davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-27
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF NEW YORK MELLON CORPORATION, THE (NJ)

My name is XXXX XXXX XXXX, and I am writing to address a matter concerning the recent transmission of Debt Securities to your institution via registered mail. The Debt Securities were intended for processing and eventual transfer to my XXXX Account, as detailed in the accompanying instruction letter. 

As the indentured Trustee of XXXX  XXXX XXXX and XXXX XXXX, it is my understanding that under the XXXX XXXX XXXX XXXX, Bank of New York Mellon bears the responsibility of ensuring the correct processing of Debt Securities and safeguarding the interests of the holders. Unfortunately, despite successfully receiving the Debt Securities, it has come to my attention that the instructions outlined in the accompanying documentation were not followed. 

In accordance with the XXXX XXXX XXXX XXXXXXXX and the legal obligations imposed by the same, I urge Bank of New York Mellon to uphold its responsibility and ensure the prompt processing of my securities. Specifically, I request the transfer of the securities to my XXXX Account, as per the details provided in the instruction letter accompanying the package sent to XXXX XXXX via registered mail. 

Additionally, I would appreciate the swift return of my tender in conjunction with the processing of the securities. I understand the importance of legal and procedural compliance, and I trust that your institution will handle this matter with the utmost urgency and diligence. 

I am available at XXXX or XXXX to provide any further information or clarification necessary. I appreciate your immediate attention to this matter and anticipate a prompt resolution to avoid any potential legal actions. 

Thank you for your cooperation.
Consumer complaint received 2023-12-22
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. (OK)

I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting Transunion, XXXX and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.
Consumer complaint received 2023-08-31
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. (KY)

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 XXXX. 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 2024-04-18
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)

THEY ARE CONTINUING TO REPORT FRAUDULENT INFORMATION EVEN AFTER BEING NOTIFIED. 

I'AM NOTIFYING THE FTC THAT MY IDENTITY HAS BEEN STOLEN AND USED FOR FRAUDULENT PURPOSES.
Consumer complaint received 2023-04-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Alliance Collection Agencies, Inc. (IL)

Since XXXX i have called XXXX XXXX to get this resolved by explained to them that this person : XXXX XXXX XXXX is not related to me. They told me that they were going to place my account on hold and no longer send me bills nor send me to collections. They did send me to collections and now I have this on my record I would like to get this taken care of because this is not my debt and is fraud. 

I have Called 4 times and been told the same thing they went to their lead and said that everything was taken care of and that I should have nothing to worry about. This is not okay I'm very upset. I've been trying to work on my credit and this is just bring it down even more. I want to know what else I can do.
Consumer complaint received 2023-09-23
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. (IL)

I have been a victim of identity theft and no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The account I'm challenging has nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the listed account Bankruptcy XXXX  XXXX Date Filed/Reported : XX/XX/XXXX  Reference # : XXXX.
Consumer complaint received 2024-05-17
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (PA)

I received an email from the Department of Education that my federal loans were being discharged due to misconduct by the school in regards to marketing, Post education placement rates and career services post graduation. 

XXXX XXXX XXXXXXXX Tried to contact to discuss options for discharge of debt and was outright refused without any justification how a defunct school that used illegal practices would require repayment.
Consumer complaint received 2023-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (CA)

My complaint centers on Chex Systems reported inaccurate and private information, which has adversely affected my consumer report. They are in violation of the FAIR CREDIT REPORTING ACT ( FCRA ). 15 U.S.C. 1681b ( a ) ( 2 ) et seq.. knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, written instructions to do so.
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

I am writing because I have a account on my credit report that is not mines. And should be deleted from my crefit file .. Me and my father have the same first and last name. I also have a letter from XXXX stating the fact.
Consumer complaint received 2023-04-20
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. (GA)

I disputed inquires on my Eqifax account on XX/XX/2023. I received a response XX/XX/2023. This information isn't correct, and I would like for it to be removed from my credit report.
Consumer complaint received 2024-04-21
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. (CO)

Subject : Immediate Request for Opt-Out and Deletion of Credit Report Tradelines XXXX I am contacting you to file a formal complaint and to assert my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), regarding unauthorized use and disclosure of my financial data. In accordance with 15 U.S.C. 6802, 15 U.S.C. 6805, the Privacy Act of 1974, and associated regulations, I am hereby revoking any permissions, whether explicitly or implicitly granted, for reporting my data.

