davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-08
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. (NY)

I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report with the reference number : XXXX, which is enclosed with this correspondence.By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : XXXX  ( Original XXXX XXXX XXXX  ) : Account number : XXXX, I was a victim of identity theft. 
XXXX XXXX  ( Original XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX ) : Account number : XXXX, I was a victim of identity theft.
Consumer complaint received 2024-05-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

In XX/XX/year> I asked XXXX ( XXXX XXXX XXXX ) to give me the info on how they received my info along with the original contract since they own an acct with my name on it. I sent the letter certified and asked to receive a response in 30 days. I received neither! I asked All three credit bureaus to verify this info and to verify how they got in info and they STILL have not gotten back with me. Its been about 75 days!
Consumer complaint received 2024-04-26
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)

I have reached out to TransUnion and XXXX numerous times to report fraud is with theft and that inquires made on my credit report have been made fraudulently but neither company has removed the inquiries causing financial hard ship and endangering my livelihood
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Advanced Resolution Services Inc. (NY)

I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report with the reference number : XXXX, which is enclosed with this correspondence.By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : XXXX  ( Original XXXX XXXX XXXX  ) : Account number : XXXX, I was a victim of identity theft. 
XXXX XXXX  ( Original XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) : Account number : XXXX, I was a victim of identity theft.
Consumer complaint received 2024-02-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Federal Credit Control, Inc. (OH)

FIRST FEDERAL CREDIT CONTROL {$520.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Ask for the ownershipand validation of debt and was never provisded to myself or XXXX, Need to remove it.
Consumer complaint received 2024-04-26
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)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account XXXX : XXXX XXXX  Account XXXX : XXXX
Consumer complaint received 2024-02-08
Product: Prepaid card — Payroll card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Payfare International Inc. (FL)

On XX/XX/XXXX at XXXX tried using XXXX XXXX XXXX XXXX or payfare to order food from restaurant. Entered all information and I was told I entered wrong information. I had XXXX XXXX XXXX  in my hand entered all info and again was told I entered wrong info and they suspended my account. Called payfare card with no help from customer service. They directed me to check email. They wanted picture of ID or driver license. And picture of my holding license which I did. Still no help. I called again just to be told same thing. So I can't get paid thier holding my past pay of {$28.00} and won't help or respond or just turn my account on.
Consumer complaint received 2024-02-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Payfare International Inc. (OH)

I contacted XXXX XXXX provided through XXXX XXXX this morning at XXXX hrs XXXX I was told they have no way of seeing if a direct deposit was initiated. They told me to contact payroll. For me that is XXXX as I work for the XXXX XXXX XXXX. Received a Trace XXXX from them and was instructed to give that to my bank. Contacted them again and was informed there was nothing they could do and to wait XXXX additional business days from my direct deposit date. I receive this allotment every XXXX weeks and have for the past couple years with it hitting the account on the direct deposit date every time. The last deposit was received XX/XX/2024. Im unable to get any clarity on where these funds are or if pending. Thank you
Consumer complaint received 2024-04-26
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)

Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. code 1666 ( b ) billing error- ( 4 ). The creditors failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor.
Consumer complaint received 2024-02-06
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: Rocket Mortgage, LLC (OR)

Similar to the credit reporting agencies, upon asking questions, which agents either dont want to give answers to, or dont know the answer, suddenly calls get disconnected, and its like my file then has DO NOT ANSWER attached to my number. With XXXX card, ROCKET MORTGAGE, and many others, these XXXX seem the worst, where they just avoid or quickly call is disconnected and any attempts to further investigates ends up wasting an entire days with no thing completed. This raises the question, how many people are being seriously harmed, ok, and providing collateral, to receive nothing in return? To be mislead, misinformed, deceived, and neglected, this behavior is a violation of many issues here, and the administrate procedures here are leaving many in financial predicaments and seriously harming not only my livelihood, but also reputations, and EMOTIONAL DAMAGE.
Consumer complaint received 2024-04-26
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. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-04-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint is not handled accordingly. Cause you know guys, I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items. I attached a letter I previously sent.
Consumer complaint received 2024-03-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION (FL)

This is a continuation of my previous complaint. My account continues to be charged {$900.00} a month when I have called several times to try and cancel this payment. Truist 's online bill pay service doesn't show any record of the payment but my account continues to end up overdrawn due to the payment. On XX/XX/2024 I noticed the payment had processed again so I called at approximately XXXX XXXX ET. I reached the fraud department who offered to charge me {$35.00} to issue a stop payment. I refused that option because this issue has already cost me too much in fraudulent overdraft fees. I will be attempting to close all of my Truist accounts tomorrow.
Consumer complaint received 2024-04-26
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)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2022-07-20
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. (PR)

Yesterday I received a notice from Aidvantage stating that my student loan payments will resume on XX/XX/2022 but the moratorium on student loan payments is until XX/XX/2022.
Consumer complaint received 2024-04-26
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. (CA)

I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY (MA)

The account in question does not belong to me, and I have no knowledge of its existence. 
Therefore, I am requesting its immediate removal from my credit report. 
I have taken the necessary steps to address this issue by filing a report with the Federal Trade Commission ( FTC ) regarding the fraudulent nature of this account. Additionally, I have provided all relevant documentation to support my claim of identity theft. 
Under the Fair Credit Reporting Act, I am entitled to an accurate credit report free from any fraudulent or unauthorized accounts. It is imperative that this matter be resolved promptly to prevent any further damage to my credit history. 
I kindly request that you conduct a thorough investigation into this matter and take appropriate action to remove the fraudulent account from my credit report. 
Thank you for your prompt attention to this matter. Please inform me of the steps taken to rectify this situation.
Consumer complaint received 2023-06-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Management Corporation (VA)

This is a collection company. They bought out a account and when I've ask for verification and not validation, they only send computer generated replies. Still show no proof that the account belongs to the account holder. They are a debt collection agency that buy accounts without full verification. Again I'm asking for them to send VERIFICATION and not validation that account belongs to the account holder.
Consumer complaint received 2024-04-26
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. (CA)

I lodged a complaint with these XX/XX/XXXX, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more thanXX/XX/XXXX days since I filed a complaint with these XX/XX/XXXX, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2024-03-23
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (TX)

I am writing to file a formal complaint against pro collection for inaccurately reporting a debt on my credit profile. In XX/XX/2023, I contacted pro collection to inform them that the {$2900.00} debt that they had reported on my credit profile did not belong to me. Despite my request for validation of the debt, pro collection failed to provide any evidence that the debt was indeed mine. 

I have requested multiple times for pro collection to remove the debt from my credit profile, as it is negatively impacting my credit score. However, they have refused to do so without any proof that the debt is legitimate and belongs to me. 

I would like to request that pro collection provide concrete evidence that I am responsible for the debt in question. As of now, I have not received any verification from them to support their claim. 

I am seeking the assistance of the Consumer Financial Protection Bureau in resolving this issue and requesting that pro collection remove the inaccurate debt from my credit profile. I have attached copies of all communication and documentation related to this matter for your reference.
Consumer complaint received 2024-03-23
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Phoenix Recovery Group (TX)

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 Financial Protection Bureau XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Complaint against Phoenix Recovery Group To whom it may concern, I am writing to file a formal complaint against Phoenix Recovery Group for inaccurately reporting a debt on my credit profile. In XX/XX/2023, I contacted Phoenix Recovery Group to inform them that the {$5500.00} debt that they had reported on my credit profile did not belong to me. Despite my request for validation of the debt, Phoenix Recovery Group failed to provide any evidence that the debt was indeed mine. 

I have requested multiple times for Phoenix Recovery Group to remove the debt from my credit profile, as it is negatively impacting my credit score. However, they have refused to do so without any proof that the debt is legitimate and belongs to me. 

I would like to request that Phoenix Recovery Group provide concrete evidence that I am responsible for the debt in question. As of now, I have not received any verification from them to support their claim. 

I am seeking the assistance of the Consumer Financial Protection Bureau in resolving this issue and requesting that Phoenix Recovery Group remove the inaccurate debt from my credit profile.
Consumer complaint received 2024-04-26
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. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section XXXX XXXX XXXX XXXX  if these items are not investigated within XXXX days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-04-26
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. (NC)

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Payfare International Inc. (TX)

I received an email on XX/XX/2024 from XXXX, that a background check had been run on me at the request of XXXX. I was never notified about this request nor did I give permission for this to be given to XXXX. This is a blatant violation of my rights and I want to take action to prevent this from happening again and to make sure that XXXX as well as the background check company are punished to the full measure of the law. This can not be allowed to go unchecked and an example must be made so all companies who would think to do this are made aware of the consequence.
Consumer complaint received 2024-04-01
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Continental Finance Company, LLC (NY)

Approved for card XX/XX/24 Received card and paid XXXX service fee for activation on XX/XX/24 Card was NOT activated. 
Spoke to company by phone on XXXX Confirmed they received payment by XXXX rep., other rep said they didn't receive payment. 
Was told to email XXXX and show proof of payment in which this writer did with no response. 
Spoke to rep XXXX who hung phone up on me and never called back.
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.
Consumer complaint received 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TN)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you XXXX have for this request. 
XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023