davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: AES/PHEAA (CA)

As you are aware, FedLoan Servicing, the plan administrator for the debt forgiveness program created in XX/XX/XXXX, may not be honoring its commitment to forgive student loan debt after 10 years of ( employer certified ) public or nonprofit employment - just as the 10 year requirement has been met by borrowers. The Department of Education has suggested that " borrowers could not rely on the program 's administrator, FedLoan Servicing to say accurately whether they qualify for debt forgiveness. '' The article goes on to say that thousands of approval letters sent by FedLoan Servicing are not binding and can be rescinded at any time. Neither FedLoan servicing nor the Department of Education is offering any explanation, according to an article in the XXXX business section dated XX/XX/XXXX. 
My concern is heightened by the Trump 's administration 's desire to abolish the CFPB, leaving borrowers without any recourse or protection. 
I am equally concerned that the Income Based Repayment ( IBR ) program will be discontinued. As an enrollee in the IBR program and an employee of a XXXX, my monthly payment was reduced from {$740.00} to {$130.00}.
Consumer complaint received 2023-05-27
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 first 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. 
XXXXXXXX XXXX XXXX Account Number : XXXX : is {$220.00} XXXX XXXX XXXX Account Number : XXXX. 
Balance : is {$1900.00} XXXX XXXX XXXX Account Number : XXXX. 
Balance : {$4400.00} XXXX XXXX BANKRUPTCY  Account Number : XXXX
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

I appreciate the effort to remove certain items from my file due to alleged erroneous reporting ; however, additional items still require removal. This complaint seeks to eliminate the remaining unauthorized hard credit inquiries from my credit reports. Upon reviewing my credit report from your bureau, dated XX/XX/XXXX, it became apparent that the unauthorized inquiries had not been addressed. Below are the unauthorized inquiries identified : -- -- -- -EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. Please proceed to remove the listed inquiries in compliance with the Fair Credit Reporting Act. Should there be any other unauthorized inquiries not specified here, kindly remove them promptly. According to Section 605B ( a ) of the Fair Credit Reporting Act, any information opened without my consent, knowledge, or authority must be removed within four business days, provided there is ( 1 ) proof of my identity, ( 2 ) a copy of an FTC report, ( 3 ) identification of such information by me, and ( 4 ) a statement from me denying any relation to the transaction. Attached is my new FTC report # XXXX.
Consumer complaint received 2023-04-09
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. (GA)

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

XXXX  XXXX XXXX Account # XXXX, XXXX XXXX XXXX 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 2023-05-27
Product: Credit reporting, credit repair services, 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. (AZ)

All of the companies listed below ran my credit without my permission or signature through Transunion. Im a victim of identity fraud. Below is the list and dates these institutions ran my credit : XXXX XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX TXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-03-26
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. (SC)

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.
Consumer complaint received 2024-03-23
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX I went into my bank to get a XXXX cashiers check for our contractor. I paid for this service, I received the cashiers check and gave to contractor. On XX/XX/XXXX my contractor called me stating there was a problem with the check and it was declined. We found out from XXXX  XXXX XXXX that the cashiers check was not endorsed by Wells Fargo. I went into the bank to cancel this check and reissued and I was told I needed to bring in original check which I no longer had, the contractor inserted it into his atm for deposit and was told he had to wait XXXX weeks for it to arrive in mail. Wells Fargo would not stop payment on this check and made me wait XXXX weeks for original check. I kept calling to escalate this problem that the bank created by not endorsing the check I paid for, and could not wait on this due to our home being boarded by plywood. They made us wait and finally at the XXXX week on XX/XX/XXXX they issued a stop payment since the contractor still had not received the check. They then called me on XX/XX/XXXX thr XXXX week of my XXXX being held up in limbo told me the asurity bond would not clear and they cant do anything besides recommend we ask the contractor to call his bank and request the original copy again. This was Wells FargoXXXX mistake, we have XXXX children and our home now has mold due to condensation and cold. I have missed work for more than XXXX visits to the bank, I have gotten babysitting and spent hours with management and on the phone trying to resolve this and receive my OWN money back. Ive had to front the contractor XXXX and still dont have my own money released to the contractor or us. The bank wont help us and they are the ones who did not endorse the check. This is unethical and we are so distressed, we want to seek legal help please
Consumer complaint received 2023-11-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A. (CA)

This is a written request that you investigate specific items that I believe to be reported in error. I am the person making this complaint & I give CFPB authority to investigate this claim. And I do not consent to an electronic communications. I request all responses be in writing through the USPS. 
The item is not correct and is causing me financial and emotional distress because of their derogative nature. The following items must be updated : MACYS/CITIBANK, N.A. XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.
Consumer complaint received 2023-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (MS)

The following companies have made reports on my credit and shared personal data that was not consented to report, share or make public on my credit report. I have not given written nor verbal consent to any company to share, collect, sell or use my personal information on a credit reporting. This is a violation of 15 U.S. Code $ 1681c-2 and 15 U. S Code 1681b
Consumer complaint received 2020-12-16
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. (FL)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-07-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (TX)

