davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (KS)

I have tried to use the Experian online tool for placing or removing security freezes on my Experian credit reporting account seven times. I have yet to have it work correctly even though I have the correct PIN number as noted on the document mailed to me by Experian. 

I have yet to reach a human representative using the official Experian customer service number, XXXX ( XXXX   ) XXXX-XXXX. 

If I call XXXX-XXXX-XXXX-XXXX  and choose Option " XXXX  '', consumer customer service, I do not reach a person. If I choose Option " XXXX '', the business customer service, I do reach a person, but after a minimum 30 minute wait. A further counterintuituve obstacle to reaching a person.

I acquired the XXXX-XXXX-XXXX-XXXX  number after having done extensive research on finding out how to speak to an actual human representative on this matter. Nowhere on the Experian.com site is there any place where XXXX-XXXX-XXXX-XXXX  can be easily found, only the XXXX  ( XXXX  ) XXXX-XXXX  number. 

The Experian online security freeze tool has not changed since it was implemented in 2017. 

This is in sharp contrast to online security freeze tools currently available from XXXX  and XXXX   which work quickly, efficiently, and conveniently for free. 

Experian offers an account upgrade, with an account lockout tool that functions the same way a security freeze does, for a cost of roughly {$5.00} per month. 

This has the net effect of costing me half an hour of my time to lift or place a security freeze on my Experian credit reporting account or pay {$5.00} each month to Experian to have the same convenience that XXXX and XXXX  offer for free.
Consumer complaint received 2020-04-01
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. (TX)

TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX XXXX 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 : US DEPARTMENT OF EDU US DEPT OF ED/XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XXXX 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  : US DEPARTMENT OF EDU US DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XXXX 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 : US DEPARTMENT OF EDU US DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account 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. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 

The following account need to investigate and correct from erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-01
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. (IL)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also, there are several inquiries on my name. I have not given anyone the authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my reports as soon as possible. 

XXXX XXXX {$1000.00} XXXX  XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX  XXXX XXXX {$360.00} XXXX XXXX XXXX {$15000.00}
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate this account in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( 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. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section XXXX ( a ) ( XXXX ) ( A ) Disclosures to consumers [ XXXX U.S.C. XXXX ] ( ( a ) Information on file ; sources ; report recipients. XXXX, XXXX, and TransUnion shall, upon request, and subject to XXXX ( a ) ( XXXX ) [ XXXX ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & XXXX XXXX ( a ) ( XXXX ) ( XXXX ) XXXX in case of disputed accuracy [ XXXX XXXX. XXXX ] ( a ) Reinvestigations of XXXX XXXX. If the completeness or accuracy of any item of information contained in my file at XXXX, XXXX, and TransUnion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 

The following account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-05
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 submitted a complaint last XXXX, XXXX and XXXX, XXXX. The companies involved responded. Some got deleted but there are still fraudulent items reporting on my credit report. I am submitting a new complaint hoping that you will still assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them immediately.
Consumer complaint received 2023-07-29
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. (IL)

XXXX XXXX and transunion has violated my consumer rights by furnishing unverified accounts this account is the result of identity theft DELETE XXXX XXXX XXXX Original creditor : XXXX XXXX DELETE ALL NON ACCOUNT HOLDING INQUIRIES ALL INQUIRIES ARE FRAUD FTC REPORT ATTACHED & ID
Consumer complaint received 2020-04-01
Product: Credit card or prepaid card — Store credit 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: TD BANK US HOLDING COMPANY (MI)

I was charged for 2 items that were cancelled in store when I went to pick-up the items because the items arrived broken. My online account at Target shows the store pick-up was cancelled but the card was still charged. I have been trying to resolve with Target for a few months but they have not issued a credit yet.

( 2 ) Transactions are dated XX/XX/XXXX for {$120.00} each. 

Email below from target dated XX/XX/XXXX ... 

Hello XXXX, Im contacting you today regarding your refund request from order XXXX. 

Due to a rare technical issue, were unable to process the refund systematically, so I've requested a refund of {$240.00} on XX/XX/XXXX to your Target RedCard. You'll receive additional communication when it's completed. I do apologize for the confusion and the delay. 

Keep in mind that, since the refund is being issued outside the system, it will not reflect in your Target.com account order history. 

If you have any questions or concerns, please call us at XXXX and reference case XXXX. We'll be happy to help. 

Thank you for your patience and have a great day! 

Sincerely, XXXX Target.com Tax Team www.target.com Email dated XX/XX/XXXX ... 
Thanks for reaching out to us about your recent Target.com order XXXX. I had a look, and I would like to apologize for the issues you've had with this order and for the confusion around your refund. 

After further research???, I've confirmed a refund of {$240.00} was successfully credited back to your RedCcard ending in XXXX on XX/XX/XXXX. You can verify your refund with your XXXX bank statement from XXXX or talk directly to RedCard Guest Services at XXXX. 

