davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-05
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Alliance Collection Agencies, Inc. (IL)

I am repeatedly receiving phone calls from this company regarding an alleged collection account. 

I have never done business with this company and have never shared my personal identifying information with this company. 

Obtaining and using my personal identifying information without my express written permission is a form of identity theft. Reference XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - a person commits identity theft when he or she knowingly : uses any personal identifying information or personal identification document of another for the purpose of gaining access to any record of the actions taken, communications made or received, or activities or transactions of that person, without the prior express permission of that person.
Consumer complaint received 2024-01-19
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. (IL)

This is my final dispute with Transunion before I file suit against the company for violation of my rights namely their failure to investigate a consumer dispute and due a thorough and reasonable investigation. Instead they simply just accepted what was told to them when they sent the dispute to XXXX. 

This account is currently in federal court under litigation for their violations, however Transunion is equally liable for their failure to review my dispute and I have plans to file suit if this account is not removed IMMEDIATELY. 

I have attached copies of both disputes as well as the Federal Lawsuit against them... I will be seeking damages from Transunion for these violations as this inaccurate information has caused serious damage to me as a consumer.
Consumer complaint received 2024-06-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (CA)

Mohela the Loan Servicer -- inaccurate records and harassment 1 ) Requested reconciliation after credit report that balance had gone up during forbearance period -- - nothing provided -- 2 ) Made payment on due date -- - there is no grace person to allow for their processing and they go beyond the 2-3 day they say and then harness me for late payment 30 They ignore the payment I made on the due date and send emails for that amount and the next payment being due even when it is not due to the beginning of the next month. 
When I final got to someone, they said I was current on payments but email still were sent. 

I'm XXXX and a XXXXXXXX XXXX  who took out a loan for my daughter 's education. I have paid over half the loan and never missed a payment. Mohela does not answer calls promptly and is not responsive to complaints.. Cause me and my family lots of stress. 

Not right -- - its not right!!!!
Consumer complaint received 2024-05-20
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 writing to dispute the validity of the debt collection attempts made by your agency.I am unaware of this debt and have not had an opportunity to dispute it due to lack of proper notification.It is my right, under the Fair Debt Collection Practices Act ( FDCPA ), to be properly notified of any debt before collection activities begin.If you believe that I received proper notification, I kindly ask that you provide the certified mail with a receipt containing my signature confirming receipt of the notification letter. Without such evidence, I dispute the claim that proper notification was provided.Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), I request that you investigate the following unauthorized credit card account : I have never applied for or authorized the opening of this credit card account. I want to make it clear that I have never signed or applied for this account. As such, I request that you provide me with documented proof of the signature associated with this account. This proof may include, but is not limited to, a signed application form, a copy of the original contract or agreement, or any other documentation bearing my signature.Furthermore, the reported dates of last reporting and active status for this account are inaccurate. I request a thorough investigation into these discrepancies.This is fraudulent reporting! 
Creditor Name : XXXX  XXXX XXXX Credititor Address : XXXX XXXX XXXX XXXX XXXX, Texas ( XXXX ) XXXX
Consumer complaint received 2024-08-14
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Upgrade, Inc. (NC)

Subject : Formal Complaint Against Upgrade Inc for Fraudulent Charges Dear Sir/Madam, I am writing to formally lodge a complaint against Upgrade Inc regarding fraudulent charges made to my account following the loss of my card. Despite my prompt reporting of the incident and subsequent filing of a police report, Upgrade Inc has stated they found no evidence of fraud, which I strongly dispute. 

On XX/XX/XXXX, I discovered my card was lost and immediately reported it. Following this, I noted several unauthorized transactions on my account. The details of the fraudulent charges are as follows : {$2800.00} Given the circumstances, I urge the Consumer Protection Bureau to investigate this matter thoroughly. It is unacceptable for a financial institution to disregard the seriousness of fraudulent activity and the potential implications for consumers. 

Thank you for your attention to this serious issue. I look forward to your prompt response. 

