davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Premier Student Loan Center (GA)

I started a student loan forgiveness program with XXXX XXXX XXXX aka Premier student loan center, aka XXXX XXXX  XXXX, XXXX XXXX XXXX, aka XXXX XXXX, XXXX  XXXX, and XXXX   XXXX  XXXX. I paid this company {$240.00} for five months starting in XX/XX/XXXX/XX/XX/XXXX. I made an payment of {$42.00} in XX/XX/XXXX. When I called to make an payment in XXXX, an automated recording stated that I have to contact XXXX. I have emailed them several times and I have not heard back from them as well. I do see on the complaint that consumer financial protection has an complaint out against them. I would like to check the status of this complaint. I have the supporting documents that states what I paid and whom I paid.
Consumer complaint received 2023-01-16
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 ordered a copy of my report in XXXX XXXX  and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX / XXXX / TransUnion has not responded/ replied/ answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXX Date Opened : XX/XX/2014 Balance : {$0.00}. I believe it was reporting in error.
Consumer complaint received 2023-05-13
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. (NY)

My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-05-13
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
DEPT OF EDXXXX XXXX Balance : {$47000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$28000.00} DEPT OF ED/XXXX XXXX Balance : - DEPT OF ED/XXXX XXXXXXXX Balance : - XXXXXXXX XXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXX XXXXXXXX Balance : {$18000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$570.00} XXXX XXXX XXXX XXXXXXXX Balance : {$18000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$18000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$28000.00} DPT EDXXXX XXXX Balance : {$0.00} - XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2019-12-24
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: Experian Information Solutions Inc. (GA)

I have requested several times to have this account removed from my credit report. The account is paid and should have never been reported. The confirmation number is XXXX for XXXX XXXX XXXX for account ending in XXXX. The account should be removed.
Consumer complaint received 2019-12-24
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. (GA)

I have requested several times to have this account removed from my credit report. The account is paid and should have never been reported. The confirmation number is XXXX for XXXX XXXX XXXX for account ending in XXXX. The account should be removed.
Consumer complaint received 2019-12-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Experian Information Solutions Inc. (CA)

Experian placed a freeze on my account for fear of fraudulent activity. I was unable to apply for credit after that, and am not able to have the freeze removed unless it's submitted in writing. I have LITERALLY tried 9 phone numbers to speak to someone and each time have not been able to get around the automated service. Finally, I called and said I was a business so as to get a person on on the phone, I have been on hold LITERALLY 2 hours and 26 minutes and have still not spoken to someone. I A AM LIVID. IT IS IMPOSSIBLE TO SPEAK TO SOMEONE AT EXPERIAN AND THEY MAKE ADJUSTMENTS TO YOUR CREDIT REPORT WITHOUT YOUR AUTHORIZATION OR CONSENT - AND THESE ADJUSTMENTS IMPEDE MY ABILITY TO LIVE.
Consumer complaint received 2019-12-24
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: Experian Information Solutions Inc. (TX)

To Whom It May Concerns : I am writing to dispute the following account with XXXX XXXX XXXX XXXX. I previously addressed the issue with you several months ago, after a thorough review of my credit report dated XX/XX/2019, I still notice that you have not removed this negative account from my credit report which is displaying a number of violations. 

1. Violation of the FCRA no notice of dispute displayed on the credit report. Did you really investigate?

2. Defamation of character, intentional harm to consumers credit profile. 
3. Inaccurate reporting, and failure to investigate section 623 of the FCRA. It is your duty to report  accurately not the creditor although I have notified them of the violations. 

I am communicating with you in hopes that we can remedy this situation immediately, I can not move forward until we do. The fines for such continued negligence can be steep, {$5000.00} or more since we have already engaged you in this regards. So if you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. 

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. So please remove this item immediately. 

I look forward to an uneventful resolution of this matter. 



Sincerely, XXXX XXXX XXXX
Consumer complaint received 2019-12-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (PA)

I have been paying my loans on time to MyFedLoans/FedLoan Servicing every single month since XX/XX/XXXX. I have the loans on autopay, so the payment comes out of my bank account on the XXXX of every month. 

I enrolled in grad school at XXXX XXXX University in XX/XX/XXXX but chose not to defer my loans, as I'm still employed full-time. 

