davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-21
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Credit Karma (PA)

On XX/XX/XXXX around XXXX XXXX o received a email from credit karma stating my credit karma money account was closed due to not receiving proper documentation, However On XX/XX/XXXX I XXXX XXXX filed my taxes with XXXX XXXX who had a contract with credit karma for the advance refund. After IRS accepted my return I was approved on XX/XX/XXXX for an advance loan in the amount of {$4000.00} deposited into my closed credit karma account which was actually open. However once credit karma notice there mistake they closed the account on XX/XX/XXXX. Thank goodness I had took all my money off by then. On XX/XX/XXXX I have sent proof of my new address and documentation validating proof of address to update address with credit karma money account so that they can send my IRS check to the right address. Today is XX/XX/XXXX my address and not update and I have honestly at this point been giving the run around. I have been told so many different things that I will have to alert the IRS of the issue of credit karma not allowing me to update my address. I then ask to close the entire account and send the check back to the IRS because they have my updated address I still have no answer and been told my address has not been updated still and claims of them not receiving my check. I want them to update my address and send my check out over night I am wiling to pay fees, but I cant even get passed the point of an address update so now I have to take off work and file the complaints to the right department because this is the most frustrating situation Ive ever been in. I jus dont understand how credit karma allow so much money to go in a closed account and then closed the account once they seen there issue. I was told I could reopen an account, I was told they can open the old account, I was told so many different things Im not sure what has been done or not been done. The lack of communication and the need to updated account information is extremely important and to after a week have no answer no address update this is jus ridiculous. I get systems makes mistakes and things happen but credit karma is not allowing me to update my address after giving the proper documentation and been told they where received correctly so please help because they have no right to not allow me to at this point update my address on my profile in general, even if my money account is closed its credit karma account and I still need to update my address
Consumer complaint received 2024-03-29
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: U.S. BANCORP (CO)

to whom it may concern, my report is showing that i owe XXXX. i never knew the account was close until i did my taxes and the account was linked to my external account and i was showing a deposit of my taxes then the next day it showed closed account... i was looking on my credit report and the person i know who has my information has accessed multiple account or issues to XXXXXXXX me over he has a restraining order in place please help
Consumer complaint received 2019-11-25
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)

Today XX/XX/19 I was made aware of some accounts and a bankruptcy on my credit report that all do not belong to me. The accounts were opened by someone else without my permission and the bankruptcy was clerically filed in error ; it belongs to someone with a similar name. I did not allow anyone to open any of these items in my name using my personal information ; I already filed a police report regarding this matter as well as notified the courts. I do not have any relationship with any of the companies and I did not benefit anything from these items that do not belong to me. I did not make any transactions or payments towards any of these accounts.
Consumer complaint received 2018-09-28
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (MD)

Dear Credit Representative : I am disputing the account stated above. Previously, I disputed this account information as being inaccurate, and you responded by stating you were able to verify this debit. But how is that possible? Under the laws of the FDCPA, I have contacted the collection agency XXXX XXXX XXXX myself, and they have failed to provide me with proper validation according to the FDCPA as I requested. 

I have enclosed copies of my requests to the collection agency, asking them to validate the debt, as well as the receipts showing I sent this letter by certified mail. I was given an Account Summary Report and no evidence of my obligation to pay this debt to the originator or this collection agency. This debt is not mine. This is NOT a valid form of validation of debt per FDCPA.

The validity can not be properly verified and you are obligated by law to remove it from my credit file. I urge you to remove this account before I am forced to take legal action.

In the event that you continue to report it on my credit report, I will find necessary to sue you for actual damages and declaratory relief. According to FCRA regulations, I may sue you in any qualified state or federal court, including small claims in my area. 

I look forward to a swift and amicable resolution to this matter.
Consumer complaint received 2022-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

The following accounts are listed on my credit report that violates : 15 USC 1681a *Accuracy and fairness of credit reporting... 
There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
* 15 USC 6802 : a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 

