davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-24
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)

I have attempted to resolve the reporting error with the credit agencies twice. I have a 90 day reporting error on my credit and after disputing the information twice it has not been resolved. 

I disputed the report due to it being inaccurate. The report shows on time for XXXX XXXX and XXXX XXXX but then shows 90 days late for XXXX XXXX. This is an obvious error and obvious violation.
Consumer complaint received 2020-03-11
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. (GA)

Recently while conducting a monitor of my credit report I discovered some items that have unverified information. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. Additionally, I am allowed to protect my privacy and from third parties. I do not recall releasing my information to a third party. 1. Please provide breakdown of fees including any collection costs and charges 2. Provide a copy of my signature with the provider of service to release my information to you. 3. Cease any credit bureau reporting until the debt has been validated by me. 4. Please send this information to my address listed above and accept this formal complaint as my formal debt validation request, which I am allowed under the FDCPA. Please note that falsification of the information you received from any provider can be perceived as a violation of the FDCPA because you will be deceiving me after my written request of debt validation. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency XXXX  XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed are not deleted immediately.
Consumer complaint received 2023-05-13
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I recieved an email from Bank of America saying an account was open but denied with my email on XX/XX/XXXX. 

Their contact is almost impossible to get ahold of but who ever I ended up talking to after an hour on hold wouldn't help me and asked for my social which is a red flag according to their site. I just want that account closed as experience stated they used my social
Consumer complaint received 2023-01-17
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. (MA)

On XX/XX/XXXX I contacted Experian about the following negative accounts US DEPT OF EDUCATION ( Date Opened : XXXX XXXX, XXXX, Balance : {$3400.00} ), ( US DEPT OF EDUCATION ( Date Opened : XXXX XXXX, XXXX, Balance : {$1100.00} ), US DEPT OF EDUCATION ( Date Opened : XXXX XXXX, XXXX, Balance : {$1800.00} ), US DEPT OF EDUCATION ( Date Opened : XXXX XXXX, XXXX, Balance : {$1800.00} ), US DEPT OF EDUCATION ( Date Opened : XXXX XXXX, XXXX, Balance : {$2200.00} ), DEPT OF ED / XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$0.00} ), DEPT OF ED / XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$0.00} ), DEPT OF ED / XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$0.00} ), DEPT OF ED / XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$0.00} ), DEPT OF ED / XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$0.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2023-01-24
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nelnet, Inc. (GA)

Nelnet was put on notice and provided an Affidavit of Truth, Identity Theft Affidavit, Loan Discharge : Forgery Application, and a police report regarding the alleged debt of Federal Student Loans as of XX/XX/2023. I am granting Nelnet 5 days to DELETE the items identified as identity theft by XX/XX/2023 at XXXX XXXX  XXXX XXXX XXXX. I have provided Nelnet with enough time to gather evident or any other documents necessary prior so therefore I am only allowing 7 days as this has caused defamation to my character and my consumer file. Exhibit A will provide proof of received document via XXXX. As well as Exhibit B - XXXX with Nelnet confirmed on XX/XX/2023 at that they have received the documents uploaded into their system.
Consumer complaint received 2023-01-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX Balance : {$260.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$230.00} XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-17
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: SUNRISE CREDIT SERVICES, INC (NV)

I am willing to pay the month of XXXX due but not XXXX. I called them XXXX week of XXXX and complained that the service was not good when I was watching superbowl and wanted to cancel and ask for refund. The signal on my big screen kept circling and circling. I called again sometime XXXX and wanted to check why its still not cancelled and asked how much I owe for XXXX. Finally the subscription was cancelled sometime XXXX and they are billing me for both months. These people and company are trying to rip off people so they can get more money from their customers. I dont want to pay for XXXX and only XXXX.
Consumer complaint received 2023-01-17
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: EQUIFAX, INC. (NC)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$260.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$230.00} XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I would like to file a claim against XXXX, XXXX, and TransUnion to remove in correct information from my credit report. I file a dispute through XXXX to remove information from my credit report that's not correct on XX/XX/23. XXXX responded stating that all information was removed and requested XXXX, XXXX, and TransUnion to remove the same information as well. However, all of the incorrect information still remains. 

