davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-28
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. (CA)

Credit Bureaus refuse to investigate dispute for INACCURATE REPORTING on accounts listed in this complaint. 

In my case Furnishers are reporting differently to all three credit bureaus for the same account/tradeline, regarding the following categories. Date Opened, Balance, No. of Months ( term ), High Credit, Credit Limit, Past Due, Payment Status, Last Reported, Comments, Date of Last Active, Date of Last Payment and Two-Year History?

The Credit Bureaus then reports these errors, inaccuracies, and incompleteness on my credit report ( see proof credit report enclosed ). According to Fair Credit Reporting Act, 15 U.S.C. 1681 my credit report must be Accurate and Fair.
Consumer complaint received 2023-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Dear Equifax I see that you verified the account listed below : XXXX | XX/XX/2022 : Account number : N/A, Account status is misleading : showing different per bureau. I need this fixed ASAP. 30 days should be enough. 

I just finished reviewing the FCRA and it stated that your company was supposed to respond to my disputes within 30 days. What happened? It also stated that if you can provide a timely response, the items in question must be deleted. I demand that you delete the items above ASAP. If you choose not to follow what the FCRA states, I will seek legal advice on this matter. Please send me an updated credit report with all items listed above deleted.

I know you will do the right thing. Im just a person just like you trying to fix the inaccurate items on my credit report, but I will protect my rights if I have to. 

Please DELETE THE ITEMS ABOVE, AND SEND ME AN UPDATED FULL CREDIT REPORT AND NOT A PARTIAL REPORT. 

Have a nice day.
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I looked at my Transunion credit report on XXXX XXXX and noticed some things are incomplete reporting. 
This list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681 XXXX XXXX XXXX ACCOUNT # XXXX AKA XXXX XXXX Whenever a consumer reporting agency prepares a consumer repost it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15USC 1681 E B.

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general lf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-12-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (NY)

I'm writing to express how deeply annoyed and dissatisfied I am with the way your bureau has handled my complaints about identity theft. I have tried numerous times to fix this problem, but I have never received a satisfactory response or action from you. 

I was the victim of identity theft, and because of the unauthorized accounts and transactions that showed up on my credit report, I had to deal with a lot of emotional and financial difficulties. I reported these fraudulent acts to your bureau, and in order to prove my innocence and support my assertions, I sent all the required paperwork along with thorough explanations. 

But, a very long time has passed since I first brought up these issues, and I still haven't received a satisfactory answer or resolution. In addition to causing me a great deal of stress, this delay has had real detrimental effects on my financial security. Because of errors on my credit report, I have had my credit applications denied, my interest rates increased, and I have been harassed by debt collectors nonstop. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I implore your agency to investigate my identity theft complaints thoroughly and promptly. I demand that you give my case top priority, look into this matter thoroughly, and get rid of the bogus accounts and activities from my credit record as soon as possible. I also want regular information on the status of my claim and a well-defined deadline for its conclusion. 

I think it is my right as a customer to have my complaints taken seriously and swiftly addressed. I'm ready to seek legal advice and take this issue up with the relevant regulatory bodies if your bureau doesn't respond satisfactorily in a fair amount of time. I want to make sure that justice is done.
Consumer complaint received 2024-05-29
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)

PLEASE BLOCKED AND REMOVED. 
I kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation. Attached are the necessary documentation to support my position. I appreciate your prompt attention to this matter and your efforts to correct this issue by removing the account from my credit report. Your swift response to this concern is greatly appreciated.
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hi. i have not been able to view my credit report/dispute items via XXXX portal since XXXX. Please refer to previous CFPB complaint id XXXX. Transunion stated that there was a technical issue and they have resolved it. As of Today, this has been resolved. I have to physically call and request a copy every time I get an identity alert from XXXX id protection services. ( I was involved in XXXX XXXX XXXX ) It is imperative that I have the capability to view my report online to address these matters immediately. Furthermore, Transunion States its reports are Available ( Online ) to ALL Consumers upon request.
Consumer complaint received 2023-10-20
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)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2023-11-01
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA (TN)

From XXXX, XXXX, I was only enrolling in two to one hour per semester at XXXX XXXX  Therefore, I was attending less than half time, so I would not have been eligible for an in-school deferment. I also did not request an in-school deferment during this timeframe. Since I did not request an in-school deferment, I was under the assumption that my student loan payments were paused due to the COVID-19 payment pause. I graduated from XXXX XXXX in XX/XX/XXXX, and the months after graduation were also not counted. I was also penalized for the six months after graduation. 
However, when I applied for the Limited PSLF waiver, I was told by Mohela that three of my loans would not be eligible for forgiveness due to an in-school deferment that I did not apply or qualify for. As a result of this, I have hanging loans or three loans that were not forgiven during the Limited PSLF Waiver. This is my twenty second year in education, and I have a qualifying employer, The Limited PSLF Waiver for was submitted prior to the deadline in XX/XX/XXXX. Your support with this would be greatly appreciated.
Consumer complaint received 2023-10-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (NJ)

