davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-03
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)

This is my NUMEROUS 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 Balance : {$0.00} ; XXXX  XXXX Bankruptcy Discharged Date Filed/Reported : XX/XX/XXXX Reference # : 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 XXXXXXXX.
Consumer complaint received 2023-03-17
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. (NY)

Fraudulent accounts on credit reports 1. Us Department Of EducationXXXX {$5700.00} 2. Us Department Of EducationXXXX {$9400.00} 3 Us Department Of EducationXXXX {$5400.00} 4 . Us Department Of Education/XXXX {$1200.00} 5. Us Department Of EducationXXXX {$4100.00}
Consumer complaint received 2022-11-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (TX)

I have been given inconsistent timelines regarding refunds of past payments. I have a balance that will begin to accrue interest, yet I have not received any accurate information regarding the timeline of my refund. I have tried multiple times to reach them with no helpful information of the timeline of my refund nor the manner that my refund will be issued. The only thing they were quick with was telling me my balance has been reinstated now that the payments have been " refunded '' despite me not having any information of said refund.
Consumer complaint received 2023-03-31
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. (TX)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (OH)

Good evening This notice and communication is to inform the consumer financial protection bureau Add commercial world There is miss information being reported on my credit report by XXXX There is a gas bill reporting as a collection from a 3rd party I have made several communications to remove this Incorrect account without XXXX removing it. 

There's also a new collection on my account from a XXXX party collection agency that I do not have a contract with. 
I called for the immediate removal of all collections from XXXX party debt collectors on my credit profile thank you.
Consumer complaint received 2023-08-07
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: CAVALRY INVESTMENTS, LLC (NV)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-08-07
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: WELLS FARGO & COMPANY (NV)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-03-17
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 — Problem with personal statement of dispute
Company: SYNCHRONY FINANCIAL (MD)

This may not be the proper way to address this, and I apologize if it is not. I was looking for work around the time I was graduating with my XXXX  in XXXX of XXXX. In XXXX, the pandemic happened. All my finances were fine, but my job search was incredibly difficult and lengthy. I kept up with all my bills for as long as I could but by the time XXXX hit, I couldn't keep up anymore. The best I could do for work at the time was to adjunct for my university. I only made $ XXXX {$1500.00} a month doing this. I worked with all my creditors throughout the pandemic however eventually, I just couldn't keep up. Fortunately, I landed a wonderful job in XX/XX/XXXX and since then have been able to meet all my obligations with ease. The purpose of this is that, to this day, my report still shows all these late payments. I tried negotiating with the credit card companies to have these removed, but they were unwilling to remove these and said the fair credit reporting act prevented them from doing so. This was XXXX XXXX that said this. I'm not sure if there is anything that can be done other than just keep making my payments on time. Prior to the pandemic, for years my credit was spot on. Since at least XXXX. I worked hard to rebuild myself after the XXXX crash in which I lost my job and my home. Which is why I was going back to school to get my degree in mathematics and eventually a XXXX  in math. I had to reinvent myself. Thank you for your time in reading this.
Consumer complaint received 2023-03-17
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. (GA)

I recently received a copy of my ( XXXX, Equifax, and XXXX ) credit report, and I noticed some late payments posted on my credit report : XXXX XXXX XXXX XXXXXXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : a. IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include A. Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681 Failure to respond satisfactorily with deletion of the above-referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations.

4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Consumer complaint received 2022-11-29
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (IL)

This company alleges that my payment due on my card in XXXX of this year had bounced. This is untrue and I attempted to provide them with the documentation. I have spoken to these people XXXX times and they have deliberately stonewalled my efforts along with providing erroneous or false answers. I do not know what to do next, because I can not trust them with further payments if this is the treatment I receive.
Consumer complaint received 2023-05-25
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: FISERV INC. (SC)

The XXXX  department of labor uses a company called money network that inputs short term XXXX payments using their debit cards. I can not get the funds as the card was compromised and closed. Since XX/XX/2023 I have been trying to get resolved. Finally on XX/XX/XXXX I was told they ( money network ) will send me a check for the amount on the card. I called mid XXXX when no check was received. They keep telling me it should be received within ten business days. I have spent countless hours on hold. Each time they give a different date in XXXX. Today they just said 8 to 10 days from XX/XX/XXXX. They are obviously holding this money for some reason whether they dont have funds. I want my money and this company investigated for fraud. If you do a season reviews of complaints on this company you will see what Im writing about. Thank you.
Consumer complaint received 2023-05-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: JPMORGAN CHASE & CO. (WA)