Therefore, they are in violation of the following 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act
Consumer complaint received 2023-05-17
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (VA)

I had storm damage to my home and was issued a check to my contractor immediately by my carrieXXXX, XXXX XXXX. I sent endorsed check, along with the contractor 's report and signed proposal between myself and the contractor, along with an {$11.00} prepaid, stamped, addressed envelope to send back to me. My mortgage company received this package on XXXX The events that have unfolded have been a total nightmare with Shellpoint Mortgage. They will not endorse the check and return to me as they state my account is delinquent. It is not. I am in an active XXXX XXXX bankruptcy. I have talked to over 7 people, including a supervisor in the XXXX XXXX Department who has told me a different story - that I was late in 2020 and because of COVID restrictions, they can not release the check to me. His name was XXXX XXXX. I didn't even have my mortgage with Shellpoint in XXXX. Every single person has told me different information. I was also told my XXXX XXXX that his department didn't deal with this, to call customer service but that I needed to pay for an appraisal! I explained to XXXX XXXX that I should not be penalized for being in a XXXX XXXX bankruptcy and that I was not comfortable signing a new proposal with the contractor as I am going to be the one who gets sued when they do not receive their money timely. Given what has transpired to date, how can I believe anything they are telling me? 

Further, they received my package on XXXX and it is now XXXX and was told none of this when I first called on XXXX to make sure they received everything. This is the most incredibly inept, deceptive mortgage company I have ever been involved with. 

I am attaching a PDF document outlining dates as well as names as the events have unfolded.
Consumer complaint received 2023-01-17
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. (NC)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$560.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$1900.00} XXXX XXXXXXXX Balance : {$3800.00} XXXX XXXX Balance : {$3400.00} XXXX XXXXXXXX Balance : {$5100.00} XXXX XXXXXXXX Balance : {$3800.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-04-26
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc. (NY)

Cash app has been keeping my money, they refuse to refund pending transactions. Cashapp makes up rules for when they release holds from certain business. Sometime you can be refunded immediately and other time you wait 14-31 days to release the funds. ( Hoping you forget, so they can void the transaction. ) so when they void transactions from pending, the information about the hold disappears and any information is vanished. Some cases cashapp balance stays the same when it should have been refunded the pending transaction amount. But theres no proof to dispute the missing funds, and it results in being robbed by cashapp. For them to achieve this they have to deny your request to release the hold on the pending transaction, blaming the business for the hold up. Ive been refunded within the hour of canceling from the business. So its clearly cashapp holding the funds from their customers, then denying and making up rules as they please. Ive contacted at least 3 times a week over the last year and had no success, all I get is : do not have any new information to provide regarding this issue. 

For questions or concerns outside of this case, please reply back to me here. 
If you have any questions or concerns outside of this case, please feel free to respond. 



My concerns and questions are literally ignored every time. I have yet to receive any sort of resolution for my missing money and have no idea how much is actually missing. I want to be provided the information of every time my card is used. They wont show me my own information they find their referring to because its private. My information about my account shouldnt be private when I request the proof. I have to show proof when I have a problem, they should have to show proof. I have my own evidence that the representative makes up rules and blatantly lies multiple times. They just hang up when they are backed into a corner and have confused them selves. 

Im fed up with being ignored and hung up on. There is absolutely nothing more I can do to solve anything with the company.
Consumer complaint received 2023-01-17
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: EQUIFAX, INC. (NC)

I do not recognize this account. This is purely identity theft. This account damaging my good credit reputation! 

DELETE THESE IDENTITY THEFT ACCOUNTS ASAP!!! 

XXXX XXXX XXXX XXXXXXXX - {$13000.00} XXXX XXXX XXXX {$3200.00} XXXX XXXXXXXX XXXX {$0.00} XXXX XXXX XXXXXXXX XXXX {$980.00} XXXX XXXX XXXXXXXX XXXX XXXX {$71.00} I will never stop filing complaints against you because I know my rights! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate. 

