davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-09
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 am aVICTIMof off base/strange/invalid/obsolete as well as conceivably even false deception within my Transunion credit report. This condemning of themis-announcing/mis-informationaffidavit is to declare my direction that you, asregulated, produce physically countersferfederal laws of my debates or acknowledge and encourage my solicitation that you either erase/or obstruct at any rate the accompanying unsubstantiated/yet-avowed/obsolete/distorted/consolidated/unrecognized/and additionally fake data from my credit record. I request to be persuaded ( as ordered ) that you can sufficiently confirm in imperative correctly how the falsehood come to occur if even by any stretch of the imagination, with my insight AND approval recorded as a hard copy of any individual/people/or substances that may be certainly mindful or even that I genuinely got any cash, products, or administrations because of the contested deception ofINACCURATE MISINFORMATION/UNVERIFIABLE and INVALID INFORMATION/POSSIBLY FRAUDULENT data or potentially even conceivable of Identity Theft thus myutilzationof this controlled Identity Victim 's Complaint and Affidavit
Consumer complaint received 2022-12-27
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. (TN)

I'm XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be deleted. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
Original Creditor : 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 XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-27
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. (CA)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2020-01-02
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2018 for 30 days??? 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2020-01-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (NJ)

Citibank has taken more than 90 days to process a dispute. Their website claims that this would be decisioned by XX/XX/2019 which has come and gone. Multiple attempts to contact the 'Executive Response Unit ' have been unsuccessful and no call back has been initiated on their part. XXXX XXXX XXXX, XXXX, and XXXX have been responsive and have processed their disputes and initiated permanent credits while Citi bank provided a confirmation alert that documents were received and then subsequently claimed that they were never received and denied the dispute based on this false information. 
Citi has falsely stated documentation was not received when it was and/or lost relevant documentation to the case provided in XXXX. On XX/XX/2019, their customer service agent provided an invalid email address to resubmit documentation to, and they have still not acted upon the information provided. It has been an ordeal. 
I have overpaid my internet bill with XXXX, a subsidiary of XXXX XXXX, XXXX XXXX, the merchant, acknowledges that I have a credit balance but refuses to reverse the charge to my Citibank account or provide a refund of such funds. CitiCards, the card issuer, has failed to act in 90 days on information provided multiple times. Most  recently XX/XX/2019. The primary documentation provided is a letter from XXXX acknowledging overpayment but requesting that I dispute the charges with my financial institution to reverse the charge and receive a refund. Citi refuses to act on this and the case still shows in progress to be completed no later than XX/XX/2019. Multiple attempts to speak with the Executive Response Unit of Citibank have been unsuccessful and they have not returned voicemails left.
Consumer complaint received 2018-10-03
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: KINGS CREDIT SERVICES (CA)

My spouse at the time, had a car accident and had recieved medical services from a XXXX XXXX XXXX XXXX. In XX/XX/2013 XXXX XXXX XXXX placed a collection notice in my name on the 3 credit reporting agencies. I disputed what was in my credit report with XXXX but they said they investigated it within 10 days and said their reporting was accurate and provided no information to prove their decision even after I informed them the debt was not mine.
Consumer complaint received 2018-10-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (MD)

Hi, I consolidated my student loans with XXXX XXXX inXX/XX/XXXX and it appears my loan was sold to XX/XX/XXXX who changed their name to American Education Services ( AES ). My original loan amounts are as follows : 1. Beginning balance {$2400.00} ( sub ) Current balance {$2300.00} 2. Beginning balance {$1900.00} ( unsub ) Current balance $ {$1700.00} 3. Beginning balance {$14000.00} ( sub ) Current balance {$13000.00} 4. Beginning balance {$14000.00} ( unsub ) Current balance {$13000.00} Totol due as of XX/XX/XXXX {$31000.00} I have been making payments towards my student loans since XX/XX/XXXX, over 10 years and I still owe {$31000.00}?? Something is wrong!!! Since XX/XX/XXXX, my payments were between $ XXXX- {$200.00} and as of XX/XX/XXXX, my payments are {$380.00} a month. 
I have contacted AES on several occasions to have them explain to me why I still owe them so much money. Unfortunately, their response doesnt justify the money I have already paid over the years and the remaining balance. I have been trying to research who I can speak with to have my consolidated student loan researched for accuracy. Hopefully you will be able to assist me. 

