davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-31
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: U.S. BANCORP (CO)

Apparently a fraudulent claim was made for unemployment benefits. USBank sent me a ReliaCard apparently for those funds to be loaded on. I reported the fraud to the Colorado State office, and was directed to try and contact USBank to report the fraud to them as well. For two days I have attempted to reach a representative for USBank ReliaCard, however their system continues to disconnect you if you do not put in your SSN, which I refuse due to the fraud being committed thru this company. I attempted to go thru my USBank XXXXVisa  card branch who also where unable to get thru to any representative in the ReliaCard branch. I called 3 different times on XX/XX/20, and again 4 times on XX/XX/20, before I attempted to go thru the XXXXVisa branch. I spent over two hours attempting to file the fraud claim with this company to no avail and no response.
Consumer complaint received 2020-06-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Attempting to have me acknowledge owing a debt over 7 years old and was paid off prior to 7 years. Explained to debt collector this debt was paid in full and is over 7 years old.  Debt collector said they will seize my paychecks until this debt is paid off to them. I explained i have paperwork showing full payment made and to not contact me further. They threaten to contact my employer and family members until i start paying them. This is harassment and should be illegal to try to collect debts that are not owed and past the 7 year mark.
Consumer complaint received 2017-03-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/XXXX the state of XXXX filed a tax lien against me. This lien has been reflecting on my XXXX and Transunion credit reports for the past several years. 

I am an XXXX, between XX/XX/XXXX and XX/XX/XXXX I was XXXX in XXXX. During that time I had moved to XXXX different residences due to work. I did not receive notice of delinquent taxes during my XXXX in that state. Nor did I receive notification of delinquent taxes after moving to XXXX on XXXX in XX/XX/XXXX. 

At this point I do not have tax documentation from XX/XX/XXXX through XX/XX/XXXX and will gladly pay the debt to satisfy the issue as it is unnecessarily damaging my credit. 

I never received proper notification of the debt, and am writing to kindly request the tax lien be withdrawn, and I be allowed the opportunity to pay the debt. In addition I ask that XXXX, and Transunion remove that negative information from my credit report. 

I have contacted the XXXX State Department of Assessments & Taxation in an attempt to remedy the issue however was not successful. 

Tax lien information : Case/Docket # XXXX Court : Circuit Court for XXXX County Court Address : XXXX Thank you in advance for any support you can provide.
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)

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-05
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: EQUIFAX, INC. (TN)

I sent a letter out on XX/XX/2022 to Equifax. However, its been more than 30 days and the credit bureau failed to send my investigation back. This is not making sense. 

According to the law 15 U.S. Code 1681i Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2022-11-05
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. (MN)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$6100.00} ; XXXX XXXXXXXX Balance Owed : {$2700.00} ; XXXX XXXXXXXX Balance Owed : {$5000.00} ; XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$2400.00}.
Consumer complaint received 2023-02-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc. (IL)

You have no rights to report this bankruptcy in my credit report! There are different date file/reported and even the closing dates. This is also a discharge bankruptcy which means fresh start but this is the reason why I can't get a fresh start because of you reporting this bankruptcy! This is absurd! I have the letter from the court that says they don't report this bankruptcy to you and this is from an unauthorized third party!
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2022-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (KY)

I submitted dispute and they did not fix it. There are 3 accounts that are incorrect. All three are paid by garnishment and or by insurance also they made the balance greater after my dispute and it is on a closed account.They will not allow me to dispute anymore and it leaves the accounts showing negative on my report however other credit reports did fix them but Experian and XXXX and XXXX XXXX  is blocking me to prevent me from disputing these accounts.
Consumer complaint received 2021-05-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (FL)

I checked my credit reports and noticed that XXXXXXXX XXXX XXXXXXXX, XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX are fraudulent inquiries, I never authorized.
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. (CA)

On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo XXXX regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes XXXX law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX business days after the date receipt by such agency of- ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report, ( XXXX ) the identification of such information by the consumer, and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per XXXX and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX VERSE ) XXXX Balance : {$330.00}
Consumer complaint received 2023-02-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (MI)

I was requesting a reimbursement for payments made during forbearance on my direct loans. I consolidated and made the request through XXXX, my loan were then teansfered back to mohela, which is where they originated and payments were made. On XX/XX/XXXX I called mohela and requested reimbursement, they informed me I was eligible and put the request in. I followed up half a dozen times. They kept telling me that it was sent to the dept. of treasury and I could expect my refund. I recieved forgiveness is XX/XX/XXXX so I called again to make sure that my forgiveness wasn't going to change my refund and I was informed it wouldn't. I called again this past Tuesday XX/XX/XXXX and I spoke to someone who told me that for some reason there was a stop on my request. She said that she could see I was eligible to have XXXX payments refunded and she called a supervisor. She concluded the conversation by stating that she was going to send the refund back through with priority after having the supervisor approve it. She told me to call back in XXXX week. I called back on XX/XX/XXXX and the person I spoke to said that I wasn't eligible for refund because my payments were made before consolidation. I have been getting different stories and no answers for a long time. It was made clear to me many times that I would receive a refund. My loans were direct loans at the time payment was made and it was made to mohela.
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX  days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since it has been over XXXX days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-05-20
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. (MA)

