davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-11-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC (GA)

To Whom it May Concern, I received a notification on my XXXX report # XXXX that Spring Oaks Capital LLC # XXXX hit my report with a debt that was discharged and disputed in XXXX and I learned that Spring Oaks Capital LLC is a debt buyer who bought the debt and have added it to my credit report without any communication from you. I called roughly on XX/XX/XXXX the moment I saw the notification and you asked to verify my phone number and email address and it was at that time I learned who and what XXXX was aka XXXX, I NEVER got any phone calls nor emails as I look at in and all emails received. The agent at Spring Oak LLC gave me details and I have " NO " knowledge and I mentioned to her that I remember seeing the account name in my ID theft. 

This debt was discharged due to ID theft XXXX Affidavit and XXXX Police report that was filed the moment it occurred with other items. 
All of my information somehow was used to open several accounts that caused major havoc to my file. What disappoints me most is that this could have been settled before you posted an account that was disputed and deleted many years ago because of me being a victim of identity theft and no one contacted me. I also noticed on my XXXX file that this account was placed for collections in XXXX and it is now XXXX and this is the first time that I have even heard of anything about this collection. 

I have attached the ID theft case and affidavit The Fair Credit Reporting Act ( FCRA ) prohibits credit reporting agencies from reinserting account information that was previously disputed and removed from a consumer 's credit report that involved ID theft. 

Also per the CFPB policy before a debt collector can report your debt to a credit reporting company, the debt collector must do any one of the following : 1. ) Speak with you in person about the debt, I never spoke with anyone 2. ) Speak with you by telephone about the debt, never called me 3. ) Mail you a letter about the debt and wait a reasonable amount of time ( generally 14 days ) for a notice that the letter wasnt delivered, or 4. ) Send you an electronic communication about the debt and wait a reasonable amount of time ( generally 14 days ) for a notice that the message wasnt delivered. Especially since the debt started collection started in XXXX and it is now XXXX. 

All of the above NEVER happened I am also disappointed in how XXXX allowed this to happen for they have received all of the proper documents years back and along with my ID theft it was disputed and removed because the ID Theft. XXXX has failed and should not have allowed this to happen and did not follow FCRA laws.
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NM)

I moved for XXXX to stop reporting negative accounts on my consumer report. I did not give written permission to have these accounts furnished on my credit report ( 15 USC 1681a2 ). These accounts must immediately be stopped from reporting on my credit report
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Upon reviewing my credit report, I have identified information on my credit report that were not authorized. I'm a victim of Identity theft and this information is not mine. The other Bureaus are not reporting this fraudulent information.
Consumer complaint received 2023-09-01
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PENTAGON FEDERAL CREDIT UNION (GA)

My name is XXXX XXXX, a resident of Georgia and I am one of the many victims of XXXX XXXX XXXX and XXXX XXXXXXXX XXXX XXXX  elaborate Ponzi scheme. I have been working with Agent XXXX XXXX, until his retirement. 

I am trying to communicate with my lender ( Pentagon Federal Credit Union ) that I am a victim of fraud. The vehicle in question is from XXXXXXXX XXXX XXXXXXXX, XXXX - XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX - a XXXX XXXXXXXX XXXX ( XXXX XXXX ) with and price tag {$75000.00} ) is a part of the fraud and that this matter is being investigated by the US Attorneys office in XXXX, GA. 

The case number for the open Federal Investigation involving this matter is XXXX. The agent is XXXX XXXX XXXX ( XXXX ) and his email is XXXX. 

# 1 - Pentagon Federal Credit Union Auto Loan Account # XXXX
Consumer complaint received 2022-11-24
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: Experian Information Solutions Inc. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : 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 2023-11-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (AL)

Wanted to get into repayment. Filled my information out to Federal Aid back in XXXX. Never got a response back from them and tried calling them and stayed the phone on hold for 2-3 hours and gave up. Sent a email to them and they said I needed to upload my income information. I provided them my income information through their uploading and once again I never heard anything from them. I then went back to Federal Loan Student aid and filed for the SAVE plan and once again I never got a response from aidvantage. I then went through a company called XXXX that handles the application process for IDRs or any repayment plans and submitted that application and it got sent to aidvantage once again. I then message them three days ago and once again no response. 

The biggest problem I am having and they dont even have what I need to paying in their site. When I log into aidvantage it doesnt even tell me that I owe anything when I look into the details they keep saying that they are for the application. The final straw was they started accruing interest in my student debt which I lost points of my credit because of that. Also the account that I have with aidvantage was not even created by me. It was by a third party who put my loan in forbearance a few years ago pretending to say that they were actually the department of education when they wasnt. 

