davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-10
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: GOLDMAN SACHS BANK USA (FL)

Hello My name is XXXX XXXX XXXX, I am a victim of Identity Theft, I was part of the XXXX XXXX, My name, social, drivers license, emails, phone and 1 bank account was breached, the usps post master also stated mail forwarding was in place to several abandoned buildings. 

I went to the Sheriffs Office and filed a report with a Detective. I will attach everything to this email. The XXXX Fraud Specialist has confirmed with me the breach and has deleted the fraudulent accounts. 

XXXX and XXXX XXXX are battling for me against XXXX and XXXXGreensky . Both companies come back as " verified '' even though I have proof I was a victim of identity fraud. 

The 3 accounts with XXXX listed below and 2 accounts with XXXX XXXX listed below are hurting myself ad my family to obtain credit and is causing a great hardship. 

These 2 accounts need to be deleted and stop being reported to XXXX XXXX : XXXX ) XXXX/Greensky Account # XXXX XXXX XXXX XXXX. Fraudulently Opened on XX/XX/XXXX. ( Identity Theft! ). 

XXXX ) XXXX Account # XXXX XXXX XXXX XXXX. Fraudulently Opened on XX/XX/XXXX. ( Identity Theft! ). 

These three accounts are being reported too Experian : XXXX ) XXXX XXXX Account # XXXX XXXX XXXX XXXX. Fraudulently Opened on XX/XX/XXXX. ( Identity Theft! ). 

XXXX ) XXXX/Greensky Account # XXXX XXXX XXXX XXXX. Fraudulently Opened on XX/XX/XXXX. ( Identity Theft! ). 

XXXX ) XXXX Account # XXXX XXXX XXXX XXXX. Fraudulently Opened on XX/XX/XXXX. ( Identity Theft! ). 

Thank You XXXX XXXX XXXX
Consumer complaint received 2024-01-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (PA)

On XXXX XXXX XXXX I paid off both my subsidiary and non subsidiary loans made out to the us department of student loans they were cashed but ed financial services never got the update and have been charging interest and sending me notifications since then I filed a complaint and was told through ed financial services that it would be solved within a month since then nothings been done and when I call student financial services they tell me its the us dept of educations fault when I call them they tell me its Ed finance service problem Im getting the run around and when I just called the complaints office for us dept of education they told me all three departments are all the same under one big umbrella and now my credit scores are being affected I dont understand why all Of this is happening In XXXX XXXX XXXX  the us department of education cashed my checks without any problem but never updated ed financial services
Consumer complaint received 2023-12-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services (CO)

I am a new VA employee enrolling in the federal education debt repayment plan ( EDRP ) for my medical school loans. To enroll, I need my loan servicer ( EdFinancial ) to complete form VA XXXX in a 120 day deadline. This type of request is not an option for uploading documents to their portal. I sent multiple portal requests at the end of XXXX for how to complete this and they did not respond for over two months. When I responded to their message, no one replied. In XXXX and XXXX, I called multiple times to see if they could provide me instructions. They said that they can't help me over the phone and recommended I mail the form. I mailed it and two months later have still received no response or assistance and I have a deadline to complete this form for the EDRP. I called again today and they had no idea if my form had been received. The said " it's hit or miss to mail things '' even though that is what they instructed me to do. They had me upload the form under " military orders '' as no option fits my request ( even though I am not a member of the military ). I am coming up on my deadline and they are not sure when they will have my form completed ( they said hopefully XXXX ).
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am in disagreement with this account listed here which still appears on my credit report, even after your investigation. i would like this account immediately re investigated. The inaccuracies are highly injurious to my credit score. 

XXXX  XXXX In accordance with the fair reporting act, public law 91-506, titleIV, section 611 please provide the names and business addresses of each individual with whom you verifed above so i can follow up. Please send a updted copy of my credit report after your reinvestigation.
Consumer complaint received 2024-06-15
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)

In accordance with the Fair Credit Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXXXXXX {$1100.00} 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-12-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (MS)

