davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.
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. (MO)

In accordance with the Fair Credit Reporting Act the companies listed numerically below are violating my rights. 

XXXX. ) XXXX Account # XXXX XXXX. ) XXXX XXXX Account # XXXX XXXX. ) XXXX XXXXXXXX Account # XXXX XXXX. ) XXXX Account # XXXX XXXX. ) XXXX XXXX XXXX Account # XXXX XXXX. ) XXXX XXXX Account # XXXX XXXX. ) XXXX Account # XXXX XXXX. ) XXXX XXXX  Account # XXXX XXXX. ) XXXX Account # XXXX XXXX. ) XXXX XXXX XXXX Account # XXXX XXXX. ) XXXX Account # XXXX XXXX. ) XXXX XXXX Account # XXXX XXXX. ) XXXX XXXX Account # XXXX XXXX. ) XXXX XXXX Account # XXXX XXXX. ) XXXX XXXX XXXX  Account # XXXX 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 : Also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Colony Brands, Inc. (GA)

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft.
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ACIMA CREDIT, LLC (NC)

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate. I know this is a violation of the FCRA and FDCPA so they must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party.
Consumer complaint received 2024-05-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aargon Agency, Inc. (CA)

THIS COMPANY IS REPORTING A DEBT THAT HAS BEEN SETTLED. 
I DO NOT HAVE A CONTRACT WITH THIS COMPANY. 
I HAVE NEVER SIGNED A CONTRACT WITH ( AARGON AGENCY INC ).
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2018-06-05
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (NJ)

I had been trying to do a short sale with Wells Fargo for way over a year. I tried one time and they took months to process, this lead the buyer, who had a cash, to pull out after 8 months of trying to close. ALL the documents requested from Wells Fargo were submitted, at times 3 and  4 times. I tried the short sale process again in XXXX. I also had a buyer with a cash off for {$210000.00} ( investor wanted {$210000.00}, but buyer went over and above the asking price to get this deal close ). Cash offer had been on the table since early XX/XX/XXXX, all documents were submitted by my attorney to Wells Fargo. In XXXX, my attorney received notice from Wells Fargo that the loan does not meet the investor 's requirements ( HUD.. my FHA Case # is XXXX ). that they were not entertaining anything but a sheriff sale. I inquired with Wells Fargo for the reasons and they stated that there was no offer on the table and that the short sale process was too close to the sheriff sale date ( which was XX/XX/XXXX ). 
I had questioned the person on the telephone at Wells Fargo as to why the issue of the offer, we have had a cash offer since early XXXX. I inquired if they did not pass this info to the investor and this person say, " whatever you gave us, we gave to them '', but still, the question is why did HUD NOT know of the cash offer for {$210000.00} since early XXXX?? 
The apartment went to be sold at the sheriff sale for {$180000.00}. My concern is the larger deficiency as a result of Wells Fargo NOT doing their work. I will likely be hit with a XXXX for about {$35000.00} and/or be sued for that large deficiency. The {$210000.00} would have covered any deficiency. I would like an investigation to see if Wells Fargo gave the investor the information regarding the cash offer for {$210000.00}. My attorney was extremely upset as he worked so hard on this case and stated that this was the only Short Sale he was not able to complete in many years of doing short sales. Why would someone choose {$180000.00} over {$210000.00} cash? Makes no sense.
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Our mortgage lender recently pulled our credit report ( XX/XX/XXXX ) and almost immediately upon pulling our report I started to receive unsolicited calls and texts from other mortgage brokers. The credit reporting agencies released my information to third party companies. The calls were never ending and clogged up my phone to the point I had to block all calls except those on my contact list. On XX/XX/XXXX I started receiving new unsolicited calls at XXXX until XXXX. I received XXXX unsolicited calls throughout that one day! Ive included screenshots of all the calls I received today ( XX/XX/XXXX ). Why are the credit reporting companies allowed to sell my information without my permission? Its wastes my time which is lost productive hours I could be using to make more income.
Consumer complaint received 2023-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is my several 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 items : 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
Consumer complaint received 2022-11-22
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-05-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (MO)

Account in question : Genesis Credit OGDL25 Collection Agency has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection account on one here 's consumer report.