Yours sincerely, XXXX XXXX
Consumer complaint received 2024-08-20
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nelnet, Inc. (IL)

Both of my Student loans were purchased by an new Student Loan company. The previous company is still reporting delinquent payments even though it is showing a {$0.00} balance. I have reached out to both my current and previous Student Loan companies to find out why it was reporting. I first spoke to my Student Loans. After explaining the situation to them, they said I had to contact the previous company. I then, got off the phone with them and proceeded to call them. The previous company said that I had to call the current company to fix the situation. I asked both companies when the Student loan was sold or bought and no one can give me a strait answer. The only help that the previous student loan holder offered was for me to file a dispute to get this off of my credit report.
Consumer complaint received 2018-10-15
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. (CA)

am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft XXXX XXXX   XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX   ( ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX ),
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc. (FL)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my SBNASELFLNDR XXXXXXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2023-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CarMax, Inc. (MD)

Carmax admitted to loosing my contact there for I was not in the system and couldnt pay my car note for 6months after purchasing and they are trying to hole that against me. 

I started paying my car note on time once I was in the system. 

They are trying to get me to pay for my care note twice in one month when that wouldve never been the case if they didnt loose the contract and failed to respond to me for months at a time They want ( {$1200.00} ) for one months payment when my car note is half of that payment for one month They are holding their mistake on me, they are reporting 9 late payments on my car and tanking my credit,
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after XXXX  days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-09-29
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (IN)

I applied for a Paypal Credit Account through Synchrony Bank on XX/XX/2023. On XX/XX/2023 I received a denial letter stating " We regret that we are unable to approve your request at this time for the following reasons : No open real estate secured loans in your credit file ... '' Is this legal?
Consumer complaint received 2018-04-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (FL)

i wanted to pay my cc bills down before the start of the new year of XX/XX/XXXX. i made 2 payments to barclay priceline rewards card ( please see attached payment history ). i made a payment on XX/XX/XXXX for {$100.00} and a second payment on XX/XX/XXXX for {$1000.00}. i attempted to make another payment in XX/XX/XXXX but their payment system was down and didn't accept my payment. i explained this to barclay and was told its my fault i should have made other payment arrangements. however ; i really didn't owe a payment because i had already made my payment early at the end of XX/XX/XXXX.  but they still refused to move the negative 30-59 days late from my credit report. this little stunt on their behalf caused an 35-45 point drop in my credit score which  killed my chances of obtaining construction financing for my new home.please help me.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

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 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-05-20
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. (CA)

I am the victim of identity theft, and did not authorize opening the XXXXXXXX XXXX credit card. My credit report says I owe {$640.00}, but I did not authorize opening this account. I pay all my bills I owe on time and XXXX XXXX keeps reporting me in a negative manner even though I am a victim of identity theft. I have been trying to dispute this directly with XXXX XXXX but they keep dismissing my claim and disregarding my rights. 

I have filed a police report regarding this account which I have included in this complaint.
Consumer complaint received 2022-06-06
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Confusing or missing disclosures — 
Company: Block, Inc. (NY)

I finished a job for a client in the amount of {$270.00} the square company put my payment on hold. since I use them to accept debit card payments and within 4 hours I got a email saying my account was deactivated and I had to wait 90 days to get my money. With all this they restricted access and I cant call or chat with them regarding the issue so I sent a email to them and they havent got back I believe this to be fraudulent as they are holding my hard earned money I worked for- for 90 days plus my account was deactivated without any explanation
Consumer complaint received 2024-08-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (NY)

I had my credit pulled and a was notified that a debt from XXXX XXXX XXXX XXXXXXXX was created XX/XX/year>. There's XXXX charges. XXXX for {$320.00}, XXXX for {$890.00} and XXXX for {$4700.00}. I do not recognize any of these debts. I did not go to college during that time and never authorized loans through the XXXX XXXX XXXXXXXX. Those are fraudulent charges. I want them immediately abolished. I want the institution to acknowledge these are fraudulent charges and absolve the debt. I also want the debts and subsequent penalties from said accounts removed from all credit reporting agencies. This includes but is not limited to XXXX, XXXX, XXXX and all of the FICO agencies.
Consumer complaint received 2024-08-06
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: LAKEVIEW LOAN SERVICING, LLC (DE)

I am filing this complaint against Lakeview Loan Servicing LLC due to several serious issues with my mortgage account. The problems I have encountered include : 1. **Failure to Provide Proof of Debt : ** - Lakeview Loan Servicing LLC has failed to provide adequate documentation proving that I owe the alleged debt. Despite multiple requests, they have not furnished the necessary evidence to substantiate the claim against me. 