I requested a balance balance transfer from a credit card I have with my bank back in XX/XX/XXXX to another XXXX to pay off the balance. I had been watching and waiting for the payment to post to the XXXX card for about a month. Calling and checking online to both the bank credit card and the other XXXX card. The bank credit card reps were telling me it could take up to 14 business days to mail out the check. Nothing had posted to the XXXX as of mid XXXX. I let my bank credit card know and ask them to start the process of a refund to my credit card. That is when they found out the check had been cashed on XX/XX/XXXX. I was told by the bank rep the check was cash by the XXXX XXXX and to reach out to them. So I did and they requested a copy of the check, which I provided to them and they did their investigation. I have now received a letter back from the XXXX company stating the check was cashed by another company, and that is way it was not posted to my account. I reached back out to my bank to see what the next step is. 
You can clearly see on the check that was sent to the XXXX company, my name, address, part of an account number and the Bank ( company ) it was made out to. The endorsement on the back of the check is not that company. 
It is my understanding that you are not allowed to cash a check that is not made out to you. It looks like they did.
Consumer complaint received 2017-07-18
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Prosper Marketplace, Inc. (NC)

We were paying off the loan I looked at the web site I think it was  XXXX - XXXX -17 to get the pay off which is an option on the payment screen. I mailed a check the next morning for that amount of {$14000.00}. I also sent an email to Prosper to let them know this was the pay off amount of that day, and on the check I wrote payoff amount on this date. They received the check on  XXXX / XXXX /17 but still charge me {$31.00}. I then again sent a email  XXXX / XXXX /17 and spoke with someone at customer service and she told me I need to pay this amount because it still charging interest. I payed this about and they would speak with their manager to get it refunded. On  XXXX / XXXX /17 they sent me this email Prosper Client Services ( Prosper Marketplace Support ) (  XX/XX/XXXX ,  XXXX  PDT Dear  XXXX , Thank you for contacting Prosper.
Mailed in payments can take 7-10 business days to process. in addition, same day payoff quotes are valid only for same day. Therefore, a refund of the {$31.00} in interest will not be issued. As, there is no Prosper error.
If you need any additional information or have any additional needs, please reply to this email.
Thank you, Prosper Client Services ) In all the loan I have ever had when you request a payoff it is good for so many day at that amount without interest still collecting. I know it is not a big amount I guess it is the point they should honor payoff amounts.
Thank you hope you can help me
Consumer complaint received 2021-05-15
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PlusFour, Inc (NV)

These accounts should be closed and removed from my credit report. It is harassment and XXXX. People just like hating me and my family and XXXX us, they all enjoy it. Having us homeless so they are not. It has been all my life in this country.
Consumer complaint received 2023-03-17
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: Experian Information Solutions Inc. (CA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute the negative items that have been listed on my credit report. Upon reviewing my report, I have noticed several discrepancies in the information that has been reported. 

Firstly, the account with XXXX  ( account number XXXX ) is inaccurate. I request that you verify the payment status, balance, comments, payment history, and account number, as they might be incorrect. I kindly request that you fix or delete this account from my credit report completely. 

Secondly, the account with XXXX XXXX  ( account number XXXX ) is also inaccurate. I request that you verify the payment status, balance, comments, payment history, and account number, as they might be incorrect. I kindly request that you fix or delete this account from my credit report completely. 

Thirdly, the account with XXXX ( account number XXXX ) is also inaccurate. I request that you verify the payment status, balance, comments, payment history, and account number, as they might be incorrect. I kindly request that you fix or delete this account from my credit report completely. 

Furthermore, the account with XXXX XXXX ( account number XXXX ) is completely absurd. There is no record in my possession that this account belongs to me. You must remove this inaccurate information from my credit report without any delay. The same goes for the account with XXXX/XXXX  ( account number XXXX ). 