My credit score has been detrimentally affected by such information that qualifies as non-public personal information under 16 CFR 313, enacted under the authority of 15 U.S.C. 6801. Furthermore, sections 313.7 and 313.7 ( f ) of the same code explicitly state my right as a consumer to opt-out of data reporting at any time, a right which I am exercising and formally requesting enforcement through this letter.

Here are the specific legislative and regulatory grounds for my request : 1. **15 U.S.C. 6802** - Mandates explicit consent for financial information disclosure, including a clear option to opt-out.

2. **16 CFR 313 ( Privacy of Consumer Financial Information ) ** - Ensures my right to privacy and to block unauthorized personal information disclosure.

3. **15 U.S.C. 1681** - Protects the accuracy, fairness, and privacy of information within consumer reporting agency files.

Based on these legal provisions, I demand the prompt removal of all details pertaining to my credit accounts from your records and reports. Non-compliance will force me to pursue further legal actions to safeguard my rights.

Please send me written confirmation that my data has been erased from your records and an updated copy of my credit report. For any further details required to facilitate this process, you can reach me directly at XXXX. 
I appreciate your immediate attention to this critical matter and anticipate prompt confirmation that my rights, as legally established, are being upheld.
Consumer complaint received 2023-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (LA)

I have submitted a request for this company to remove this account from my credit profile because it is still reporting as delinquent and effecting my score. The debt is no longer a collection of mines and that was the excuse as to why it is still reporting. The account is charged off as a XXXX balance however is still reporting negatively on all XXXX bureaus. I have contacted the company and the bureus and both are in violation. 

FAIR CREDIT REPORTING ACT/REGULATION V Section 623 of the FCRA and Regulation V generally provide that a furnisher must not furnish inaccurate consumer information to a CRA, and that furnishers must investigate a consumers dispute that the furnished information is inaccurate or incomplete. 

With that being said these accounts do not line up properly. 
REPORTING ON XXXX XXXX. DATE OPENED - XXXX XXXX XXXX. DATE CLOSED - XX/XX/XXXX REPORTING ON EQUIFAX DATE OPENED - XX/XX/XXXX This information is incorrect and documented. I am requesting that you please remove this from my credit profile. 

I have submitted an FTC report in the past, it was overlooked and I am really not in the mood to go back and forth about a line that you guys are reporting wrong.
Consumer complaint received 2024-03-26
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PINNACLE RECOVERY, INC. (WA)

XXXX and Pinnacle a debt collector has sent a note of XXXX with XXXX collection fee on a that's not behind base on my records however the collector hasn't provided any details of the debt in attempt understand or cure
Consumer complaint received 2018-07-19
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (AZ)

EQUIFAX CLOSED XXXX XXXX CREDIT CARDE ACCOUNT BECOUSE XXXX XXXX CHANGED THE LAST 4 NUMBERS THE SAME CREDIT CARDE. AFTER I SPOKE TO SUPERVISER FROM EQUIFAX AND HE REFUSE TO CORRECT THE INFORMATION.
Consumer complaint received 2024-04-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report.
Consumer complaint received 2023-12-01
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. (NJ)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 

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 2019-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I have sent in 3 request for this duplicate account to be removed from my report and Equifax refuses to remove the duplicates of the account and violating my consumer rights I sent a certified letter on XX/XX/XXXX XXXX called XXXX XX/XX/XXXX Online Dispute XX/XX/XXXX The company that is a duplicate is XXXX XXXX XXXX
Consumer complaint received 2023-10-10
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 appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
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 2024-04-21
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.
Consumer complaint received 2023-12-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

