davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-28
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: EQUIFAX, INC. (FL)

A follow suit letter was sent out to Equifax on XX/XX/23 to remove item XXXX XXXX  ) as it was removed from the other credit bureaus. 

Ive also sent out a letter to XXXX and XXXX on XX/XX/23 for method of validation of accounts named : ( XXXX & XXXX XXXX ). 

Another letter was sent out to XXXX on XX/XX/23 to remove unauthorized inquiries on my credit report. The negative items are XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX According to the Fair Credit Reporting Act, section 609 ( a ) ( 1 ) ( A ), under federal law, the credit bureaus have 30 days to complete the investigation, with physical verification of the original signed consumer contract. Which the credit bureaus have failed to do so.
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

this debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and i didn't sign an agreement on. A legal contract is signed by two parties and i did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights. 

XXXX. **Date of Last Activity : ** There's a discrepancy in the reported date of last activity among the three credit bureaus ( XXXX, XXXX XXXX TransUnion XXXX. Consistency across bureaus is essential for accurate reporting. 

XXXX. **Date Reported : ** The date reported is different for XXXX XXXX to the other bureaus, which could affect the interpretation of the information and might need clarification or correction. 

XXXX. **Account Rating and Description : ** While two bureaus report the account as " Paid, '' one bureau lists it as " Derogatory. '' Ensuring consistency in the account rating across all bureaus is crucial. 

XXXX. **Closed Date and Account Status : ** There's an inconsistency between the reported closed date and account status, especially with remarks like " Account has been closed due to inactivity '' and " Payment after charge off/collection. '' 5. **Creditor Remarks : ** The remarks provided by the creditors vary across the bureaus. They should accurately reflect the actual status of the account for consistency and clarity. 

XXXX. **Payment History : ** There are different late statuses ( 30, 60, 90 days ) reported across the bureaus for specific months. Consistency in reporting these late statuses is essential. 

XXXX. **Credit Limit : ** While the credit limit is reported consistently across all bureaus, it's mentioned in the remarks for one bureau, which might cause confusion. 

XXXX. **Dispute Status : ** Although the dispute status mentioned is " Account not disputed, '' if there are inaccuracies or discrepancies, it might be necessary to dispute these entries for correction.
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX Subject : Dispute of Incorrect Personal Information on Credit Report Dear to whom may concern, I am writing to dispute certain information on my credit report, as I have recently reviewed the report and identified inaccuracies that require your attention. The details in question are as follows : XXXX. XXXX XXXX XXXX XXXX, Tn XXXX - Inaccuracy : Never Lived Here XXXX. XXXX Rep XXXX XXXX XXXX XXXX - Inaccuracy : Never lived here I request a thorough investigation into these discrepancies and kindly ask for the prompt correction of the inaccuracies. To support my dispute, I have enclosed relevant documentation, including [ provide a list of documents, such as proof of payment, account statements, etc. ]. 

I understand that, under the Fair Credit Reporting Act ( FCRA ), you are obligated to investigate my dispute within 30 days of receiving this letter. Upon completion of the investigation, I request that you provide me with a written summary of the results and a copy of my updated credit report. 

Thank you for your prompt attention to this matter. I trust that you will address and rectify the inaccuracies on my credit report at the earliest convenience. 

Sincerely, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX
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: Early Warning Services, LLC (FL)

Hello, My name is XXXX XXXX XXXX, Consumer, Cardholder, Maker, who currently reside at XXXX XXXX XXXX XXXX XXXX, FL XXXX which is in XXXX XXXX XXXX XXXX I am writing this complaint Early Warning Services , LLC, XXXXXXXX XXXX XXXX XXXX, XXXX, or " XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, any of the above-mentioned corporations ' executives, directors, assignees, Officers, affiliates, or nonaffiliated third-parties, have violated many Consumer Protection and Racketeering and Privacy Laws. Early Warning Services , LLC is furnishing inaccurate, inequitable, negative information that is causing XXXX XXXX XXXX, Consumer, severe financial distress, causing her to be unable to extend credit. These accounts need to be purged, deleted, and/or removed from the Early Warning Services , LLC Consumer Report file of XXXX XXXX XXXX XXXX Consumer.
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: RFNA, LP (SC)

I have not given these companies written permission to put anything on my Credit profile 15 USC1681B2. I have asked these companies to remove this information from my credit profile and they have not done so. 

