davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update or correct them immediately. 
XXXX XXXX XXXX XXXX XXXX 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 2023-06-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: GOLDMAN SACHS BANK USA (CA)

I have the apple credit card from Goldman Sachs. XXXX has disabled my account from receding XXXX XXXX rewards and has also disabled being able to receive and send XXXX XXXX, When I call to ask them why they tell me its against company policy to tell my why. Im not even receiving XXXX XXXX rewards anymore, I used to at least still receive it and was able to use it to pay off the apple card, now I cant even do that!
Consumer complaint received 2021-02-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (OR)

Recently received an email from my federal student loan servicer Navient, which is intended to exploit students in repayment who may not be aware that federal student loans are in a temporary 0 % federal forbearance period already. The email is intended to look like it is offering students information that may help them by responding yes to the email, but then if you scroll down in the page it goes on to read that by replying yes, you are agreeing to applying for forbearance and that you will be responsible for accruing interest, plus a list of other terms and agreements that you are agreeing to. 
This is a predatory practice because all federal student loans are already temporarily in a government mandated Forbearance, and in a 0 % interest period due to the pandemic. It is highly unethical to change students over to forbearance for financial hardship -of which you are only permitted to use for a total of three years during the lifetime of your loan repayment under normal circumstances, when the federal government has automatically put loans into this state which will not be subject to the same limitations. They are basically tricking students into waving their current rights and status, for a less desirable option which will limit their ability to claim forebearance in the future, and disguising it as help. This is only helping Navient, who will be able to limit the amount of time those students can claim forebearance for financial hardship in the future.
Consumer complaint received 2023-07-28
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)

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. 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. Please let me know if you need any other information from me to block this information from my credit report. Thank you.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-23
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)

sick during covid for over a year and all these accounts have popped up. no such contract can i find, but to report a collection for a few hundered dollars does not make sense Account name XXXX XXXX Account number XXXX Account type Unsecured Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$320.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$400.00} Balance updated XX/XX/XXXX Recent payment XXXX XXXX  Monthly payment {$0.00} Original balance {$830.00} Highest balance {$0.00} Terms 12 Months On record until XX/XX/XXXX Account info Account name XXXX  XXXX Account number XXXX Account type Unsecured Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$250.00} written off. {$250.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$250.00} Balance updated XX/XX/XXXX Recent payment XXXX XXXX Monthly payment {$0.00} Original balance {$370.00} Highest balance {$0.00} Terms 12 Months On record until XX/XX/XXXX Account info Account name XXXX XXXX Account number XXXX  Account type Unsecured Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$390.00} written off. {$390.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$390.00} Balance updated XX/XX/XXXX Recent payment XXXX XXXX  Monthly payment {$0.00} Original balance {$580.00} Highest balance {$0.00} Terms 12 Months On record until XX/XX/XXXX Account info Account name XXXX XXXX Account number XXXX Account type Unsecured Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$1300.00} Balance updated XX/XX/XXXX Recent payment XXXX XXXX  Monthly payment {$0.00} Original balance {$1600.00} Highest balance {$0.00} Terms 39 Months On record until XX/XX/XXXX XXXX  XXXX Account number XXXX Account type Unsecured Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$640.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$640.00} Balance updated XX/XX/XXXX Recent payment XXXX XXXX  Monthly payment {$0.00} Original balance {$830.00} Highest balance {$0.00} Terms 12 Months On record until XX/XX/XXXXXXXX XXXX XXXX
Consumer complaint received 2022-10-23
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. (NV)

sick during covid for over a year and all these accounts have popped up. no such contract can i find, but to report a collection for a few hundered dollars does not make sense Account name XXXX  XXXX Account number XXXX Account type Unsecured Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$320.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$400.00} Balance updated XX/XX/XXXX Recent payment XXXX XXXX  Monthly payment {$0.00} Original balance {$830.00} Highest balance {$0.00} Terms 12 Months On record until XX/XX/XXXX Account info Account name XXXX XXXX Account number XXXX Account type Unsecured Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$250.00} written off. {$250.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$250.00} Balance updated XX/XX/XXXX Recent payment XXXX XXXX  Monthly payment {$0.00} Original balance {$370.00} Highest balance {$0.00} Terms 12 Months On record until XX/XX/XXXX Account info Account name XXXX  XXXX Account number XXXX  Account type Unsecured Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$390.00} written off. {$390.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$390.00} Balance updated XX/XX/XXXX Recent payment XXXX XXXX Monthly payment {$0.00} Original balance {$580.00} Highest balance {$0.00} Terms 12 Months On record until XX/XX/XXXX Account info Account name XXXX XXXX Account number XXXX Account type Unsecured Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$1300.00} Balance updated XX/XX/XXXX Recent payment XXXX XXXX Monthly payment {$0.00} Original balance {$1600.00} Highest balance {$0.00} Terms 39 Months On record until XX/XX/XXXX XXXX  XXXX Account number XXXX Account type Unsecured Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$640.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$640.00} Balance updated XX/XX/XXXX Recent payment XXXX XXXX  Monthly payment {$0.00} Original balance {$830.00} Highest balance {$0.00} Terms 12 Months On record until XX/XX/XXXX XXXX
Consumer complaint received 2022-10-23
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)

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway
Consumer complaint received 2023-06-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Avant Holding Company, Inc. (NC)

Update XXXX : To this day they have still not replied to any emails ( the one email they sent even told me to reply to it! ) and the charge has been re-applied to my card. This is teetering on a big lawsuit if they think they are going to falsely report me to credit agencies because they don't like to follow federal law. 

On XXXX, while on vacation in NY, I noticed a charge on my Avant Credit Card for {$1400.00} from XXXX XXXX NY. I contacted Avant to report my card lost and notify them of the unauthorized charge. They credited my account and sent a replacement card. I thought everything was fine. On XXXX I notice the charge had been re-applied. I was confused, because I thought this matter was complete. I called them and the rep was confused as well. I called back the following day and spoke with someone else, who told me a 'XXXX  XXXX had re-applied it because XXXX was in the area ' and/or 'I took a few days to report it lost '. I reported it lost the moment I realized it. 1 called 3 more times over the next week, each time being promised I would get a call back from XXXX, which never happened. I was even promised a call back from the rep who was going to see XXXX the following day. No call was ever received. on XX/XX/XXXX, I receive an email from XXXX stating the bank now wants a Police Report, which is fine, however I can not file that online for the reason ( lost card/unauthorized charges ) with the XXXX. I am XXXX miles away as well. I replied back asking how to proceed, but again, I am receiving no replies as of XX/XX/XXXX. It seems they don't want to handle the situation properly and are making me regret ever doing business with these third rate credit card companies. It was my understanding that I am not responsible for charges made without my consent, but yet here we are.
Consumer complaint received 2022-12-06
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. (NV)

n accordance with the Fair Credit Reporting act XXXX, XXXX XXXX  bank account # XXXX XXXX  XXXX # XXXX XXXX XXXX  # XXXX XXXX XXXX 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 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
Consumer complaint received 2022-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

ITEM : XXXX XXXX XXXX OPENED XX/XX/2020 I HAVE DISPUTED THIS INQUIRY AND STILL HAVE NOT GOT IT RESOLVED According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation. 

Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ].
Consumer complaint received 2024-03-11
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: Experian Information Solutions 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 [ specific details such as incorrect name, address, Social Security number, etc. ]. 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 2022-10-22
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. (OK)

In accordance with the Fair Credit Reporting Act XXXX XXXX acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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., 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.
Consumer complaint received 2022-10-22
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (AZ)

Amerihome mortgage company LLC is my mortgage company. In mid of XXXX of 2022 they informed me, of increase of taxes and Insurance, and therefore, there were a shortage needed to be paid before the end of XXXX. I was informed that my shortage is XXXX total. 

In XX/XX/XXXX of 2022 I made a payment by phone fully to cover the XXXX shortage as they requested. 

IN XX/XX/XXXX, XXXX and XXXX, I called to follow on my Escrow, the customer service agents informed me different statements. one said there still shortage of less than XXXX and other stated there is hundreds, so Confusion occurred, and therefore a suggestion from another agent to wait till the numbers adds up next month, and maybe look for different Insurance company or to work in reducing my Insurance policy in order to see a difference in my monthly payment. 
I decided to reduce my home insurance and requested to be sent to my Amerihome and they did. the reduction didnt make any huge difference. 

I was told my monthly payment will increase no matter what. 

I'm confused and stressed about the outcome of my communication with Amerihome and it seems no way to avoid the shortage and pay it off fully due to accuracy of information provided.
Consumer complaint received 2023-07-31
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: Experian Information Solutions Inc. (IL)

Please remove this inquiry from my credit report as it is not associated with me in any way. I did not make this inquiry and have no affiliation with the creditors involved. I request that this inquiry be promptly removed from my credit report.
Consumer complaint received 2022-10-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY (ME)

In XXXX our credit card with TDbank was fraudulently charged I reported the charges immediately and was not updated at all even though I continued to call every 2 weeks, they continually said claim still open no updates. Finally In XXXX they told me charges matched spending pattern, even though 3 of the five charges were with XXXX I had never done business with. I asked for them to reopen/reconsider, they said they would annotate this request. I continued to call every 2 weeks for update, finally in XXXX they had an update that the disputed charge had passed the 60 day period so XXXX would not allow them to reopen the dispute. In short, I was charged in 5 charges in XXXX, reported immediately, and never got the money back because of an incorrect determination that it was not fraud. I am now told there is nothing else I can do so I am trying this for help
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

Im writing this statement because of inaccurate information on my credit profile thats need to be removed deleted from my profile. The accounts will be listed in my ftc identity theft report. 

XXXX  hard inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-31
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: Experian Information Solutions Inc. (IN)

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these inquiries deleted or updated. These are the items I demanding to be deleted immediately Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-22
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. (SC)

I have asked XXXX XXXX XXXX for validation through US mail and through the CFPB.at the address listed. I have not received any correspondence from this company. as of XX/XX/2016, this account was charged off. The Statute of Limitations for this type of debt is three years in the state of South Carolina, This is a time barred debt for collection purposes. How is it that the payment is increasing on a time barred account? Updating the payment history is not validation, XXXX XXXX payment history is inaccurate. I have no account with XXXX XXXX XXXX. This a violation of my rights under the HIPPA laws. XXXX states that the account is showing an inaccurate payment history and has been sold to XXXX. Why are they still on my credit report when the alleged account has been sold to a third party collection and I never had n account with XXXX XXXX XXXX has an inaccurate payment history. 15 USC 1681a ( 2 ) ( A ) ( i ) states that ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term " consumer report '' does not include ( A ) subject to section 624, any ( i ) report containing information solely as to TRANSACTIONS OR EXPERIENCES between the CONSUMER and the PERSON MAKING THE REPORT. Reporting any type of payment, is considered a transaction. ! 5 USC 1692e ( 2 ) ( A ) states that the false representation of ( A ) the character, amount, or legal status of any debt is a violatiion.