davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (TX)

I applied for the SAVE repayment plan in XXXX. It is still not reflecting on my account. I have been told numerous times that it would be fixed or escalated. Nothing has happened. I call and get no response at times. Aidvantage keeps telling me to place my loans on forbearance but that does not fix the problem. I will still accumulate interest and my balance will grow. Aidvantage will make millions more due to processing these applications incorrectly. I was told by one supervisor that it was an error on their side. I was told they are not willing to reimburse me for their error. I am paying over 4x what I should be paying.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The information from XXXX XXXX XXXX XXXX is incorrect. It needs to be updated to paid in full attached is documentation that this account has been paid in full years ago. I would like all derogatory information removed from my credit report, transunion, XXXX XXXX XXXX immediately.
Consumer complaint received 2024-05-15
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: Unifin Inc. (MA)

Original debt started with XXXX. It was disputed with them. They sold it and its now on its 3 debt collection company. The XXXX phones would not work at my house. They gave me a runaround for over a yr saying they would install a booster to solve the problem. After waiting more than yr they then told me they were out of boosters and were not getting any more and were not able to help.
Consumer complaint received 2023-04-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (FL)

We met with XXXX and were make a sale a timeshare. Three days after the sale we learned that the sale was made under false pretenses and would be able to be used due to my physical XXXX. XXXX agreed after several months of deliberations and finally voided our contract agreeing to refund all down payments, including credit charged, and fixing the negative filings on our credit accounts. We have now been fighting XXXX and their debt XXXX ERC to remove this debt and clear the negative credit filings. Its been over a year and we have been harassed with weekly mail, rude phone calls, and negative filings on our credit. We keep being told send in a dispute which we have three or more times with no resolution by continuing harassment. We need help.
Consumer complaint received 2024-06-14
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. (NY)

I sent a this request that you reinvestigate the disputed Account from my credit report as well as update this Account from my report. As of this date, you have failed to respond to my request.XXXX  XXXX XXXX XXXX Balance Owed : {$1600.00}
Consumer complaint received 2023-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

I have fraudulent accounts and inquiries appearing on my credit report. 
1. XXXX XXXX XXXX {$3500.00} 2. XXXX XXXX {$1300.00} Inquiries 1. XXXX XXXX XX/XX/2022 2. XXXX XXXX XXXX XX/XX/2022 3. XXXX XXXX XXXXr XX/XX/2022 4. XXXX XXXX XXXX XX/XX/2022 5. XXXX XXXX XXXX XX/XX/2022 6. XXXX XXXX XXXX XX/XX/2022 7. XXXX XXXX XX/XX/2022 XXXX. XXXX XXXX XXXX XX/XX/2022 XXXX. XXXX XXXX XXXX XX/XX/2022
Consumer complaint received 2023-12-22
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. (NJ)

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




Closed Accounts : XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Pressler & Pressler, LLP (NJ)

XXXX is saying they cant do anything with my account because of this Pressler Felt And Warshaw owns the account. Now i will be using all this in court. XXXX said they cant help me because they own the account now pressler is saying they dont own the account so your both stealing is what your saying. The debt was XXXX i paid XXXX its not my fault your two companies didnt communicate so why was XXXX taken from me.
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: EQUIFAX, INC. (IN)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2023-12-22
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. (GA)

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. 

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 has violated my rights. Or 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 2024-02-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (IL)

I filed a dispute to receive credit for a purchase. In the mean time, paypal issued a credit for the purchase but XXXX XXXX did not return the disputed funds back to Paypal even though I was told the funds would go back to the merchant ( paypal ) in 3 - 5 days. This was XX/XX/24 and XX/XX/24. As of XX/XX/24 I had to pay Paypal the funds XXXX had not returned. According to XXXX XXXX, they don't " hold '' funds and PayPal received the funds for the purchase I made and that PayPal shouldn't have charged me for the " hold '' of {$160.00} because the credit processor holds the funds.
Consumer complaint received 2024-05-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bull City Financial Solutions, Inc (GA)

Bull City Financial Solutions has placed a utility collection on my personal account. The original creditor is XXXX XXXX. Account # XXXX XXXX owed {$630.00} The account was opened on XX/XX/XXXX. I was released from prison in XX/XX/XXXX. I have never established an account with XXXX XXXX nor have I had any association with the residents of the XXXX account. Inclosed are documents to support my claims of incarceration and Identity theft and fraud
Consumer complaint received 2023-08-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
Consumer complaint received 2024-05-15
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: TransferWise Ltd ()