XXXX XXXX  ( {$10000.00} ) XXXX XXXX amount. ( {$10000.00}
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attention to this issue. Attached you will also find my ID as proof of my identity and my Proof of Address.
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

Please correct this immediately. It says I was late or bankrupt but I can't find any proof of that.You know those cases, XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX )? They make it pretty clear that this needs to be sorted. So, if you can't find any evidence, could you update it to " paid as agreed, never late ''? XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account : **** XXXXXXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account number : XXXX
Consumer complaint received 2023-05-09
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)

You are in direct violation of the fair credit reporting act XXXX XXXX XXXX  XXXX has violated several of my rights. 

15 U.S.C 1681 sec 602 A. Clearly states that I have a right to privacy.

15 U.S.C 1681 sec 602 A. Also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B. A creditor may not treat a payment on a credit card account under a open-end consumer credit plan as a late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of several laws under the fair credit reporting act.
Consumer complaint received 2024-07-12
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (CO)

I received a call from a private number at XXXX and it ended up being Comenity Bank calling because I was a couple days late on my credit card payment for Torrid clothing store. 

I asked the rep why they were calling me from a private number, he stated it was a known issue they're trying to resolve. This is so beyond unprofessional and deceptive, there is zero reason to continue calling from a private number of it's a known issue. My {$35.00} Torrid bill does not justify them blocking their numbers and masking their identity to fool people into thinking someone of law enforcement is calling. 

This entire situation was the epitome of triggering. But I guess it worked cause I paid the bill, right? I have never been more excited to never work with a company ever again because of this. I can't risk them doing that again and me fearing it's a life changing call only to find out it's XXXX from billing wanting payment for my chubby girl clothing bill.
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

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 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation (OH)

The account with Bridgecrest should reflect a {$0.00} balance. Currently it is still reporting a balance on the loan which appears on the 3 credit reports XXXX, XXXX and XXXX. 

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. Bridgecrest, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2024-01-02
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. (NJ)

I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I have documented all correspondence with your company. Please remove these fraudulent accounts, as you know they are in violation of the Fair Credit Reporting Act. Attached you will also find my ID, and Proof of Address with my most recent bill.
Consumer complaint received 2024-06-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (NC)

I applied for a consolidation of all of my loans with the XXXX XXXX XXXX prior to the XX/XX/year> deadline. In that application, I added all my loans. Some of my loans that are serviced with MOHELA were denied with reason being in school status. 

I graduated from XXXX XXXX XXXX XXXX on XX/XX/year>. My XXXX XXXX that I received in the mail has an issuance date of XX/XX/year>. The registrars office at the school informed me that my status of graduated and completed has been in the system since XX/XX/year>. 

I sent another application to add the more recent MOHELA loans to XXXX. Those loans were denied again because of in school status. Ive contacted MOHELA about this issue a few times. One representative told me that I had no recent loans with them besides the one already consolidated which they are servicing. 

I believe all of my loans are now eligible for consolidation. I am requesting that MOHELA send accurate information about the status of my current unconsolidated loans to XXXX. This will allow all of my loans, both past and present to be consolidated into one loan.
Consumer complaint received 2024-06-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA (OR)

I am hoping you can assist me with this issue I am facing with MOHELA. Please see the complaint I submitted to MOHELA in detail below. I have kept record of my complaints and the processing errors, delays, and communication issues with MOHELA. I would like to request support in getting this interest removed. Please advise. 

As of today XX/XX/XXXX I have been once again placed on administrative forbearance despite qualifying and being enrolled previously for the SAVE plan and I never requested this action on my account. The SAVE plan does not accrued interest in the way administrative forbearance does. This is the 5th time MOHELA has placed me on administrative forbearance forcefully, allowing accrual of interest on my account that should absolutely NOT be occuring. I once again, for the 4th time, am claiming in writing my right to have this undue interest accrued removed from my account for all periods of administrative forbearance that I was placed on and forced to have despite qualifying for and having IDR applications approved, including the SAVE plan, since XX/XX/XXXX. Interest from all of these periods of administrative forbearance that have led to thousands of dollars ( nearly XXXX ) worth of accrual of interest on my account since XX/XX/XXXX ( over a year ago! ) needs to be removed. This interest was accrued due to MOHELA processing delays and errors, many of which continue to this day despite my continuous efforts to call MOHELA, and my speaking to representatives on the phone only to be hung up on and continuously given conflicting and even false information. I have contacted MOHELA via the online portal as well as by phone 20 times since this time last year with no resolution.

