davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: MOHELA (NY)

MOHELA incorrectly billed me for {$410.00} while my account was in administrative forbearance while they processed my IDR request. I first called on XX/XX/XXXX and spoke to a representative named XXXX. She assured me that the payment listed on the account was not in face due and the payment amount will automatically adjust " soon ''. After a month of waiting, I received a notice from the Department of Education that MOHELA had reported a missed payment to them. I called again on or about XX/XX/XXXX and spoke to a representative named XXXX who transferred me to a representative named XXXX. I informed her about my previous discussion and she took a similar line as to what I was previously told ; that the computer system is updating and the charge will be removed " soon ''. She further assured me that the late payment will not be reported to a credit agency. Today XX/XX/XXXX I have received an email from MOHELA demanding that I pay the amount that their phone representatives tell me is not due. I want a real assurance that this payment is not due and I want MOHELA held accountable for their inept and frankly predatory practices.
Consumer complaint received 2024-01-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to demand for the immediate removal of fraudulent accounts from my credit report. Despite multiple escalations, the persistence of these fraudulent entries is causing significant distress. 
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 2023-12-29
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc. (WA)

The nonprofit I manage, XXXX XXXX XXXX XXXX XXXX, provided {$100.00} Vanilla Gift prepaid Visa cards to our management team as a thank you.

One of our managers reported that the card was declined after XXXX {$20.00} use. The remaining balance of {$80.00} was missing. Vanilla Gift 's hotline continuously refers customers to their website and has a deliberate maze of automated touchtone options that create a circuitous menu with no human agent assistance readily available. After holding for nearly XXXX hour I attempted to find the information I was seeking and recover the missing funds via Vanilla Gift 's website. Their website would not provide access based on the requested information I provided from the back of the card I purchased. After following instructions on their phone system and website I am unable to : -communicate with a human being -resolve the missing fund balance -verify transactions on the card -access their website to check my balance -access their phone system to check my balance -verify the balance of the card This is a deliberate obstruction by Vanilla Gift to avoid accountability and transparency . The customer service solutions they provide are deliberately frustrating, ineffective, and difficult to navigate to Vanilla Gift can establish barriers between customers and their funds held on Vanilla Gift cards. This complaint is about VG card ending in XXXX.
Consumer complaint received 2023-12-21
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. (CA)

There are inquires on my credit report that are unathorized and may be fraud related. Please delete them, as I did not give any of these companies permission to pull my report nor did I give XXXX, XXXX or Equifax permission to report these. 

You are not permitted under law to provide or publish my information without my consent 15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I've also filed a FTC Identity theft report, to report this behavior to the proper authorities.

12 CFR 1022.3 Definitions Identity theft means a fraud committed or attempted using the identifying information of another person without authority. 

List of unauthorized hard inquires : XXXX XXXX Inquiry date XX/XX/2023 XXXX XXXX XXXX XXXX Inquiry date XX/XX/20XXXX XXXX XXXX XXXX  Inquiry date XX/XX/2023 XXXX Inquiry date XX/XX/2023 XXXXXXXX XXXX XXXX Inquiry date XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX Inquiry date XX/XX/2023 XXXX XXXX XXXX Inquiry date XX/XX/2023 XXXX XXXX XXXXXXXX XXXX Inquiry date XX/XX/2023 Thank you,
Consumer complaint received 2023-12-18
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. (FL)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 2024-01-23
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to dispute the inaccurate reporting of late accounts on my credit report. Upon contacting the bank, they confirmed a system glitch and errors in their files. They assured me of a positive update to my report, indicating the account has never been late. XXXX has already updated its report and removed this account. 
Account Name and Number : XXXX XXXX XXXX
Consumer complaint received 2024-04-13
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)

XXXX XXXX XXXX This collection company XXXX XXXX XXXX is fraudulently & illegally reporting on my credit report.

I am allowed under the HIPAA law ( Health Insurance Portability & Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX XXXX for them to release my medical information to a third party. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patients authorization, therefore my request is twofold and as follows : Validation of Debt and HIPAA authorization - Please provide a breakdown of fees including any and all collection costs and medical charges.

- Please provide me a copy of my signature with the provider of service to release my medical information to you.

-Immediately cease any credit bureau reporting until debt has been validated by me Please note that withholding the information you received from any medical provider in an attempt to be HIPPAA complaint will be a violation of the FDCPA because you will be deceiving me after my written request. Furthermore, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from the collection agent.

PLEASE DELETE THIS ACCOUNT IMMEDIATELY
Consumer complaint received 2023-12-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CT)

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. 

Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXXXXXX XXXX  XXXX has violated my rights. Or a list of inquiries : 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 2023-06-24
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

On XX/XX/2023 I have filed and submitted a request to correct all incorrect information on my credit report with all three bureaus. I have waited the 30 days for the results and nothing was corrected! There are numerous inaccurate addresses and accounts on my reports. Per FCRA regulations and requirements 15 usc 1681i ( 5 ) I am entitled to a fair and Accurate credit report. There are numerous accounts reporting to only one or two of the bureaus in question. That in itself should be enough to delete some or all of inaccuracies on my reports! I am a XXXX XXXX  of XXXX young children and am in need of buying reliable transportation and housing. I can not do either, do to the inaccuracies on my credit report! I am submitting this to correct any inaccuracies across all three bureaus and request immediate remedy.
Consumer complaint received 2023-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCT Name : XXXXXXXX XXXXand XXXX XXXX XXXX  XXXX XXXX XXXX XXXX 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 accounts 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 this 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 2023-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

I am currently living in XXXX XXXX and on several occasions, I have requested a credit report from all three credit reporting companies. Since my address is overseas, the credit reporting agencies will not change my address from the old XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX. My current address is XXXX XXXX, XXXX, XXXX XXXX XXXX. 
Can you require all three agencies to send the credit report requested to the XXXX residence above? If you required, I will provide you with my SSN Thank You XXXX XXXX XXXX
Consumer complaint received 2023-12-15
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. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 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 2023-05-24
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX LA XXXX XXXX XXXX XXXX, XXXX, LA, XXXX, LA, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX, XXXX XXXX CT XXXX, CA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXXXXXX Balance : -, XXXX XXXX  XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : -, XXXX XXXX XXXX XXXX XXXX Balance : {$850.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$200.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : -, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$970.00}, XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$180.00}, XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$810.00}, XXXX XXXX NA XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I have written XXXX several times to remove this late payment off my account Account # XXXX XXXX  XXXX  Account # XXXX Late Payment XXXX Hard Inquiry ( TransUnion  ) XXXX XXXX XXXX XXXX Account # XXXX {$5200.00} Old Addresses XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX ( XXXX ) Hard Inquiry XXXX XXXX XXXX XXXX )
Consumer complaint received 2024-04-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is my second time writing to update my personal information. 
15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy a deletion of all personal identifiable information from my consumer credit report with the exception of : My Full Legal Name : XXXX XXXX My Address : Address XXXX XXXX XXXX XXXX XXXX, XXXX, NY Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the XXXX above. 
The credit bureaus are giving me a hard time to update my address. They keep addresses that I do not live it at on my credit report. This is hindering me. This is not accurate at all these addresses.
Consumer complaint received 2024-04-13
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. (MO)

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. 
Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 
15 U.S.C. 16815-2 ( 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 2023-05-24
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. (FL)

im a victim of identity theft and have contacted all 3 bureaus about this issue to no avail! i even filed a police report at my local sherrifs office and yet still nothjing has been done! beeen dealing with these issues for years and its holding me back from acquiring the things i need in life! 
XXXX  XXXX and transunion
Consumer complaint received 2023-12-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Affirm Holdings, Inc (IL)

You are listed on my credit report without my knowledge or permissible acknowledgement. In truth, you accessing my social security number without my consent is identity theft. What is worse is that you have not sent me a letter allowing me time to review such the alleged debt. Nor did I receive any notice of you implying I owe you money.
Consumer complaint received 2023-06-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (NY)

I sent a letter to Resurgent on XX/XX/2023 asking them to validate a debt they claim that I owe. On XX/XX/23i received a letter in the mail that did not validate or even respond to the letter I sent them. Below I have attached the letter that I sent them as well as the letters that I received in response
Consumer complaint received 2023-12-11
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: EQUIFAX, INC. (MD)

On XX/XX/ ( and many disputes before that ) I have submitted disputes on these four XXXX XXXX accounts. Two of the accounts are not mine and the other two are reporting inaccurate information ( all four accounts are to be honest ). I have seen numerous disputes and have not received NOTHING back from the CRAs about my dilemma, I even tried calling and either I was hung up on or they do not try to hear my plea on how I have been wronged. The accounts that are in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-27
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus last XX/XX/XXXX, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 

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 2023-12-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Velocity Portfolio Group (FL)

Creditor supposedly owns debt in consumers name. Consumer debt Velocity Recoveries a debt Verification letter via USPS certified mail with return receipt which was received by velocity on XX/XX/XXXX at XXXX at address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX See attachment, company has not yet verified debt per FDCPA per consumer request. 

Consumer received email from supposed representative of Velocity Recovery by the name of XXXX XXXX XXXX XXXX on XX/XX/XXXX also see attached email. 

Velocity Recovery is in violation of FDCPA by still attempting to collect on a dispute debt that has yet to be validated.