On XX/XX/XXXX, my Wise account was closed. At this time, I had more than XXXX euros in my account. So I applied for a refund. I submitted the information as requested. One day later, Wise responded to my appeal, but did not mention that I would be refunded. After that, I asked Wises customer service many times, and the customer service replied that the money in my account had been refunded to the sender. So I asked Wise for more detailed information, such as the sender 's name. But Wise never responded. So I initiated a complaint in wise, but in the end wise still didn't solve the problem. Wise doesn't give any information about where my money is going. I suspect Wise is being used by scammers.
Consumer complaint received 2024-04-20
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)

TRANSACTION HISTORY REMOVAL COMPLAINT I am writing to request the immediate removal of all transaction history, payment history and related balance information from my credit report for XXXX XXXX ACCOUNT tradeline as reported by TRANSUNION. This request is based on multiple violations of my privacy rights under several significant laws and regulations. 
The reporting of my information violates the Privacy Act of 1974, which protects personal information from unauthorized disclosure. It also contravenes 12 CFR 1022 ( Regulation V ), which requires the privacy and proper disposal of consumer information, ensuring data integrity and accuracy. Furthermore, under the Fair Credit Reporting Act, specifically 15 USC 1681 and 1681 ( b ), consumer reporting agencies are mandated to ensure all reported data is accurate, verified, and only made available for permissible purposes with the consumer 's explicit written consent, which I did not provide. 
Additionally, the XXXX XXXX, particularly sections 6801 through 6805, outlines the responsibilities of financial institutions to respect the privacy and protect the security of their consumer 's non-public personal information. This includes any identifiable financial information provided by a consumer that results from any transaction or service performed, which should not be disclosed without explicit written consent. 
Given these breaches of legal obligations, I urge you to act promptly to remove the mentioned information from my credit report. I expect written confirmation of this action and am prepared to take further steps to enforce my rights if necessary.
Consumer complaint received 2018-12-27
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (MN)

I closed on the sale of a home I purchased with my ex-fianc on or about XX/XX/2018. I was the primary mortgagee on the loan with Wells Fargo Mortgage. Wells Fargo mailed the escrow refund check in the amount of {$2200.00} to my ex/coborrower made out to first me, and also the secondary borrower, on or about XX/XX/2018. The check did not say " and '' between our names. My ex cashed or deposited the check into his Wells Fargo checking account without my presence, permission, or an endorsement by either of us on XX/XX/2018. I was given the runaround initially with Wells Fargo mortgage telling me I had to contact the bank - Wells Fargo banking, and then Wells Fargo banking telling me I had to contact Wells Fargo mortgage, and that I had no standing as a non-customer and not being the one who issued the check. I opened a case with Wells Fargo mortgage and asked for them to pay me my half or clawback the funds and give me my half of the escrow refund. They got back to me today, XX/XX/XXXX, with their final response, and said they found no wrongdoing either in how the check was written or in how Wells Fargo banking deposited the check. I find this to be unacceptable mortgage and banking procedure. Other institutions require signature by both parties for small amounts of money. I believe for two unmarried mortgage holders, the check should have been written with the word " and '' between our names. I also feel it should not have been possible for my ex to deposit the check without either my presence, permission, or endorsement. Both are irresponsible methods of handling these funds without due respect to the protection of the legal rights of their customers and parties to whom checks are issued. Also, my understanding is that most other banks do require all parties to be present to disperse a check made out to 2 parties. As an aside, our City Water Department wrote the word " and '' on the refund for {$150.00} sent to us, and when I told them my ex would not meet to cash it, they said they could not send the check to just me, all they could do was issue separate checks to each of us for half of the amount, which was perfectly appropriate and respectful of our legal rights. If they could do that for us, why should we expect or demand any less from our financial institutions. Attached is a copy of the check I received from Wells Fargo.
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. (AZ)

I respectfully ask that you conduct a comprehensive investigation into this matter, recognize the mistake, and expeditiously correct it by removing the unauthorized inquiry from my credit report. Your immediate attention and resolution of this issue are highly valued and appreciated.
Consumer complaint received 2024-06-14
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. (NV)

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 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 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 2024-04-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 


UNAUTHORIZED INQUIRIES, PLEASE DELETE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Consumer complaint received 2023-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.
Consumer complaint received 2024-02-27
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CLGF Holdco 1, LLC (CA)

I received a card I didnt order I immediately called the bank and reported it never activated card and according to the bank it was not used. I asked them to close it because I never ordered it and remove it from my credit but they wouldnt and argued with me.
Consumer complaint received 2023-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

15 U.S Code $ 1681c-2 a consumer reporting agency shall block the reporting of 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 the receipt. It has been 30 days and they are in VIOLATION of this law because I am a victim of identity theft! Please delete these items IMMEDIATELY!!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATLEY! 

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 Did not consent to unauthorized inquiries below, the inquiries were not authorized. 
Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MO)

My account with ( XXXX, XXXX, XXXX XXXX, ) was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX, XXXX, XXXXXXXX XXXX, Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>