davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-27
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (PA)

I opened a new XXXX XXXX by Barclays bank. This company charged me a fee for overnight shipping and did not tell me that it would be {$15.00} fee. I did not request expedited shipping for this card. I was not home and would not request a credit card be delivered without my being within 2 states of my home. I called the credit card company and they sent me to multiple call centers in different countries and did not seem to understand my complaint. I would like the {$15.00} removed from my bill as well as make sure other consumers are not placed into the same position being stuck on hold for almost an hour. Yes, it's just {$15.00} but I'm sure they do this to a lot of consumers who would just pay it. Unfortunately, they agent from Barclays could not provide documentation of me agreeing to this.
Consumer complaint received 2023-11-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (WI)

I have been making payments to my loan provider Edfinancial services and it would go through but my payments keep getting reversed back to me so it made me behind on my payments. My bank information is correct and its hard to contact Edfinancial services. Other people have had this problem in the past.
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

Since XX/XX/XXXX I have been trying to get a XXXX credit card. I keep getting a report that says they are unable to process the request because there is a lock on my Transunion account. I have contacted Transunion every time I think this is at least the XXXX time this has happened. They ask if I have checked the other credit bureaus ( which I have ) even though the report I get specifies Transunion. I have even recently gotten a new credit card through XXXX from XXXX XXXX. 
Today XX/XX/XXXX I called Transunion asked for a manager, explained the situation and was told to check with the other credit bureaus. I then confirmed Transunion, XXXX, XXXX, and XXXX ( XXXX ) show my account is not locked. But when I applied today I received ( Lift your credit freeze so you can apply again. We couldn't approve your application. Contact Transunion to lift the freeze, then you can come back to reapply. 
Contact Transunion XXXX to transunion.com Call ( XXXX ) XXXX ) If you can not help me please inform me where to go from here. Thank you
Consumer complaint received 2024-07-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ENCORE CAPITAL GROUP INC. (CA)

I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THAT THERE ARE ACCOUNTS THAT ARE NOT MINE. PLEASE REFER TO THE ATTACHED IDENTITY THEFT REPORT AND DELETE THE ACCOUNTS AS SHOWN BELOW. I HAVE SENT DISPUTE LETTERS ON and filed a police report XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX Account # : XXXX XXXX Account Type : Collection Collection Account Type - Detail : Collection Collection Bureau Code : Individual Individual Account Status : Derogatory Derogatory Monthly Payment : - - Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$9600.00} {$9600.00} No. of Months ( terms ) : - - High Credit : {$9600.00} {$9600.00} Credit Limit : - - Past Due : - - Payment Status : Collection/Charge off Collection/Charge off Last Reported : XX/XX/XXXX XX/XX/XXXX Comments : Account information disputed by consumer, meets FCRA requirements Customer disputed account - reported by subscriber. 
Date Last Active : XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2024-05-31
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: AMERICAN EXPRESS COMPANY (PA)

XXXX separate fraudulent transactions stole approximately {$32000.00} from my American Express National Bank Account. The Bank created XXXX separate ticket items for these thefts. The Bank did not provide provisional credit within XXXX  days as required by law. The Bank then denied each theft claiming an investigation that they did not make. Additionally, American Express alleged that I took out a business loan for {$74000.00} that I did not make. They deposited the {$74000.00} into my XXXX Bank Account. The thief of my funds then tried to transfer {$69000.00} of the loan funds back into my AMEX XXXX Account to presumably steal that money. I froze the XXXX account to prevent it. I authorized AMEX to take back the {$74000.00}, but they failed to do so. AMEX then closed the loan investigation without resolution.
Consumer complaint received 2024-08-22
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: Experian Information Solutions Inc. (CA)

I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Transunion and the other two credit bureaus show a Federal student loan on my report that has been transferred to XXXX from Dept of EDXXXX . However, the credit report still reports that the account is still under the Dept of Ed/ XXXX. The account has been transferred to XXXX since XX/XX/XXXX   and should be paid in full. Transunion states that the information listed on the account is correct, which shows the balance of {$19000.00}. However, when I contacted XXXX, they said the account balance was XXXX. Additionally, XXXX, who is the new servicer, doesnt show up at all on any of the three bureaus, and after contacting XXXX , they stated that the last time they reported was on XX/XX/XXXXXXXX XXXX
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DIGITAL FEDERAL CREDIT UNION (MA)

in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late on any purpose As you may be aware, this section mandates strict permissible purposes for accessing and reporting consumer credit information. The presence of these late payments on my credit report constitutes a violation of this statute. Consequently, I am requesting the immediate deletion of these late payment entries from my credit report to rectify this error and ensure compliance with federal regulations.