Lastly, the account with XXXX XXXX  ( account number XXXX ) and XXXX XXXX account number XXXX ) are also inaccurate. There is no record in my possession that these accounts belong to me. You must remove this inaccurate information from my credit report without any delay. 

I would like to request that you investigate these matters as soon as possible and take the necessary steps to correct these inaccuracies. I appreciate your assistance in this matter. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2017-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Incorrect information that has been disputed since  XXXX . False Act information concerning employment, insurance and other information. What it has affected and still affects several issues : Deformation of Character, False Claims entered, Employment and Financial stabilities. Wrongful Garnishment and a host of other issues. In  XXXX - XXXX , I asked   XXXX   XXXX   to assist with these issues, but they did nothing in my disputes because they work for  XXXX  and also have their own company which is  XXXX . I work for a company, who uses their services, and because of this reporting, I would have to take drastic actions like Wage Fraud and EEOC. Even Social Security has been tapered with.
Consumer complaint received 2023-03-17
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: AMERICAN EXPRESS COMPANY (CA)

I am writing this complaint to AMERICAN EXPRESS. I sent them a letter regarding the inaccuracies in my report such as date of last activity, date opened, date reported, payment status etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. 

My rights has been violated numerous times. 15 U.S.C 1681 section 602 A. States that I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2.
Consumer complaint received 2023-03-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (MI)

Recieved a call on two different phone numbers from the same company stating that a credit card for Comenity bank XXXX lane bryant card stating that my account was being sent to civil court in my county. They stated the amount I could pay today or the amount it would cost me in court. The card in question was paid in 2018 and account closed. I told them the account had been paid they argued back stating it was going to civil court. I called comenity bank who had no record of this card as it has been pain and archived. I again called the company asking for the money they refused to give me their name and hung up. It was yesterday so I called them back after XXXX XXXX and it was an answering machine stating their name was XXXX XXXX XXXX  out of a different state. The phone numbers calling me were ( XXXX ) XXXX and XXXX XXXX XXXX phone number was ( XXXX ) XXXX. When I tried reaching out to that number to tell that company that someone was using their company to get money or debts already paid my call would not go thru. Also I must mention that when this person originally talked to me they did state this account was going into civil court in my county I did reach out to civil court in my county and they had no record of anything. Lucky for me I knew this account had been paid and I did not fall for their SCAM. Instead I reached out to Comenity bank and was told the account had been archived as it was paid and I reached out to my countys civil court office since the company did say my account had been sent there and a process server was going to be serving me. This company needs to be shut down for Scamming people. Not everyone thinks like I do to further investigate. Older people would have just given them the payment.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC. (NJ)

I applied for a home equity loan from a bank. Apparently they checked my credit with Equifax who shared it with multiple lenders across the country. I have received 10 calls this morning from lenders asking for information about me and my personal needs. What right does this credit reporting bureau have in sharing my information with anyone without my consent? I consider this a violation of my right to privacy. I can understand the purpose of inquiring about credit rating however I do not see why my application for a loan needs to be shared with anyone else.
Consumer complaint received 2023-03-17
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. (MD)

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

XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX ACCOUNT # XXXX  Account name : XXXX XXXX ACCOUNT # XXXX Account name : XXXX XXXXACCOUNT # XXXX Account name : XXXX XXXX XXXX XXXXACCOUNT  # XXXX Account name XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXXXXXX XXXXACCOUNT XXXX XXXX XXXX Account name : XXXX XXXX # XXXX Account name : XXXXXXXX XXXX XXXX/ACCOUNT # XXXX Account name : XXXX XXXX XXXX XXXXACCOUNT # XXXX TRANSUNION Account name : XXXXXXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXXXXXXACCOUNT XXXX XXXX Account name : XXXX XXXX  XXXX # XXXX Account name : XXXX XXXX XXXX XXXXACCOUNT # XXXX Account name : 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 reporting containing any of the following items of information. Any other adverse item of information, other than records of the convictions of crime 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 2022-11-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX ACCT : XXXX DATE OPENED : XX/XX/2014 I have reached out to the credit bureaus for them to delete this account. They replied with this account being verified. Although, I did a thorough investigation myself and noticed various inaccuracies. 

In accordance with the Fair Credit Reporting Act 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 an account without my written instructions.