Account Name : DEPTEDXXXX Account # : XXXX**** Account type : Educational Balance : {$180000.00} Balance : {$40000.00} Balance : {$29000.00} Reporting Agency : XXXX Account Name : DeptedXXXX  Account # : XXXX Account type : Educational Balance : {$180000.00} Balance : {$40000.00} Balance : {$29000.00} Reporting Agency : XXXX Account Name : DeptedXXXX   Account # : Account type : Educational Balance : {$180000.00} Balance : {$40000.00} Balance : {$29000.00} Reporting Agency : Equifax Account Name : XXXX Account # : XXXX Account Type : Installment Balance : {$25000.00} Balance : {$13000.00} Status : Collection/Chargeoff Reporting Agency XXXX XXXX XXXX XXXX XXXX Equifax XXXX Agency XXXX XXXX and XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Court : XXXX XXXX XXXX XXXX XXXX XXXX  SC XXXX XXXX XXXX Dismissed Dismissed Account Name : XXXX Account type : Educational Balances : {$9300.00} Balances : {$10000.00} Balances : {$22000.00} Balances : {$50000.00} Balances : {$24000.00} Balances : {$12000.00} Balances : {$28000.00} Account Name : XXXX Account Type : Real Estate Balance : {$350000.00} Reporting : 180 days late Reporting Agency : XXXX Name and Address are inaccurate : Also Known As : XXXX, XXXX XXXXXXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX
Consumer complaint received 2022-05-31
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. (SC)

The following accounts are listed on my credit report that violates : 15 USC 1681a *Accuracy and fairness of credit reporting... 
There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
* 15 USC 6802 : a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 

Account Name : XXXX Account # : XXXX Account type : Educational Balance : {$180000.00} Balance : {$40000.00} Balance : {$29000.00} Reporting Agency : Transunion Account Name : XXXX Account # : XXXX Account type : Educational Balance : {$180000.00} Balance : {$40000.00} Balance : {$29000.00} Reporting Agency : XXXX Account Name : XXXX Account # : Account type : Educational Balance : {$180000.00} Balance : {$40000.00} Balance : {$29000.00} Reporting Agency : XXXX Account XXXX : XXXX Account # : XXXX Account Type : Installment Balance : {$25000.00} Balance : {$13000.00} Status : Collection/Chargeoff Reporting Agency XXXX Transunion XXXX XXXX XXXX XXXX XXXX Agency XXXX Transunion and XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXXXXXX Bankruptcy XXXX XXXX XXXX : XXXX Bankruptcy XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX Account Name : XXXX  Account type : Educational Balances : {$9300.00} Balances : {$10000.00} Balances : {$22000.00} Balances : {$50000.00} Balances : {$24000.00} Balances : {$12000.00} Balances : {$28000.00} Account Name : XXXX  Account Type : Real Estate Balance : {$350000.00} Reporting : 180 days late Reporting Agency : XXXX Name and Address are inaccurate : Also Known As : XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXXXXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX
Consumer complaint received 2017-07-28
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. (FL)

XXXX inquires listed on my credit file multiple disputes submitted no investigation done by Transunion XXXX inquiries remain and lowering my credit score Transunion refuses to take action even after multiple letters sent warning of legal action to follow
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2022-05-31
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. (GA)

In accordance with the Fair Credit Reporting Act the listed accounts below has violated my federally protected consumer rights to privacy, confidentiality, accuracy, and confidence under 15 U.S.C 1681 Bankruptcy Case Number : XXXX, and Bankruptcy Case Number : XXXX has violated my rights under sections : 15 USC 1681 section 602 ( A ) ,15 USC section 604 ( 2 ), 15 USC 1681 section 6060 ( 2 ) ( a ), 15 USC section 6048.
Consumer complaint received 2024-02-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CA)

There are problems with the payment amounts that Mohela has posted on my account dashboard. These amounts keep changing all the time, even within one month. Also the amount due posted on the dashboard is DIFFERENT to what my official statement from them says for the month. 
For this month ( XXXX ) firstly my payment increased from the previous month without warning, at least {$100.00} more than XXXX. My payment is split into XXXX portions and I must pay it in XXXX portions on their website system. So on XX/XX/XXXX I paid {$200.00} ( that is more than the XXXX dollars that it was asking me to pay. On XX/XX/XXXX the remaining balance that was listed as due was about {$790.00}. This was about {$100.00} more than XXXX. Then on XXXX XXXX I returned to look at my account and the dashboard now said I owe {$1200.00}, and more than {$490.00} of that was " past due ''! It does not make sense. These numbers do NOT match what is listed on my statement for the month of XX/XX/2024. You can see on the attachments : Mohela Statement page XXXX and XXXX, then the Make a Payment Dashboard screenshot is totally different. 
The amounts listed on the dashboard or payment page are changing frequently and without notice AND they do not match the statements I have been sent AND When I click on the make a payment button, then the amount doesn't always match what was asked.
Consumer complaint received 2023-10-17
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. (GA)