Please confirm in writing the deletion of the late payment entries within 30 days of receipt of this letter. I appreciate your prompt attention to this matter and look forward to your swift resolution.
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

The existence of these fraudulent particulars constitutes a breach of the regulations outlined in 15 USC 1681C-2. I am submitting a formal request for the eradication of these unauthorized and illegal inquiries from my credit report. These deceitful inquiries not only present a misleading depiction of my credit history but also subject me to significant risks concerning my financial stability and reputation. It is imperative to promptly resolve this matter to safeguard my creditworthiness and preserve the integrity of my credit report. Consequently, I am seeking the expeditious removal of these fraudulent inquiries to reinstate the accuracy and reliability of my credit profile.
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

After carefully analyzing my credit report, I noticed several inaccuracies as it relates to negative accounts, employment history, names/spelling and addresses where I have never lived. I've reached out to one company in question, which is called the XXXX XXXX. They are stating that I leased and actually lived there. However, this is inaccurate. I have been a resident at my current home since 1994, which is where I have lived since birth along with my parents. I am requesting that the following inaccurate information be removed from my credit report as this is affecting my score and ability to obtain new credit with different creditors. In accordance with the Fair Credit Reporting Act, everything must be 100 % accurate on my credit report and under 15 U.S. Code 1681e ( b ) and U.S. Code 168i ( 5 ) these accounts are in violation of not reporting 100 % accurate. The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies shown in my report? As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C 1681i ( 7 ) Method of verification-Description of reinvestigation procedure. I have included documentation to verify my correct information. I thank you in advance for your prompt cooperation. Thank you.
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Credit Karma ()

I have a CreditKarma account that shows me whenever there is a credit inquiry, expense or deposits. 
It also shows me a credit score for XXXX and XXXX through use of XXXX XXXX calculations. 

I also pay XXXX every month to report my rental and utility payments to rating agencies. They also show me my XXXX credit score using XXXX XXXX calculation. 

Based on these and suggestions from CreditKarma app, I applied foXXXX XXXX XXXXXXXX XXXX $ deposit Secured Card in XXXX. They sent me a letter asking me to submit id proofs and proof of address. I faxed these around XXXX. I faxed them twice as they also demanded another additional proof of utility payment. When they did not respond after XXXX working days I called them on their customer care number and was informed that backoffice could not identify my face clearly on the DL that I faxed. I was told on XXXX to fax it again before end of the week. I received an Adverse Letter from them stating my XXXX XXXX was not present and also my application was incomplete. They sent this via email by XXXX XXXX on XXXX without waiting for me to refax my documents as per their request. Since they did another hard inquiry for the same score, I lost further points on XXXX according to CreditKarma. 
They still show that I am eligible for XXXX credit card. 

Either Credit Karma and XXXX using XXXX XXXX calculation and giving me XXXX credit score of Good as attached is WRONG OR XXXX XXXXXXXX calculations are WRONG OR XXXX showing my credit score of XXXX on all XXXX rating agencies is WRONG. 
In any case XXXX had access to all these reports and despite knowing my XXXX rating was XXXX they still performed another hard inquiry and kept my documents illegally, kept me waiting and not letting me know the status of application accurately despite me calling several times and then incorrectly responding. They played with my emotions and harassed me all this long just to ignored a credit card application that they never intended to approve. 

If XXXX  XXXX is lying about my XXXX scores being Invalid or Non existent, then Credit Karma, XXXX and XXXX XXXX are all culpable of this crime in falsifying records and present incorrect information to consumers to just make sure they sell Credit Cards of unsavoury unprofesssional companies like XXXX. 
Why else will they be offering me XXXX XXXX XXXX eligibilty on their apps when the score is non existent.
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information. In doing so, this plus my XXXX and XXXX is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. 

