davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-11
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. (UT)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-12
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: AES/PHEAA (NY)

I recently disputed 4 items on my XXXX Credit Report from the following creditor : FED LOAN SERVICING Accounts ending in XXXX. XXXX, XXXX and XXXX. The items have inaccurate information in regard to past due status and history. The student loans were included in US Department of Education Fresh Start Program which required the deletion of default and negative history on rehabilitated student loans. The loan service is no longer operating to provide the updates to my credit report so how is XXXX in good faith verifying this information is accurate. In addition, these loans are reflected accurately on my XXXX and XXXX credit reports. I am including in the attachments a copy of the closed dispute from XXXX. I am also including a copy of the letter from the US Department of Education stating that these loans have been rehabilitated and I have included proof that FED LOAN Servicing is no longer operational.
Consumer complaint received 2020-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Avant Credit Corporation (TX)

My XXXX account was issued by AVANT. It went into collections and was sold to XXXX XXXX. The account was settled and paid XX/XX/2017 and XXXX XXXX did not communicate this information to AVANT to update my credit report accordingly. The AVANT XXXX account still shows Derogatory on my credit reports and was paid over two years  ago.
Consumer complaint received 2020-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (FL)

I did request my credit report through XXXX XXXX XXXX XXXX   to EQUIFAX to correct inaccurate information, I provide them all my information. 

They claim unable to find my credit file in their database.
Consumer complaint received 2023-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

On XX/XX/XXXX, and XX/XX/XXXX, I received an email and letter from the Department of Education. In regards to, Student Loan Discharge Based on Borrower Defense Evidence. The notice from the Department of Education stated, " Your loan ( s ) will be discharged as part of a Department action ( " Group Discharge '' ) to discharge all outstanding loans for attendance at XXXX XXXX XXXX that first began from XX/XX/XXXX through closure in XX/XX/XXXX after finding that it engaged in widespread misconduct that violated state consumer protection laws and/or made widespread substantial misrepresentations about its educational programs, both of which are grounds for borrower defense to repayment under the borrower defense regulations ( 34 C.F.R. 685.206 and/or 685.222 ). The Department is discharging your loans without requiring you to file an application because of the pervasive and widespread nature of the school 's conduct.

You also may receive a refund for prior payments made to the Department on your discharged loan ( s ) related to XXXX XXXX XXXX. Your servicer will let you know if you are eligible for a payment refund, which would be mailed to you. Please check your online account with your loan servicer to ensure your address is correct so you can receive any refund. Otherwise, you do not have to take any further action to receive your discharge. Your credit report will also be updated to reflect this discharge when it is complete. '' I have previously disputed with all credit bureaus and the issue has failed to be resolved. 
I contacted the loan servicer XXXX after receiving written notice and was advised it will be removed in 90 days. This was not resolved.
Consumer complaint received 2022-10-17
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022
Consumer complaint received 2022-09-30
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. (FL)

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, Experian, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : 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 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 2020-01-08
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. (NY)

Ive been disputing my XXXX account that is on my credit reports. The account has never been paid late ... XXXX has investigated this and corrected it to show as a positive account however upon reviewing my XXXX credit report today XX/XX/XXXX it is still showing as a negative account and will go to positive in the year XXXX. This is hurting my credit with this account reporting incorrectly. I have disputed this numerous times it has never been paid late.
Consumer complaint received 2022-10-24
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 XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX 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 A 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 2020-01-08
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: EQUIFAX, INC. (FL)

I have had a fraud alert placed on my Equifax credit file that indicates anyone who runs my credit needs to call me and that was not done and violates my rights as a consumer. I have reached out to Equifax on more than one occasion to advise my credit was pulled without my permisson and the stated that these items were accurate. I need this inquiries removed from my report XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2020-01-08
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: Experian Information Solutions Inc. (NY)

