davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I had an account with XXXX XXXX XXXX in which I cancel the policy. Before canceling the policy I open a policy with another carrier. Ive made several attempts to inform XXXX but it was ignored. I contacted the XXXX XXXX XXXX and finally, the policy was canceled and a refunded check was sent to me. 

After receiving the refund from XXXX XXXX I asked for the calls from XXXX XXXX XXXX to be stopped as well as for the negative information to be removed from my credit report. XXXX XXXX XXXX as well as XXXX XXXX XXXX has again ignored my request. I am asking CFPB to please assist in getting this negative information removed from my credit report and stop the calls.
Consumer complaint received 2022-10-28
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. (CA)

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 COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item 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 XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$460.00} ; XXXX XXXXXXXX Balance : {$10000.00} ; XXXX XXXX XXXX XXXX XXXX Balance XXXX {$9300.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$3800.00} ; XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX, CA 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 2022-10-28
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: Experian Information Solutions Inc. (NY)

This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The account I'm challenging has nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00}
Consumer complaint received 2022-10-28
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: EQUIFAX, INC. (NJ)

I submitted a letter to the 3 Credit Bureaus to update these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 DP OF EDUC XXXX Balance Owed XXXX {$2400.00} DP OF EDUC XXXX Balance Owed : {$2800.00} DP OF EDUC XXXX Balance Owed : {$3000.00} DP OF EDUC XXXX Balance Owed : {$2300.00} DP OF EDUC XXXX Balance Owed : {$6200.00} DP OF EDUC XXXX Balance Owed : {$590.00} DP OF EDUC XXXX Balance Owed : {$3900.00} DP OF EDUC XXXX Balance Owed : {$6200.00} US DEPT ED XXXX Balance Owed : {$2400.00} XXXX XXXX XXXX XXXX Balance Owed : {$2800.00} US DEPT ED XXXX Balance Owed : {$3000.00} US DEPT ED XXXX Balance Owed : {$2300.00} US DEPT ED XXXX Balance Owed : {$6200.00} US DEPT ED XXXX Balance Owed : {$3900.00} US DEPT ED XXXX Balance Owed : {$6200.00} USDOE/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 2024-06-17
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Adjustment Service, Inc. (TX)

I asked the debt collector to provide me with an account statement that shows transactions and charges so I can confirm the amount they are trying to collect. They sent me one page that just shows the amount. I need to see the charges so I can confirm why they are asking to collect {$700.00}. The original bill is with XXXX and XXXX also has cut my access off to my old account so I am unable to confirm the charges and amount they say I owe. This is deceptive and violates the FDCPA act. I need this debt collector as well as all credit bureaus to remove this from my credit report. Please note that XXXX removed this from my credit report so XXXX and XXXX should do the same.
Consumer complaint received 2023-05-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

MANIPULATION OF FORECLOSURE AUCTION, FORGED FORECLOSURE PUBLICATIONS AND MALICIOUS OBSTRUCTION OF HOMEOWNER 'S RIGHT TO DUE PROCESS This situation has been a long and exhausting process which originated when the mortgage on the property contained an incorrect legal description. In attempting to foreclose on the property, XXXX XXXX intentionally forged the legal description on the Court documents publicizing the auction instead of reforming the mortgage as it is required to do, by law and which resulted in a grossly inadequate bid price. Further, in an effort to settle the matter, I attempted, on multiple occasions, to satisfy the entire foreclosure judgment. XXXX XXXX refused to accept full payment and instead accepted almost half of the judgment amount from a known collusive bidder in a grossly faulty foreclosure auction. After XXXX XXXX forged Court filed documents to avoid correcting the mortgage, it then maliciously prevented me from satisfying the judgment, retaining the equity in my home, and satisfying the judgment to avoid a completed foreclosure. They also conspired with the auction bidder to prevent my right to due process and hearing of my timely objections to the faulty foreclosure auction. I have raised these issues in a multi-year court battle ; yet XXXX XXXX continues to engage in knowingly malicious bad acts. They have admitted their errors in Court documents, yet they refuse to take corrective actions. It is unacceptable and must be addressed. It has cost me years of my life, tremendous financial distress and the loss of home in spite of my multiple, assertive efforts to satisfy the full judgment.
Consumer complaint received 2022-10-28
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. (MO)

