davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-13
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. (CA)

I am not convinced that you have suitably fulfilled the policies of the Fair Credit Reporting Act in doing your evaluation. I have to pursue my efforts to resolve this matter which required intent to my personal credit report. I am frustrated because the inaccurate item is still reported on my personal credit report which is not clearly stated the accuracy and verification of the information. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. Please remove the inaccurate information from this account : XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :
Consumer complaint received 2024-01-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (DC)

On XX/XX/XXXX, I applied for the SAVE student loan repayment plan. 

On XX/XX/XXXX, I received a notification that I was approved for the SAVE plan, and repayment would begin in XX/XX/XXXX. My loans are currently in forbearance and I have contacted MOHELA at least twice to request they remove the forbearance so I can pay immediately. Because of the amount of loans I have, the interest that accumulates daily is significant. 

Since XX/XX/XXXX, MOHELA has failed to remove my loans from forbearance or allowed me to begin to repay my student loans.
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

XX/XX/XXXX XXXX XXXX shut my account down, and thousands of other customers down. Their customer service has been unreachable ever since. I've sent over 20 emails, and have called their phone number over 10 times and all that I get is an automated response to email them. When " XXXX XXXX '' calls you, they immediately hang up. It's being powered by robots and there are no human customer service representatives. My XXXX, and Equifax credit reports are now damaged, when this should not be the case at all. 

My bank even refunded me the funds they took out of my account, because even they deemed that this was completely unethical and they were not able to get in contact with the company. I've also filed a dispute with helpwithmybank.gov. 

The account still shows as " open '' when it's closed. They also have inaccurately have reported me as late.I 've been begging and pleading with them to get in contact with a human representative but that isn't possible. I'm not quite sure if this will require legal action for this issue to get resolved, but I want this company removed off of all of my credit reports.
Consumer complaint received 2023-06-12
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: Experian Information Solutions Inc. (TX)

There is an incorrect report in my account from XXXX XXXX XXXX XXXX 
I have never used XXXX XXXX in my home and I have never stayed in the addressed.
Consumer complaint received 2024-01-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA ()

On XX/XX/XXXX I received an email stating that my loans were in administrative forbearance from XX/XX/XXXX to XX/XX/XXXX with no payment due and that my payments would resume in XXXX XXXXThe website showed that payments were due so I made payments from XXXX to XXXX. The website did show a XXXX amount due for XXXX but without an explanation. I made the payment in case the XXXX was a mistake and assumed that if it werent a payment wouldnt be required in XXXX. I later learned that sincw I paid more than 25 days before the billing statement none of these payments counts as paying towards my next due dates. So I made 3 payments when I didnt need to. Im on maternity leave currently so making extra payments is not something I would have chosen to do. Its ridiculous that I was only informed of the forbearance once it ended.
Consumer complaint received 2023-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-09-29
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: Experian Information Solutions Inc. (VA)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-11
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. (TN)

XXXX data breach my information was leaked and there is some inaccuracies on my credit report which has never been resolved and has caused stress on my credit score and is causing financial strain on getting a job that required a background check
Consumer complaint received 2022-12-13
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. (CT)

Transunion is illegally reporting information on my credit file without my consent. Their internal policies and practice are illegal and doesnt reflect the law. Their internal policies are not laws. I have sent in several disputes but they are still reporting late activity to this illegal account from XXXX XXXX XXXX in my credit profile while the illegal account is in dispute. I thought while an account is in dispute all reporting activities ceases. I sent in a cease and desist request and nothing came out of it. All other credit reporting agencies removed it except them ( XXXX, XXXX ). They show proof where they removed it in XXXX by the attachment provided but online it was never removed it is still being reported.
Consumer complaint received 2022-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

It appears that 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 the XXXX Credit Bureaus 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 remove these files. XXXX XXXX XXXX XXXX Balance : {$23000.00} ; XXXX XXXX XXXX XXXX Balance : {$12000.00} ; XXXX. XXXX, XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$780.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX ; XXXX XX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2024-01-02
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: OPTUM BANK, INC. (MD)

The OptumBank.com claims processing web site is chronically and severely malfunctioning. Before I describe the problems, I will mention that I am a long time XXXX  XXXX  XXXX. For 25 years I XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and prior to that I was a XXXX XXXX at other major, internationally respected companies. 

Here are two current problems with the Optum Bank claims processing system : 1 ) I submitted three claims dated XX/XX/XXXX that should be automatically reimbursed monthly. I specified automatic monthly reimbursement because these are reoccurring expenses. However, the " Pay Me '' button is appearing next to the claims which indicates that I will have to manually request reimbursement each month. The Pay Me button should not be appearing and I should not have to manually request reimbursement each month. 

The automatic monthly reimbursement of reoccurring expenses worked fine in XXXX. 

