davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (MI)

A few days ago Nelnet reported a remark to the credit bureaus regarding an account that was paid in XXXX of this year. How can they remark on a closed account? First they reported incorrect information on my credit report about the payments I made and the amount of time they were supposedly late. I have proof that I made payments and that the amount I paid was more than what they listed on my credit report.
Consumer complaint received 2019-07-31
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. (TX)

XXXX  and Transunion are incorrectly reporting me as an Authorized User on the XXXX/XXXX  partial account number XXXX. ( Please see pages23 and 24 of the attached credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX, however XXXX and Transunion have not removed this from my credit report. I have contacted the bureaus to fix this issue however, I have not been successful. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.
Consumer complaint received 2019-06-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (RI)

I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX
Consumer complaint received 2023-06-27
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. (NC)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-02-10
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. (PA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian was XX/XX/2021, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/2021
Consumer complaint received 2023-02-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (TX)

XX/XX/XXXX To whom it may concern : I need assistance from your agency. 

On my Equifax credit report, a collection agency by the name of XXXX XXXX XXXX XXXX, has placed a fraudulent {$64.00} medical collection onto my credit file. 

This collector did not verify this debt prior to ruining my name, and credit rating with this debt that is not mine and has never been mine. 

I do not owe this fraudulent debt, and I want it immediately removed from all of my credit files, from all of the credit bureaus. 

About 8 years ago this collector did this same thing through Equifax, they placed medical debts onto my credit files of a deceased person that I do not know, nor have I ever known. 

This collector has placed medical collections onto my credit files, for a deceased person by the name of XXXX XXXX, along with addresses that I do not know, nor have I ever lived at. 

They have had Equifax, along with the other credit bureaus to add a XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, to my credit file. 

I have never lived at this address, nor do I know anyone there. 
I want this fraudulent address information removed from all of my credit files, as well as the medical collection that I do not owe, and is not mine. 
. 
On top of damaging my credit rating with a debt that isnt mine, this collection agency is breaking Texas statute of limitations law. 

The collector claims that this debt from whomever, became delinquent in XXXX, then they report it onto my credit files in XXXX of XXXX, a 6-year-old medical debt, violating Texas law. 

As previously stated, I want this fraudulent medical collection, as well as the fraudulent address information removed from ALL of my credit files with all of the credit bureaus, and I want hard copy written proof that that has been done. 

Equifax has to do better ; they have allowed this collector to wrongfully ruin my credit in the past. 


cc : Attorney Generals Office cc : The Federal Trade Commission
Consumer complaint received 2022-02-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (UT)

Freedoms Mortgage is the company.

I have an escrow account attached to my monthly bill. Last year the escrow was short, so they increased the monthly amount. 
I called on XX/XX/22 and discussed this, saying I could add the remaining balance to my escrow, and that I could then keep my monthly postmen, and to call back on XX/XX/22 to confirm. 
I called back and was told an escrow review would need to be done before the payment can officially be changed back, and to call on XX/XX/22 for an update on the results of the review. I called on XX/XX/22 and told the review was submitted, but never followed through, and it would take 4 business days. 

I called today XX/XX/22 as instructed, and was told the increased monthly bill can not be changed, even though I paid the balance on the escrow ( which was verified ). 
I was told there is nothing I can do, there is no way to get my payment lowered. 

I am frustrated, at the end of the year, my escrow account will be over the allowed limit, and they will have to refund me money, and probably increase my payment again. 

I am just trying to keep my monthly payment the same as it was..
Consumer complaint received 2022-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This will be my last Complaint to inform the Credit Reporting Agencies that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) the Credit Reporting Agencies are required to remove any ITEMS which were opened without my knowledge, consent or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer ; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. If the Credit Bureaus do not comply with the requests, it leaves me no choice but to pursue legal action. I need the following items deleted as soon as possible : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-10-10
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. (AZ)

I was denied a motorcycle because of there false statements they stated to the agency. I then lost a job because of no transportation and lost a few pounds under all the stress that came from this. I ask for {$500000.00} dollars for my family pain and suffering.
Consumer complaint received 2022-10-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (WA)

I have been a XXXX employee for over 10 years with one year-long break in XXXX working at a state agency. In XX/XX/2022, I twice faxed my Public Service Loan Forgiveness paperwork to Federal Student Aid per their instruction. Despite having both confirmation sheets that the faxes went through ( note we were not allowed to scan and email the signed PSLF paperwork ), I was told my paperwork was never received. 

A few months later, Mohela took over servicing all Public Service Loan Forgiveness applications. I have twice received paperwork stating I am not eligible for PSLF because when I consolidated all of my loans, it appears that I have only made 2 payments total ( despite having made over 120 qualifying payments under President Biden 's loan forgiveness program that allows any type of payment up until XX/XX/2022 ). 

In calling Mohela in XXXX, they said my account would be updated by the beginning of XXXX to reflect the accurate number of payments. It is now almost mid XXXX and my account still shows that I am ineligible. Instructions on Mohela send me back to Federal Student Aid to check how many eligible payments I have but when I enter my employer ID, it says I do not have 120 qualifying payments and will not allow me to advance beyond that point ( unless I confirm that I do not have 120 qualifying payments which I refuse to do ). 

