davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file and are listed on my credit report XXXXXXXX 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 2022-12-22
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (PA)

I have been in a non stop struggle with American Education Services ( AES ) who services my private student loan I took out during my XXXX education in XXXX when I was XXXX years old. The loan is through XXXX. AES has made it impossible for me to defer payments. In XX/XX/XXXX, I had my first child and was without work or pay due to XXXX XXXX XXXX XXXX I had to fight to be able to postpone payments and since then, they have not allowed me any more deferment or forbearance time. On XX/XX/XXXX, I reached out to potentially lower my payment and they suggested I apply for a loan modification. I received the form on XX/XX/XXXX and submitted it back to them via their online portal on XX/XX/XXXX. My elderly mother has power of attorney for my grandmother who co-signed my student loans nearly 20 years ago. My co-signer grandmother now lives in assisted living with XXXX and is unable to fill out the loan modification paperwork independently, and her assisted living home is XXXX hours away from my home. AES has found every reason to reject my loan modification- they needed the form to have N/As instead of blanks or zeros, despite working with them to fill out the forms repeatedly. They told me my paycheck was too small and unreadable, despite sending them the only check form Im able to receive from my employer. I submitted forms back and forth to them more than 7 times since XX/XX/XXXX through XX/XX/XXXX, and finally on XX/XX/XXXX, I get an email that my application was expired and I will need to start all over again. I am absolutely drowning in student loan payments. Between AES and another private loan with XXXX XXXX XXXX, I am currently paying more than {$600.00} a month just in private student loans. This has made trying to buy a house impossible. I was late on XXXX payments waiting for them to finalize this loan modification but they are so desperate to squeeze every last dime out of hard working small families, they refuse to make any adjustments or accommodations, and even during the holiday season? Its pathetic. I worked on this during XXXX, my daughters XXXX XXXX, now through XXXX and potentially looking at having to fight with them through thei New Year.. and Ive already paid  off the money I originally borrowed XXXX over - and I still have XXXX more years of payments. I am disgusted, discouraged and absolutely broken down by this process. I wish I could go back and tell my teenage self to avoid this servicer and this loan at all costs. This has cost me so much time, money, and peace, and Ill never get any of that back. All for what? To have a job I could have gotten without my XXXX and XXXX XXXX. I was conned into this and I have no way of getting out. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX how terrible is that?
Consumer complaint received 2022-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am currently attempting to purchase a home. XXXX XXXX XXXX is creating an issue on my credit report by reporting that I was 30 days past due for the month of XXXX. To be considered 30 days past due you need to be late 30 days past the payment due date. The payment is due on the XXXX of each month. They received payment for previous month on XX/XX/XXXX, an attempt of payment was done on XX/XX/XXXX which was returned and repaid on XX/XX/XXXX. Since the payment is due on the XXXX of each month this payment would not be considered 30 days past due until XX/XX/XXXX. Why because the payment was due XX/XX/XXXX. I have attempted to contact XXXX several times and I keep getting the run around. The last person I spoke to with the resolution team stated that the credit reporting team states that the payment is considered 30 days past due because it was 30 days past the last payment. That makes absolutely no sense. What if one month I decided to pay the lease early on the XXXX and then the next month I decided to pay it on the actual day its due which is the XXXX then they would report to the credit agency as me being late? Thats ridiculous Ive never heard of such a thing. They are falsely reporting incorrect information and this preventing my mortgage from going forward. Conveniently their credit reporting team has no phone number to speak to so Im left with no resolution. I want to correct this with all three credit reporting agencies immediately.
Consumer complaint received 2017-07-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (GA)