Despite the multiple dispute letters and CFPB Complaints that I have been submiting to the Credit reporting Agencies, it appears that my credit file has been compromised. I was going through my records & noticed many files which do not belong to me. My information has been exposed in the XXXX data breach. The following inquiries, inaccurate names and addresses are not affiliated with me nor received any money, goods, or services as a result of identity theft or they authorized by me and I would like them to remove from any affiliation with me immediately. Once again, please remove the following items completely from my Credit report : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NC XXXX XXXX XXXX  XX/XX/XXXX 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. Also, I previously requested the Credit Reporting Agencies to send me copies of proof of verification and yet they have failed to do so. Under the Fair Credit Reporting Act section 605b, I am going to request to the Credit Bureaus to please remove the disputed items completely from my Credit File.
Consumer complaint received 2020-09-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (AK)

I contacted Fedloan Servicing in XX/XX/2020 and asked them to fix my paid ahead status payments to have them adjusted so they will count towards student loan forgiveness. I again contacted them in XXXX or XXXX and they told me they were still working on the request. Now it is almost 10 months later, and I am still waiting for these payments to be adjusted and counted towards my forgiveness. 
Also the payment count towards my subsidized and unsubsidized accounts are different, but should be the same. Please help me get the information I am requesting.
Consumer complaint received 2020-09-30
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: EQUIFAX, INC. (RI)

I'm filing a complaint with a auto loan lender named XXXX XXXX XXXX, XXXX and XXXX. Back in XXXX of XXXX, I was granted a discharge from chapter XXXX bankruptcy. A few weeks later, I was approved for a auto loan on XX/XX/XXXX of XXXX. For some odd reason my credit file is reflecting as a closed account and that it was discharged alongside my bankruptcy which is a total XXXX up on XXXX and XXXX. I've called XXXX which is which I owe the debt on and they said they have nothing to do with my fico score being reported to XXXX and XXXX inaccurately. I've already tried filing disputes with both credit bureau but I get the same song and dance that my credit file is reporting accurately. I've included my Equifax credit file which reflects my loan accurately, my bankruptcy discharge paperwork and the actual bill of sale of the car I purchased after I was completely discharged.
Consumer complaint received 2021-03-21
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Williams & Fudge, Inc (VA)

Williams and Fudge is reporting a collection account from XXXX University on my credit report. I have not received ANYTHING in the mail from this company advising of this account and my right to dispute. This company can not report this account on my credit report without first providing notice of the debt and my right to dispute it and ask for validation. This is against the law. I have not received anything from Williams and Fudge about this account.
Consumer complaint received 2020-09-30
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: Flagstar Bank, N.A. (CO)

in XXXX 2019, I opened a Home Equity Line of Credit with Flagstar Bank. As part of the process, Flagstar bank paid the closing costs for the HELOC, totaling about {$1200.00}. 

Now I want to refinance my first mortgage, and Flagstar won't let me close out my 2nd mortgage without paying those closing costs. So we had to subordinate the 2nd mortgage, and now my rate has increased because there is more debt involved. This is the part that stinks -- my first mortgage is much more significant loan, but Flagstar won't release the 2nd without sticking it to me for the closing costs. 

I feel like I was not really aware of the consequences of signing that addendum when it was presented to me, with so many other pages to sign. I called Flagstar and asked them if we could negotiate these costs ; they " submitted the request to upper management, but I should know that these are almost always denied. '' I feel like I've been snowed by Flagstar and I will not be doing business with them again.
Consumer complaint received 2024-05-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (FL)

On XX/XX/XXXX I paid off a federal loan for the amount {$2700.00} ( see attached confirmation ) and I also have paid on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX for {$150.00} and on XX/XX/XXXX for {$100.00}. ( see attached bank statements ). 