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I have already sent mail out and it has been over XXXX DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed at :
Consumer complaint received 2023-12-09
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. (FL)

I sent out a letter to TransUnion and XXXX demanding that they remove 3 unauthorized and fraudulent accounts that were reported to collections. The accounts in play were sold to a 3rd party vendor, which means they are NOT the original creditors. Thus, resulting in the the letter I sent out. Letter was sent out XX/XX/2023, and they received it XX/XX/2023. According to section 609 ( a ) ( 1 ) ( A ) of the fair credit reporting act, it states that ALL credit bureaus are required by federal law to verify, through the physical verification of the original signed consumer contract, any and ALL accounts that you post on a credit report ''. It has been well over 30 days, and the accounts are still present. And they also violated 15 U.S Code 1692c ( a ), I never game them consent to communicate with me in any way. They have been harrasing me for months.
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a 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 2023-07-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aldous & Associates, PLLC (NY)

I am writing to express my concern regarding the conduct of Aldous & Associates, a collection agency that has been handling an account in my name. Despite my repeated attempts to address the matter and dispute the accuracy of the account, Aldous & Associates has failed to comply with applicable laws and has disregarded my rights as a consumer, and has committed multiple violations of the ( FDCPA ) and ( FCRA ). 

Despite multiple disputes, I have received no written communication, ever, from Aldous and Associates regarding the debt prior to reporting to the CRAs, prior to the letter I received on XX/XX/XXXX, which is a clear violation of 15 U.S.C. 1692g ( a ) ( 1 ). 

I have disputed the accuracy of the account both verbally and in writing, prior to receiving the aforementioned letter. Aldous & Associates has consistently failed to address or acknowledge my dispute, which is a direct violation of 15 U.S.C. 1692g ( b ). This disregard for my rights as a consumer and the agency 's duty to investigate the disputed account is unacceptable. 

Noncompliance with Cease and Desist Request : On XX/XX/XXXX, I sent Aldous & Associates a formal letter stating my refusal to pay the debt and explicitly instructing the agency to cease all communications with me, as is my right under the FDCPA. However, the agency sent me a letter on XX/XX/XXXX attempting to collect the debt, completely disregarding my refusal to pay and my request to cease all communications. This clear violation of 15 U.S.C. 1692c ( c ) reflects a blatant disregard for the law and my rights as a consumer.
Consumer complaint received 2023-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Nelnet, Inc. (KY)

The company Nelnet changed my payment history this year XXXX XXXX from all on time payments to late or missed payments from the months XX/XX/XXXX-XX/XX/XXXX. They just decided that somehow I was late on payments that I have been on income repayment program since I withdrew from the university and they loans had been credited back to The Dept of Education. Back in XXXX, I withdrew before the new semester started and have proof the loans were sent back. When I contacted Nelnet about the issue they said they only collect payment for the dept of education. I emailed copies of my student ledger showing the payments back to the loan but they have not dont anything to correct the loan on my credit report. 

I also was a victim of the Nelnet data breach when so many borrowers had their social security number stolen among other things.
Consumer complaint received 2024-09-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc. (PA)

This Collection Company, EASTERN ACCOUNT SYSTEMS is fraudulently reporting a Collection account with a balance of {$130.00} on my Credit Report. I have never done any business with EASTERN ACCOUNT SYSTEMS nor do I have any knowledge of this account. I have no knowledge of who this Collection Company is that is Violating My Consumer Rights and Federal Law. I have never given the Collection Company any authorization or consent to contact me, access my private information, or report on my Consumer Profile in any capacity. I have alerted this Collection Company to cease communications with me and to cease violating my Consumer Report with this false account reporting. This is another example of Illegal, Abusive and Fraudulent Collection Agencies attempting to capitalize off of Consumers with false account information. My Private Information was stolen and breached by this Collection Company and this Collection Account must be REMOVED/DELETED from my Report immediately because it is NOT MINE and I have NO KNOWLEDGE of its existence.
Consumer complaint received 2023-12-09
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. (KS)

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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.