In accordance with the Fair Credit Report Act XXXX, Account : XXXX, COLECTION, 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 an account without my written instructions. 
This is a fraudulent account ; I do not open any account with this company.
Consumer complaint received 2017-02-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: EdFinancial Services (WA)

The principle on the student loan is never reduced even though I make a larger than scheduled payment amount. I have called and asked, they said that this was just deferring my current statement due date. What I want is to pay my loan principle. This should be illegal, as they are charging me interest on the full loan amount, and not the decreasing balance which should be reflected in my additional payments. As of my last statement it says that the current statement due date is XX/XX/2017.
Consumer complaint received 2021-09-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ResidentCollect, Inc. (TX)

I have been disputing this account for some time now with INNOVATIVE RECOVERY. I sent an initial dispute letter asking for verification of this account because I am not familiar with this account and they have not responded. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. My letter was delivered on XX/XX/XXXX, and here is the tracking number XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2023-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Texas, XXXX ( XXXX ) XXXX XX/XX/2023 Dear TransUnion LLC, I, XXXX XXXX, have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. The amount ( XXXX ) owed are no longer outstanding for the following items : Party Owed : XXXX XXXX XXXX XXXX Amount owed : {$1400.00} Account Number : XXXX I am disputing this claim due to : I HAVE NO KNOWLEDE OF THIS ACCOUNT. IT IS FRAUDULENT AND I AM REQUESTING THAT IT BE REMOVED IMMEDIATELY This is my official request to have the aforementioned item to be deleted off my credit report. Enclosed may be additional evidence to support my claim.
Consumer complaint received 2024-03-26
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I urge you to promptly remove this late payment from my account, as it does not accurately reflect my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Please update my account promptly.
Consumer complaint received 2017-02-11
Product: Consumer Loan — Title loan
Issue: Payment to acct not credited — 
Company: WHEELS FINANCIAL GROUP, LLC. (CA)

Attached is email communication from XXXX XXXX LoanMart rep ( XXXX XXXX ) threatening me with a repossession order for a payment that was mailed XXXX/XXXX/17. 

First, and foremost I 'm not fresh off a XXXX, am still a customer, and a LEGAL tax paying law abiding citizen who happens to also be a consumer. I will/am NOT going to be communicated with in a threatening demeaning degrading manor by ANY institution, or XXXX representative who is, or has probable ties as a friend, or family member to illegal immigrants in this country, over a {$260.00} monthly loan payment being sent in later than the payment date!!!
Consumer complaint received 2024-03-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the XXXX XXXX XXXX ( XXXX ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced
Consumer complaint received 2024-03-26
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. (CA)

XXXX and TransUnion are reporting a fraudulent account on my credit file, which does not belong to me. There is a XXXX XXXX credit card account appearing on my credit report, despite the fact that XXXX XXXX and I have requested it to be removed. However, it has not been removed yet.
Consumer complaint received 2023-05-20
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. (MD)

XXXX Bank XXXX is incorrectly reporting on my credit report. 
The account reported close and then open and then late. This account should not be reporting on my credit report XXXX credit has also been removed and Transunion put it back on my account illegally. 

Transunion also never removed XXXX XXXX XXXX XXXX XXXX XXXX are reporting XXXX auto loans and a ftc report has been filed and shown. 
15 U.S. C 1681c. ( a ) ( 5 ) 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 XXXX years 15 U.S. C 1681s-2 9A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate 15. U.S. C 1681 C Section 605 B 15 U.S C 1681 e ( b ) I have contacted my lawyer and the next step is to sue and demand monetary relief due to them breaking these very laws
Consumer complaint received 2024-03-27
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

Email ads keep showing up multiple times daily from Capitol One even after I opted out from their mailing list months ago. I've tried multiple times but the best they've done is apologize and tell me they will take me off their list in a few weeks. That was more than a few weeks ago. Fact is it seems their ads seem to have increased since my opt out request. 
Please copy me your correspondence with them for use in possible future litigation.
Consumer complaint received 2023-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I closed my XXXX XXXX XXXX XXXX on or about XX/XX/XXXX however my account is not completely accurate under the Metro 2 and FCRA mandatory requirements as the account data fields do not report my account as CLOSED BY CONSUMER with the required DATE CLOSED which is XX/XX/XXXX. To wit, my Experian credit report of XX/XX/XXXX continues to inaccurately report my account as OPEN. XXXX XXXX and every CRA are NOT Metro 2 Compliant as the CLOSED account status with the date closed was required to be submitted electronically promptly upon closure to every CRA, not piecemeal or never, so that the inconsistency and prohibited Facially False Data was required to be caught by every CRA to assure maximum possible accuracy. Inadequate Internal controls at every CRA and XXXX constitute a violation of the FCRA as set forth in the XX/XX/XXXX advisory of the Director of the CFPB. Delete my account permanently.