Ive been disputing my XXXX account that is on my credit reports. The account has never been paid late ... XXXX has investigated this and corrected it to show as a positive account however upon reviewing my Experian credit report today XX/XX/XXXX it is still showing as a negative account and will go to positive in the year XXXX. This is hurting my credit with this account reporting incorrectly. I have disputed this numerous times it has never been paid late.
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX XXXX  Account # XXXXXXXX XXXX Account # XXXX, XXXX Account # XXXXXXXX XXXX XXXXXXXX Account # XXXX, Account # XXXX, XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX, XXXX Account # 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
Consumer complaint received 2020-01-08
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I want to purchase a car and realized I need to lift my credit report freeze with TransUnion. I logged on to transunion.com to lift the freeze via my phone. I realized I entered the wrong verification data and they still took the freeze off! I logged on to my computer to find contact info to express my discomfort with their security verification. The phone number, although appearing to be a US number, was a call center in XXXX, XXXX. I expressed my concern and was asked for a lot of personal information ( which I was uncomfortable releasing ). They could not explain why the " unfreeze '' was permitted and transferred me to a supervisor in XXXX named XXXX. That is all he would disclose to me. XXXX also had no explanation for why I was able to unfreeze with incorrect data. They said someone would try to reach me tomorrow. This is unacceptable and extremely disconterting.
Consumer complaint received 2022-10-17
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian, XXXX and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to corrected immediately : XXXX  XXXX XXXX Balanced Owed : {$0.00} ; XXXX  XXXX XXXX Balance Owed : {$22.00}
Consumer complaint received 2020-01-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (AL)

Approximately XX/XX/2019, Roundpoint choose an insurance policy with the same coverage for my ESCROW, but the premium went from {$1400.00} annually to over {$2100.00}, they increased my monthly payment about $ XXXX to cover the new shortage. I called and canceled that policy myself, got a new equitable policy, and calculated my taxes insurance etc and appeared to have an overage in my ESCROW so that Id be due a refund. They told me the new monthly payment would stay the same due to their projected ESCROW account estimates. Today they have tried to increase my rate AGAIN, citing the same insurance issue and demanding an additional {$880.00} for my ESCROW due to another assessment completed XXXX XXXX. My new policy was {$1800.00}, the taxes did not increase that much this year and have been approximately {$600.00} annually, and it appears that even asking them to cancel the old policy they still have this listed on the ECSROW account, I have called these people 6 times since XXXX and have had no resolution with clearing up these issues.
Consumer complaint received 2020-01-08
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: Experian Information Solutions Inc. (FL)

I have a listing on my credit report from XXXX/XXXX. This account was passed off to XXXX XXXX and we ended up going to court where I was awarded a judgement for defective goods that they sent me. The credit bureau was sent a copy of the court documents and are refusing to remove it from my credit report.
Consumer complaint received 2019-11-25
Product: Debt collection — Auto debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: National Debt Holdings, LLC (TX)

on XX/XX/2019 I received a call from a private number. The representative, XXXX XXXX stated she had some very important legal documents that required my signature and she wanted to schedule a date for her to come out and deliver those documents to me personally. I asked her who she worked for and what company issued those documents. She stated she worked for XXXX and gave me a number to call to find out who sent the legal documents. I took number given to me and disconnected the call. I then called the number listed and spoke with XXXX XXXX who stated he was retained to settle a legal issue with XXXX XXXX XXXX  ( XXXX  ). He then went on to imply that I was in trouble regarding this " legal matter '' Once I obtained the account information, I asked for a physical address to send a cease and desist letter. I explained to him that implying legal consequences for collecting was in violation of FDCPA, he attempted to say that I could be in legal jeopardy, however when I told him I was going to file a complaint, he transferred me to XXXX. XXXX said he was in the financial department and attempted to imply that legally I could have a legal consequences filed against me. Once I told him I knew my rights as a consumer, he backed down agreed that I was not in danger of legal action and both collectors before him should have read my Mini-Miranda rights ( which NONE of those mentioned above did at any time during either phone call ) XXXX said he would take my number out of their data base after I told him I would speak with the original creditor to set up payment arrangements. The call was disconnected after XXXX said he would refer my complaints to management. After disconnecting the call I phone the original creditor to ask who they placed my account with, I was told the account was placed in another collection agency called National Debt Holdings , LLC I have also been given the name of another collection agency that they could be calling from as well XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX
Consumer complaint received 2019-11-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Firstsource Business Process Services, LLC (GA)