Here is the contact information I have for AES : American Education Services XXXX. XXXX  XXXX XXXX, PA XXXX XXXX American Education Services XXXX XXXX XXXX XXXX. 
XXXX, PA XXXX
Consumer complaint received 2022-12-27
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)

Equifax Information Services LLC has been reporting defamatory items in a consumer report about me, along with my private, personal information and my personally identifiable financial information for years without my consent or permission. I've tried on NUMEROUS occasions to have this issue resolved, and they refuse to assist me in correcting this matter, and they choose to continue to blatantly disregard my privacy and defame my character and credit reputation.
Consumer complaint received 2019-02-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I submitted a complaint to the CFPB ( complaint number XXXX ) on XX/XX/XXXXbecause TransUnion failed to respond to my dispute letter I sent them on XX/XX/XXXX. Yesterday, XX/XX/XXXX they respond to the complaint and said that they received the letter on XX/XX/XXXX and started an investigation into the disputed items and contacted the source to advise them of my dispute. On the response, they said that they completed the investigation and the disputed information was verified or updated accordingly, and on XX/XX/XXXXthe results were forwarded to my current mailing address on file but they were returned to them via the USPS. ( I attached a copy of the complaint response ) So, they said that they did received the dispute letter, they did investigate my disputed items but they send the results to a wrong address. TODAY, I received a letter from TransUnion ( I attached a copy of the letter as well ) saying that " they were unable to process my request ( the dispute letter they received XX/XX/XXXX ) because they were unable to determine the nature of my request or my request was illegible. SO, that means TransUnion lied to the CFPB because they responded on the complaint that they did complete the investigation and forward the results to a wrong address. Now they are telling me they didn't investigate. This is illegal and it has to be corrected ASAP.
Consumer complaint received 2024-02-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: REGIONS FINANCIAL CORPORATION (TX)

XX/XX/XXXX, requested a withdrawal of {$5000.00} from my account, handed an envelope with the money that came directly from their money machine. Threw the envelope in a safe and a month later when attempting to use the money, came across XXXX {$20.00} dollar bills in the middle of the stack of {$100.00} dollar bills. So still XXXX bills but XXXX {$100.00} 's and XXXX {$20.00} 's so I am out {$1600.00}. 

Went back to the branch and the manager said that he was going to look at the tapes but basically emailed me the next day saying to there was nothing amiss. Corporate complaint filed on the XXXX of XXXX and these also closed with XXXX communication. I know that they reconcile all accounts and money daily so I am assuming that the money was stolen at branch level after discovering the overage. 

Regions branch XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX - Branch manager XXXX XXXX - teller that handed me the envelope Still have all of the bills sitting in the original envelope but Regions could care less about investigating a {$1600.00} theft
Consumer complaint received 2023-05-15
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)

I need this late payment removed from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 

XXXX XXXX
Consumer complaint received 2023-02-22
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: Resurgent Capital Services L.P. (TX)

Accounts that's be reported are not mines and I asked verification of the accounts and I haven't received any showing my signature or the original contract also different spelling of my name also another social security number that's not mines shows on my report Some items that was deleted still show on my credit report
Consumer complaint received 2022-12-27
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. (NY)

In my credit report from Experian, XXXX, and XXXX. They are showing 2 or 1 fraudulent accounts which is : XXXX XXXX XXXX Other {$450.00} Status Date Reported XX/XX/XXXX Payment Status Collection/Chargeoff Account Status Derogatory Amount Past Due Not Reported Account Details. 



and XXXXXXXX XXXX XXXX XXXX Credit Cards {$600.00} Status Date Reported XXXX XXXX, XXXX Payment Status Collection/Chargeoff Account Status Derogatory Amount Past Due {$600.00} Account Details. 