Further to my Complaint no. XXXX and the Company 's Response, I reiterate that I applied for the card under the promotional offer by clicking on a link to the offer. Although the welcome bonus offer was described in the terms and conditions and an additional disclosure before I applied for the card, American Express should have either denied my application or informed me that I was not eligible for the offer at the time of approval of my application. Amex did neither, and made me believe that I never had a similar card in the past and that I was eligible for the offer. Only after meeting the offer requirements and demanding the bonus, Amex told me that I previously had a similar card. It is clear that Amex was not fair in communicating with prospective customers.
Consumer complaint received 2022-12-22
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. (CA)

This is my XXXX complaint to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX .... Balance : - ; XXXX XXXX  XXXX .... Balance : - ; XXXX  XXXX XXXX .... Balance : {$950.00} ; XXXX XXXX XXXX .... Balance : {$11000.00} ; XXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$4200.00} ; XXXX XXXX XXXX XXXX XXXX XXXX. Balance : {$530.00} ; XXXX  XXXX Balance : {$800.00} ; XXXX XXXX XXXX ... XXXX : {$3200.00}
Consumer complaint received 2022-11-29
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 Section 602 A. States I have 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
Consumer complaint received 2022-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX I am writing to dispute the following information provided to XXXX, XXXX and Transunion. I have given documentation showing the item has been requested for payment for removal from the collection 's agency. Spoke with XXXX, customer service agent, from XXXXXXXX XXXX  and completed the payment for request of removal. 

I am requesting the item is removed from my credit report to show the utmost updated information with accordance from XXXXXXXX XXXX sending on XX/XX/2022, establishing the payment for removal letter. 

Collections Agency : XXXX XXXX  Amount : {$260.00} Confirmation Number : XXXX Requested : Payment for Removal Note : Enclosed is the receipt for payment on the account. In addition, XXXXXXXX XXXX sends payment for removal letters on the second Friday of each month. In my case, is XX/XX/2022. Please reinvestigate this matter and contact the nationwide credit bureaus to have them delete the above item as soon as possible.
Consumer complaint received 2024-03-29
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I insist on the removal of this late payment from my account as it does not faithfully depict my payment history. I have consistently made timely payments, and it is unjust to be marked with this inaccurate entry. I urge you to promptly update my account.
Consumer complaint received 2022-12-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 


15. USC 1681 section 602 A - states rights to privacy U.S.c 1681 Section 604 A section 2 - a consumer reporting Agency can not furnish a account without my written instructions U.s.c 1681c. ( A ) ( 5 ) - no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item if 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 any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate 15 U.S.C 1692 Section 805 A states a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known Or which should be known to be inconvenient to the consumer.

15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows it has reason to know that the consumers employer prohibits the consumer from receiving such communication 15 USC 1693 2 Section 806 section 5 causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse or harass any person at the caller number.
Consumer complaint received 2022-11-29
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

XX/XX/2022 my husband got a call from Bank of America saying that someone was trying to access our accounts thru XXXX. The number they called from was the same number on the back of the bank card. They " walked '' him thru stopping the transaction. Come to find out it was a scam and they were " spoofing* the phone number. They transferred {$3500.00} out of our personal checking account and {$3500.00} out of our savings. That evening when we figured it out because the checking account went negative over {$2100.00} we call the bank to report it. Then we also called our local Law Enforcement and made a report. The bank advised since it was a scam and not fraud we would not get our money back. The next evening the scammers called back, we hung up. Then we called the bank to let them know. Once again we were told we " probably '' will not be able to recover our money. The representative that answered even read me a script on the difference between scam and fraud. The next day we went to a branch office to talk to them. In their office they had a monitor up and it was showing about how bad XXXX is scamming people. When I pointed it out to the manager he said he sees between XXXX a week. He could not give me an answer on how they transferred money from my checking account that wasn't even there. He had no answers about anything but did advise us we probably won't get our money back also. So now we are out {$7000.00} and need to know our next step. Maybe the Electronic Funds Act.
Consumer complaint received 2022-12-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (FL)

