davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-06
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. (TN)

On XX/XX/2023 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. I feel like Im being taken advantage of and being ignored of my disputes and concerns. Section 611 ( A ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted 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 gotten into the hands of the wrong person.
Consumer complaint received 2023-01-09
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CITIBANK, N.A. (CA)

Back in, I'm guessing around XXXX and XX/XX/2022, a man showed up at my doorstep to serve me with court documents for an upcoming XXXX XXXX These court documents had a broad list of what I was being sued for. It stated Citi card NA. Prior to this I had paid off 3 Citi card debts. I was unsure which debt this was for. The amount sued for did not match any one card I was in debt to. The second serving of these court documents had a court date listed at which I never made it to court. Time goes by and sometime in XX/XX/2022, I received a document that stated a lien was put against me. The paperwork attached again held very little information. It has a dollar amount I am unfamiliar with, stated it is not a court order etc. Not to mention I never received paperwork for the outcome of supposed court hearing. The holidays have passed so I started to look into this matter. I first figured out which card the amount belonged to, I think. I believe it may be a total to two cards. It was Home Depot by Citi. I can not locate this debt in my credit report either and believe the amount to be inaccurate. Anyway, I found this out by calling Citi card and asking about my accounts. I had paid off 3 and the fourth for under {$2000.00} was sent off to this law office. Just so happened to be the law office sending me this paperwork ... .fraudulent paperwork. I called their office and left a message early last week. In the meantime I contacted my XXXX XXXX XXXX recorder, who supposedly helped with this lien. Well, just so happened no such lien exists... so now I have fake court documents dated from XXXX ( more than ample time to show up in the system ), threatening to sue me over an amount that is not accurate with minimum info on the actual creditor involved. I do believe this all goes against the Fair Debt Collection Practices.. I don't know what to do. I was signed up with a debt consolidation firm for a year. Due to some unforseen events, I did not get the opportunity to complete the process, but did pay off quite a few debts. Since then I have slowly been touching base with the remaining debt owed and setting up payments. I don't even know if this amount is accurate and personally do not want to work with this firm due to their fraudulent scare tactics. Listed below is the company in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (FL)

I submitted XXXX payments to the company separate transaction on the same date to cover my full balance. It went from pending to being processed and received XXXX confirmation numbers via email. XXXX and XXXX now it finished processing however I am not seeing the payment history on the account. The funds were taken and processed from my account and It's impossible to reach and get a response from this company. I made full payment to cover my balance at that but only XXXX payment has been showing and even then it doesn't appear on the history to show when I did it. It's just deducted from my balance. XXXX huge lump sum payment is missing
Consumer complaint received 2023-05-16
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. (TN)

Below is credit hard inquiries on my credit report that I do not recognize without my consent : Please have removed as soon as possible for Transunion from Credit report. 

XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX XXXX Bank XXXX XX/XX/XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX
Consumer complaint received 2024-03-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (SC)

On my XXXX report there is an collection on my account for the amount of {$620.00} to CCS Collections. I have no knowledge of this account nor have I any business. Debt collectors are required to have accurate info, and after numerous attempts to resolve this issue, I have yet to seen documents where I opened a contract with CCS Collections. I have done numerous disputes with XXXX and have not gotten any satisfaction. This is illegal for a debt collector to buy someone's debt without written consent and tries to collect on a debt.
Consumer complaint received 2023-06-21
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. (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. 

These accounts shown : XXXX XXXX XXXX : # XXXX, XXXX  : # XXXX, XXXX  XXXX : # XXXX, XXXX  : # XXXX. However, how is this possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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. 

Also they aren't even in compliance with metro 2 credit reporting.
Consumer complaint received 2024-03-28
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America did not disclose to me that they were using my numerical identifiers via several accounts I had with them to create marketable securities and derivatives there from which they profited and I received nothing. I did not have any contract with Bank of America that states I agreed to the securitization and profit of my accounts and other numerical identifiers. Bank of America issued Class A notes under a Trust Indenture with the XXXX XXXX XXXX XXXX XXXXXXXX as Indenture Trustee. The utilization of my credit was ongoing from XXXX on several deposit accounts and from XXXX on a master card account.
Consumer complaint received 2023-01-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

XXXX XXXX XXXX XXXX notified me in XX/XX/2022 that Bank of America credit card was opened under my name. I checked XXXX and XXXX XXXX and verified that card was opened under my name even though balance was showing {$0.00} dollars with a credit limit {$15000.00}. I have a perfect credit history and score of XXXX. I have called and notified Bank of America right away to close the account ( fraud department ). XXXX on the phone ( XXXX XXXX stated that he was closing the account right away. It's outrageous they let someone open an account under my name without checking even though i have credit freeze in all credit reporting agencies. Its Bank of Americas negligence might affect my credit rating. They have never notified and or sent a letter to me in regard to cc opening. It appears to me that this gross negligence on behalf of Bank of America should be investigated to see how many other consumers might be affected. They have failed their due diligence steps verifying consumer account opening procedures and liable for any damages i might incur due to their incompetence. Besides closing that account, they should apologize to the consumer in writing who is affected and remove any trace of this cc opening along with offering free credit monitoring. Shame on this kind if shady practices routinely tolerated by Federal Government ( they need to be investigated and receive civil fines for violating my civil rights.
Consumer complaint received 2024-03-28
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc. (MI)

Back in XX/XX/XXXX I consolidated my student loans with XXXX and the Department of Education and I requested loan forgiveness. My student loans are over 30-years old and I am eligible for loan forgiveness. I was in the Income based repayment program / income driven repayment forgiveness program and based on XXXX and the number of deferments totaling over XXXX, which count as payments I was informed by the representative with the Dept. of Education that I was indeed eligible for loan forgiveness. Shortly thereafter, I contacted XXXX and was informed that my loans were paid on XX/XX/XXXX and finalized on XX/XX/XXXX and my account reflected a XXXX balance. Following the consolidation, my loans were transferred to 'Aid-Vantage ', and I remained in contact with Aid-Vantage by telephone speaking to multiple reps. including XXXX XXXX, and a supervisor by the name of XXXX XXXX. I was informed my loans were in the next batch and should be forgiven by XX/XX/XXXX. However, I was later told to complete additional paperwork to apply for loan forgiveness. Perplexed by this new information, I did as instructed. Afterwards, I contacted the Dept. of Education and was told by the rep. " something is wrong, you need to request an investigation. '' Two months later, I attempted to purchase a vehicle and was denied. My credit report showed that I owed over {$1.00} XXXX dollars in student loans. XXXX was no longer a XXXX balance, it showed I owed over XXXX XXXX dollars, and the Dept. of Education showed I owed over XXXX Million dollars. This information is grossly incorrect and damaging to my credit and to my person. 
I am requesting an immediate investigation and I pray this does not happen to another person. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-06-21
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. (NY)

I have never made transaction to these companies nor applied for credit. They are fraudulently reporting on my credit report. I filed FTC report with report number XXXX and now requesting CFPB to investigate as well.
Consumer complaint received 2023-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Credit Karma (SC)

Was falsely informed by Credit Karma of excellent chances of being approved for various credit cards. This has caused numerous credit inquiries on my credit reports and a large decrease in my credit scores.
Consumer complaint received 2024-03-28
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: JPMORGAN CHASE & CO. (CA)

I want these inquiries to be deleted because I did not offer these companies to run my credit this is fraudulent. I have attached a report that contains the name of the companies that were not authorized to run my credit.
Consumer complaint received 2023-01-09
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

I had reward dollars I used towards my balance as I always have. I also mailed in a payment that took my balance to {$0.00} on XX/XX/22. I then received an email stating my account was overdue. I called and received a credit for overdue amount but they stated I still owed a balance. They want me to pay a {$19.00} fee to take care of this and set me back to a {$0.00} balance. I don't owe them any more money and will not pay the fee. 
I am unable to give you the full account number as I don't have the card. They were supposed to send me a new one, but did not. Capital One told me to destroy the old card as it had been compromised, so I did as instructed.
Consumer complaint received 2023-07-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

It is highly unjustifiable to have late payments displayed on my account when I have consistently made timely payments. I insist that this error be corrected without delay.
Consumer complaint received 2023-06-07
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 XXXX XXXX am submitting this complaint on behalf of myself with no help from anyone. 
I am a natural person, and consumer seeking assistance from the CFPB in regards to a matter I am having difficulty resolving with Transunion, consumer reporting agency. 

TRANSUNION is committing identity theft against me ; I have informed TRANSUNION that they are incorrectly spelling my name. My name is XXXX XXXX, yet my report states XXXX XXXX, a name I have never went by. I have mailed in my license a numerous amount of times, yet TRANSUNION claims theyve never received any mail by me. I have attached a copy of my license along with this complaint. 
Second issue I am having is Identity theft with companies, I have filed two FTC reports, as well as a police report, which TRANSUNION is again stating theyve never received. Ive disputed these accounts below as Fraudulent, identity theft, but yet again TRANSUNION is not honoring their duty to me as the consumer and conducting a proper investigation. I find is funny how XXXX, and XXXX have followed the laws, and removed these accounts but TRANSUNION somehow can verify, or cant block or update MY PERSONAL INFORMATION, as if they personally know me. 
Let me remind you TRANSUNION, youre in possession of my consumer report, it is your obligation and duty, to make sure the information youre reporting to my consumer report is completely accurate! 
FTC report number # XXXX, the following accounts are included in my FTC report, let me again remind you that according to the FCRA you have a duty to block these accounts from my consumer report within 4 business days of receiving my dispute. I have attached a copy of my credit report to show what accounts are fraudulent. 

