consumer complaint received 2023-09-18
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: EQUIFAX, INC. (CA)

Back on XX/XX/XXXX, I submitted disputes to the XXXX credit bureaus as there was information on my credit report which I don't believe was accurate. I sent a letter to XXXX XXXX to XXXX XXXX XXXXXXXX XXXX, PA XXXX. I sent a letter to Equifax to XXXX XXXX XXXX XXXX, GA XXXX. And I also sent a letter to XXXX at XXXX XXXX  XXXX XXXX, TX XXXX. 

Since then, I never received any responses or notices back. Because I never received any responses or notices back after almost 60 days, I sent them another round of disputes on XX/XX/XXXX asking for the same investigations and corrections to my credit report. Once again, I didn't receive any notices or responses. I have active credit monitoring, so I know if they have at least attempted to investigate accounts as I would be notified that accounts were under dispute or that disputes have been resolved. That didn't happen either. 

Here we are in XXXX, and I have yet to receive any letters from anyone, in regard to my disputes. Since I'm tired of waiting, and because I'm not going to send a third round only for the same thing to occur or rather in this case to once again not occur, I decided to let you know so maybe you could help me in obtaining investigation results for my disputes. That's not too much to ask for, is it?
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please blremove these files. 
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
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

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 : US DEPT ED Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number XXXX XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2024-08-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WEBSTER BANK, NATIONAL ASSOCIATION (NY)

We were married on XX/XX/XXXX by Officiant XXXX XXXX at our home in XXXX in the State of New York. ( SS # XXXX XXXX and XXXX XXXX ) We made a correction in XX/XX/XXXX to report XXXX 's Divorce in XXXX, which was corrected in XX/XX/XXXX as reported by XXXX Town Clerk XXXX XXXX by letter from NYS DOH. We had submitted by certified mail to NYSDOH their form for mail in Application for Copy of Marriage Certificate on XX/XX/XXXX with our check # XXXX routing # XXXX account # XXXX made payable to NYSDOH for {$30.00}. The amount was debited from the Webster Bank ( Sterling ) on XX/XX/XXXX. ( see attached check image front and back ) Note that the check image provided by Webster has no time stamp for deposit or NYS DOH agency identification. There appears to be a hand written account number XXXX and stamp For Deposit Only XXXX.. On XX/XX/XXXX we issued a USPS certified letter of inquiry ( # XXXX ) to the NYS DOH records department to inquire on the status of the processing of our certificate with copies of the paperwork and check image provided by Webster Bank . We made phone inquiries to NYSDOH to inquire about receipt and deposit of the check, but were told there is no accounting department by the woman answering the call for the Commissioners phone number. We did not receive a response to date from NYS DOH or the certificate. We had explicitly asked that a case be opened to investigate the transaction which was discussed with XXXX XXXX, Webster Banking Center Manager and XXXX XXXX. To date we have not been provided a case number and were told by XXXX XXXX " we can't give any information because the department doesn't disclose it '' When we asked for a case number XXXX XXXX stated : " I am not going to cooperate with you ''. Webster Bank permitted the funds to be removed from the account against this check as indicated on the online bank ledger, so how could they not know who received the funds? Is XXXX XXXX XXXX in possession of the original check? Did NYS DOH receive the funds that were debited against this check? Who is in possession of the original check?
Consumer complaint received 2024-07-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc. (NJ)

I had a federal student loan serviced by XXXX. On XX/XX/2024 I had submitted an application to the Department of Education to change my income driven repayment to plan to the SAVE plan. XXXX  acknowledged receipt of the form on XX/XX/XXXX and issued a statement on XX/XX/XXXX that incoming correpondnace was subject to a delay. In XXXX the account was placed on an administrative forebearance as the account was in " paid ahead status '' and they needed to, on their end rectify this. A letter from XXXX  stated at that time ( XX/XX/XXXX ) the account would be switched to a new IDR. It has since not been. 

On XX/XX/XXXX a federal court ruling froze further processing of SAVE plan applications and provided benefits such as forbearance and zero interest on accounts that had successfully been enrolled in the SAVE plan. XXXX  has since transferred my account to AidVantage which has no record of the application. The Department of Education is also showing the application is in processing status. 

Calls to XXXX  have been unclear and XXXX, a rep I spoke with yesterday ( XX/XX/XXXX ) provided information that seemed to contradict what I had been reading on the Department of Education site. She offered no solution and claimed pending application would be subject to the forbearance and zero interest freeze. AidVantage agreed to review the matter but disclosed they are unable to process SAVE plan applications due to the court ruling. Meanwhile the account is currently accruing interest when in fact it had XXXX  processed the application in a timely fashion its would not be accruing interest. 

The customer service at XXXX  includes long wait times ( I spent over two hours on two separate calls trying to resolve the issue only to be told information that may have been inaccurate from XXXX and not offered a reasonable resolution to the mater ). The account remains in the same status and I essentially may be forced to pay several XXXX dollars in interest that I would have not have to pay had XXXX  carried out this obligation in a timely fashion several months ago rather than passing the issue off to a new servicer. I imagine I am not the only student borrower in this predicament based upon the unclear communication and poor service this organization offers.
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I been trying to get TransUnion to verify the source of verifier back to me they have failed to, to report back to me. I contacted the XXXX XXXX Bankruptcy Court ask if they verify with the credit reporting agency, XXXX XXXX Bankruptcy Courts sent saying they verify or report to the credit bureaus or any other agency. Ive included proof of a letter from the XXXX XXXX Bankruptcy courts. 
Also XXXX has responded saying the information was unverifiable so deleted the Bankruptcy from my Credit report and also XXXX, thats also stated it is unverifiable and has deleted it from my credit report so should Transunion.
Consumer complaint received 2024-08-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

I have notified citizens bank about unauthorized transactions ( fraud ) on my account for MONTHS now. They have refused to give me back my money they were to protect for me and I now have proof that my information/data was breached by XXXX XXXX XXXX wireless ( attached ). I need the unauthorized transactions removed and my funds returned to my account immediately. There is also a " miscellanous charge '' in the amount if {$190.00} on XX/XX/year> that is unauthorized and fraudulent as well. I need this corrected immediately. Thanks.