One here has not been given a chance to dispute those accounts according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) This agency has violated my consumer rights by using false and misleading misrepresentation and deceptive means.

Collection agencies have NO AUTHORITY to furnish any accounts to a consumer reporting agency without first providing ANY and ALL disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S-2
Consumer complaint received 2024-05-01
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Navient Solutions, LLC. (IL)

The XXXX XXXX made pervasive and widespread substantial misrepresentations that borrowers relied on to their detriment. This conduct affected students who enrolled at the XXXX XXXX from XXXX XXXX, XXXX through XXXX XXXX, XXXX, when the campuses were sold to XXXX XXXX XXXX XXXX, XXXX. These misrepresentations related to the salaries and employment rates for its graduates and the benefits and connections The XXXX XXXX provided to students and graduates. Because of the pervasive and widespread nature of the misconduct by The XXXX XXXX, ED has determined that it is appropriate to discharge the loans made to all students who attended The XXXX XXXX during the time period described above
Consumer complaint received 2024-05-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (CA)

" I have not supplied proof under the doctrine of estoppel by silence. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I may presume that no proof of alleged, Debt nor therefore any such debt in fact exist 1 ) I demand validation of the alleged debt 2 ) I demand the methods used to validate the alleged debt 3 ) I demand a copy of the alleged original contract
Consumer complaint received 2022-12-07
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: EQUIFAX, INC. (MD)

I am writing to have the following removed from my file immediately. The items i need removed are listed in the report. i am a victim of identity theft and i did not make these chargers. i ask that items be deleted to correct my credit report. i reported the theft of my identity to the federal trade commission and i also have enclosed copies of the federal trade commission identity theft affidavit. I would be grateful if these fraudulent items are removed as soon as possible as it is hindering me and family from moving forward with our lives and is not reflecting an accurate score. THANK YOU XXXX BLESS
Consumer complaint received 2022-11-29
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: DISCOVER BANK (CO)

My wife, XXXX, set up a new bank account with XXXX XXXX on XXXX XXXX 2022 and wished to fund it. I linked this Discover account to it to fund it, and then authorized several {$2000.00} transactions to fund it. However, I or my wife never authorized a {$10000.00} transfer to the XXXX account. Shortly thereafter, on XX/XX/2022 a transfer for {$10000.00} was initiated from somewhere with my wife 's name, with the directions that it was to come from the Discover accounting ending in XXXX. I thought it might have been XXXX, so I looked at that account to see if any {$10000.00} transfers had been initiated with them. None had been, ever. Not just for XXXX XXXX -- there has never been a {$10000.00} transfer either requested or received. To confirm that there hadn't been a problem with their system, I requested a trace number from you and provided it to them. After checking their system, they confirmed that they had no record of that trace number ( XXXX ). I also confirmed with the other banks where my wife has an account that they had no record of a {$10000.00} transfer or that trace number, and they confirmed that they had no record of it. 

In short, Discover transferred money to a third party without my consent, and has no meaningful record of who they transferred it to.
Consumer complaint received 2024-03-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

Accounts listed> XXXX XXXX {$780.00}. 
XXXX XXXX {$950.00} XXXX XXXX {$220.00} XXXX XXXX {$14000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX {$4100.00} I have been getting denied credit from many sources due to inaccurate accounts. Accounts being duplicated on credit reports and sold off to creditors with no bonding insurance to collect remaining balances using harrassing tactics. I have had balances reported differently on all reports. Dates opened different on all reports, accounts being illigally reaged. All just to dispute but credit agencies have been reporting verified. That is against the laws and have hurt my credit and affected myself in many ways.
Consumer complaint received 2023-06-16
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. (NJ)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-05-01
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (CO)

On XX/XX/XXXX the Biden Administration announced that all federal student loans from the XXXX XXXX XXXX XXXX XXXX XXXX would be forgiven, due to the unjust and unethical practices of those colleges. I am a confirmed recipient of that forgiveness. I believe that it is ethical that my private student loans through Navient are also dissolved. 