XXXX XXXX Account XXXX XXXX {$2500.00} XXXX. XXXX XXXX XXXX Account # XXXX XXXX. XXXX Account # XXXX XXXX Account # XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXXI- Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX-Account XXXX XXXX {$20000.00}
Consumer complaint received 2017-07-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: U.S. BANCORP (NV)

Purchased prepaid visa. Bad magnetic stripe. Unusable. Company refused to freeze card and funds were stolen before company reacted. Now, 80 days later, USBank still says " wait ''.
Consumer complaint received 2023-05-09
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: EQUIFAX, INC. (NC)

I hope you can help! I reached out to the credit bureaus on XX/XX/2023 and haven't received a response! Information is still incorrect and violates my rights! My understanding Section 611 ( a ) of the FCRA requires a CRA to conduct a reasonable reinvestigation of any item of information in a consumer 's file if the consumer alleges the item to be inaccurate. I will list the accounts below. 

XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please investigate and delete from my credit report. 

XXXX. Validate Account XXXX XXXX  Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. Validate Account XXXX Account XXXX : XXXX XXXX. Validate Account Please investigate and delete from my credit report. 
XXXX XXXX Account XXXX : XXXX
Consumer complaint received 2023-01-24
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. (LA)

I recently wrote to XXXX XXXX, via certified mail, requesting the deletion of the following account : Account Number : XXXX. [ There were XXXX different addresses reporting, so I mailed, and uploaded the same document with both addresses ]. I would like for you to have a copy of this document as well. ( See attached ). I would also like to initiate a dispute with you in efforts to finally remedy this situation once and for all. XXXX Loan continues to falsely verify this account whenever I dispute this item with the XXXX XXXX XXXX, -as well as yourself, the Consumer Finance Protection Bureau XXXX -whom is a government entity. XXXX XXXX, has stated to all parties. -the Credit XXXX XXXX XXXX The Consumer XXXX XXXX XXXX XXXX and myself, on multiple occasions, that the information in which they are reporting is verified as accurate. However, this is not true! Anyone with eyes can see that the information which they are furnishing is blatantly inaccurate, inconsistent, and or incomplete due to the unavailable data ''. According to federal law, my credit report to be 100 % accurate and truthful, -which is sadly not the case. XXXX XXXX has been furnishing this inaccurate information to the CRA 's for quite some time, and I have spent my hard-earned money, as well as countless hours of my precious time combating this issue. I have no idea how they continue to get away with this! I have recently informed you of this matter, as well as informed you of the XXXX. Codes which I believe that XXXX XXXX violated, -yet somehow, you still allowed them to report that the information was verified, which causes this item to wrongfully remain on my credit report. Now, it should be rightfully removed! At this point, I pose the question ; XXXX XXXX XXXX above the law? Why are you not ensuring that this company is following federal guidelines, regulations, and or codes pertaining to credit reporting, fairness, accuracy, privacy, etc. This matter is now beyond whether or not the account is verified or not ; it has become a compliance issue ; which XXXX XXXX is seemingly willfully noncomplying. Furthermore, XXXX XXXX continues to cause harm to me. This matter has taken a significant toll on my health and livelihood, meaning that they have caused me both my physical and mental distress. I have mentioned this in the letter that I have written to them. Please see the attached document. I have enclosed the pdf version of my letter to XXXX XXXX, as well as my credit reports, which display the obvious inaccuracies and inconsistencies this company is reporting, XXXX has been like this for a long time, yet, XXXX XXXX continues to falsely verify as accurate. This has to stop at once!
Consumer complaint received 2023-05-09
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: EQUIFAX, INC. (TN)

FRAUDULENT ACCOUNTS HAVE BEEN ATTRIBUTED TO MY FILE THAT ARE NOT MINE NEITHER HAVE I RECEIVED GOODS OR SERVICES FROM THESE FRAUDULENT ACCOUNTS AND INQUIRIES
Consumer complaint received 2023-01-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (VA)

XXXX by LoanCare : XXXX. I submitted my mortgage payment on XXXX in the amount of {$2700.00} XXXX. Payment was reversed on XXXX for what was originally labeled incorrect information but then changed to NSF. 
XXXX. We did not receive written or electronic notifications that the payment was reversed. 
XXXX. On XXXX I received a notification that my XXXX XXXX had changed so I did some investigating into why, which was based on a missed mortgage payment. 
XXXX. I logged into the account to pay XXXX mortgage and the reversed XXXX payment. 
XXXX. I then reached out to the customer service at LoanCare to file a dispute and to ask for help reversing the decision based on my evidence. 
XXXX. All help was denied ( hastily ). 
XXXX. All payments are up to date.
Consumer complaint received 2023-08-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: EdFinancial Services (MA)

I have 5 Parents Plus loans serviced by EdFinancial. 
I am trying to arrange priority of payments according to interest rates, but the EdFinancial website does not provide that information. Additionally the EdFinancial website does not provide the formula and/or calculations for my monthly payments. Given the widespread reports of student loan servicing companies miscalculating monthly payments, I want to verify that their calculation is correct. 
EdFinancial does not respond to my email inquiries.

The EdFinancial chat feature does not work. 
The telephone number either cuts the call after an outgoing message saying there is too much volume or has hold times in excess of 2 hours. 
EdFinancial is refusing to provide necessary information regarding my loans. This predatory practice is unacceptable.