davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-12
Product: Credit reporting, credit repair services, 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)

The collection Agency is listed below. In accordance with the Fair Credit Reporting Act XXXXXXXX XXXX XXXXXXXX XXXX XXXX!! **** has violated my rights. By Federal the FCRA they have the verify and provide 100 % proof validation. 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. 11115 U.S.C. 1681 s-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.

This is the very first time see this falsely inaccurate information, I never receive anything documents from this company. They sent the proof of that, That I did not receive this certified mailing from them. But first thing first, That's not my signature on those documents and my name is spelled wrong.The second thing They are crazy enough to send these falsified and inaccurate document to your company. If you look very very closely you will notice that lot of things is very wrong. They sent to your company ( CFPB ) they sent the same document to your company twice one with their signature on it with no date and the same document with my miss spelled name and no date. It looks like to me someone trying to use some kind of pdf software or something.

They did add some kind of date Though. it's Out of place. The third thing is that they sent to your company that the account was created or open on XXXX XXXX, ,but at the same time telling the Credit Bureau the account was open on XX/XX/2020 Do you see what's wrong with this picture? That they are intentionally sending Factified information to your Company and the Credit Bureaus Mainly Trans Union. The fourth thing Trans Union sent me a letter in the mail saying that information was verified., but never send me anything show me that it was 100 % proof that it was verified. no documents at all ... .. discrepancies in information. they know that if any wrong information is on any ones credit report it had to be remove or corrected. It seems to me at the Credit Bureau don't care is the information is accurate or not as long as they get paid.
Consumer complaint received 2024-05-06
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. (IL)

PLEASE BLOCKED AND REMOVED. 
The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.
Consumer complaint received 2023-09-18
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA (OR)

My consolidated Direct federal student loans ( one subsidized, the other unsubsidized ) were held by XXXX XXXX, then transferred to Mohela in XXXX XXXX  XXXX. 

After this transfer, Mohela 's website did not reflect several qualifying payments towards PSLF forgiveness under the XXXX  administration rules. 

XXXX  of these payments I made in XXXX through XXXX towards PSLF at a qualifying non-profit employer, XXXX XXXX XXXX, despite the fact that both XXXX XXXX and Mohela has this information. My Mohela account even reflects that I have submitted the PSLF employer certification paperwork from my employer during that XXXX period, but for some reason, it does not reflect it that information in my PSLF payments. In XXXX XXXX XXXX, I called Mohela, and the phone representative told me to submit PSLF documents again. My employer has not responded to multiple, numerous requests in XXXX and XXXX to reconfirm the information that was already submitted in XXXX - XXXX, and which was counted on my previous XXXX XXXX page. 

Mohela has also refused to count the many years of forbearance steering non-payments that the XXXX  administration has stated will count towards forgiveness, which includes : -Any period in which a borrower spent XXXX  or more consecutive months in forbearance. 
-Any month in forbearance for borrowers who spent XXXX  or more cumulative months in forbearance. 
-Any month spent in deferment ( except for in-college deferment ) prior to XXXX. 

I have several months that qualify under these rules, specifically, XXXX  months, but Mohela still has not counted these months and so far, instead only counting XXXX  months from the pandemic emergency. Mohela claims I need employment certification, but for many of these months, I was unemployed, for others, I already certified, and for some still, I had non-qualifying employers but was steered into forbearance by XXXX XXXX.
Consumer complaint received 2024-05-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (MO)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2024-05-06
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. (TX)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2023-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

I am a victim of ID Theft! After reviewing my credit report recently as I have not used my credit in many years, I have seen a lot of discrepancies on my file. There are multiple accounts that have been opened in my name without my authorization! 

I am filing all the necessary paperwork as I have recently found out about this. 

The following accounts need to removed from my Equifax, XXXX, and XXXX reports as they are unauthorized accounts : XXXX XXXX XXXX XXXX XXXX, XXXX {$2800.00} XXXX  XXXX XXXX  XXXX. XXXX, XXXX {$540.00} XXXX XXXX XXXX XXXX  XXXX. XXXX, XXXX {$300.00} XXXX XXXX XXXX XXXX, XXXX {$580.00} XXXX AND XXXX XXXX XX/XX/XXXX {$310.00} XXXX XXXX XXXX XXXX. XXXX, XXXX {$90.00} XXXX XXXX XXXX XXXX, XXXX {$550.00} XXXX XXXX XXXX XX/XX/XXXX {$740.00XXXX XXXX XXXXXXXX, XXXX XX/XX/XXXX {$850.00} XXXX XXXX XXXX  XX/XX/XXXX {$470.00} XXXX XXXXXX/XX/XXXX {$470.00}
Consumer complaint received 2024-05-06
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. (NC)

how were these accounts verified XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  according to 15 U.S.C. 1681 section 604 A section 2. it states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-05-06
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: Experian Information Solutions Inc. (AZ)

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 uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation 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 2023-05-22
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BARCLAYS BANK DELAWARE (MD)

I recently connected an external account to my two long existing online-only Barclays savings accounts and transferred the funds within one of them out of Barclays without issue, completed on XX/XX/23. On XX/XX/23 I received an email informing me that my account access had been suspended and to contact customer support. Upon contacting customer support I was informed that I needed to supply a copy of the statement of the recently used external account, the requested transaction having already completed. 