I received an email from MyFedLoans/FedLoan Servicing on XXXX XXXX that XXXX XXXX University alerted MyFedLoans/FedLoan Servicing that I was enrolled in XXXX XXXX. Without asking me or giving me the option to opt-in, MyFedLoans/FedLoan Servicing auto-enrolled me in deferment. 

I have called MyFedLoans/FedLoan Servicing twice ( on XXXX XXXX and XXXX XXXX ) and submitted paperwork ( on XXXX XXXX ) trying to reverse this decision, but my loans are still in deferment, and I keep getting emails about my " request to defer '' - I requested ( via paperwork ) to do the opposite. I owe less than {$600.00} and just want to pay them off in early XXXX, as I planned. 

I'm surprised that it's even legal for my loan provider to opt me into deferment, especially since I have paid on time every single month for nine years.
Consumer complaint received 2019-12-24
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: EQUIFAX, INC. (TX)

To Whom It May Concerns : I am writing to dispute the following account with XXXX XXXX XXXX XXXX. I previously addressed the issue with you several months ago, after a thorough review of my credit report dated XX/XX/2019, I still notice that you have not removed this negative account from my credit report which is displaying a number of violations.

1. Violation of the FCRA no notice of dispute displayed on the credit report. Did you really investigate?

2. Defamation of character, intentional harm to consumers credit profile.

3. Inaccurate reporting, and failure to investigate section 623 of the FCRA. It is your duty to report  accurately not the creditor although I have notified them of the violations. 

I am communicating with you in hopes that we can remedy this situation immediately, I can not move forward until we do. The fines for such continued negligence can be steep, {$5000.00} or more since we have already engaged you in this regards. So if you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. 

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. So please remove this item immediately. 

I look forward to an uneventful resolution of this matter. 



Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-01-20
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)

XX/XX/2021 was the last time I communicated with XXXX XXXX. In the referred document you will see that they said I did not get approved for the loan but when I looked in the SBA data base it showed that my company currently had loan for the amount of XXXX, XXXX which we never received. I've tried to reach out to the company and all that I was able to receive was a generated message. I emailed XXXX on XXXX & XXXX of XXXX and the XXXX of XXXX of XXXX, the IRS, my local SBA and XXXX and no one was able to help me.
Consumer complaint received 2022-01-20
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. (TX)

XX/XX/2021 was the last time I communicated with XXXX XXXX. In the referred document you will see that they said I did not get approved for the loan but when I looked in the XXXX data base it showed that my company currently had loan for the amount of XXXX, XXXX which we never received. I've tried to reach out to the company and all that I was able to receive was a generated message. I emailed OIGHotline@sba.gov on XXXX & XXXX of 2021 and the XXXX of XXXX of XXXX, the IRS, my local XXXX and XXXX  and no one was able to help me.
Consumer complaint received 2022-10-03
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. (SC)

In accordance with the Fair Credit Reporting Act XXXX XXXX ( Account # XXXX ), XXXX XXXX ( Account # XXXX ), and XXXX XXXX ( Account # XXXX ) has violated my rights 15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without written instructions.
Consumer complaint received 2021-11-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (FL)

On XX/XX/XXXX XXXX I came to find out that this company had breached my checking account & removed over {$2.00} in two separate transactions, all on XX/XX/XXXX. I immediately called the fraud department & reported this as a fraudulent charge. The report was taken & I was told to expect a follow up from my banking institution. I never received a follow up so I went back to my local branch so a representative could help me further. It was days later after my initial first call to report this illegal transaction, when my local branch representative was on the phone with a fraud specialist - thats when, & only then is when I was made aware that this same company had already breached my account in XXXX of this year .it was at this time that my representative from my branch asked the fraud department agent what was the necessary steps we needed to take. We where instructed to start a claim for the fraud charges that I discovered on XX/XX/XXXX & the fraud department agent said that she would fill out the case for the fraud charges that happened in XXXX, which she apparently did .The problem I have is that my banking institution has credited me for the fraud charges made on my account in XXXX, but is refusing to credit me for the fraud charges that happened on XXXX- all because of a technicality of the dates of when this fraudulent charges happened & when they where reported, never mind the FACT that my banking institution never once called or notified me of the fraudulent charges that happened in XXXX nor did they catch or report the fraud charges that happened in XX/XX/XXXX. I have been to my local branch on 3 separate times, totaling over 6 hours of wasted time & numerous hours on the phone trying to plead my case that this is FRAUD,- PLEASE HELP ME- this total disregard on my financial institutions part.
Consumer complaint received 2023-01-16
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. (IL)

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

Account Name- XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Acct name- XXXX Acct # XXXX 15 U.S.C1681 section 602 A. states that I have the right to privacy.