I opened a claim with Wells Fargo Bank, they keep giving me misleading inaccurate information. I called about 15 times in regards to my claim. And been told something different, from every claims rep. 1st time they closed my claim and told and i told them i had my receipt with supporting info. Then a supervisor reopened the claim and told me to email the supporting document. I email the document and then told i should have sent it pdf, after 11 days. As of today I resent the document as a pdf. They have been less than forthcoming and appears to be not helpful in my dispute. I requesting to speak to a member of management, as of yet haven't heard back. 

Claim # XXXX
Consumer complaint received 2024-06-24
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: TOYOTA MOTOR CREDIT CORPORATION (FL)

Mazda financial services opened an account for someone in my name, and I demand the repossession and account to be removed from my credit profile for incorrect information and reporting. I have been homeless, jobless, and alone since XXXX. Never owned a vehicle.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ME)

Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to bring to your attention a recurring issue I have been facing with TransUnion regarding identity verification during login attempts and accessing annual credit reports. 

Every time I try to log in or access my annual credit report, TransUnion prompts me for identity verification, which leads to a dead end. Despite repeated attempts, I am unable to proceed due to this obstacle. Additionally, when attempting to connect with chat support for assistance, I am informed that they can not access my identity verification information. 

This frustrating loop of being unable to verify my identity and access essential services from TransUnion is concerning and has hindered my ability to manage my credit information effectively. 

I urge the CFPB to investigate this matter and intervene to ensure that TransUnion addresses this issue promptly and provides a seamless process for identity verification and access to credit reports. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services (AL)

I have been trying for several weeks to get in touch with Ed Financial regarding my loan ( which first payment is due XX/XX/23 ) I have sent them messages and have also called with a wait time of 360 minutes several times. I entered my phone number to keep my place in line and have someone call me back and I only received one call back and when I answered they hung up. I have done this multiple times and have never received a call back since. I have some questions as I was supposed to have a grace period of 6 months after my son graduated ( graduated in XXXX ) which should make my first payment due in XXXX not XXXX. I have completed an application for direct consolidation of my loans. I have not hear anything back on my application. 

While typing this I just received a call from Ed Financial at XXXX XXXX I answered the call and said hello and nobody said anything and then I was disconnected. 

I have read several reviews with the same complaints from people stating they have not received any calls back from Ed Financial. 

I have questions as I am new to the student loan process and the lack of communication with Ed Financial is discomforting. 

Something needs to be done in order for people to obtain the answers they are looking for. 

Thank you.
Consumer complaint received 2023-12-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Dovenmuehle Mortgage, Inc. (NY)

I trust this letter finds you well. I am writing to bring to your attention an issue I have identified on my credit report pertaining to the reporting of late payments. After a thorough review, it has become apparent that there are inaccuracies in the representation of my payment history.

I acknowledge that maintaining accurate and up-to-date credit information is crucial, and I am committed to ensuring the integrity of my credit history. However, I have identified instances of late payments on my credit report that I believe to be inaccurately reported.

I kindly request that your bureau conducts a thorough investigation into these inaccuracies and, if necessary, corrects or removes the reported late payments from my credit report. It is important to me that my credit report accurately reflects my financial responsibility and standing.

Enclosed with this letter, please find any supporting documentation or evidence that may assist you in your investigation. 

DOVENMUEHLE/XXXX XXXXXXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or DOVENMUEHLE/XXXX XXXX XXXX customer service representative .

I understand that the resolution of such matters takes time, but I kindly request that you expedite the process and provide a written confirmation of the corrections or removal of late payments from my credit report within [ reasonable timeframe, e.g., 15 business days ] from the date of receipt of this letter.

I appreciate your prompt attention to this matter and trust that your organization will uphold the standards of accuracy and fairness in credit reporting.
Consumer complaint received 2024-07-28
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. (DE)

I have XXXX collections from Affirm, opened on XX/XX/XXXX for account number ( XXXX ), XX/XX/XXXX for account number ( XXXX ), and XX/XX/XXXX for account number XXXX XXXX  ) in the year 2022. These accounts were fraudulently opened in my name by my ex-boyfriend, XXXX XXXX, without my knowledge or consent. He assured me that he would repay the loans, but he has not done so. Despite my efforts to contact him over time, I have lost touch with him over the past year.
Consumer complaint received 2023-10-31
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: KEYCORP (CT)

-- -- -- NOTICE TO PRINCIPAL IS NOTICE TO AGENT, NOTICE TO AGENT IS NOTICE TO PRINCIPAL -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- I HAVE CHOSEN TO EXERCISE MY RIGHT TO CREDIT AS DEFINED UNDER 15 1602f WITH KEYBANK AND HAVE PERFORMED A CREDIT CARD APPLICATION WHIHC HAS BECOME A SECURITY FOR KEYBANK. I ON BEHALF OF PRINCIPAL ACCEPT ALL RIGHTS, TITTLES, EQUITY AND INTEREST. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -NOTICE IT IS FACT I HAVE EXERCISED A RIGHT WITH KEYBANK ALLOWING KEYBANK TO OBTAIN MY CREDIT CARD FOR THE SOLE PURPOSE OF EXTENDING CREDIT AND HAVE BEEN DISCRIMINATED AGAINST DUE TO BEING DENIED CREDIT UNDER THE ECOA FOR EXERCISING A RIGHT. THERE IS NO FEDERAL LAW THAT STATES A CONSUMER CAN BE DENIED A RIGHT BASED ON A FAIR ISAC CORPORTTION SCORE. THIS ADVERSE ACTION HAS CAUSED HARM IN MY DAY TO DAY LIFE AND HAS EVEN LEFT A FALSE NEGATIVE REMARK ON MY REPUTATION WHICH WILL FURTHER HURT MY RIGHT TO CREDIT. KEYBANK HAS OBTAINED MY CREDIT CARD AND CREDIT CONSUMER APPLICATION ( SECURITY ) BUT HAS FAILED IN EXTENMDING ME ME MY CREDIT NOW IN VIOLATION UNDER 15 USC 1644 AND THE SECURITIES EXCHANGE ACT OF 1934. KEY BANK HAS FAILED TO DISCLOSE TO ME AT THE TIME OF APPLICATION OF MY FEDERAL RIGHT TO RECISSION UNDER TRUTH IN LENDING SO NOW UNDER THIS ACT MY DEAD LINE IS NOW 3 YEARS. SINCE KEYBANK HAS CHOSEN TO DENY ME A RIGHT BUT OBTAIN MY SECURITY WITHOUT EXTEND BACK TO ME CREDITS I HEREBY EXERCISE MY RIGHT TO RECIND MY " ORIGINAL '' CREDIT CARD APPLICATION WITH KEYBANK.
Consumer complaint received 2024-02-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (PA)

I do not have a contract with this company they have no permissible purpose or written instructions for me to produce this collection on my credit report I'm requesting validation and a purchase forward flow agreement to prove I own this debt to this company LVNV FUNDING llc See attachments below
Consumer complaint received 2024-05-24
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: EQUIFAX, INC. (TX)

I submitted an FTC report to Equifax informing them that inaccurate inquiries were reporting on my credit report. Please remove the following inquiry : XXXX XXXX XX/XX/year>. Please reference CFPB complaint XXXX and remove inquiry in 7 business days.
Consumer complaint received 2024-02-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NJ)

LVNV Funding LLC through their agents, employees, representatives, has commited aggravated identity theft. They have obtain my non public personal financial information without my authorization or consent. I have never done business with them, do not have any contract with them and they opened an account on XX/XX/2023 and reported this account to my consumer report. There is no Privity of contract. LVNV FUNDING LLC through, their agents, employees, representatives are attempting to extort me for money ( payment ) which is a crime under title 18 of the United States Code. I did not receive any notices from them as required by the Fair Debt Collection Practices Act. They also do not have Proof of the existence of this alleged debt and outstanding balance, proof of a contract verifying LVNV Funding LLC can legally collect, and proof that LVNV Funding LLC is the current holder of the instrument which created the debt with my original blue ink signature. LVNV Funding LLC is violating the holder in due course clause pursuant to Uniform Commercial Code 3-302 ( a ) ( 2 ). A debt cant be transferred or sold when past due or in notice of dispute. This fraudulent account on my credit report has made my score plummet and this is causing so much damage. I refuse to pay any debt to LVNV Funding LLC and I do not consent or authorize for LVNV Funding LLC to have access to my nonpublic personal information as they are third parties and I never did business with them. 
I have reported this to the Federal Trade Commission.
Consumer complaint received 2024-05-25
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. (CA)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.