EdFinancial Services has been sending me emails ever since I first signed up for student loans back in XX/XX/2021 about making an account and making my first payment, with the total loan amount being {$5500.00}. The problem lies in the fact that I have already been paying off my student loans through a different company ( XXXX ) that was issued to me by the school I attended at that time with an amount financed of {$7000.00} ( tuition for the course I was enrolled in was around $ XXXX, and scholarships knocked $ XXXX off of that ). I finally made an account on the new EdFinancial Services website recently just to see what was going on and EdFinancial still has my loan at the starting amount plus interest and a couple of late fees. I am almost finished paying off my student loans, however, I am still to this day getting emails from them about making my first payment. On credit check sites, the student loan tab continues to have the max amount for it because they cite EdFinancial as my loan provider, but on those sites, state that I have never missed a payment ( which I haven't ). I want to know if there is some kind of mistake behind the scenes or if they are even aware of the current situation regarding my account.
Consumer complaint received 2023-12-16
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: EdFinancial Services (IL)

On my credit report there are several companies on my report that I don't know who they are, and I tried to call them and there was nothing done about it, so I wrote to the names of the financial institution that's on my account, that say they are open in my credit files. XXXX XXXX, XXXX, there are deferent. Names 1. Ed financial has 13 accounts.2. Ed Financial/XXXX has 13 accounts.as well.3. Dept of EducationXXXX has 13 accounts. All of these accounts have deferent account numbers and the same amount on them. now back in XX/XX/XXXX  I was granted Student financial Aid forgiveness now all these companies are on my report. They all have the same amounts of payment on there but deferent account numbers.
Consumer complaint received 2024-06-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

removing any incorrect information from my credit report as specified by FCRA 605B. Could you please review the attached documents? I've noticed discrepancies in several accounts, which is quite concerning
Consumer complaint received 2024-06-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit 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 XXXX XXXX XXXXXX/XX/XXXX 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 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

My account with the XXXX XXXX and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The information listed on my credit report is erroneous which is against state and federal law. According to FCRA you are only to report accuracies on my credit report. This account is aged and past the statute of limitations which is XXXX years. XXXX continues to keep adding this account to my credit report every other month. This account was opened in XXXX and wrote off by XXXX in XXXX. I am requesting a civil liability for willful noncompliance ( 15 U.S Code 1681n ).
Consumer complaint received 2024-07-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (GA)

I was scammed but spoof callers claiming to be the bank ( wells fargo ) they had me pull out money using my atm card and send it off via XXXX XXXX in the amount of {$13000.00} This has caused great hardship and also risk if eviction
Consumer complaint received 2024-06-17
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. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Trans Union LLC Consumer Dispute XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. 
Under the FCRA, unverified or fraudulent accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
I demand the following accounts be verified or removed immediately. 
Fraudulent Account Company 's Name 1-XXXX XXXX XXXX XXXX 2-XXXX XXXX XXXX By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX  enacted XXXX Metro 2 COMPLIANCE regulations , I demand that these above mentioned derogatory items be investigated and permanently removed from my report.as they are Fraudulent account. 
I await your reply with the above requested proof. Upon receiving it, I will correspond back with yo. certified mail.
Consumer complaint received 2024-06-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXXXXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX  : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit 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  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 2024-06-17
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. (VA)

I requested to the credit bureau on XXXX that the information that they are sharing concerning a bankrupt incorrect and also they did not have my permission to share my information nor did they have permission form the courts. I also wrote to the courts asking if they shared my information concerning a bankruptcy to the credit bureaus they stated that they do not share any information with any third party credit bureaus.
Consumer complaint received 2024-06-18
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. (NV)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. 
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 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-06-15
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. (TX)

HELLO MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. SOMEONE USED MY PERSONAL INFORMATION TO FRAUDULENTLY OPEN ACCOUNTS IN MY NAME. THE ACCOUNTS THAT WERE OPENED ARE : XXXX XXXXXXXX XXXX XXXX XXXX. XXXX OPENED : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX. XXXX OPENED : XX/XX/XXXX CAPITAL XXXX # XXXX XXXX. XXXX OPENED : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX OPENED : XX/XX/XXXX
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am in disagreement with this account listed here which still appears on my credit report, even after your investigation. i would like this account immediately re investigated. The inaccuracies are highly injurious to my credit score. 

XXXX XXXX XXXX  account number XXXX In accordance with the fair reporting act, public law 91-506, titleIV, section 611 please provide the names and business addresses of each individual with whom you verifed above so i can follow up. Please send a updted copy of my credit report after your reinvestigation.
Consumer complaint received 2024-06-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I was utterly shocked and devastated upon discovering unauthorized credit inquiries made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, present evidence of explicit authorization for each inquiry, disclose all communication exchanged, share internal records, confirm identity verification measures, and demonstrate compliance with relevant laws.
Consumer complaint received 2024-06-17
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. (NJ)

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.