15 U.S.C section 602 A. It states a comsumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) section states that no consumer reporting agency may make any consumer reports containing any of the following items of any information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 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 2022-10-03
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: CLGF Holdco 1, LLC (NY)

Cb Indigo is reporting inaccurate information on my credit report on all XXXX bureaus. They are reporting the last day active different on each bureau and reporting the account late XXXX and XXXX of 2019 at the same time. They are not reporting accurate according to the fair credit reporting act
Consumer complaint received 2019-12-24
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. (TX)

To Whom It May Concerns : I am writing to dispute the following account with XXXX XXXX XXXX XXXX. I previously addressed the issue with you several months ago, after a thorough review of my credit report dated XX/XX/2019, I still notice that you have not removed this negative account from my credit report which is displaying a number of violations. 

1. Violation of the FCRA no notice of dispute displayed on the credit report. Did you really investigate?

2. Defamation of character, intentional harm to consumers credit profile. 
3. Inaccurate reporting, and failure to investigate section 623 of the FCRA. It is your duty to report accurately not the creditor although I have notified them of the violations. 

I am communicating with you in hopes that we can remedy this situation immediately, I can not move forward until we do. The fines for such continued negligence can be steep, {$5000.00} or more since we have already engaged you in this regards. So if you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. 

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. So please remove this item immediately. 

I look forward to an uneventful resolution of this matter. 



Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-03-22
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC (VA)

I hope this email finds you well. I am writing to address the recent correspondence I received from National Credit Adjusters LLC dated XX/XX/XXXX, regarding a debt owed to XXXX XXXX from XX/XX/XXXX. 

Upon reviewing the letter, I acknowledge the debt of {$500.00} outlined therein. I want to assure you that I take my financial obligations seriously, and I have taken steps to address this matter promptly. 

As a proactive measure, I logged into my National Credit Adjusters LLC and initiated a payment arrangement. However, after seeking advice and consulting with individuals familiar with such matters, I realized that this account pertains to an older debt. 

My intention is to resolve this debt as soon as possible, not only to fulfill my obligations but also to maintain a positive credit rating. As I aspire to pursue a federal job, I understand the importance of having a clean credit history. 

However, I am encountering confusion regarding multiple accounts associated with XXXX XXXX through National Credit Adjusters LLC, each suggesting varying outstanding balances. Consequently, I seek clarification on the discrepancy and guidance on the appropriate course of action to ensure the resolution of this matter accurately and efficiently. 

I would greatly appreciate your assistance in clarifying the status of my debt and providing guidance on the steps I should take to ensure its resolution. Additionally, I kindly request documentation confirming the agreed-upon payment arrangement and any further details pertinent to this matter. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue. 

Warm regards, XXXX
Consumer complaint received 2019-12-17
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Collection Management Holdings, LLC (PA)

I worked for this company and I know exactly who is calling me and that is a HIPPA violation when Ive asked them not to call me as I know all of the employees and it is illegal to keep calling me when Ive asked them to remove my number.
Consumer complaint received 2022-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$68.00}
Consumer complaint received 2022-01-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (TX)

Convergent outsourcing attempting to collect on a XXXX XXXX account that doesn't exist. They harass me and report the account on my credit, when I call XXXX XXXX no account or withstanding balances exist.
Consumer complaint received 2024-03-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (FL)

My student loans have always been auto debited from my accounts. Aidvantage is not accurately deducting my account and I continue to get notices that I am delinquent due to them not deducting the full balance. I requested a manager and the manager spoke to the agent and would not come to the phone. This was my third time calling them trying to get assistance. They are threatening me with late fees and credit reporting when I have attempted to get them to resolve their system issue. I am incurring additional interest and I do not believe they are accurately reflecting my payments. I am in fear that my credit report will continue to be affected as now I received a notification that my balances are increasing instead of decreasing