2. **Improper Handling of Earned Interest : ** - The company has not appropriately utilized or transferred the earned interest associated with my principal 's account. This interest should have been credited to my account, yet it appears to have been mishandled or neglected altogether. 

3. **Wrongful Pre-Foreclosure Action : ** - Lakeview Loan Servicing LLC has taken pre-foreclosure action against me, even though my account should have been discharged. As a federally protected consumer, I am entitled to certain protections that the company has disregarded, resulting in unwarranted stress and financial harm. 

These actions by Lakeview Loan Servicing LLC have caused significant distress and financial hardship. I believe their conduct is not only unethical but also potentially in violation of federal consumer protection laws. 

I request that the CFPB investigate these issues and take appropriate action to ensure that Lakeview Loan Servicing LLC complies with all applicable laws and regulations. Specifically, I seek the following resolutions : - Provision of clear and accurate proof of the alleged debt. 
- Proper crediting or transfer of the earned interest associated with my principal 's account. 
- Cessation of any wrongful pre-foreclosure actions and correction of any related records. 


I require the following Supporting Documents : - Copies of correspondence requesting proof of debt. 
- Account statements showing earned interest. 
- Documentation related to pre-foreclosure actions. 
- Any other relevant documents.
Consumer complaint received 2023-08-25
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. (WI)

Please remove this inquiry from my credit report as it is not associated with me in any way. I did not make this inquiry and have no affiliation with the creditors involved. I request that this inquiry be promptly removed from my credit report.
Consumer complaint received 2023-04-20
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. (TX)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : 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 open XXXX XXXX XX/XX/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 XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am writing to formally complain about TransUnion 's inadequate investigation into a dispute I filed regarding incorrect information on my credit report. Despite providing substantial evidence, TransUnion failed to address or correct the inaccuracies in my credit file appropriately. My accounts should reflect the same information across all credit bureaus. From what I see this is not the case. I sent a dispute before this one acknowledging the fact that I wanted to dispute the accounts below that I'm re-disputing because I didn't receive a response back about my last dispute. Please look into my concerns. The information reporting is not accurate as as a result I am requesting it be addressed. XXXX : Account number : XXXX, This account is inaccurate. Remove this account ASAP. XXXX XXXX  : Account number : XXXX, I was never late. Update this on my report. XXXX XXXX | XX/XX/2022 : Account number : N/A, I never authorized these inquiries. Update this on my report. XXXX XXXX XXXX Account number : XXXX, This debt is stating it is a charge off with a balance of {$0.00}. The debt was forgiven. How can it be a charge off? This is no debt to charge off. Remove this account ASAP. XXXX XXXX XXXX : Account number : XXXX, This account is paid and never late. Update this on my report. XXXX XXXX : Account number : XXXX, I dont recall ever being late on this account and the information reporting on this account isnt reporting accurately. Update all the late payments to paid on time. XXXX XXXX : Account number : XXXX, I dont recall ever being late on this account and the information reporting on this account isnt reporting accurately. Update all the late payments to paid on time. As quickly as possible, the information needs to be removed from my report if you find that the information reported in incomplete, inaccurate, and unverifiable. Due to the lack of responding to my prior dispute one can assume that this falls under estoppel by silence. Since this seems to be the case I would appreciate the adherence to my request involving these accounts. There has been a grave mistake in your reporting because the material is false and deceptive.These inaccuracies have significantly harmed my creditworthiness, affecting my ability to secure credit and favorable financial terms. I request the CFPB to investigate TransUnion 's handling of my dispute, ensure a proper investigation is conducted, and mandate the correction of any inaccuracies in my credit report. Attached are copies of all relevant correspondence and evidence. Thank you for your prompt attention to this matter.
Consumer complaint received 2023-08-08
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately Listed below are the Accounts that are being challenged XXXX - XXXX
Consumer complaint received 2023-09-01
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. (NJ)

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.