So imagine going through what I am going through right now which is literally zero information and with zero ability to do anything about it and getting punished. It is actually getting to the point where I need to talk to a lawyer as aidvantage is purposely halting federal loan applications so they can accrue more interest on top of my student loan as I am just waiting to see what I actually owe per month based off the save plan I chose. 

Hopefully this all makes sense and I really need help on this.
Consumer complaint received 2023-10-13
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. (IL)

I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.
Consumer complaint received 2023-11-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc. (GA)

XXXX XXXX Consumer Financial Protection Bureau Subject : Formal Complaint Against Navient for Non-Compliance with Opt-Out Disclosures Dear Consumer Financial Protection Bureau , I am writing to formally lodge a complaint against Navient regarding their failure to provide me with the opt-out disclosures for my student loans. I previously submitted a dispute to Navient and the Department of Education concerning the absence of opt-out notices for all my student loans. Regrettably, I have not received a response from either entity in accordance with my request.

As per the Fair Credit Reporting Act ( FCRA ), consumers are entitled to receive opt-out disclosures when disputing information related to their credit report. Despite my efforts in reaching out to both Navient and the Department of Education, I have not been provided with the necessary information that would allow me to make an informed decision regarding the management of my student loans.

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure Navient 's compliance with the FCRA. I believe that the lack of response from Navient and the Department of Education is a violation of my consumer rights, and I am seeking your assistance in rectifying this situation.

Enclosed with this letter, please find copies of my previous dispute submissions and any relevant correspondence with Navient and the Department of Education. I appreciate your attention to this matter and trust that the Consumer Financial Protection Bureau will take the necessary steps to address this issue promptly. 

Thank you for your time and assistance in resolving this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-11-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (OH)

Aidvantage is not recording payments being made. I made a payment on XXXX of {$100.00} and the money was processed out of my XXXX bank account on XX/XX/XXXX while the company was still showing processing. I checked Aidvantage today, XX/XX/XXXX and the payment isn't showing as processing or received. The payment has disappeared and is not reflecting on my balance and yet the money is taken out of my bank account. I can not get ahold of a representative with the company to even check on this issue after being on hold for over half an hour., I received a payment confirmation when I first made the payment but I do not trust this company to follow through since the payment has fallen off their records. It is also clear this exact situation has happened to other Aidvantage customers. Interest is added daily on your principle and I believe this company is doing this on purpose to make more money.
Consumer complaint received 2024-04-18
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)

Under federal law, you have XXXX ( XXXX ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( XXXX ) days of the completion of your investigation. Under federal law, you have XXXX ( XXXX ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( XXXX ) days of the completion of your re investigation.
Consumer complaint received 2022-05-18
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: Block, Inc. (CA)

Its cash app Im trying to transfer my money from old account to the newer account and theyre been trying trying its not working i I told him to close my account send me a check theyre saying yes and Ive been waiting months already I just talked to them they still didnt do that
Consumer complaint received 2023-11-03
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: FlexShopper, Inc (MS)

XX/XX/ RE : Discrepancy and Billing Issues with Flexshopper - Urgent Resolution Required Dear Flexshopper and XXXXXXXX XXXX in XXXX, XXXX XXXX XXXX I am writing to address a concerning issue I have encountered regarding my recent transactions with Flexshopper. I have reached out to your customer service on numerous occasions, both through phone calls and emails, with no satisfactory resolution. The handling of this situation has left me deeply dissatisfied and frustrated. 
Upon reviewing my bill, I noticed a significant discrepancy. I have attached the invoice from XXXX XXXX in XXXX, Mississippi, dated XX/XX/2023, which clearly shows my purchase with an Invoice Total of {$330.00}. However, Flexshopper 's records indicate a significantly higher amount, which is both inaccurate and unacceptable. 

Furthermore, my credit has been checked three times for a single bill, which has negatively impacted my credit report. This was caused by an erroneous charge on XX/XX/2023, when I did not receive any service due to the unavailability of the tires at the XXXX, Mississippi XXXX location of XXXX XXXX  These issues have caused severe inconvenience and distress. 

I have made multiple visits to XXXX XXXX in an attempt to rectify this situation, which should not have been necessary in the first place. I believe that this discrepancy, coupled with the impact on my credit, reflects poorly on the professionalism and integrity of your company. 

I have attached my lease agreement with Flexshopper innpurchasinf tires with XXXXXXXX XXXX XXXXXXXX # : XXXX, as evidence of the actual transaction. 

I am determined to settle this bill promptly, but I refuse to pay the incorrect amount of {$670.00}. Additionally, I intend to dispute these inaccuracies with all relevant credit bureaus. 

It is imperative that this matter is handled promptly and efficiently, as it is evident that some individuals within your company are not fulfilling their responsibilities. 

I request an urgent resolution to this issue, and I hope that this letter will serve as a catalyst for addressing these discrepancies and restoring my faith in your services. 