Those fraudulent accounts are not mine and I want those accounts to be deleted completely off my credit report.
Consumer complaint received 2020-01-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Arete Financial Group (WV)

I wasn't sure on what to choose on the options given on the following questions. This is my problem. I have been paying a loan debt forgiveness company for almost a year. This company stated that if I paid the amount allotted for 10 years, my debt would be erased. It was a debt forgiveness program. I have had no problems with them until recently. I received an email on XXXX XXXX that my card was declined ( due to a new card, the did not have the new expiration date ) and I have tried to email them back, I've tried calling and I've left voicemails with no replies back. I recently logged on my account with them and it says that the FTC is filing a lawsuit against this company. I am unsure on what to do at this point with my account. I do not want my information in the wrong hands. This company has all my banking information and may social security number. I have been paying this company and the XXXX XXXX XXXX both XXXX dollars each month. I am unsure now if the Arete Financial Freedom Company was helping my loan status or not.
Consumer complaint received 2022-12-26
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical. Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... Please verify and remove the inaccurate accounts below. 

I have already disputed these items in XX/XX/2022, XX/XX/2022, but the Bureaus did not remove them or properly validate. 
XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-12
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. (TX)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent Items in my report and found that I need to visit FEDERAL TRADE COMMISIONor https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any Items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX U XXXX XXXX TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXXXXXX Balance : {$1700.00}, XXXX  XXXX Balance : {$0.00}, XXXX XXXX Balance : {$170.00}, XXXX XXXX XXXX Balance : {$890.00}, XXXX XXXX XXXX Balance : {$9200.00}, XXXX XXXX XXXX : {$960.00}, XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Balance : {$870.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$150.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$140.00}, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-05-15
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. (KY)

These companies had no authorization from me to furnish these inquires and In accordance with the Fair Credit Reporting act XXXX the following companies has violated my rights. 
XXXX & XXXX ; XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY. 
EVERTHING HAS TO BE REPORTED 100 % ACCURATE, AND ITS NOT.
Consumer complaint received 2024-06-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Exeter Finance, LLC. (NC)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2020-01-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc. (VA)

I previously requested Coinbase close the account that is associated with me to stop fraudulent activity. 

I still have not received confirmation of these actions. As I stated before to Coinbase, I do not have access to the Coinbase account and fraudulent transfers from my XXXX XXXX XXXX into this account has continued. My account that I have no access to due to it being compromised was used for unauthorized transfers from my XXXX XXXX XXXX account on XX/XX/XXXX in the amounts of {$20000.00}, {$15000.00} and {$5000.00} and on XX/XX/XXXX in the amounts of {$17000.00} and {$12000.00}. 

I did not authorize anyone else to use my account in any way. 

I notified Coinbase of the above unauthorized transactions, in accordance with the Electronic Fund Transfer Act. See Regulation E, 15 U.S.C. 1693 et seq., 12 C.F.R. 205.6, 205.11.
Consumer complaint received 2020-01-09
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)

On XX/XX/XXXX, I sent a dispute letter to Experian regarding an account with XXXX XXXX XXXX XXXX ( account number XXXX ) that was reporting inaccurately on my credit report. The report showed the account became 30 days late in XXXX of XXXX and subsequently was late 60 days XX/XX/XXXX, and 90 days late in XX/XX/XXXX. I disputed these dates because XXXX  and XXXX both show the account first became late in XXXX of XXXX. Therefore, Experian was showing the account was late 4 full months after the accurate date it first became late. On XX/XX/XXXX, Experian responded to my dispute saying the account was updated. However, the inaccurate payment history did not change, despite the fact I provided them with ample evidence showing that it was incorrect. I am complaining because I believe Experian did not actually investigate my dispute, Experian is allowing an account to remain on my report that has been illegally re-aged, and is non-compliant with the FCRA. If Experian actually performed their own investigation of the dispute and account, this issue would have been corrected.
Consumer complaint received 2020-01-09
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. (OK)

failure to apply under the FCRA Rules & Conditions, Sec 609 ( A ) ( 2 ), 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ) and under Identity theft Rules under 623 ( a ) ( 6 ) ( A ) Which Equifax did not follow these Rules after receiving the Notice and dispute letters which on three different times and I have the proof of service from the certify mailing receipt. I also have a pending litigation matter om XX/XX/2020 on, Equifax regarding this incident. They didn't even respond back in that 30 days timely matter from the dispute letter 's They didn't even respond back until after the 3rd attempt from the disputed letter after I exalted all my state remedy 's and due-process.