2 ) The secure email function on the Optum Bank website is unreliable. Users frequently encounter issues, such as the function " timing out '' after clicking the submit button. This not only indicates problems with the website itself but also poses a challenge when attempting to report these issues. Although Optum Bank provides a phone number for assistance, the majority of their representatives are located in foreign countries. Phone connections to these representatives are often noisy, jittery, and unstable, leading to frequent disconnections. Furthermore, the foreign-based representatives often struggle to understand US English, making it difficult to resolve problems over the phone.
Consumer complaint received 2024-01-02
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

I, XXXX XXXX XXXX Trustee of the XXXX XXXX XXXX XXXX is giving USAA a warning an intent to sue in federal jurisdiction to the fullest extent. I have offered arbitration and USAA has chosen acquiescence therefore as a flesh and blood living soul I am now invoking my rights and ready to come forth with the fraud and deceit USAA has committed. I will give XXXX hrs before I contact the process server XXXX XXXX ( XXXX XXXX XXXX
Consumer complaint received 2023-11-11
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (CA)

Commencing on or about XX/XX/2023, I fell victim to several multi-layered scam operations run by a sophisticated group of thieves using the XXXX app which involved me making deposits for a total amount of XXXX USD from my Coinbase account to fraudulent investment firm ( XXXX ).
Consumer complaint received 2022-12-02
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have been contacting this company for a while now, trying to let them know about the situation I have been in. the previous letter was sent on XX/XX/2022. I have accounts on my report that I don't recognize but they still haven'tt removed the items that are why this time I am seeking help from the CFPB as my first step in taking this matter seriously.
Consumer complaint received 2022-12-13
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. (NV)

It appears that 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 XXXX for research, I found that under section 605b of the FCRA the 3 Credit Bureaus 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 remove these files. XXXX XXXX XXXX XXXX Balance : {$23000.00} ; XXXX XXXX XXXX XXXX Balance : {$12000.00} ; XXXX. XXXX, XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$780.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX ; XXXX XX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I applied for credit with XXXX XXXX XXXX in XXXX  and was denied because Transunion had a credit freeze on my report. I never placed a freeze on my report. I called Transunion and after a long time on the phone they disconnected me. I went on line to their process for removing a credit freeze and after filling in all the required information it said " unable to verify identity '' and I could not gain access to remove the freeze. I called the phone number listed for website problems and was assigned a user ID XXXX and told to email Transunion with various documents which I did. The first response was they had trouble opening the documents- likely because they were encrypted. The documents were resent in PDF format and there was no response. I asked several times if they were able to open them. After a while I received a Secure Message from Transunion that said I could remove the credit freeze on line. However, the whole point was I could not gain access to do so. Somehow Transunion sent my credit report and it says " Suppressed ''. My XXXX  who is an XXXX  wrote to Transunion 's general counsel and he never responded. I have attached the identification documents Transunion asked for originally as well as a copy of my credit report that shows it as being suppressed. I am still unable to access Transunion online. and it has refused to respond to two prior CFPB complaints filed on my behalf.
Consumer complaint received 2023-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX Balance : {$810000.00} ; XXXX XXXX  XXXX XXXX Balance : {$6900.00} ; XXXX XXXX XXXX : {$19.00} ; XXXX XXXX XXXX XXXX Balance : {$77000.00} ; XXXX XXXX Balance : {$21000.00} ; XXXX XXXX XXXX Balance : {$1800.00}.
Consumer complaint received 2022-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

I submitted a letter to the 3 Credit Bureaus to correct this suspicious information. I think you have not validated these items 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. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-29
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: United Accounts, Inc. (ND)

XX/XX/XXXX a sheriff came to my work and served me papers dated from XX/XX/XXXX claiming I have debt owed for XXXX XXXX XXXX XXXX A North Dakota Corporation , in the sum amount of {$1200.00} plus interest from XX/XX/XXXX at the rate of XXXX XXXX per annum in the amount of {$140.00} making the total sum amount of {$1400.00}. 
I have not received any notice prior via email, mail or phone. Im clueless to what this debt they are trying to collect is from as I do not recall having any debt. It just showed up on my XXXXredit score report. 
Not only never having any notice prior to this the papers I was served with doesnt list a court date , county or where to go to figure this out. It however does list an attorneys name, email, address, and phone number. I have called and emailed said attorney and have not heard anything back so I dont know where to go to figure this out. Its affecting my credit score and with them having a sheriff serve me with papers at my work it has made unnecessary rumors go around even though I didnt do anything wrong. 
It also says I have 21 days to respond and if failed to do so, judgement by default will be taken against me for the relief demanded in the complaint.
Consumer complaint received 2023-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non complying with the FCRA.

Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please update the account, or inaccurate information, from my file immediately & send me the results to the address. 
XXXX XXXX XXXX