davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-04
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. (CA)

I'm a survivor of wholesale fraud. I'm writing to demand that you block the accompanying deceitful data from my credit report. I'm currently applying for another credit and these mistakes are causing an issue with my FICO ratings detailing appropriately, so any assist you with canning give me with refreshing this data quickly would be extremely valuable. We are hoping to purchase a house. Kindly assistance
Consumer complaint received 2023-03-25
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: Experian Information Solutions Inc. (FL)

PURSUANT TO 18 USC 8, I OWE NO DEBT, THIS COMPANY IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 1681 XXXX XXXX XXXX HAS ALSO NO PERMISSION TO REPORT ANYTHING USING MY INFO PURSUANT TO 15 USC 1681 4.
Consumer complaint received 2024-07-12
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P. (GA)

I have disputed this debt on two occasions an won.They keep changing collection services an putting me in collection on my credit.company name XXXX Dates of action ) XX/XX/XXXX over turned XXXX XXXX XXXXXXXX XX/XX/XXXX over turned XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Disputing South West Credit System I was told to fill a complaint with you so that they could be block from doing this
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Colony Brands, Inc. (WA)

I am writing to file a complaint against Credit Reporting Agencies ( CRAs ) for violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ) and the Privacy Act. Specifically, these entities have breached the following federal laws : 1. 15 USC 1681b ( 2 ) : Unauthorized access to my credit report.

2. 15 USC 1681s-2 : Furnishing inaccurate information and failing to correct and update information.

3. 15 USC 1681b ( 3 ) : Improper use of consumer reports for adverse actions without proper notification.

4. 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) : Consumer reports do not include information solely about transactions or experiences between the consumer and the person making the report. Late payments and utilizations are considered transactions and experiences and should be deleted. 
Additionally, charge-off accounts should be excluded from my consumer report pursuant to IRS rules and guidelines, as they are considered ordinary income and income is not reported on consumer reports. These violations have negatively impacted my creditworthiness and financial stability.
Consumer complaint received 2024-04-25
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. (IN)

I am writing to formally dispute the fraudulent account that is still appearing on my credit report. Despite my previous attempts to rectify this matter, the erroneous account continues to negatively impact my creditworthiness. Furthermore, I believe that there have been violations of the Fair Credit Reporting Act ( FCRA ) in the handling of this dispute.
Consumer complaint received 2023-11-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A. (FL)

My pension check which is direct deposited to a checking account at PNC Bank on or a day before the first of each month was deposited and withdrawn three times between XX/XX/23 and XX/XX/23. PNC does not know where the money is and refuses to research further. They have sent me back to the issuing entitiy, XXXX, who manages my pension. This was the day of the ACH processing error.
Consumer complaint received 2023-03-19
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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (NC)

I have reached out to the company XXXX XXXX XXXX several times I was told the collections would be removed due to identity theft however they didnt remove that was from the district they also are reporting XXXX different balances which it should not be a balance that violates the and should be removed on those grounds as well I have submit multiple fta reports and police report and confirm my identity also XXXX will not allow me to log on and I spoke with ally from fraud she was rude and hung up on me I would like the call monitored
Consumer complaint received 2024-01-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: EdFinancial Services (AL)

I received a letter from EDFINANCIAL on XX/XX/XXXX stating that End of Grace has occurred and payments are due XX/XX/XXXX. I am enrolled in an eligible institution and want my loans deferred. On XX/XX/XXXX, I submitted documentation to EDFINANCIAL through their loan portal but never received confirmation via email or in the correspondence history on their documentation portal. It only shows the information they have sent me. Again on XX/XX/XXXX, I submitted documentation verifying enrollment. The documents are not shown in the portal on the loan servicer website. In contacting the customer service, she checked my account and notated that I am not to pay and they have received my documents from XX/XX/XXXX and it will take XXXX business days not including holidays to process this request. I attempted to request documentation mailed to my physical address or email and was refused documentation. I can not get a transcription of the conversation following the end of the chat either. XXXX notated in my account but stated that the notes were for internal use only. I completed an authorization to release your student loan account information and named myself and my address. When I requested my loan information again from XXXX she stated she could not email me anything. Attached below are screenshots of the conversation occurring XX/XX/XXXX. XXXX could not provide me with documentation of what she has seen on my account, my account has not been updated to show that they have received any of my enrollment verifications. On multiple occasions XXXX attempted to end the conversation stating I was not " here '' while I was waiting for a reply.
Consumer complaint received 2023-12-16
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: EQUIFAX, INC. (FL)

For Equifax, the following personal information is incorrect Current Address : XXXX XXXX XXXX XXXXXXXX XXXX  XXXX This inquiry was not authorized : XXXX XXXX Date of inquiry : XX/XX/XXXX For XXXX, the following inquiries were not authorized : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Date XXXX inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXXXXXX : XXXX. The following personal information is incorrect : XXXX XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX
Consumer complaint received 2023-03-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Orion Portfolio Services, LLC (MD)