All the above amounts are nowhere to be found on the student loan details and neither MOHELA or XXXX are unable to provide explanations as to where my payments went. While the representatives from both servicer were willing to help, nobody was able to direct me as to who I need to talk to and what I MUST DO to resolve my concerns.

In addition, MOHELA kept on sending me emails that my account has been delinquent.
Consumer complaint received 2023-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AZ)

In accordance with the Fair Credit Reporting act XXXX Account : XXXX # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX  Account : XXXX XXXX  # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX  Account : XXXX XXXX # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX  Account : XXXX XXXX  # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX  Account : XXXX XXXX  # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX  Account : XXXX XXXX XXXX # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX  Account : XXXX XXXX XXXX # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX  Account : XXXX XXXX  # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX  Account : XXXX XXXX # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX  Account : XXXX XXXX # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX  Account : XXXX XXXX XXXX  # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : I also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OK)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, XXXX. XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C. 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2023-03-06
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. (NY)

Re : XXXX Account Under the Fair Credit Reporting Act 15 USC 1681 this disputed item may not appear on my credit report if it can not be supported by any evidence.I have sent two letters to Creditors and Credit Reporting Agencies to produce evidence ( signed contract, billing statements, payment history ) that the debt is mind and they have not been able to do so. 

Contacted Creditor asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me therefore you are reporting misleading false account. 

I have also submitted my credit card statement where the alleged amount owed was paid and the account closed therefore it is misleading to continue to report fraudulent information on my credit report.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

Good day, This issue is in regards to my credit report. I have several accounts listed below that don't belong to me. I have written letters to all three credit bureau and haven't received an response. This may be due to there being incorrect addresses reported on my credit report, such as 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 My correct address is XXXX XXXX XXXX XXXX, XXXX XXXX. 
Below are the accounts : XXXX XXXX- {$200.00}. XXXX- {$210.00}. XXXX XXXX- {$280.00}. XXXX XXXX- {$1800.00}. XXXX XXXX- {$1900.00}. XXXX XXXX- {$4200.00}
Consumer complaint received 2020-04-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Paypal Holdings, Inc (FL)

I am experiencing continuing service problems with PayPal. I have filed several complaints previously about the same XXXX thing, they have responded, apologized and now are doing exactly the same. Adding money to my VERIFIED PAYPAL ACCOUNT IN GOOD STANDING, from a CONFIRMED AND ACTIVE PREVIOUSLY USED BANK ACCOUNT is being blocked without explanation and for no reason. I tried numerous times with the same XXXX error message as several months ago.
Consumer complaint received 2023-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Synovus Bank (FL)

XX/XX/XXXX I filed a dispute with the XXXX XXXX XXXX agency, and I also contacted the creditor and sent all documentation that was needed to support this dispute. and the fraudulent item is still reporting on my credit report after the creditor First Progress Card sent me a letter stating that it was being removed. and as of XX/XX/XXXX, FIRST CREDIRT PROGRESS WAS STILL REPORTING INACURRACTE INFORMATION ON MY CREDT REPORT.AND XXXX  IS VIOLATING THE FAIR CREDIT REPORTING ACT SECTION 611 ( 5 ) a ) OF THE FRCA. I HAVE ASKED THEM TO SEND ALL VERIFIY DOCUMENTS WITHIN XXXX  DAYS AND THEY HAVE NOT APPLIED AND I HAVE ASKED TO REMOVE THE FRADLUENT IT OF MY CREDIT REPORT.
Consumer complaint received 2023-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (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 XXXX XXXX XXXX. 

# XXXX XXXX  : # XXXX XXXX XXXX XXXX XXXX  XXXX, # XXXX XXXX, # XXXX XXXX  XXXX & XXXX XXXX # XXXX XXXX  # XXXX XXXX  XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven 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 2022-10-28
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: Experian Information Solutions Inc. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-28
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. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am requesting this myself for you to take necessary action about the errors being reported on my Transunion Report. I am so baffled by this situation. I am not connected to any credit company or any of its kind. I have been reaching out to Transunion, asking them to provide me with legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. They have provided ZERO VERIFIABLE PROOF. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Below, is the account they should DELETE from my file : XXXX  XXXX