On a number of occasions I have mailed and disputed XXXX XXXXXXXX XXXX. Along with LVNV Funding LLC and all three credit bureaus of identity theft. Both companies refusing to permanently remove the account off of my credit reports. Due to COVID-19 XXXX police department are not receiving reports for non criminal activity. I was told to file a complaint with FTC which I did and there after mailed all three credit bureaus a copy. I also mailed LVNV Funding a letter today XXXX-20 the report number to my FTC report because I am not able to copy and print as today. I have not lived XXXX XXXX XXXX XXXX wi XXXX. I live in XXXX TX.
Consumer complaint received 2018-03-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NH)

I did not know I had a loan through NAVIENT until I saw my credit score drop a large amount in XX/XX/XXXX. When I finally got a hold of them to learn about my account ( and create a login so I could actually access the account ) they were going to send it to collections or I needed to start paying right away. I found out that they were sending messages to my school email that I didnt have access to after I graduated. Because of this delay, I was not able to start paying off the loan until XX/XX/XXXX, six months after my loan payments should have started. They had my cell phone number and my parents address but never attempted to call me or send anything in the mail. When I tried to fight my credit score drop with them, they responded that their information was accurate and that there was nothing that I could do ( XX/XX/XXXX ). I also did not hear about their response until about a month after the document was dated because it was sent to an inbox that I did not know existed within their website. I did not receive an email ( to the updated email I gave them ) or phone call letting me know that I had a new message waiting to be opened. The way they handle their accounts is unethical and unprofessional. I went to college to get a degree to better my career, not be blindsided by a company who wants to make as much money they can and not care about those affected.
Consumer complaint received 2024-03-04
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. (TX)

I am writing to formally address the ongoing issue concerning fraudulent items persisting in my credit file despite multiple attempts to have them removed. Despite my consistent efforts to provide evidence and documentation proving the fraudulent nature of these entries, they continue to negatively impact my creditworthiness and financial standing. 

I have made numerous attempts to dispute and remove the fraudulent items from my credit file. Each time, I have provided extensive evidence, including but not limited to affidavits, police reports, and any other relevant documentation, to support my claims. Despite these efforts, the fraudulent items persist, casting doubt on the accuracy and reliability of my credit report. 

The presence of these fraudulent items has had serious repercussions on my financial well-being. Not only have they unfairly tarnished my credit history, but they have also led to difficulties in obtaining credit, securing loans, and accessing financial services. Furthermore, the continued presence of these items has caused significant emotional distress and frustration. 

I urge your agency to take immediate action to address this matter. Specifically, I request that : The fraudulent items be thoroughly investigated and promptly removed from my credit file. 
XXXX and transparent communication be provided regarding the steps taken to address my dispute and the reasons for the continued presence of these items. 
Measures be implemented to prevent similar fraudulent items from appearing on my credit file in the future. 
I expect a prompt and satisfactory resolution to this matter within the exact timeframe of the receipt of this letter. Failure to do so will leave me with no choice but to escalate this complaint to the appropriate regulatory authorities and seek legal recourse to protect my rights as a consumer. With this, I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-04
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. (CO)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is the second time that I discovered that some of the information on my credit report was incorrect. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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
Consumer complaint received 2023-04-09
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-04-09
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. (IL)

XXXX XXXX has made derogatory marks to harm my reputation by using credit reporting bureaus to falsify documentation alleging the existence of a debt. I have never contracted with this company and disputed the alleged debt of {$660.00} ( as of today ). A dispute was filed and marked completed as of XX/XX/XXXX XXXX Pursuant to the Fair Credit Reporting Act ( FCRA ), all credit reporting agencies must validate any alleged debt submitted with the original contract containing the alleged debtor 's signature. XXXX XXXX failed to present this information to any credit reporting agency before, during, or after the dispute. TransUnion also ignored their obligation under FCRA by publishing the alleged debt without proof of an obligation. XXXX XXXX has continued to report these marks and has refused to provide any evidence that an enforceable contract exists. This reporting has hurt my reputation for several years and has unlawfully decreased my eligibility to obtain credit.
Consumer complaint received 2024-03-04
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. (AZ)

On XX/XX/2024 I disputed a Federal ruling about the use of consumer reports for the collection of an account, with all three credit buraus ( Experian, XXXX, XXXX ). I requested written confirmation of the removal, and It seems only XXXX has responded with this information as being " Updated '' and the other two have yet to respond.

Yet the derogatory mark still remains and is being shown as a closed late pay, collection, account across all three credit buraus. 

They are now in violation of this ruling and the FCRA as this reporting does not derive from a credit transaction. And is not a loan from a lending institution. 

By not following through on my dispute to delete this information from my credit report immediately based on this Federal mandate. 

See attached notice found on XXXX website stating : " Credit Reports for collection of delinquent child support, judgments, fines and liens may no longer be permitted '' The above notice was attached and sent with a legal notice to all three credit reporting buraus CEO 's informing him/her to remove this reporting and they have failed to do so.
Consumer complaint received 2023-04-09
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-03-04
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)

Greetings There are several accounts on my credit report that fell into the charge off category. However, They was letter settled but the third party companies have yet held up their end of updated the account of being settled. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX