davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, I am mailing out this information with my wet signature. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed
Consumer complaint received 2021-01-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kimball, Tirey & St. John LLP (CA)

I am writing to you about the following Kimball Tirey & St John LLP account # XXXX original creditor XXXX XXXX XXXX  XXXX XXXX opened on XXXX XXXX with a balance of {$2700.00}. It was paid and reported by XXXX XXXX and the account with the original creditor was closed on XXXX XXXX with a remaining balance of {$0.00}. The account attach to Kimball Tirey & St John LLP # XXXX is wrongfully reported on my credit and is negatively effecting my credit score because of its inaccuracy. Im requesting under the CFPBs supervision that this account be removed off all my credit reports. 

Thank You
Consumer complaint received 2022-04-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (NH)

It has been 90 days since my submission of my PSLF paperwork, as I qualify under the current PSLF waiver. I submitted my form on XX/XX/XXXX, to FedLoan Servicing via their online portal and was informed it could take 30 to 90 days to process the request. I called them on day 90 to be told they are very busy and processing a lot of forms and I need to be patient. I have already been patient for 90 days. Plus I have been patient for over 10 years back when XXXX incorrectly told me I didn't qualify for the PSLF program.

I do not understand why this process, a majority that should be able to be processed with technology, takes so long to process. It seems that these private companies which the government entrusted to process are loans are continuing to hold those of us qualified for public service loan forgiveness hostage.

The federal government and these private companies should be able to process these requests well within 90 days. We sent people to the moon in XXXX with technology, no more powerful than a calculator. Explain to me why it takes more than 90 days to confirm I have made XXXX payments?
Consumer complaint received 2021-01-13
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. (FL)

the accounts listed are fraudulent someone use my social security number and photo id to open these fraudulent accounts in my name i have made criminal complaints with local and federal agencies I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRAs. On XX/XX/2020I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2023-03-08
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. (CA)

This is my follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX .... Balance : - XXXX XXXXXXXX .... Balance : - XXXX XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX XXXX XXXX Balance : {$54.00} XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021
Consumer complaint received 2022-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

To whom it may concern : All collection accounts You're reporting this collection as a " OPEN ACCOUNT '' which isn't under FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed. 

The agency cant prove I owe them the debt Ive asked for original documentation stating I contracted with them Have asked for it to be removed from credit because one or more is a Hippa violation Sincerely, XXXX XXXX
Consumer complaint received 2023-05-31
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. (CO)

On XXXX I sent a letter regarding inaccurate and frivolous things on my credit report. Till this day over 130 days later I still have not received a response. I feel like I'm being taken advantage of and being ignored on my disputes. Section 611 ( a ), it is clearly 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 130 days so they should be deleted promptly. 

in Accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 US CODE 1681e ( b ) and 15 US Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurately. 

This has caused me significant damage to my credit score and has blocked me from being able to pursue business credit and being able to provide a better life for my family. I am in severe distress and i need the credit bureaus to respond to my request with a reasonable investigation and to remove these unverifiable and highly questionable accounts off my consumer report. 

As a consumer we should be protected from companies falsifying information on our report.
Consumer complaint received 2023-05-31
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. (PA)

The following inquiries were not authorized by me. These fraudulent inquiries need to be removed as soon as possible. As a victim of my information being compromised in the XXXX XXXX, Transunion breach, XXXX XXXX and the XXXX market, I need these to be removed
Consumer complaint received 2023-05-31
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 wish to have the following inquires removed from all three credit bureas as I am a victim of identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NV)

This account XXXX  XXXX XXXX XXXX being reported only by Experian is NOT mine. Please provide Verifiable Proof ( an original Consumer Contract with my Signature on it )
Consumer complaint received 2023-06-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (LA)

I am in receipt of Portfolio Recovery Solutions letter informing me that they are handling the collection of the account # XXXX for {$400.00}. However, after reviewing my records, I am unable to find any documentation of any contractual relationship between Portfolio Recovery Solutions & myself, legally listing you/your company as a person/company entitled to enforce a commercial claim against me. I mailed & faxed a letter on XX/XX/2023 demanding verification and validation. This was a demand for proof of contract to substantiate Portfolio Recovery Solutions claim. I legally demanded you/your company to provide me with a certified copy of an original contract, BEARING MY WET SIGNATURE, specifically naming the above company as a person entitled to enforce a commercial claim against me. My legally demanded requested information was ignored ( although given 30 + days per the FCRPA ) and Portfolio Recovery Solutions continues to report this fraudulent and unverifiable item on my XXXX, XXXX and XXXX reports. Portfolio Recovery Solutions has yet to provide a underlying credit agreement, no proof of ownership and provided no legal basis to report " late payments '' or any information to consumer reporting agencies. As a ramification due to this fraudulent account, I was discriminated against & denied my right to be extended credit. Nevertheless, I have suffered emotional and mental stress because of this false and negative credit bureau reporting.
Consumer complaint received 2023-06-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (FL)

I did not receive three items from XXXX but the bank refuses to credit me with the three purchases I paid for the items totalling XXXX approximately made by ordering on XXXX. 
XXXX is not willing to reimburse me with the products I did not receive, three packages of XXXX.
Consumer complaint received 2023-06-22
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

Portfolio Recovery has been calling me multiple times a day for months straight now. They also contact me from several different numbers. They have called me at all hours of the day and night, as early as XXXX XXXX  and as late as XXXX.
Consumer complaint received 2022-04-20
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. (CA)

In accordance with the Fair Credit act XXXX Account # XXXX, XXXX XXXX , has violated my rights 15 U.S.C Section 602 A. States I have the right to privacy 15 U.S.C Section 604 A. It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-04-20
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: Experian Information Solutions Inc. (TX)

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 status Closed XXXX XXXX XXXX - ACCOUNT XXXX XXXX XXXX XXXX - Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  EXPERIAN XXXX XXXX Credit Bureaus XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX non specific XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY (PA)

I wrote a check for {$170.00}. to my accountant on XX/XX/XXXX and deposited the check in a local mailbox. About 1 month later, my accountant asked about the payment, and I checked my records and found that the check had been altered and paid in the amount of {$9800.00}. to XXXX XXXX XXXX through TD Bank in XXXX, NJ. I contacted my bank, XXXX XXXX, and let them know of the fraudulent payment. 

I completed an Affidavit for Altered Check or Payee on XX/XX/XXXX, and my bank demanded reibursement from TD Bank on that same day. On XX/XX/XXXX, TD Bank responded to XXXX XXXX, asserting that my signature was forged and thus XXXX was responsible for the loss. Numerous times since then XXXX XXXX has attempted to correct TD Bank 's reasoning, because the payee and amounts were forged, not my signature, but TD Bank has not responded in any way to these requests. 

I mailed a letter to TD Bank XXXX XXXX on XX/XX/XXXX, trying to correct the record about what they alleged to be my forged signature, and have not heard from them. My husband and I attempted to call TD Bank Fraud Operations on XX/XX/XXXX, and were unable to reach anyone who would talk to us about this case, and the people we did reach appeared to be unable to even pull up the case file, and they moreover refused to transfer us to the Fraud Operations staff. Apparently this group only communicates by email, and as noted above they have refused to respond to XXXXXXXX XXXX XXXX inquiries for the better part of a year. 

Letters documenting the above will be attached below. 

The TD Bank case # is XXXX Acct XXXX
Consumer complaint received 2022-04-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (CA)

My name is XXXX XXXX, I had checking account with the Citibank for over 20 years my account number was XXXX, and this account was closed due to some suspicions that Citibank had and I was recently told {$3000.00} deposit on XX/XX/2021 is the reason, this deposit came from XXXX XXXXXXXX XXXX credit card which was under my mother 's name her name is XXXX XXXX, I am authorized user on that account as well, and hold same credit card with same number. 
Now Citibank had closed my account and never sent me any documentation explaining the reason for account closer or allowed any solution for me to get the remaining balance back. I was refunded {$4100.00} by official check and {$3000.00} was never refunded to me. my account balance was {$7100.00} wen account was closed. 
I've been calling Citibank for past 4 months I had made over XXXX phone calls and I am not getting anywhere, no help was offered most of my phone calls are being terminated by simply saying they don't have any more further information to give it to me. 
I do have all the supporting documents to clarify any misunderstanding Citibank had, I like to request to CFPB team to please take action this fund has been held up with Citibank for over 4 months now, please help me get my $ XXXX.Back If you have any questions or need more information, explanation or supporting documents please do not hesitate to contact me I can be reached at. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-09
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. (CA)

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the account : XXXX XXXX XXXX  ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Consumer complaint received 2023-06-29
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. (GA)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

I dispute the negative items in my credit profile. I dispute these claims and demand that any information be removed from reports immediately if it is inaccurate or misleading specifically XXXX XXXX ( XXXX ) - ( XXXX ) XXXX and any non account holding hard inquiries. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on I want the incorrect information on my credit file be corrected immediately, and my rights not to be violated further.
Consumer complaint received 2023-06-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Frontline Asset Strategies, LLC (UT)

The issue is with XXXX and not the collection agency. I was in Nevada in my RV staying at an RV park. The parks internet did not work so I went across the street to XXXX  where I purchased wireless internet for my RV. The rep that helped me said she has to put the RV park address and not my home address because I was in Nevada. She said once you get home you can go to any XXXX store and update it with your current home address. I did that. I got home and went right to the XXXX store and updated my address with the reps there. 

Months have passed and one morning I woke up to multiple zero balance credit accounts being closed because of a recent collection. I pulled my credit and saw it was XXXX. I called XXXX and they had all the RV park information on file still after I went in and changed it. I was transferred multiple times and after hours and hours and only filipino support, I didn't know what to do. I tried explaining I did what I was supposed to do as a consumer and updated my address. 

I feel I was set up from the very beginning by the sales agent and the incompetent employees at the local XXXX  store. Today I called the collection agency and paid the debt in full. XXXX  needs to be held accountable as they do not even have anybody to speak to or escalate issues like this. I even went in to speak with them in person and they said it was turned over to their collection agency and they could not do anything. This whole situation has been so frustrating.