I was told that I could not finish my degree without taking out these private student loans, and I could not afford to not finish the degree. I was also promised a job in the industry making more than enough to pay the loans. However, XXXX over saturated the market and a majority of graduates did not get jobs that could cover their loans. 

I currently have {$47000.00} in private student loans for that same degree. I attended XXXX XXXX XXXX XXXX XXXX from summer of XXXX through winter of XXXX. I have been making as many payments as I can on these loans since XXXX, and my balance has reduced by maybe XXXX. That is 14 years of payments in excess of $ XXXX, and they have barely reduced. 

It is unethical and problematic that my APR is 13.5 %, and I have not been approved for refinancing. It is morally bankrupt that they continue to charge me for a loan for a school that has been deemed unethical by the US government. I am a public school teacher who has been serving this country for 10 years, and do not deserve to be treated this way. 

My accounts are as follows : **** Signature Loan {$13000.00} balance 13.5 % APR **** Signature Loan {$22000.00} balance % XXXX APR
Consumer complaint received 2024-03-27
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. (CA)

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 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section XXXX ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 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 2023-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have been trying to remove these inaccurate charges from my credit report since XX/XX/XXXX with no reconcile to the matter at hand. My personal information was compromised in XXXX and fraudulent items appeared on my consumer report..I wrote to the credit bureaus in XXXX and never got a response..these fraudulent items are causing me hardship and I would like to rectify the situation before further efforts are taken to have items removed.
Consumer complaint received 2023-05-26
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. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT DATE
Consumer complaint received 2024-05-01
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Monterey Financial Services LLC (VA)

Dear Monterey Financial Services, I am writing to address a concerning matter regarding the status of my pending check, which has been the subject of repeated inquiries and complaints. 

Most recently, I received an email from XXXX at your organization, to which I promptly responded, reiterating my ongoing issue of not receiving my check. However, despite my immediate reply, it seems there has been a misunderstanding or miscommunication, as I have yet to receive any resolution. 

This marks the third instance in which I have had to raise a complaint regarding the non-delivery of my check, and it is disheartening to find myself in this situation once again. Furthermore, I am deeply troubled by what appears to be misinformation or dishonesty on the part of your representatives, as I have screenshots clearly indicating my responses and inquiries. 

I want to emphasize that I have diligently followed up on this matter, and I have not received any documentation indicating that I opted out of receiving phone calls or that there were any issues with my request. My only desire is to receive the funds owed to me promptly and without further delay. 

I implore you to rectify this situation immediately and expedite the issuance of my check. Failure to resolve this matter satisfactorily will compel me to escalate my concerns to the Consumer Financial Protection Bureau ( CFPB ). 

I sincerely hope that we can resolve this matter swiftly and amicably, without the need for further escalation. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-05-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Halsted Financial Services, LLC. (CA)

Halsted Financial Services ( XXXX ) has been emailing me saying that I owe money on an account that I never opened and does not appear on my credit report. It says I owe the money to XXXX XXXX XXXX Research tells me that this company is engaging in fraudulent phishing schemes to collect money on debts not owed.

Received emails on : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-01
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: Security Credit Services, LLC (SD)

I have attempted to contact Security Credit Services to pay the full balance owed on the account ( Original Creditor / Account # : XXXX XXXX, XXXX / account # XXXX Current Account Owner / Account # : Security Credit Services , LLC / account # XXXX ) and the representative stopped responding after I stated I wanted to pay the balance on the account. I then tried calling back several more times and have been hung up on repeatedly by what I assume is the same representative. In total I contact SCS 7 times to make a payment on the balance and they refuse to take my payment. This is predatory, abusive, and deceptive behavior by Security Credit Services.