davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-21
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. (NC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX Account Account # XXXX Account name : XXXX XXXX Account # XXXX Account name : XXXX XXXX  Account # XXXX Account name : XXXX XXXX Account # XXXX Account name : XXXX  Account # XXXX 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 2023-04-10
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. (NV)

This is my 7th endeavor 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NV XXXX XXXX XXXX XXXX Balance : {$410.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$8200.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$5000.00} ( Original Creditor : XXXX ) XXXX Balance : {$220.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$770.00}
Consumer complaint received 2023-04-26
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. (IL)

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 correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX Balance : {$3700.00} ; XXXX XXXX XXXX XXXX : {$7200.00} ; XXXX XXXX XXXX XXXX : {$2200.00}.
Consumer complaint received 2020-01-10
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (AZ)

.. Loan Care XXXX XXXX paid flood insurance XXXX. On XXXX they paid it again for XXXX. I was in the process of changing insurance. I had called and asked them not to pay it. So they pay it twice. When I received my Statement. for XXXX payment I called and asked why they paid the ins twice, they had no answer. But was told I needed to get the XXXX payments back from the insurance for my escrow account. So I called the insurance several times. They sent Loan care XXXX back on XXXX paid XXXX for XXXX payment. I was told If I paid XXXX it would clear the shortage, if not my payment would XXXX. I sent the check on XX/XX/2019. But had to pay the XXXX for XXXX. I called and talked many supervisors they all said I didn't send a check. Kept telling me I was short XXXX they did several account disclosure statements. And told me I was wrong. On XXXX I paidXXXX. I called a supervisor again, this time she told me to send copy of the check to resolution team. So I did, they told me would be resolved by XXXX. I called they said no nowXXXX. they were supposed to call me both times. I called on the XXXX Now the check is in a suspense account. there till XXXX XXXX payment XXXX. They wrote me XXXX letters told me how seriously they take this, but can not reach them, on XXXX XXXX and XXXXOffice closed never calls back. I want to know why they stressed me out, Where was my money, why mistakes on their responses thank you
Consumer complaint received 2023-06-09
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. (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 in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-10-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Maximus Federal Services, Inc. (CO)

With the end of the student loan repayment pause, I reached out to AidVantage to understand why my account balance was higher on their website than it was on the studentaid.gov website. 

On XX/XX/2023 they responded that " Your current balance is {$8300.00}. This discrepancy of {$3.00} can be due to the refund request that was processed. This discrepancy of {$3.00} can be due to the refund request that was processed " which didn't make a ton of sense to me, but it was only {$3.00} so I figured they were a bit XXXX but it wasn't worth my time. 

Then, on XX/XX/XXXX I got informed that my auto payment has been processed, but I see that now on the Aidvantage website it says that my balance is " {$8400.00} '' When I look at " Account History '', the only action in the last 90 days is from XX/XX/2023, where it says " Capitalized Interest '' but all of the amounts say {$0.00} ( screenshot is included ). It doesn't say anywhere why or how this {$27.00} dollars was accrued or how I could have avoided it being converted to principal. 

It looks to me like Aidvantage is expecting that most of their borrowers aren't noticing this increase in their amounts due, thus they're marking that interest was capitalized but not noting the amount on our accounts page, so they've somewhat told us that interest was converted into capital but they withheld the amount and it is not obvious what happened nor why. 

This feels like XXXX behavior- I'm on autopay, so why should I be penalized with capitalized interest when I had no chance to pay that interest/the auto-pay didn't cover it? 

I tried calling Aidvantage today XX/XX/2023 to ask them about this but they just kept me on hold for over an hour.
Consumer complaint received 2023-10-06
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (NY)

During a very harsh personal situation - XXXX XXXX, I received a phone call from Citibank asking me if I used the Citibank/Home Depot card lately. I told them that I never used this card since XXXX time frame when I needed it to get new windows for my house. I also mentioned to them that I did not know that I still have credit with them, more exactly {$5000.00} credit that they assigned me. During the summer, I received a few calls and an email + online receipts from somebody from Citibank trying to push me onto recognizing the purchases. I did not recognize those purchases made online since my card was not used to make those purchases. After a provisory credit of 2 months, and they never sent me a letter to announce that the provisional credit had stopped. The Citibank/Home Depot bills started in XXXX. Since then, they are coming regularly with added monthly interest. To me this is a very clear case of cybersecurity theft and a credit cards behavior of getting their money back on the expense of customers like me. I do not understand why should I pay for bills/purchases that I never made nor that somebody authorized by me made those purchases. All the Home Depot purchases that I made this XXXX were purchases made and paid by phone, with my XXXX card. I completed a police report ( on XX/XX/2023 ) and contacted XXXX and XXXX XXXX. I plan to contact XXXX as well, I will also contact the CitiBank/Home Deport card suc as to consider an appeal.
Consumer complaint received 2023-05-17
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. (GA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since XXXX a stickler for research, I found that under section XXXX of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. XXXX 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 XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX CT XXXX, GA XXXX XX/XX/2022, XXXX XXXX XXXX XXXX XXXX GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX, XXXX XXXX XXXX Balance : {$36000.00}, XXXX XXXX  XXXX XXXX XXXX : {$840.00}, XXXX XXXX XXXX XXXX Balance : {$790.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX  XXXX XXXX XXXX {$5400.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1400.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$110.00}, XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022, XXXX XX/XX/2022, XXXX XX/XX/2022, XXXX XX/XX/2022, XXXX XX/XX/2022, XXXX XX/XX/2022, XXXX XX/XX/2022, XXXX XXXX XXXX XX/XX/2022, XXXX XX/XX/2022, XXXX XX/XX/2022, XXXX XX/XX/2022
Consumer complaint received 2023-08-21
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. (SC)