They are using a third party collection company to try to make me pay a debt I have no knowledge of and is not on my credit report. I never had any type of credit thru XXXX XXXX XXXX XXXX so there is no way for me to owe any balance. But I received an email requesting payment from me.
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TX)

On or around XXXX XXXX i sent Experian a letter requesting them to remove the inaccurate information on my credit report and they responded that the creditor verified the information from XXXX. Well XXXX sent me a letter stating that they didn't verify that information because the Bankruptcies has been removed so how could Experian say that it was verified? They continue to sell consumers personal information without our consent and go against the Fair Credit Reporting Act! And they have my name spelled XXXX when it Should be XXXX which is another grounds for deletion! A consumer reporting company may not provide a consumer report under FCRA section 15 USC 1681b ( a ) each permissible purpose
Consumer complaint received 2023-09-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: RoundPoint Mortgage Servicing LLC (AZ)

On XX/XX/23 Roundpoint Mortgage Servicing LLC issued a refund for the amount of {$160.00} from the escrow account attached to my mortgage. 

On XX/XX/2023 the escrow check was deposited into my checking account. 

On XX/XX/2023 the check was returned as unpaid by my bank, marked as Non Sufficient Funds ( NSF ) and the complete amount of the original escrow check was withdrawn from my bank account ( {$160.00} ). The bank also charged a {$10.00} fee for the returned check. 

On XX/XX/2023 I sent a Error Resolution Notice to Roundpoint Mortgage Servicing LLC under 12 C.F.R. 1024.35 notifying them the check had been returned as NSF and requested reimbursement for the returned check fee. 

As of XX/XX/2023 they have not acknowledged or responded to my Notice of Error.
Consumer complaint received 2024-07-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I am writing to dispute the accuracy of information on my credit reports. There is a Collection Account by Portfolio Recovery Associates showing on my credit reports. I have told them that I don't recognize this debt. We went to court over the case. The judge ruled in my favor and issued a " Verdict for Defendant on Plaintiffs Claim and a Judgement for Plaintiff on Defendents Counterclaim '', which shows the court ruled in my favor, the debt is clearly not valid, as they were unable to prove it was, they did not appeal in the allotted time given, and this Collections Account should be removed from all of my credit reports. I request that you investigate this matter, as it seems the bureaus most of them are siding with Portfolio Recovery Associates. This is unfair to me as a consumer, who's credit is very important to me! Please help!
Consumer complaint received 2024-01-04
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. (FL)

The company removed the account and re added it 3.5 years later the issue was settled with the original lender the vehicle was not drivable I notified them them they allegedly had nothing else available and offered to redeem the car and whipe away my dent because i was current with every payment up until issues with the vehicle not starting the company had already sold my trade in that i used to purchase the vehicle so they decided to settle so i can by a more expensive car off there lot upon returning the vehicle i disclosed i wasnt interested in doing business with them again and in turn would just like to return their vehicle and go else where and they could keep what they owe me from my trade in in exchange of clearing my debt this was discussed in length now when it hit my credit i was shocked and reached out they disclosed the company was shut down / sold off and now i was there problem they removed the debt but now years later its reaapeard this has been 7 years the loan should not even be on my report as its far too old it seems very coincidental that it just reappeared they keep trying to convince me to settle on a amount and i refused they have all the payments i made plus my trade in plus the vehicle they sold me if thats mot a rip off i have no idea what is i litterally got robbed.
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I recently checked my credit reports and I found out some billing errors that violated the Consumer Law I attached the PDF file of my dispute letters that were sent to the involved Bureaus My dispute letters were ignored and nothing happens so far.
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see the attached documents and letter for the referenced issues from above.
Consumer complaint received 2024-01-04
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. (FL)

I'm a casualty of data fraud. I'm writing to demand that you block the accompanying deceitful data from my credit report. I'm currently applying for another advance and these blunders are causing an issue with my FICO ratings revealing appropriately, so any assist you with canning give me with refreshing this data straightaway would be extremely valuable. We are hoping to purchase a house. If it's not too much trouble, help
Consumer complaint received 2023-07-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (VA)

I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.
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. (LA)

I am writing to submit a formal complaint regarding non-compliance with my opt-out requests by the credit bureaus and lenders. 

On XX/XX/23, I submitted requests to XXXX, TransUnion, and XXXX, as well as XXXX and XXXX XXXX, to cease any authorization-related activities concerning my credit accounts. These requests were made under my rights as a consumer protected by the Fair Credit Reporting Act ( FCRA ), 15 USC 1681. 