On XX/XX/XXXX I received a settlement letter from First Source Advantage , LLC representing XXXX XXXX for a debt I owed of {$4000.00}. The settlement offer was for {$1400.00}, which I accepted and paid off in full by the dates outlined in the letter by XXXX XXXX, XXXX. However, the public record continued to show in XXXX XXXX records through XXXX. I was unaware that the debt was still showing as not paid. I was made aware in XXXX XXXX when I attempted to make a house purchase and was notified by the loan officer. I immediately reached out to both XXXX and FirstSource Advantage to clear up the bad record. I provided the settlement letter and proof of payment. I received a court release letter in the mail two months later. It has been cleared ; however, during the time it was on my record, I refinanced a home and purchased a car but did not receive the best interest rates and paid more. I was also denied credit with some other creditors as well due to the negative mark on my credit report and XXXX.
Consumer complaint received 2020-01-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

XXXX XXXX presented himself as a XXXX who worked at XXXX XXXX, an XXXX XXXX XXXX in the XXXX XXXX XXXX. He requested I tow my XXXX to his shop, and the cost to replace the engine was {$2000.00}. 

Mr. XXXX requested three milestone payments be made to his shop of {$500.00} each via XXXX for work that had been completed on my vehicle. XXXX sent pictures once the engine was setup, once it was installed, and once the engine was running. The last {$500.00} due, I mentioned I would pay when the far was ready for pickup 3 transfers were sent via my Bank of America checking account to the Bank of America account for service repair shop XXXX represented as XXXX XXXX. {$500.00} XX/XX/XXXX, {$500.00} XX/XX/XXXX, {$500.00} XX/XX/XXXX. 

I called Mr. XXXX a minimum of ten times in the last ten days, and sent him 10 text messages regarding the date to pick up my XXXX. XXXX set two dates to pick up the car at XXXX XXXX and rescheduled them, as he was not available. 

I called the owner of XXXX XXXX and he confirmed he knew of Mr. XXXX, but at no time had Mr. XXXX EVER worked with for XXXX XXXX, and he was not a XXXX XXXX   employee. 

The owner of XXXX XXXX mentioned they had worked on my XXXX and had replaced the engine and it was ready for pickup. I asked about the balance remaining, and was surprised to hear that all of trabsfer Bank Of America never were sent to XXXX XXXX. Instead the {$1500.00} I paid went to Mr. XXXX XXXX personal account. Finally I was surprised to hear that the XXXX XXXX had not received the XXXX transfers. 

Contacted Bank of America ( BOA ) who filed a scam report XXXX XXXX XXXX Even though the money was sent from my BOA account, BOA refused to accept chargeback claim, and issue a provisional credit, even though the money transferred was taking from my BOA checking and transferred to another BOA. This is a BOA to BOA transfer, irregardless of the XXXX software. I had to sign into my BOA account. See attached files for my Banking Account info. 

Bank of America requested I filed a 2nd police report, and the CSR filed a Scam Reporr. On Wed, I will file police report and stop future ACH
Consumer complaint received 2022-10-17
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. (GA)

This is my ANOTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX MI XXXX ; XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$20.00} ; XXXX XXXX ( OriginalCreditor : XXXX XXXX ) XXXX Balance : {$1500.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance XXXX {$0.00} ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX  XX/XX/2022.
Consumer complaint received 2024-03-15
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: EQUIFAX, INC. (AL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX days, they should be promptly removed from my credit report. Since it has been over XXXX days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data XXXX, which raises concerns about the security of my personal data.
Consumer complaint received 2020-01-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

My identity has been compromised and niw there's accounts reporting on my file inwhich i have no knowledge of and I'm demanding that the credit reporting agencies delete them immediately or provide me with physical documentation of such accounts. 

1 ) XXXX XXXX XXXX {$520.00} 2 ) XXXX XXXX XXXX {$190.00}