My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-02-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I applied for the Bank of America Cash Rewards Card. Incentives are {$25.00} per quarter, if eligible. But I missed the last quarter rewards. I called BOA customer service on XX/XX/2023 and after reviewing my account, the staff XXXX said I am eligible for the reward but should wait until XX/XX/2023. He said the rewards would be arrived within 30 days. If there is no award, I can call back after XX/XX/2023. Because I dont see the rewards, I called customer service again on XX/XX/2023 XXXXXXXX XXXX. XXXX review my account and she said she can write a notice on my account and let me wait 2-3 days for the rewards in. XX/XX/2023 XXXX PM, I called the third time. XXXX said she can let them to put the rewards quickly after reviewing my account. Also, she gave me a suggestion not to pay full amount at due day ( XXXX XXXX ) and wait the rewards in. She said she would write a notice let me qualify for next quart. ( Dont pay the full amount is not qualify for the next quarter ). I have no idea and pay the full amount and I called the customer service the fourth time on XX/XX/2023. Also, I leave a message on XXXX BOA XXXX XXXX. They called me back and said you are noy qualify so you cant get the rewards. And She told me already mail me the letter on XXXX to let me know I am not qualifying but I never received and no find on my Mobile App ( All the letter can get on my Mobile App ). I dont know why she said I am not qualifying, and another three staffs work for BOA all said I am qualified to get the rewards after they review. If I am not qualifying why the three staffs all let me wait the rewards in? The fourth guy said that is the old program so the staff does not know. Also, I dont know why the staffs work at customer service wouldnt get the training from their company? The bank never let me know which is the qualify for cash rewards. 
I attached the quarter of the bill and I paid every Months. 
I want to get my rewards.
Consumer complaint received 2023-08-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is one of my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the account : XXXX XXXX - XXXX XXXX. Please remove.
Consumer complaint received 2023-02-10
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. (NY)

PLease take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2023-08-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-21
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: TRANSUNION INTERMEDIATE HOLDINGS, 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, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX Balance Owed : {$340.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$460.00} ; XXXX XXXX, XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2024-04-02
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. (FL)

There is so many wrong accounts in my credit report that i dont recognize as mine. i will make an attachment in the dispute letter, possesses so many mistake as account name, date, location and status I formally request that the following inaccurate items be immediately investigated.They must be removed in order to show my true credit history, as these items should not be on my report. Pursuant to the Fair Credit Reporting Act ( FCRA ) ,15 USC section 1681i, I will expect you to complete the verification within 30 ( thirty ) days.I understand that failure to investigate these accounts within a period of thirty days will result in non-verification which requires that the above accounts be immediately removed from my credit file. 
I also understand that the Fair Credit Reporting Act specifically 15 USC sections 1681i ( d ) and 1681j requires that I receive both written notification of the appropriate corrections and updated credit reports at no charge.
Consumer complaint received 2024-04-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to dispute the presence of some unauthorized hard inquiries on my credit report, as listed in the report I received from your agency. I have identified inquiries that were made without my consent or knowledge. 

XXXX XXXX XXXX XXXX XXXX XXXX, 2022 XXXX XXXX XXXX XXXX. XXXX, 2022 XXXX XXXX XXXX XXXX. XXXX, 2022 XXXX XXXX  XXXX XXXX. XXXX, 2022 XXXX XXXX XXXX. XXXX, 2022
Consumer complaint received 2023-08-21
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. (TX)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-08-21
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. (SC)

My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-05-13
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. (WI)

Trans Union is reporting inaccurate information on my credit report. Trans Union is reporting the wrong removal date, reporting XXXX for XXXX XXXX XXXX XXXX XXXX XXXX has it reported removal date XX/XX/ That is a huge difference. Furthermore, XXXX XXXX XXXX have already removed it early. I have proof, I'm just waiting for them both, to send me a letter of removal. Trans Union is violating FCRA by reporting inaccurate information on my credit report & the creditor is providing the same information to all Bureaus. I shouldn't have to wait 5 months for this account to be removed, when the wrong removal date is past the statute of limitations. This inconvenience & violation will cause me negative issues when obtaining future credit. I'm requesting Trans Union remove it by XX/XX/ or before. Thank you.
Consumer complaint received 2023-05-16
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. (MI)

This is my several endeavor 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 XXXXXXXX XXXX XXXXXXXX, MI XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX, XXXX XXXX XXXX