davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-17
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)

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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts 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. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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. 

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2023-10-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Law Office of Linda Strumpf (FL)

Linda Strumpf is a debt collection attorney who has tried more than once to collect on a credit card that I have never used. I am on social security and each time I sent the exemption form to Ms. Strumpf and the bank after my savings account was frozen. Previously the funds were released. This time after sending the form twice, there was a levy check issued against my account. I am XXXX, alone and have no other source of income. I need this money returned to me. 

ATTACHMENTS Image ( XXXX ) .jpg ( XXXX KB ) Image ( XXXX ) .jpg ( XXXX KB ) Please see the previous complaint XXXX Nothing in Ms Strumpf 's response is true.
Consumer complaint received 2023-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: ENCORE CAPITAL GROUP INC. (VA)

I have paid in full the balance owed to midland credit management via a court ordered garnishment in XXXX. My last payment to fulfil the balance was XX/XX/XXXX23. I have disputed account as account paid in full, and the company declined mine request and noted on XXXX I failed to make a payment for XX/XX/XXXX2023 and XX/XX/XXXX2023 when that information is invalid.
Consumer complaint received 2023-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (LA)

I am a victim of identity theft and I have noticed some unauthorized inquires unverified and unauthorized items must be removed. I have attached the items I would like to dispute below as well as the copy the report I received. The items I am disputing do not relate to any transactions that I have made or authorized. Please remove this information at the earliest possible time. I have never been associated with the social security ending in XXXX that is furnished on my report as well as addresses and inquiries below. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I HAVE ALSO NEVER BEEN ASSOCIATED WITH THESE ADDRESSES LISTED BELOW AND OLD OR INACCURATE ADDRESSES FURTHER PUTS ME AT RISK FOR IDENTITY THEFT IF ANYTHING GETS MAILED THERE. 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 XXXXXXXX. THIS IS DEFAMATION OF MY CHARACTER AND I WOULD LIKE ALL UNAUTHORIZED ADDRESSES AND INQUIRES REMOVED FROM CREDIT FILE. ACCORDING TO 14 U.S.C. 1681 g ( a ) ( 5 ) A CONSUMER REPORTING AGENCY SHALL NOT FURNISH TO ANY PERSON A RECORD OF INQUIRIES IN CONNECTION WITH A CREDIT OR INSURANCE TRANSACTION THAT IS NOT INITIATED BY A CONSUMER.
Consumer complaint received 2023-10-17
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP (AZ)

On XX/XX/XXXX I had to change my automatic payment data with Elan financial due to a security issue with the account payments were made from. 
From that time on when logging into the account, I was faced with a banner that stated the automatic payment could not be made by the time it was due and I was advised to make a manual payment. 
Since the payment was due on XX/XX/XXXX, I submitted a manual payment on XX/XX/XXXX. That payment was processed and {$2600.00} was taken from my account as I directed. Elan financial then submitted a second payment and withdrew another {$2600.00}. 
Obviously the message that Elan gave me was false and do to their false information, they wrongfully took that money from my account. I discussing this with Elan, they said they could not guarantee when the money would be returned to my account. Regardless of when the money is returned, this is a case of fraud, using false information to obtain money they are not entitled to.
Consumer complaint received 2023-10-17
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: Experian Information Solutions Inc. (VA)

XXXX listed in my Experian credit report that I have XXXX self-reported accounts with them when I have never had any dealings with them. Reportedly my earliest account was XX/XX/2021. I called them and gave them their false information, including the account numbers they listed in my report, and asked them to call me, but they didnt. In XXXX I filed a complaint with the XXXX XXXX XXXX which handled the complaint and said that the information would be deleted from my account. However, today, XX/XX/XXXX when I checked my experianXXXX, I saw that the false information was still on my credit report. I never applied for credit with them and never gave them permission to access my credit account.
Consumer complaint received 2023-10-17
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. (FL)

The following accounts I have disputed and have not received results : XXXX - XXXX {$2200.00} XXXX XXXX XXXX XXXX {$50.00} XXXX XXXX {$4900.00}
Consumer complaint received 2023-10-17
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: NAVY FEDERAL CREDIT UNION (FL)

I have no knowledge of these accounts these hard inquiries are a result of identity theft. 

15 U.S. Code 1681c2 - Block of information resulting from identity theft
Consumer complaint received 2023-10-17
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: Experian Information Solutions Inc. (IL)

On XX/XX/2023 I disputed multiple charges on my credit account I formally wrote these letters myself not using any AI or third party credit cleaning services I sent these letters off via USPS certified mail in the letters I am asking for my original copy of the contract with the companies stating that I would pay them or my signature stating that I gave consent to have my debit sold to these companies. On XX/XX/2023 8 days after making the dispute I received an automated email to my dispute claim that my claim has been closed and the collections was placed back onto my account, I did not receive any correspondence that I asked for but instead the creditors calling me asking for money after I asked them for the original contract with my signature they told me it will stay on my credit report and hung up Experian did not due a full investigation but instead responded back to me in 8 days and closed my dispute without providing me with any of the things I stated to prove that this debt is mines and I am in response of said debit and instead of sending me a letter they rushed used a robot through an email and not through US mail and also didn't even utilize the full 30 day investigation and made a final decision within 8 days.
Consumer complaint received 2023-10-17
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. (MI)

XXXX XXXX XXXX in accordance with the Fair Credit Reporting act XXXX Account # 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 genisys credit union. I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Consumer complaint received 2023-10-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (GA)

LVNV HAS CONTIONUSLY DEFAMED MY CHARACTER BY REPORTING EROONEOUS INFORMTION TO THE REPORTING AGENCIES EVEN AFTER I HAVE DISPUTED AND SHOWED PROOF THAT THIS IS ERRONEOUS INFORMATION THE AGENCIES WILL NOT REMOVE/DELETE THIS INFORMATION BEING REPORTED BECAUSE LVNV CONTINUES TO STATE THAT IT MEETS THE FCRA BUT WILL NOT PROVIDE VERIFICATION OF HOW THEY ARE MEETING THE FCRA THIS IS A VIOLATION OF MY RIGHTS AND IF THEY ARE NOT TO BE HELD ACCOUNTABLE THEN WHAT ARE THE LAWS PUT IN PLACE FOR THEY HAVE XXXX ACCOUNTS THAT THEY HAVE PURCHASED ARE THEY EVEN IN THE RIGHTS TO COLLECT ON THESE ACCOUNTS WHICH IM NOT CONCERNED WITH BECAUSE THEY ARENT ANY RELATION TO ME AT ALL I HAVE BEEN GOING BACK AND FORTH WITH THIS AND AT THIS POINT ITS TIME TO REACH OUT TO CFPB AND MY ATTORNEY BECAUSE THEY HAVE VIOLATED ON NUMEROUS OCCASIONS AND I HAVE PLAYED NICE BUT IN THE MIDDLE OF CLOSING ON A HOME FOR MY FAMILY THEY WONT TO REINSERT THEMSELVES WITH THIS AND NOT INVESTIGATE FULLY AND PROPERLY THEN I DONT KNOW WHAT ELSE TO DO I LOOK FOR A REPLY AND A REMOVAL/DELETION OF THE ACCOUNT LVNVXXXX LVNV-XXXX IMEDIATELY
Consumer complaint received 2023-10-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (AZ)

A total of 29 unauthorized charges, and another 34 amounting to {$1200.00}, and {$1600.00} were made on my cards starting XXXX XXXX XXXX Despite filing numerous disputes with my bank Chime Financial , they quickly reject all of them without providing any evidence to support their decision. The merchants associated with these transactions do not exist, making it difficult to gather relevant information about the issue. From the start, their treatment of my claims has been subpar. Despite informing them and verifying the accuracy of my claims over the phone twice, they still included valid transactions in the initial claims without making any corrections. Despite multiple communication attempts via phone and email, they never delivered on their promises. I personally discovered that certain transactions were conducted in XXXX and XXXX. Being a sole parent residing in Arizona, this situation is particularly concerning for me especially when they say they have a zero liability policy. I have been fighting with them for 3 months and I was credited back for 3 of the unauthorized transactions but not the other multiple unauthorized transactions from the same merchant.
Consumer complaint received 2018-04-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.Q. DATA INTERNATIONAL, INC. (TX)

IQ Data International is reporting to XXXX, XXXX, and XXXX XXXX   that I have an outstanding balance with XXXX  Apts for {$2600.00}. I have spoken with the manager at XXXX apartments, XXXX XXXX- ph # XXXX, and she tells me that I resolved my balance with their community. I have explained this to IQ Data Systems, but they are telling me that they will not take this collection account off of my credit report unless I pay them {$2300.00}.
Consumer complaint received 2023-10-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ray Klein, Inc. (OR)

This is a debt created by a XXXX  XXXX that the XXXX center failed to get prior authorization from the Department of Veteran Affairs office. I was able to obtain the pre authorization for the surgical center to bill against but they had sent the debt to collections. They are not supposed to bill a Veteran who receives medical care from the Veteran Affairs office from an approved medical center. This is not my debt, this debt belongs to the VA.
Consumer complaint received 2024-04-04
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. (FL)

Hello these companies has been reporting fraudulent accounts. Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX and Transunion Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. ACCOUNTS : 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
Consumer complaint received 2020-07-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (NC)

I was contacted by Convergys debt collection stating I allegedly owed a debt to them and was asked to pay {$3200.00}. I told them I had never heard of them or never had any business with them. They explained they were collecting a debt for XXXX and they needed me to pay it. I contacted XXXX and I was informed they didnt have any of my information that the file had been sent to convergys in Texas. I have sent police report to XXXX in XX/XX/2020. I have repeatedly asked XXXX/Convergys through mail to validate what it is they are referencing. As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature.
Consumer complaint received 2023-10-17
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. (AZ)

On XXXX I received a notification that my TransUnion credit report had received a hard inquiry from XXXX XXXX in Delaware. 
I immediately contacted TransUnion and inform them that that was a fraudulent inquiry as I had not applied for any credit. They told me to contact the company which I did, and XXXX wanted me to give them my social security number which I refuse to do. I told them not to issue any credit to whoever was applying because it was not me and later received a letter from XXXX wanting me to provide my driver 's license which of course I did not. As far as I know XXXX did not provide the scammer with any credit however the hard inquiry is still all my credit report and it knocked XXXX points off of my credit report. I called the TransUnion again today to tell them that they had not removed the and they told me I needed to come here to file a complaint so that they could remove it. I don't understand why they didn't tell me this when I called them XX/XX/XXXX when the fraudulent inquiry was made regardless I want this hard inquiry off of my record I have never applied and it should have never been on my record to begin with because I have always had a fraud alert on my account so I don't understand why a hard inquiry could even appear on an account that has a fraud alert on it to begin with. 
Thank you very much XXXX XXXX
Consumer complaint received 2023-10-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc. (MN)

I applied for teacher loan forgiveness. I believe it should have been granted. Then I applied for a forbearance. It was accepted. They then said that I applied for a IDR plan. I did not apply for it, I did a payment calculator. They then changed my plan to an IDR plan. I called and told them that I only wanted the forbearrance for one year and then I could make regular payments. They told me the issue was resolved. XX/XX/XXXX I get an email telling me that I need to resume payments starting in 5 days for the full XXXX dollars a month. I have tried to email and call about the issue and no one is getting back to me. Below is a list of the documentation XXXX Change in Loan Terms Change in Repayment Terms XXXX Your monthly statement is ready Monthly Statement XXXX An in-school deferment has been applied to your account Deferment Request Approved XXXX Change in Loan Terms Change in Repayment Terms XXXX Your IDR plan has been approvedDetails on your newly approved IDR plan XXXX Change in Loan Terms Change in Repayment Terms XXXX Your forbearance has been approved Forbearance Request Approved XXXX Here 's your forbearance form Forbearance Request XXXX TLF Application Denied Teacher Loan Forgiveness Application Denied ( should have been accepted ) XXXX TLF Application DeniedTLF Application Denied - Corrections Needed
Consumer complaint received 2023-10-17
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (MI)

Since XXXX of 2023, Synchrony Bank has been destroying my credit by closing nearly every single account with their bank. Every account was in good standing and I have not missed a single payment. 

My income has increased significantly, and I have been able to pay off a lot of debt. Apparently this XXXX them off, because Synchrony FALSELY and FRAUDULENTLY claims on their " closure letters '' that I have " lack of real estate secured loan information. '' As I have verified with my mortgage company and all three credit bureaus that my mortgage, is in fact, being reported on my credit files.This means that they have committed fraud in sending these letters. 

They also claim an unpaid collection. This collection account that is listed is not mine, and is in the process of being removed. This collection was on my report when I applied for the accounts that they have closed. I have since had several false collections removed, and was able to increase my credit score significantly from this, until Synchrony started closing accounts- some without any notice until I was at the cashier 's stand and was embarassingly told my account was closed.

Synchrony has also been pulling my credit report approximately every two weeks. WHY? I did not authorize this. No bank on earth needs to pull their customer 's information that often. It appears that they are hunting for something there, but what, I do not know. Perhaps they want to verify that the damage to my credit is complete so that they can sing and dance on my credit grave for their XXXX poor business practices? Who knows? 

My credit scores have now dropped nearly XXXX points due to their false and fake reasons for closing my accounts that were in perfect standing.
Consumer complaint received 2024-04-04
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. (VA)

Despite my diligent efforts, these issues persist unresolved. Enclosed is a copy of the letter I previously dispatched to the credit bureaus. Your firm 's response deemed my request for verification of erroneous items on my report as " frivolous '' or " irrelevant. '' It's crucial to note that I take this matter very seriously. Should you opt not to address my original request, sent via certified mail, I will not hesitate to escalate this matter to the Federal Trade Commission. I urge you to conduct a thorough review of the following information and provide evidence supporting the alleged item, such as a contract, note, or any document bearing my signature. Failure to provide such evidence will result in my insistence on the immediate removal of these items from my report.
Consumer complaint received 2023-10-17
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

My account was closed recently for XXXX returned payments. XXXX of the payments that were returned was because I had XXXX and was experiencing some hardship. I spoke to a representative regarding this and they reassured me that this would not affect my account. After my account was closed I tried to reach out to the company to have it reopened amd my request was denied. I've been with this company for over 7 years and I am asking for a resolution.