davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

TransUnion LLC XXXX XXXX XXXX XXXXXXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-04
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Responding to your BANK OF AMERICA letter that was send to my mailing adress dated XX/XX/2020. " See Attachtment documents '', 2 other banks and XXXX  made a full investigation about my claims against their companies and came to the conclusion that my identity has been compromise and fraud aplications were made under my name. These companies immidiately remove their inquiry from my credit report. 

I reported this Inquiry directly to your company and your fraud department agent told by phone she couldnt located this inquiry no where on your file system. NOW IN YOUR LETTER YOU TELL ME THAT THIS INQUIRY IS ACCURATE, CAN WE SPEAK HERE ABOUT MISLEADING AND FALSE INFORMATION FROM YOUR BANK TO MY PERSON??
Consumer complaint received 2022-02-23
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Affiliated Creditors, Inc. (GA)

This account with AFFILIATED with account number XXXX, has been paid as agreed, and thus, it should be removed from my credit report. There is no longer any balance on it and it has been closed. I have reached out to the XXXX Bureau and to the furnisher but no response was ever made by both of them. They have neglected my request of giving me a response or deleting this account.
Consumer complaint received 2020-04-04
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)

I have tried to dispute 2 accounts that do not belong to me with XXXX. They have refused to remove these fraudulent accounts to no avail. They are in violation of the FCRA.
Consumer complaint received 2020-04-04
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc. (NC)

My name is XXXX XXXX in XXXX, XXXXIn the morning of XXXX XXXX I received an email regarding a remittance to XXXX XXXX XXXX XXXX in the amount of {$400.00} to a XXXX account in the XXXX ending in XXXX but I don't know the person and I never did the transaction and haven't send money since XXXX so I went to my remitly account and saw there is really a transaction so I called remitly but there phone service is not working due to covid 19.when I check my remitly account I saw another transaction so I tried to cancel it but I can't so I deleted all the cards aasociated with my account and called my bank which is XXXX XXXX  to hold any transaction which they did but there were already 4 transaction on my remitly account in the amount of {$400.00} dollars plus the charge of {$3.00} and {$1000.00} then {$800.00} and {$750.00} with charges of {$3.00} each except the {$1000.00} which is free.i went to the chat of remitly as that's the only way I can communicate with them and told them to cancel the said transaction but they can't do it as well on their side and told them to email XXXX  in the XXXX  regarding this unauthorized transaction and they said I have to wait for 10 to 15 days but with no assurance.i went to my bank and they said they cant do anything as the transaction is still pending but was able to dispute it and I have to wait for 10-15 days as well.thats my hard earned savings that was taken without my knowledge and with ongoing crisis I'm not sure if I can pay my bills and support my family.please look into this matter.thank you
Consumer complaint received 2020-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am having trouble with TransUnion to explain why my credit score is XXXX. But with XXXX  I have a score of XXXX and XXXX  also has a score above XXXX. I have tried disputing errors with all three credit reporting entities but TransUnion has only became worse. This is before the COVID-19 outbreak and now is I can not even dispute the current score because the company contact information is not answering phone calls and their website is not taking chat by home personnel. I could a difference of 25 points but this is a difference of 134 points. Any help or information that could lead to a point of contact would be greatly appreciated.
Consumer complaint received 2020-04-04
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. (FL)

I have tried to dispute 2 accounts that do not belong to me with XXXX. They have refused to remove these fraudulent accounts to no avail. They are in violation of the FCRA.
Consumer complaint received 2020-04-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC (TX)

On XX/XX/XXXX I called for an ambulance from City  of XXXX - XXXX ( XXXX ). The XXXX-XXXX  sent me an invoice # XXXX in the mail. I sent an email on XX/XX/XXXX advising them to file claim with my insurance company XXXX XXXX XXXX. But they failed to file within 45 days for paper claim ( non-electronic claims ). They ( XXXX ) UNJUSTLY and UNFAIRLY forwarded their invoice for COLLECTION to National Recovery Agency ( NRA  ). I sent a letter on XX/XX/XXXX to NRA  letting them to know that XXXX  was supposed to file the claim with my insurance company but they failed. The NRA  put this collection item on my Credit file without listening to me, reviewing the case or offering any amount for settlement BECAUSE I AM AN XXXX and XXXX! 
I would greatly appreciate your involvement in this case to ask NRA  to remove the collection item IMMEDIATELY and apologize me for this UNJST and UNFAIR practice. 
Thanking you in anticipation.
Consumer complaint received 2020-04-04
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)

The following accounts need to be removed and blocked immediately due to fraud and identity theft : 1. XXXX XXXX XXXX Account # : XXXX 2. XXXX XXXX XXXX Account # : XXXX
Consumer complaint received 2020-03-28
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (MA)

I have been trying to reach to Mr. Cooper now to discuss my options in regards to my loss of income and the XXXX XXXX issues I am experiencing. I have reached out several times to only be on hold for over 3 hours with nobody answering or no system in place to leave information. They are truly just shutting their eyes and not doing their job by dealing with their customers and FHA customers. Realizing there have been FHA mandates put in place they still refuse to be available to talk to or communicate with. We as a family are beyond fed up with Mr. Cooper.
Consumer complaint received 2024-08-21
Product: Credit reporting 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)