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. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 2018-09-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (TX)

I keep getting inconsistent information from XXXX on what to do in order to manage my loan, and I can not get them to give me any of this information in writing. On XX/XX/XXXX, as instructed, I submitted an application for IDR, as instructed. I uploaded an application and a copy of my tax return. I was told it was pending and that the XXXX portal would contain more information about my status- you can see from the screenshot of my inbox there is no such information, nor did I receive and e-mail. On XX/XX/XXXX, I made my monthly ( I say monthly because I waste a few hours of my work day on the phone with them on a monthly basis ) trying to get information. They said that I would be placed on a forebearance while my application was expidited. Today I looked and my bank account ( see screenshot ) was debited, even though I had a forebearance. I filed a dispute with my bank. 

My general issue is that I can not get consistent or written information from this service about what I need to do. Spending hours on the phone every time there is a status change to my account ( There is bi-annual paperwork to resubmit for PSLF ) is not something I should have to do. 

Furthermore, I have requested 3 times, over the span of 9 months that I get in writing what payments have counted towards PSLF and distinct instructions on what to do ... to no avail.
Consumer complaint received 2024-05-30
Product: Debt collection — Rental debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: ProCollect, Inc. (FL)

I have recently been informed that I have a collection notice that is affecting my credit report. The collector is listed as Procollect , inc and I have been informed that they are collecting debt from 2019 for an apartment complex I used to live at. Their information is : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX I was never notified of this debt by the apartment complex or Procollect. I recently called Procollect to attempt to resolve the situation. I have been told that The XXXX attempted to charge me for damages by another roommate. The XXXX leased directly to this roommate on a separate lease from mine. The roommate 's dog damaged a couch and some of the paint in the house. I believe that he refused to pay them for the damages. I recall them contacting a third roommate and attempting to hold him accountable for the debt. I was never contacted in this dispute but apparently, the apartment has tried to impose the debt onto me. I moved out of the apartment in XX/XX/year>. 

I have attached the last notice I received from XXXX  XXXX showing a XXXX balance on my account. I called the apartment complex and they have no record of the debt as ownership has changed.
Consumer complaint received 2023-10-17
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. (GA)

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. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 2018-09-28
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: I.Q. DATA INTERNATIONAL, INC. (TX)

I Contacted IQ Data to follow on a validation letter signed by my client to validate a debt requested on XX/XX/2018. The letter is attached with this complaint showing a fax confirmation of our request to their fax number on their letter head in response to our first request which was not completely done but only a statement from the original creditor which also was not a break down of fees or charges, from them or the creditor. 

I called on XX/XX/2018 and spoke with an account representative about XXXX and XXXX being deleted from my clients credit reports but XXXX was still being reported. 

I had asked why they still were reporting to XXXX? First the rep told me that it was outside their statute of limitations. I then asked if thats the case, why then are you still reporting it to XXXX? This representative seemed very confused and placed me on hold. 

A supervisor by the name of XXXX XXXX got on the phone and told me that your client has sent us a cease & desist letter, and we can not discuss this debt with you or him. I disagreed to her response and said that is not true. I have the letters in front of me. Our last letter was dated for XX/XX/2018 asking you for the missing information that we never got in my clients letter dated from XX/XX/2018. I see you guys are not validating the debt or sending any response to my clients request which they said they received. XXXX XXXX said my client has sent them a cease & desist letter which is not accurate. The last letter which is attached clearly states if they did not respond to my clients request that they are willfully in " Admission of Silence '' by not responding and my client will use that in his defense. After telling Mrs. XXXX this, she started yelling at me and asking me if I was an attorney and I clearly said no, but Im my clients agent with a POA on file with you as a licensed credit repair business. Mrs. XXXX would talk over me and not allow to pursue my clients request in disputing the debt and requesting a fair validation request or respond to our second request. Still the validation request has not answered in a timely manor. My client feels they have violated his Fair Credit reporting rights.Its now been 30 days as today writing his validation. 

Please see both letters attached- POA ( Notarized ) Fax confirmation for XX/XX/2018
Consumer complaint received 2022-05-31
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. (AZ)

Fraudulent inquires reporting on my credit, that I do not apply for. 

XXXX XXXX - XXXX XXXX 2022 XXXX XXXX XXXX - XXXX XXXX 2022