As I have noted in my previous messages to MOHELA, many of which have never been responded to, I will be submitting this information as a complaint to the CFPB, studentaid.gov, my ombudsman and congressman and plan to join a class action lawsuit regarding these predatory practices when one is opened if MOHELA continues to neglect to resolve these issues with my account.
Consumer complaint received 2024-01-02
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)

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2024-06-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My XXXX XXXX account was closed then it was re opened there is no information on last payments, and Im receiving different messages regarding the account. I am currently disputing it with all credit bureaus and TransUnion has a lot of wrong information
Consumer complaint received 2023-04-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: U.S. BANCORP (MO)

On XX/XX/23 I applied for a credit card with US bank. I have not received the card as of today XX/XX/23. However, the credit card is already activated as I can see on my online banking. I called the credit customer service, explained situation and asked them to close my credit card. After speaking with 3 different representatives with 3 different phone calls, my account is sill not closed even if they told me they were closing it every single time. I called 4th time and this time they kept transferring my call from one person to another and the credit card is sill not closed. US bank has major security issues with horrible customer support. I will close all my accounts with US bank in person and never use their service again.
Consumer complaint received 2024-06-06
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

My lease for XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX., XXXX XXXX, TX XXXX began on XX/XX/XXXX and was created for a term of XXXX year. Before this, I was residing in XXXX XXXXXXXX previous to this in which I was informed in writing on XXXX occasions that I would not need to provide a security deposit. ( Lease agreement shows {$0.00} for Security deposit & the Welcome Home Letter also states this. ) I paid my rent timely each month without issue even with the property going through a change in ownership. On XX/XX/XXXX, I proceeded to make my payment as normal in full and had a {$0.00} balance. Then on XX/XX/XXXX, a {$300.00} charge for security deposit was placed and received a message on XX/XX/XXXX requesting for me to sign a new lease with the updated charge. On XX/XX/XXXX, I expressed verbally and in writing that I did not agree to this change and would not be signing any documents. In this same manner I also requested to have the charge removed from my ledger. It is stated within the original agreement on XXXX XXXX Lease changes are only allowed during the Lease term or renewal period if governed by XXXX. XXXX, specified in Special Provisions in XXXX. XXXX, or by a written addendum or amendment signed by you and us. The property manager, XXXX XXXX, denied my request and stated I needed to sign the paperwork and pay the balance. Multiple requests were made to have my concern raised to upper management and were not answered. When consulting with the legal counsel from XXXX XXXXXXXX XXXX XXXX, they stated that XXXX XXXX XXXX XXXXXXXX was in breach of the agreement, therefore making it null and void. I then proceeded to notify the property that I would be vacating the property and find other housing. They continued to go through the eviction process and place this on my credit and hand off to COLUMBIA DEBT RECOVERY LLC DBA GENESIS. I have disputed this with all XXXX credit bureaus in which XXXX has deleted it from my file, but not XXXX or XXXX as they state COLUMBIA DEBT RECOVERY LLC DBA GENESIS has verified the account is correct. This has caused a significant burden on my quality of life as it has impacted my credit and rental history negatively. I need the account ( # XXXX ) deleted from my file entirely.
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX has refused to properly update my student loan balance on my credit report for four months now, and they flat out refuse to help when I call them. Once again, my credit reports are incorrect, and the only way to attempt to fix them is to waste my time filing a dispute with the credit agencies. 

It is impossible to get a hold of a representative at XXXX who can actually do anything to help. It is near impossible to get a hold of any representative at all. They will claim that they are busier than usual, and they are sorry for the inconvenience, but they know darn well that they refuse to hire enough people to handle the job, and train them well enough to do actually do anything remotely helpful. They have no problem wrecking people 's credit scores, as there is no consequences for their actions. This is a scam, and XXXX does not deserve to stay in business.