I am Call all collection accounts in major violations Of XXXX and defamation of my character for Reporting debt Without sending Me proof of correspondence of Debt Validation notifying me that I had a debt by phone or mail was never sent me to Also All collection agencies below are under Violation of Try to collect charges in addition to the debt unless they are allowed by the contract or law Communicate or attempt to communicate with you in connection with the collection of a debt through a social media platform if the communication or attempt to communicate is viewable by the general public or the persons social media contacts Communicate with you by sending an email that the debt collector knows is provided to you by your employer, unless an exception applies Use any language or symbol on an envelope for correspondence with you that indicates it is a debt collector, other than the debt XXXX address or business name that doesnt indicate its in the debt collection business XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Opened XX/XX/XXXX XXXX XXXX XXXX Opened XX/XX/XXXX XXXX XXXX XXXXS Opened XX/XX/XXXX All collections need to be removed from the account XXXX XXXX experian, and XXXX XXXX also be facing arbitration suit if they keep defamation information on my consumer report
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.
Consumer complaint received 2022-12-28
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. (GA)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
6. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
8. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
9. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
10. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
11. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
12. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
13. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
14. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
15. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
16. there is some inaccurate information reporting. 
XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 
17. there is some inaccurate information reporting. 
XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2020-03-26
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (VA)

Both XXXX XXXX in XXXX, VA and XXXX XXXX ( headquarters in XXXX XXXX, TX XXXX submitted Hard Inquiries on my account on XX/XX/2019. It is my understanding that because these inquiries occurred the same day, they should have been counted as only 1 inquiry. I am submitting documentation stating that " all inquiries for a mortgage, an auto loan or a student loan '' should be counted as a single inquiry if within a 45 day time frame. My rights as a consumer have been violated.
Consumer complaint received 2020-04-04
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)

I have tried to dispute 2 accounts that do not belong to me with Experian. They have refused to remove these fraudulent accounts to no avail. They are in violation of the FCRA.
Consumer complaint received 2022-12-28
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. (TX)

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Company reporting negative information on my report. 
Company using personal information without consent. 
Company obtained personal information without consent. 
Company reports negative information on my report to extort payments. 
I have not done business with Company.
Consumer complaint received 2022-12-28
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: EQUIFAX, INC. (NC)

I want to inform the credit bureau AGAIN & AGAIN that I was the victim of identity theft. Per FCRA section 605b credit bureau are required to remove/block any item listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/2022 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 2020-04-04
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: Navient Solutions, LLC. (NV)

I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries presents in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT** )
Consumer complaint received 2024-02-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (OH)

I recently submitted an application to switch the IBR plan to the SAVE plan XX/XX/2023 to stop interest accrual and get a more affordable monthly payment. According to the StudentAid.Gov site it is showing the application was completed and has for several months. However, I have yet to be officially enrolled in the plan even though I have called my service provider Aidvantage multiple times requesting to enroll me ASAP. 

I called 3 different times ( XXXX, XXXX, XXXX ) and they had no record of my previous calls, they stated that they are still processing the application and, in the meantime, would place me in a forbearance where no interest would accrue. However, my balance is continuing to go up due to interest accrual they stated would stop and I still have not been enrolled in the SAVE plan.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2020-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am disturbed that you continue to list the dismissed bankruptcy as confirmed. 
Us Bkpt Ct Bal XXXX Bankruptcy Filed XXXX This is old and have to removed as soon as possible. 

Although it is your policy to keep reporting bankruptcies which are filed or adjudicated for 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings.

The law states from date of adjudication or date of order for relief. Any case, civil or otherwise, that has been dismissed no longer exists in the eyes of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent. 

Therefore, it is only fair that in accordance with Section 1681 ( a ) ( 5 ) of the FCRA you delete this information from my credit report and please send me a updated copy when it is completed. Considering that this does not require an investigation, I would appreciate your response within 2 weeks from the date you receive this letter.
Consumer complaint received 2020-03-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

I deposit cash in the amount of {$500.00} in check slot by mistake while depositing money in my checking account at Citizen Bank XXXX XXXX ATM. Reported the incident and called for claim also talked to Citizen Bank Branch employee at that time. Citizen Bank claims department gave me a claim number and a temporary credit of {$500.00}, while they investigate and wait bank to report ATM overage. After a month and a half bank can not track my money and took the temporary credit of {$500.00} back from my checking account. I have receipt and prove that I made the deposit and cash did not came back from ATM when I put them in check slot by mistake instead of cash slot while depositing. Attached you will find receipt for that transaction.
Consumer complaint received 2022-12-28
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Credit limit changed — 
Company: Grain Technology, Inc. (NY)

They recently updated their terms to change the credit limit of their users and make their current balance the limit. As I had no balance with a {$1000.00} credit limit, my limit is now {$0.00} and useless.