During the past week I had visited my local bank. Upon checking my credit report. I had come to realization that my ( Discover ) card had been closed, increasing my credit usage to a 980 %. I had not received an email or letter in regards to this, and I have not missed any payments on my card. Thus, I contacted ( Discover ) to find out why this had happened, and if I could have the issue resolved. I was told by costumer service that an email and mail was sent, both of which I had not received, as well as I was called once, and a voicemail was left, which I have never heard of a banking enterprise only calling a customer once. The personals stated that a verification was needed for my account without any reason. I was made aware that my card could not be reopened, and there is nothing that can be done. I found this to be very unprofessional and unjust as I now have to bear with the after effects in my day to day life, wile, remaining consistent in my payments. To this day I have not received a acceptable response.
Consumer complaint received 2018-04-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

TransUnion File # XXXX Date XX/XX/18 TransUnion has on my credit file Cash Advance Inquiries from cash advance companies in which I have not applied for or owe. TransUnion has yet to provide any proof of any document of any kind of me applying for a cash advance loan. TransUnion has committed fraud or sold my information with out my permission. TransUnion has not provided any proof of no kind and committing fraud under my name for cash advance loans inquiries.
Consumer complaint received 2022-12-21
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)

Despite multiple written requests, the unverified items listed below continue to report on my credit report, in violation of federal law. These items must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these items, 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 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 2023-01-17
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. (TX)

I submitted a letter to the Equifax & XXXX Credit Bureaus on XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. XXXX XXXX XXXXXXXX XXXX Balance : {$0.00XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX XXXX Balance : {$650.00}
Consumer complaint received 2021-01-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (SD)

Upon checking my credit report on XX/XX/XXXX, I noticed information for Jefferson Capitol System in the amount of {$2600.00}. The agency reported the debt to my credit reports on XX/XX/XXXX, however I never received any notification of this debt, validation of the debt, or information on my right to dispute the debt.
Consumer complaint received 2022-12-22
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. (NJ)

I would like to request the suppression of these items from my credit report, which is the result of fraudulent items origination and identity theft. These fraudulent items should be DELETED from appearing on my credit report pursuant to SECTION 605B OF THE FAIR CREDIT REPORTING ACT. Im attaching the required FTC Report for you ( which complies with FCRA Section 60XXXX ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Transunion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy... I'd like the accounts below deleted from my file ASAP : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-22
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. (TX)

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$610.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX RXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX Balance : {$3600.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : $ XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-12-22
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Home Point Financial Corporation (AL)

XXXX XXXX refinanced his and XXXX XXXX home on XX/XX/XXXX for {$100000.00} as a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX  then went and refinanced XXXX XXXX home again as a XXXX XXXX on XX/XX/XXXX for {$150000.00} posing as my XXXX XXXX, he has also transfered XXXX XXXX of XXXX XXXX XXXX XXXX savings account to his bank account with out her permission or her knowledge, XXXX XXXX then discovered that there was numerous bank transfers on her banking account statement, I then contacted her bank due to these transfers, as I have the power of attorney over XXXX XXXX, I had discovered that this has been going on since XX/XX/XXXX. I have made a police report and been in constant contact with my XXXX bank and I have also contacted the XXXX  regarding this matter. I am very concerned about this because my XXXX XXXX XXXX XXXX and now XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. I have no idea what else he has done or gotten money from posing as XXXX XXXX. There was a judgement against XXXX XXXX XXXX XXXXXXXX, my father had to sign an affidavit stating that he was not the XXXX XXXX that had a judgement against him so he could refinance the home. My XXXX signed XXXX in XXXX stating that he was not the XXXX XXXX with a judgement against him, which he is the XXXX XXXX with the judgement it is for child support, so is has also falsified that information.
Consumer complaint received 2023-06-01
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: The CBE Group, Inc. (VA)

I never had a contract with XXXX XXXX XXXX have been furnish inaccurately once before. And was removed. 
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.

Delete this accounts immediately, unless you want to be held {$1000.00} per violation 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.