I followed the instructions provided to me, emailing a copy of the requested statement to a Barclays email address. 10 days later on XX/XX/23 my account still remained inaccessible with no way of accessing my accounts or the remaining funds. At this point I recontacted Barclays and requested the closure of my accounts. Only during this closure was I able to unlock my accounts and move the money to an external account.
Consumer complaint received 2024-05-06
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. (IL)

The letter indicates that there is a disputed account on my credit report, which I claim was not authorized by me. Despite numerous attempts to resolve the issue by requesting validation of the debt, the company in question has failed to provide any satisfactory evidence of the debt 's legitimacy. I assert that I have no legal obligation to pay the alleged debt and have taken steps to address the matter with both the creditor and the credit bureaus.
Consumer complaint received 2024-05-06
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: Experian Information Solutions Inc. (GA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2024-05-06
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. (MD)

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. My Correct and only name is XXXX XXXX XXXX remove all misspelled names. My correct and current address is XXXX XXXX XXXX, XXXX XXXX, Md XXXX remove all old addresses immediately. 
The following accounts are in violation of 15 USC 1681 : 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
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XXXX XXXX, GA XXXX Email : XXXX To Whom It May Concern, Under 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 and 15 USC 1666B. 

XXXX XXXX XXXXXXXX : Acct # ending XXXX, XXXX : Acct # ending XXXX, XXXX, and any late payments from merchants have violated my rights. XXXX - XXXXXXXX XXXX XXXX XXXXXXXX Balance - {$5.00}, this is incorrect. 

This information is incorrect from XXXX. 

Late Payments aren't supposed to be on a consumer 's credit report and XXXX XXXX XXXXXXXX and XXXX didn't follow the proper guidelines to inform me about late payments on my account. By violating the guidelines of 15 USC 1666B - Timing Of Payments, They didn't send me any notice. They have ruined my credit score of XXXX points and I believe I was targeted. 

Best, XXXX XXXX.
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I need to stress that this complaint isn't a mistake. My credit report has inaccuracies that aren't assured to be the maximum possible accuracy. These errors are really weighing on me and is continuing to affect me negatively in ways you can not begin to imagine, these are trying times and it would be a great help to me, a blessing I must say, if these inaccuracies get corrected and/or removed.
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

I strongly request the immediate removal of this late payment from my account, as it does not accurately depict my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Kindly update my account promptly.
Consumer complaint received 2024-09-10
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 am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act.
Consumer complaint received 2024-09-10
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 : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and 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 2024-09-10
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 : XXXX Account Number : XXXX and 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 2019-02-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Paypal Holdings, Inc (CA)

On XX/XX/2019, I tried to transfer money to my friend through paypal but it always asks for a fee.I called customer service and after over 30 min of wait, the agent said you can do it now while on the phone and I can take care of the fee. After I initiated the transfer, the agent told me the fee can not be waived since it is the fee associated with XXXX XXXX XXXX. I asked to spear to the adviser, the adviser told me the same thing. I asked the manager to close my account next Wed after all my fund has been transferred from paypal to my bank. The manager told me he can do that. But after a couple of min my account was closed and I still have two pending transfers.
Consumer complaint received 2019-06-23
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Franklin Credit Management Corporation (PR)

After being in a foreclosure process, the mortgage company ( XXXX ) sold the property to Franklin Credit Management. I went through a Loss Mitigation process. They accept my application and I was paying in advance the monthly payment. We ( Franklin Credit and I, XXXX XXXX ) sign up a new mortgage arrengement. It was {$410.00} monthly. Payment that I was doing one month in advance. All of a sudden I realize that they were than applying the payment because they made an escrow analysis and the payment was more.It seems that they do it unpurpously because they have allways want to reposes the house. I believe that is the increase on the payment they should notify me in a letter explaining the reason. Those payments has had to be reported as partial payments and they don't, so my record will show that I haven't made a payment at all what is not true. They are charging me late charges, insurance payments and " other charges '' not specify and by the way my account will soon summited to a Foreclosure Procedure. I can feel a bad intention in all of these.Beside the amount of money that the insurance assign me due to Huracane Maria damage is lost. FEMA is carrying an investigation in these case.
Consumer complaint received 2019-06-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GU)

I have been battling USAA for 2 months regarding my account. My account was hacked into twice and the bank is refusing to do a proper investigation. Theyve stated that theres no way someone can gain access to your PIN number which I have discovered is incorrect. Theyve also stated that theyre unaware of multiple attempts into my account which is also false. They have refused to do anything and have actually held me liable for the account being hacked
Consumer complaint received 2024-06-21
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. (GA)

To ensure that your company is reporting accounts 100 % accurately, I would like to know the procedures used to investigate these inaccurate accounts. Did you even conduct an investigation because it is still not reporting 100 % correctly? Its sad that your company would ignore the FTC guidelines in regard to your investigation efforts. I wonder if other consumers are being affected by your lack of investigation. I would like to know to whom you talked with at the collectors office when you started your investigation? Also, please send me their complete address. In addition, please do not send your template letter on how you conduct an investigation. I want details on how you did this. 

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 2023-08-28
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. (TN)

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$170.00} XXXX XXXX Balance : {$100.00} XXXX XXXXXXXX Balance : {$67.00} XXXX XXXX Balance : {$5600.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX Balance : {$170.00} XXXX XXXX Balance : {$100.00} XXXX XXXXXXXX Balance : {$67.00} XXXX XXXX Balance : {$5600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX