davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

ENOUGH IS ENOUGH NO MORE TAKING ADVANTAGE OF XXXX PEOPLE!! I AM EQUAL AND NOW I HAVE THE RESOURCES TO FIGHT BACK! XXXX PEOPLE ARE EDUCATED TOO!!! I am writing to express my deep concern regarding the violations of my rights under the Fair Credit Reporting Act by the consumer reporting agency in question. Specifically, the agency has included adverse information on my credit report in addition to furnishing inaccurate information to other consumer reporting agencies they have failed to REMOVE/DELETE accounts that were the result of identity theft, even after I made written request instructions to do so that emphasized that my request was not made in error and was not based on any material misrepresentation of fact on my part. 

XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 I am hereby sending this notice to express my intent to sue for violation of the Fair Credit Reporting Act. I demand that the agency takes immediate steps to block and delete the inaccurate information from my credit report, and to remove the accounts that resulted from identity theft. Failure to do so will result in legal action, and I am entitled to statutory damages of up to {$1000.00} per violation.

15 U.S. C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-01-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: AMERICAN EXPRESS COMPANY (NC)

End of year XXXX  or Early XXXX. I noticed fraudulent charge on acct. Called acct XXXX  sent out new card. Wrong address. Called, XXXX  not froze card after scammer activated my card. Called now almost 3 weeks to get them to change email to access my acct. To no avail. XX/XX/XXXXXXXX  last day I called
Consumer complaint received 2024-01-04
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2022-08-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (GA)

I called FedLoan on XX/XX/XXXX to request a customized letter I could provide to the XXXX XXXX XXXX XXXX XXXX  regarding the XXXX Student Loan Debt Relief Tax Credit, which I received in XXXX. Under Maryland law, I am required to provide proof of payment in the amount of $XXXX, which occurred on XXXX. XXXX  and FedLoan staff informed me that I could request a customized letter in response to CFPB complaint XXXX and over the phone, respectively. When I initially spoke to XXXX (employee ID XXXX), he told me I'd receive a customized letter with my name, lenders name, date of payment, and payment amount in 7-10 business days. Instead, I immediately received information from my XXXX  1098 in email format, which was never requested. I immediately called FedLoan Servicing back and XXXX transferred me to XXXX (employee ID XXXX. I informed XXXX that the email I received from FedLoan was not what was requested and that I needed a customized letter instead. I informed her that a XXXX  tax year 1098 was not acceptable. i informed her that XXXX  requires a document with my name, lenders name, payment amount, and payment date. XXXX informed me that I would receive a customized letter within 7-10 business days. As ofXX/XX/XXXX, I have not received a customized letter for me to provide to XXXX. I called FedLoan Servicing on XX/XX/XXXX at approx. XXXX XXXX and spoke with XXXX (employee ID XXXX). I let XXXX know that I was expecting a customized letter for XXXX  with my name, lenders name, payment date, and payment amount. XXXX  pulled up my account and saw that a letter was sent on XX/XX/XXXX and I incorrectly informed her this was inaccurate because I received my 1098 information on XX/XX/XXXXand requested a customized letter immediately afterwards. It turns out on XXXX XXXX, I did receive a document entitled "Tax Info Interest Paid This Year", however the title of this letter is inaccurate and misleading as it is interest from XXXX  and does not fulfill XXXX  requirements. Again, this was not the document I requested. Upon further research, XXXX determined that there was no request for a customized letter in FedLoan Servicing's system, only a request for a 1098. As such, I had to re-request a customized letter from XXXX  on XX/XX/XXXX. I informed XXXX  that the letter requires my name, lenders name, payment amount, and payment date regarding my payment on XX/XX/XXXX. XXXX informed me due to FedLoan's mistake that the correct customized letter with the information I require for XXXX will be sent to me within 48 hours of the completion of our phone call.  I've attached a summary of my calls to FedLoan Servicing as well as the incorrect letters and prior complaint for further reference.
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

Subject : Notice Of Dispute - XXXX XXXX To Whom it May Concern, I am writing to express my significant dissatisfaction and concern regarding the handling of the reporting of the account XXXX XXXXXXXX on my credit report. It has recently come to my attention that there are multiple clear violations of the Fair Credit Reporting Act ( FCRA ) associated with this account. As such, I am requesting immediate action to address and rectify these issues. 

I hereby formally request a comprehensive debt validation, which should encompass the following details : Original Contract : I demand a complete copy of the original contract between the purported creditor and myself regarding the account XXXX XXXXXXXX XXXX 
Original Creditor : Please clearly identify the name and contact information of the original creditor linked to this account. 
Original Open Date : Provide the precise date when the account XXXX XXXXXXXX was initially established. 
Date of Last Payment : Specify the exact date of the most recent payment made concerning this account. 
Date Account Was Closed : Indicate the official closure date of the account XXXX XXXX XXXX 
I am fully aware of my rights under the FCRA, and it is evident that your company has failed to fulfill its obligations in ensuring the accuracy and validity of reported information. I insist on a prompt response and resolution to address these discrepancies. 

Failure to comply with this request within 15 days from the date of this correspondence will leave me with no choice but to pursue legal action to enforce my rights under the FCRA. Please consider this letter as a formal notice of my intent to proceed accordingly. 

I anticipate a timely response, accompanied by the requested documentation, to be submitted to the CFPB Portal for expedited review. Furthermore, I request that any corrections made to my credit report are promptly reflected.
Consumer complaint received 2024-04-04
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. (MS)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : 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 and so on.
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

I filed bankruptcy and the company XXXX XXXX has reported me as late I had no late payments prior to filing they admitted to a mistake. I disputed again after the admitted to a mistake and a comment was make that all info is correct. It is not. My lawyer has contacted them 3 times at least. This has caused my credit score to drop XXXX points. I am trying to rebuild my credit after bankruptcy and they are ruining it!
Consumer complaint received 2023-06-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC (LA)

Debt Recovery Solutions is reporting a delinquent account ( account # XXXX ) on my major credit bureaus that I owe them/this company {$350.00}. I do not know what this company is. I have never conducted any business with Debt Recovery Solutions. On XX/XX/2023, I mailed and faxed written notification requesting proof of contract to substantiate Debt Recovery Solutions claim to XXXX, XXXX XXXX XXXX that I am indeed the correct party they are seeking to collect this debt, yet my legal demand has gone unanswered. Debt Recovery Solutions has yet to provide a underlying credit agreement, no proof of ownership and provided no legal basis to report " late payments '' or any information to consumer reporting agencies. As a ramification due to this fraudulent account, I was discriminated against & denied my right to be extended credit. Nevertheless, I have suffered emotional and mental stress because of this false and negative credit bureau reporting.
Consumer complaint received 2023-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-01-04
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. (SC)

I received a copy of my credit report and noticed there were accounts reporting in violation of law 15 usc 1681b. Please remove these late payments from my credit report asap.
Consumer complaint received 2024-04-04
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. (NY)

Aidvantage is my loan servicer. They emailed me stating my repayment date is a week after I graduate this XXXX. I know I am entitled to, per my agreement, to a XXXX to XXXX  month grace period before repayment of my loan. My XXXX XXXX with the federal government account states my first repayment isn't until XX/XX/25. 

Also, Aidvantage will not let me access my online account to contact them or change anything. It recognizes my email but won't send me any credentials to re-set my password or anything. This is completely unacceptable. I've already issued a complaint with the DOE and XXXX XXXX to get this resolved. I've heard nothing from Aidvantage at all. 

I am considering taking legal action if my loans become late or negatively impact either my credit or good standing to keep my loans current and not in default, etc.
Consumer complaint received 2024-04-04
Product: Credit card — General-purpose credit card or charge card
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)

I've always ensured timely payments on this account, never letting them become overdue. I'm unsure about the reasons behind reports of late payment remarks on my accounts. Based on 15 USC 1666b - Billing Error should be corrected.
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under XXXX5 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-05-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: DISCOVER BANK (CA)

I informed Discover in XX/XX/2023 before my due date on XX/XX/XXXX that I had filed for unemployment, and was waiting on my unemployment to get processed. Everyone, especially credit card companies, are aware of the lengthy process. It takes weeks to get your application reviewed, then approved. Once approved for unemployment, you then have to wait to receive your funds which Unemployment gives you no ETA on. 

Between the time I informed Discover and now, XX/XX/XXXX, I have received a threatening letter stating that they will INCREASE my monthly payment. A day early ( and before 30 days late ) they reported my account delinquent. All " payment options '' they've provided are exponentially higher than my normal monthly minimum, despite that I have reported I have NO income for the time being and until I receive my unemployment funds.
Consumer complaint received 2024-01-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX XXXX # XXXX, XXXX XXXXXXXX # XXXX ) Delete this account immediately because of violation of 15 USC 16815-2 ( a ) & ( b ), 15 USC 1681 ( 5 ) ( A ) ( i & ( i ), and 15 USC 1681e ( b ) XXXX XXXX # XXXX, XXXXXXXX XXXX # XXXX ) Delete this account immediately because of 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681 ( 5 ) ( A ) ( i ) & ( ii ), and 15 USC 1681e ( b ) | ( XXXX XXXX # XXXX, XXXX XXXX # XXXX XXXX # XXXX, XXXX XXXX # XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX  # XXXX XXXX  XXXX XXXX XXXX ) # XXXX Delete this account immediately because of 15 USC 1681s- 2 ( a ) & ( b ), 15 USC 1681 ( 5 ) ( A ) ( i ) & ( ii ), and 15 USC 1681e ( b ) Delete this account immediately because of 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681 ( 5 ) ( A ) ( i ) & ( ii ), and 15 USC 1681e (
Consumer complaint received 2024-01-04
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. (FL)

XX/XX/XXXX I was scammed and hacked, by individuals impersonating XXXX XXXX ( I received the caller ID for XXXX ), and my identity was stolen. The result was that a XXXX XXXX XXXX XXXX was open using my identity. I filed a police report, as well as a report with the Federal Trade Commission, the IRS and SSA were also informed of the identity theft. I contacted XXXX XXXXXXXX XXXX on XX/XX/XXXX, and was asked by them to send a police report and the FTC report so they will not make me liable for the fraudulent XXXXXXXX XXXX account, which I did.. I also sent documentation to TransUnion, XXXX and XXXX. XXXX XXXX 41 days later.is making me liable for the fraudulent account and refuses to provide a letter to remove the hard inquiry in my report. TransUnion, XXXX and XXXX are not willing to fix my credit ( eliminate the XXXX XXXX XXXX XXXX and hard inquiry ), after over a month of being alerted to the fraud, and sent all documentation. Today, XX/XX/XXXX, after talking to the credit Bureaus only fraud alert is as far as they are willing to help me with. I have not only been a victim of cyber crime but also of the Institutions I now depend on for help ( XXXX XXXX, XXXX, TransUnion, XXXX ). 

Can't these people understand that it makes no sense for me to open a XXXX XXXXXXXX XXXX XXXX a month ago, Spent XXXX dollars on it and then go through all the pain and aggravation which represents to deal with this bank and the credit bureaus to try to fix it?????
Consumer complaint received 2024-06-14
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. (IN)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.
Consumer complaint received 2023-12-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Experian Information Solutions Inc. (NY)

I HAVE HAD A FREE EXPERIAN MEMBERSHIP SINCE 2021 AND DECIDED TO TRY OUT THEIR DIGITAL CHECKING ACCOUNT, BUT I AM EXPERIENCING BAD CUSTOMER SERVICE AND I CAN NOT TRUST THIS BANKING SERVICE. SINCE I HAVE OPENED THE ACCOUNT, NONE OF THE AGENTS I SPOKE TO CAN FIND MY ACCOUNT AFTER GIVING ALL MY INFORMATION INCLUDING PERSONAL INFORMATION INCLUDING BIRTHDAY AND SOCIAL SECURITY, THERES BEEN CHARGES ON MY ACCOUNT THAT THEY CAN NOT TELL ME WHERE THE CHARGE CAME FROM AND THEY WILL NOT ALLOW ME TO CLOSE MY ACCOUNT STATING THEY CAN NOT FIND IT WHILE ITS AN ACTIVE OPEN ACCOUNT. AT THIS POINT I JUST WANT TO CLOSE THAT ACCOUNT AND EXPERIAN IS NOT ALLOWING ME TO DO SO EVEN THOUGH THEY ARE SAYING THEY CANT FIND THE ACCOUNT, I FEEL LIKE I AM BEING SCAMMED AND HELD AGAINST MY WILL WHEN ALL I WANT TO DO IS CLOSE MY ACCOUNT AND CUT TIES WITH EXPERIAN DIGITAL CHECKING, PLEASE HELP!
Consumer complaint received 2024-07-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (NV)

My information was given out due to the XXXX data breach and I have 5 accounts on my credit including debt collectors trying to collect a debt I don't know anything about. I have tried to dispute these accounts through the credit bureaus and have not been able to get them removed off my credit. Here are the following accounts. 

LVNV Funding LLC Opened on XX/XX/XXXX Amount- {$310.00} LVNV Funding LLC Opened on XX/XX/XXXX Amount {$310.00} XXXX XXXX Opened on XX/XX/XXXX Amount {$690.00} XXXX XXXX XXXX XXXX XX/XX/XXXX Amount {$690.00} XXXX XXXX XX/XX/XXXX Amount {$2000.00} I would like these accounts removed from my credit report immediately as I did not sign contracts or had any knowledge of these accounts.
Consumer complaint received 2023-12-23
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (WY)

I applied for an auto XXXX  through USAA. And was told that I was not approved when asked for the reason why I was told they were not able to tell me as they are not credit adverser. When asking to speak to someone higher to settle this claim but was told they will get back to me at a XXXX  time.
Consumer complaint received 2024-05-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION (NC)

I was notified that there was fraudulent activity on my account. They froze it for investigation. Then they notified my that they were closing my account. They have no traces of my money apariently. No only did someone take my money but now I am left with no acount and no way to access previous deposits on mobile banking.