The federal Education Department changed my loan servicer from XXXX XXXX XXXX XXXX XXXX XXXX because I was placed on the Public Service Loan Forgiveness program. When the COVID forbearance ended in the XXXX XXXX began reporting my loan information to the credit bureaus but then XXXX did too. For both companies it was exactly the same amount so it looked liked my student loans were double what they were at over {$500000.00}. As a result, my debt to income ratio was too high for a home equity loan I applied for in XXXX. At that point I was able to still access my XXXX account online and it showed that my balance was XXXX and the account was closed. After I was rejected for the home equity loan, I tried to long back into my account at XXXX to dispute it with them but they now said my account did not exist even though I was logging in with my Social Security number and my birthday. I tried to call them but the automated phone system said the same thing and would not reroute me to a live person because it could not find my account. Finally I found a general line for Edfinancial custome support, but the wait time was 411 minutes long. I opted for a call back and the system said it could be after XXXX before someone called me. They never called. I filed a complaint with XXXX on an email address I found on the XXXX XXXX page but the response said they were reporting a deliqincy on my account and referred me back to the credit bureaus for that information. The delinquency does not show up on the credit beaureus ' information for my XXXX account. I was also on income based and hardship deferrals throughout my time with them because my payments were impossible to pay while supporting my family of XXXX. All the credit bureaus and the XXXX XXXX people say I have to talk to XXXX to resolve the issue but I can't log into their online system or phone system because it says I do not exist in their system. The help they have given via email does not address the issue. I am at my wits end. XXXX owns my loans now and is my student loan servicer. 
I am paying my monthly bill with them and very close to forgiveness now. XXXX should not be reporting an open account for me or a balance.
Consumer complaint received 2023-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

Despite my prior notifications shedding light on these violations, Experian has persistently failed to rectify the situation in accordance with my requests. This inaction has not only eroded my trust in the credit reporting process but also poses a grave threat to the fairness and accuracy of consumer credit reporting. 
Attached to this complaint is a certified notice providing further details on the unauthorized and improper utilization of my consumer report, sent via USPS # XXXX XXXX XXXX XXXX XXXX XXXX. 
Upon meticulous scrutiny of my consumer report, I have identified discrepancies concerning the following account : Account : XXXX XXXX XXXXXXXX Account Number : XXXX P Payment Date : XX/XX/2023
Consumer complaint received 2018-12-27
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (LA)

I am just lost foe words now I do not know whom to talk to or reach out to, this has been going own since XX/XX/2015, I was originally approved for a Deed in lieu moved out home moved in with my mother in law, had inspectors com to home several times, kept getting the run around stating we need this we need that nothing, call in get transfer to everyone but whom is over the account, ok now we found someone to buy the home got an agent to help us we are still getting the run around, stating we need this we need that, my agent sent over everthing an I even sent the paperwork on my behalf as well. Im just so tired of going back an forth with this Company Select Portfolio Servicing, I dont know whats going own over there but something needs to be done because for number one they have are not organized no one no nothing an im tired. I expressed to them that I am not able to afford this home due to my income & hours dropping. Can someone please help or direct me where I need to go to get this situation done an over with. I am mentally drained
Consumer complaint received 2023-06-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 

In regards to account reporting as : XXXX XXXX XXXX or XXXX ( account # XXXX )
Consumer complaint received 2023-04-24
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-04-21
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. (NV)

To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

15 USC 1681e ( b ) Compliance and procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the accounts listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me with a copy of verifiable proof, you must DELETE the accounts listed below. 

I demand the following accounts be validated or DELETED immediately : - XXXX XXXX XXXX XXXX ( Account Number : XXXX XXXX XXXX XXXX XXXX, Amount : {$3600.00} ) - XXXX XXXX XXXX XXXX ( Account Number : XXXX XXXX XXXX XXXX XXXXXXXX, Amount : {$17000.00} ) - XXXX XXXX ( Account Number : XXXX, Amount : {$2800.00} ) - XXXX XXXX ( Account XXXX, Amount : {$13000.00} ) - XXXX XXXX XXXX Account Number : XXXX, Amount : {$13000.00} ) $ - XXXX XXXX  XXXX ( Account Number : XXXX, Amount : {$3100.00} ) - XXXX XXXXXXXX XXXX ( Account Number : XXXX , Amount : {$9900.00} ) - XXXX XXXXXXXX XXXX ( Account Number : XXXX XXXX XXXX XXXX {$39000.00} ) - XXXX XXXX XXXX ( Account Number : XXXX, Amount : {$18000.00} ) - XXXX XXXX ( Account XXXX, Amount : {$810.00} ) - XXXX XXXXXXXX ( Account Number : XXXX, Amount : {$3000.00} ) - XXXX XXXX XXXX XXXX XXXXXXXX ( Account Number : XXXX, Amount : {$27000.00} ) - XXXX XXXX XXXX XXXX XXXX ( Account Number : XXXX, Amount : {$18000.00} ) XXXX XXXX ( Account Number : XXXX, Amount : {$81000.00} ) - XXXX XXXX XXXXXXXX ( Amount : {$6000.00} ) In addition, DELETE all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file.

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.