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 2020-03-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Premier Student Loan Center (TX)

In XX/XX/2019, I made an agreement with the Student Loan Forgiveness Program known as XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. The application for the program was entitled : Public Service Loan Forgiveness ( PSLF ). The agreement was that I would pay {$240.00} for five months, and then my payments would drop down to {$22.00} a month for the next 10 years. At this point, whatever amount was left on my loan would be forgiven. 

I was in contact with XXXX XXXX @ XXXX ; email : XXXX. Questions were to be sent to XXXX. 

I made a payment of {$240.00} on XX/XX/19 ; XX/XX/2019 ; XX/XX/19 ; XX/XX/19 ; XX/XX/19. 
I made a payment of {$22.00} on XX/XX/19 and XX/XX/19. At this point, there were no more payments automatically withdrawn from my account. The phone numbers connect to these withdraws were XXXX ; XXXX ; and XXXX. 
All payments were made out of California. 

When I contacted the company, the recording stated that the business had been suspended on XX/XX/2019 with a restraining order under the Consumer Financial Protection Bureau. They have been assigned a receiver : XXXX. This is where the court documents can be found. It also stated that there was to have been a court hearing on XX/XX/2019. However, I am unable to find any information about the outcome.
Consumer complaint received 2023-01-17
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: EQUIFAX, 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 items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items 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 correct them or update them right away : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (UT)

XXXX XXXX XXXX  # XXXX is reporting an account to my credit that I never received a notice for. I never received any kind of 30 day right to dispute notice and I had no idea I had this collection until I had my credit pulled and saw it on there. As soon as I noticed the collection I paid it and there is no reason for it to be on my credit report.
Consumer complaint received 2024-03-20
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: EQUIFAX, INC. (FL)

hello back on XX/XX/23 a letter was sent to XXXX disputing some information reporting to my credit that is not accurate. I was advised that a payment was late for this creditor and have not been advised the outcome of my dispute
Consumer complaint received 2023-01-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BARCLAYS BANK DELAWARE (CA)

Barclays closed XXXX of my accounts XXXX XXXX XXXX XXXX  Jet Blue plus Barclays XXXX XXXX XXXX XXXX The cards were restricted due to verify my identity. Which i cooperated with Barclays and faxed my drivers license, social security card ( FRONT AND BACK COPIES ) and a bank statement. 

Then i get a letter saying the accounts are closed cause the stuff i sent was insufficient Which Im confused cause i sent everything they asked for. If something was difficult to read or messed up in the fax they can easily tell me and i would mail the documents instead. For them to shut XXXX accounts Ive had for years and always paid off was a slap in the face to me. 

They sent me XXXX letters saying they need documents and another letter saying the account is closed cause of insufficient documentation which is confusing cause now i dont know which letter i need to believe
Consumer complaint received 2023-01-24
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: EQUIFAX, INC. (TN)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX and associates, 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 2023-05-17
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: AFNI INC. (NY)

Pursuant to 18 USC 8, owe no debt. This company is violating my consumers right to privacy pursuant to 15 USC 1681b 2.company has also NO permission to report ANYTHING using my info pursuant to 15USC 1681 4
Consumer complaint received 2023-01-24
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. (TX)

ADDITIONAL INFORMATION HAS BEEN PROVIDED FROM THE ORIGINAL SOURCE REGARDING THIS ITEM. THIS CREDITOR HAS VERIFIED TO OUR COMPANY THAT THE CURRENT STATUS IS BEING REPORTED CORRECTLY. THIS CREDITOR HAS VERIFIED TO OUR COMPANY THAT THE PRIOR PAYING HISTORY IS BEING REPORTED CORRECTLY. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : *PAST DUE *HISTORICAL ACCOUNT INFORMATION. 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 In accordance with the Fair Debt Collection Practices Act. Debt collectors are not allowed to communicate with me under the 15 USC 1692C
Consumer complaint received 2023-01-24
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}