I know that you expect a great experience every time you order from us so, to invite you back for the experience you deserve, Im sending you a {$25.00} Target eGiftCard. You'll be receiving it to your email within 4 to 24 hours. 

I hope this helps clear things up. 

Thanks for being such a great Target guest and we hope to see you soon! 


Sincerely, XXXX Target.com Order Research www.target.com Email dated XX/XX/XXXX ... 
Hi XXXX, It has already been investigated and determined that Target owes me the refund for the {$240.00}. I have the email communication to prove that the refund is due. I was simply inquiring on how long the refund would take as I have not heard from anyone since XX/XX/XXXX. 

The refund you are referencing on XX/XX/XXXX was for a purchase made on XX/XX/XXXX. You see these particular tables were purchased 3 times in the hopes of receiving them undamaged. The second time I purchased them, they were once again broken and I canceled the order in the store as it shows on my online account. However, the store still charged me that day ( XX/XX/XXXX ). The is the refund I need. 

Who do I need to speak to for processing the refund? I would also be open to a gift card in the amount of {$240.00} to get this settled. 

Thanks, XXXX XXXX
Consumer complaint received 2020-04-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Simon's Agency, Inc. (PA)

Fact, Simon Agency in is in violation of the following sections of 15 USC 1692 : 1. 1692b. ( 2 ) 2. 1692b. ( 5 ) 3. 1692c. ( 1 ) 4. 1692d ( 2 ) I have attached all exhibits to prove they are in fact in violation of my rights as a consumer.
Consumer complaint received 2022-12-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

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 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXas 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 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 2020-04-01
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. (FL)

Equifax ; XXXX  and XXXX  are reporting incorrectly late payments on the XXXX XXXX XXXX XXXX XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) This account was included in a bankruptcy years ago and has recently appeared on my credit report. This account should not be reporting at all. It is a violation of the Fair Credit Reporting Act to report inaccurate information and this line item needs to be removed from my credit report. I have contacted XXXX XXXX XXXX XXXX XXXX as well as the ( 3 ) bureaus to remove this item however, I have not been successful.
Consumer complaint received 2020-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I am writing this due to non-compliance with the ( XXXX, XXXX, Transunion ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2024-02-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (MO)

I am on an income driven repayment plan, and had an income recertification due XX/XX/XXXX. Per the XXXX website, it said that any recertification due date before XX/XX/XXXX, would be pushed out one year, so my recertification date should be XX/XX/XXXX. Mohela did not update my recertification date, and has now taken out of income repayment, and placed me on a standard repayment, and now my new payment has skyrocketed to over {$5000.00} a month. The wait times are hours long, and I work a full-time job during their office hours. I have sent emails and have not received any responses. Ive spoken with many others who have run into the same problem, and they also have encountered the same horrible communication and misinformation.
Consumer complaint received 2020-04-01
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. (AR)

I was in the process of buying an ATV for summer fun. As I was looking for the one, I liked the saleswoman that was helping me with the process told me she needed to check my credit to make sure I qualified. When she got my report back, she told me I was not eligible. I asked her to show me my report and there are several derogatory items that do not belong to me. These items are not mine and need to be removed as soon as possible. I have been a victim of identity theft. 

XXXX XXXX {$1100.00} XXXX XXXX XXXX {$1100.00} XXXX XXXX   XXXX {$340.00} XXXX XXXX XXXX {$1200.00}
Consumer complaint received 2020-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Pioneer Capital Solutions Inc (VA)

XXXX XXXX XXXX - Says its in collections for {$2900.00}. With XXXX  XXXX XXXX XXXX - Same thing - With XXXX  XXXX XXXX {$890.00} Says it is in Collections With XXXX  Pioneer Capitol Sol -  {$99.00} Says it is in Collections With XXXX These accouts are definitely not mine
Consumer complaint received 2020-04-01
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. (AR)

I was in the process of buying an ATV for summer fun. As I was looking for the one, I liked the saleswoman that was helping me with the process told me she needed to check my credit to make sure I qualified. When she got my report back, she told me I was not eligible. I asked her to show me my report and there are several derogatory items that do not belong to me. These items are not mine and need to be removed as soon as possible. I have been a victim of identity theft. 

XXXX XXXX {$1100.00} XXXX XXXX XXXX {$1100.00} XXXX XXXX   XXXX {$340.00} XXXX XXXX XXXX {$1200.00}
Consumer complaint received 2020-03-20
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Lending Club Corp (WA)

I have currently been on hold for 1.5 hours trying to pay my bill. I spent the first hour on hold then when someone did answer they said they could not help me but harassed me about contact information for my account which has a Do Not Contact on it which the company continues to violate with mail and emails. I spoke with a supervisor who only just transferred me to another department. Still on hold as I write this. A more convenient way to pay my bill is all I am asking. The customer service reps are rude and the hold times are long.
Consumer complaint received 2024-02-24
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. (CA)

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 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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.