Despite these requests, I have not received acknowledgment or confirmation of the termination of authorization-related activities from the mentioned entities. The accounts in question include my XXXX XXXX XXXX XXXX  ( Credit Card and Auto Loan ) and my XXXX XXXX auto loan. 



Enclosed with this letter are copies of my original opt-out requests and any relevant documentation.
Consumer complaint received 2024-07-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (GA)

The initial loan was taken out on XX/XX/XXXX. Starting on XX/XX/XXXX, I made a small payment of {$88.00}. I made another payment on XX/XX/XXXX of {$97.00}. I was doing this to try and keep up with the interest that is accruing due to it being an unsubsidized loan. Another payment was made on XX/XX/XXXX in the amount of {$200.00}. On XX/XX/XXXX, I made a payment of {$200.00}. On XX/XX/XXXX, I made a payment of {$200.00} and a final payment on XX/XX/XXXX for {$200.00}. I am currently in school, so payments are not required, but I don't want the debt to accumulate. In total, I have made {$980.00} in payments. When I log into my Mohela account, all I can see is the total principal balance and the amount of interest that has accrued. There is no line item showing any credits to my account. When I called on XX/XX/XXXX, I asked for an itemization of all my account activity. XXXX said I would receive that information in XXXX business days. That never happened. I called back on XX/XX/XXXX and spoke with XXXX. He said I would receive the itemized account information in XXXX days. After that call, I received XXXX emails with the subject line " Financial Activity for Loans '' on XX/XX/XXXX, stating that there was information in my account and that I should log in to view the information. When I logged in, nothing was there. When I called on XX/XX/XXXX, they stated that the XXXX emails were an error and I should be receiving the information via XXXX mail. I received XXXX more emails on XX/XX/XXXX with the same subject line. Every time I call, I spend more time on hold than speaking with a customer service representative and when I ask to speak with a supervisor, I am denied that request. I am fearful that some of my payments have not been credited to my account. I can see that my principal balance is lower than the amount I have received in disbursements to my university, but it does not add up to the amount I have paid. Meanwhile, interest is accruing. I am only asking for an itemization of my account, but have yet to receive this information.
Consumer complaint received 2024-01-02
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)

Since I did not authorize these companies to obtain my credit report, I demand that these inquiries be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflects these changes be sent 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
Consumer complaint received 2023-12-17
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 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 2024-01-04
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 a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I am in the process of applying for a new loan and these errors are causing a problem with my credit scores reporting properly, so any help you can give me with updating this information as soon as possible would be greatly appreciated. We are looking to buy a house. Please help
Consumer complaint received 2024-07-01
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (GA)

I was contacted by Resurgent Capital Services about an alleged debt that I owe to XXXXXXXX XXXX  or any of its subsidiaries. I asked Resurgent Capital Services to provide me with the appropriate documents to validate the debt. The document they sent me does not show how a total of {$870.00} dollars is owed to the alleged company. When I asked Resurgent Capital to provide me with an itemized document listing the charges or the contract between myself and the original creditor, they failed to do so. I am not sure why they can not acquire this information and furnish to me. I would like them to provide the documents I am asking for in order to resolve this account this includes the amount owed, including interest, fees, payments, and credits nothing less than all of these. If they do not do this then this debt should be discharged due to the violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S. Code 1692g. The FDCPA mandates that debt collectors must provide consumers with a written notice containing detailed information about the debt within five days of their initial communication. Additionally, if the consumer disputes the debt in writing within 30 days, the collector must cease collection efforts until they provide verification of the debt.
Consumer complaint received 2024-01-02
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. (MI)

sent a letter to Experian asking them to reinvestigate the completeness and accuracy of my account with XXXX XXXX XXXX XXXX XXXX here is my tracking number XXXX However, I waited the required amount time, They said everything was 100 % correct. I asked them how and send me the description of the investigation based on 15 USC 1681 ( 7 ). They did not provide that which is violation of 15 USC 1681 ( 7 ). They also violated 15 USC 1681 ( 5 ). They also violated 15 USC 1681e ( b ). And I didnt receive and respond or update.
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. (TX)

16 CFR 433.2 - Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices.

NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER.

15 U.S. Code 6801 - Protection of nonpublic personal information 16 CFR 313.7 - Form of opt out notice to consumers ; opt out methods 15 U.S. Code 1681a Financial Privacy Act of 1978 Privacy Act of 1974 [ 5 U.S.C. 552a ] Iv'e been challenging the information on my consumer report for quite some time with XXXX, TRANSUNION AND XXXX even though all 3 agencies were in data breaches and obtain my personal information that I the consumer have to fight for. I've read all of their policy rules but they do not abide by them and the representives for the company will LIE ON THE CALLS. As well as they are advised to record the calls for security measures. I was advised as well.