Sincerely, Email : XXXX Phone : ( XXXX ) XXXX [ Attachments : Invoice from XXXX XXXX  ] CC 'd : * Corporate Office * XXXX XXXX XXXX XXXX XXXX * XXXX, NY XXXX * Customer Service : ( XXXX ) XXXX * XXXX * XXXX * XXXX * XXXX * XXXX * XXXX
Consumer complaint received 2023-11-07
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)

I'm sending this compliant to inform credit bureaus that the following companies made unauthorized inquiries on my personal credit report. I have listed the names of the companies below, and the dates the inquiries were made. 

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 2022-11-16
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: EQUIFAX, INC. (PA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-18
Product: Credit card — General-purpose credit card or charge card
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. (FL)

I consistently make on-time payments. I am confident about this. What baffles me is why this company is marking me late in some months, which shouldn't happen. As per USC 1666b, any billing errors must be rectified, or else they'll owe me {$1000.00} for each inaccurately reported account.
Consumer complaint received 2022-04-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (MN)

On XX/XX/XXXX, I had an unauthorized transaction from my XXXXXXXX XXXX  checking account through CashApp. I have never in my life used CashApp and the account was started fraudulently. The amount of the fraud transfer from my account was for {$150.00}. I have requested documentation to show that the charge was not from my phone, nor did I authorize any charges from my phone. I believe my number was routed through the CashApp and was authorized through an alternative method using my phone number.
Consumer complaint received 2023-11-22
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (MA)

On XX/XX/2023, I received an email addressed to me by first and last name at my email address from Wells Fargo that they have received an application for a " Wells Fargo Time Accounts ( CDs ) ( 3 months, 4.50 % Annual Percentage Yield ) ''. I did not apply to open this account. That night I called Wells Fargo customer service and talked to 3 customer service reps including the identity theft team to verify that there is no application for a Wells Fargo account under my Social Security Number. However, over the next week, I continued to receive a series of emails addressed with my name on them about the following topics : " Access your deposit account documents electronically, Your Wells Fargo contact information has been updated, and especially concerning, emails to rate a visit to a Wells Fargo branch on XX/XX/2023 ( which I of course never visited since I am the victim of the identity thief ). I sent these emails to the identity theft / phishing team at Wells Fargo which they is what their customer service rep told me to do. 

On XX/XX/2023, I called Wells Fargo customer service again to report that I am still continuing to receive multiple emails with my name in them about a Wells Fargo account that I never opened and even visiting Wells Fargo branches, which I did not do. I spoke to the identity theft team at Wells Fargo and they said that there are no accounts at Wells Fargo using my Social Security Number. However, they are not able to search for accounts using my full name or my email address. They are also not able to search based on the Wells Fargo application ID that I received in that original email from XX/XX/2023. The rep also told me that they are not able to close the account that the identity thief opened so that I will continue receiving emails from Wells Fargo associated with this account forever. Theres effectively nothing they can do to resolve this situation in terms of closing this account and remove my name from the Wells Fargo system. 

Im reaching out to the CFPB for help on this issue. I would like Wells Fargo to treat this as a serious issue of identity theft and close this account and remove my name from the Wells Fargo system.
Consumer complaint received 2023-08-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY (FL)

While I was out of state someone used my credit card and went on a shopping spree spending XXXX dollars in a day. Contacted TD bank and they denied my claim by saying it was my regular spending limit when my card has a limit of XXXX in total. I asked for an appeal and they didnt even take a week a day later they denied my claim again saying the card was used before in a legitimate purchase a while ago. I explained I shopped there before but I wasnt the one using it. They told me there was nothing else they can do.
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: NAVY FEDERAL CREDIT UNION (GA)

There is misleading inaccurate information being reported on my credit report. The company 's name is XXXX XXXX XXXX XXXX  and the mount is : {$520.00} the date is : XX/XX/2018
Consumer complaint received 2023-11-21
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: ENCORE CAPITAL GROUP INC. (IL)

I've lived in XXXX  since XXXX of XXXX. I received a letter from my place of employment and a copy of a garnishee disclosure filed in XXXX. I am being garnished for {$5000.00} and I do not know why. The garnishment is going to start this week. My rights were violated. 
-I was sued in XXXX  XXXX XXXX XXXX XXXX. I live in XXXX. 
-I was Never notified of a court date or by this debt collector regarding a debt -I am being garnished for {$5000.00} -My wages are being garnished for 25 % ; The law in XXXX states that the maximum someone can be garnished for is 15 %
Consumer complaint received 2018-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have WRITTEN TRANSUNION on 2 occassions asking them to remove the EXTENDED FRAUD ALERT, they told me to submit the request in writing and I did. And the FRAUD ALERT is still there. I DON'T NEED the fraud alert because I can LOCK my credit reports with the touch of a button.