I have since downloaded my history of loan payments to XXXX and the Department of Education ( XXXX ) in the hopes this will be sufficient 'proof ' but am not sure what else to do. I am in a perpetual loop of being shuffled between these 2 incompetent organizations and fear that if I do not get a lawyer to sort this out, I will not have my XXXX in loans forgiven despite 10+ years working on some of the toughest issues the Department of Defense is facing. I have a XXXX and can not figure out this process despite putting all communications in writing and contacting each organization multiple times. I am out of options and know my loans will resume in a few months. Besides contacting the XXXXXXXX XXXX is there anything else I can do?
Consumer complaint received 2019-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

Experian To Whom it May Concern, Upon doing a recent review of my credit report. Ive noticed that their are inaccuracies with the Department of Education. XXXX   account number ( XXXX ) and account number ( XXXX ) ( XXXX ) has Discrepancy in the balance, account number, date open, date closed, account rating, creditor type, payment status, last payment, account type, payment frequency. Not to mention the inaccuracy of the payment history. Please also tell me how an account can be current if the account is closed. 

XXXX XXXX and XXXX are reporting different from what you are reporting. If this is the same account being reported by the same creditor, how are these numbers and other verbiage different? 

Because of this apparent neglect, and ensuring that everything on my account is accurate, consistent and up to date. Please delete this account immediately because of the negligence from the original creditor to the credit bureau and in inaccurate information that is supplied. 

I have enclosed a screenshot for your viewing pleasure. Please see all of the highlighted sections that I have outlined for you. 

Thank You XXXX XXXX
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2023-07-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Debt Recovery Solutions, LLC (TX)

On today XX/XX/XXXX I received an alert from my credit monitoring system that a collections account was added to my report. When checking I see the credit bureaus has added an account that I was never notified about on my credit report that has now dropped my score. I've never heard of this company at all and know that they do not have the right to add anything to anyone 's credit when they have not sent out a letter to notify me about this debt not giving time to request verification of this debt also not knowing if this company is even bonded in the state of Texas to practice debt collection. This was intentionally placed as a sneak attack and this company should be fined.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2022-10-11
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and 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 the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX  XXXX Balance : {$4400.00} ; XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX  XXXX XXXX  ) XXXX Balance : {$1000.00} ; XXXX XXXX Balance : {$370.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$730.00} ; XXXX XXXX  XXXX Balance : {$770.00} ; XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX Balance : {$820.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO 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 an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-10-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services (WI)

Original Email to Edfinanical Customer Service dated XX/XX/XXXX " In light of recent decisions by the white house, I would like request a refund on several payments made since XX/XX/XXXX. 

Payments I would like a refund on are below with the dates they were processed and payment total. The refund and remainder I have left to pay will equal the forgiven amount of {$10000.00}. 

XX/XX/XXXX = {$520.00} XX/XX/XXXX = {$520.00} XX/XX/XXXX = {$520.00} XX/XX/XXXX = {$520.00} XX/XX/XXXX = {$500.00} XX/XX/XXXX = {$500.00} XX/XX/XXXX = {$600.00} XX/XX/XXXX = {$500.00} XX/XX/XXXX = {$500.00} XX/XX/XXXX = {$500.00} XX/XX/XXXX = {$600.00} XX/XX/XXXX = {$600.00} XX/XX/XXXX = {$600.00} XX/XX/XXXX = {$700.00} XX/XX/XXXX = {$600.00} XX/XX/XXXX = {$400.00} XX/XX/XXXX = {$400.00} XX/XX/XXXX = {$400.00} '' I received the response below on XX/XX/XXXX " Thank you for contacting Edfinancial Services. 

We have received your request and have submitted it for processing. Please note, all refunds will be processed according to the U.S. Department of Education 's timeline for the discharge program. We appreciate your patience. '' Since that response it has been over a month and I have heard nothing from them. The refund has not been issued to my bank account and the amount on my Edfinanical account does not reflect the refund I requested. The fact that I have received no other information is alarming and I would like the issue refunded as soon as possible. There is no reason someone should have to wait this long for a refund to be issued.
Consumer complaint received 2024-03-07
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. (NJ)

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 u.s.c 1681.. 
Account name... XXXX... Account number # XXXX... Account Name... 
XXXX ... Account Number # XXXX ... Account Name.. XXXX XXXX XXXX... Account # XXXX ... Account Name ... 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.

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 1681 c. ( A ) ( 5 ) section state : 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 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate..
Consumer complaint received 2019-04-12
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

After sending information to verify myself with my disputes by means of a Credit Repair Organization ( XX/XX/2019 ), XXXX & Experian have failed to respond to the following issues on my credit report. They have violated the FCRA in that it has been more than 30-days. Please see items below ACCOUNTS XXXX XXXX XXXX never late XXXX XXXX XXXX inaccurate XXXX XXXX XXXX {$94.00} not mine XXXX XXXX not mine XXXX XXXX not mine
Consumer complaint received 2022-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Please refer to previous CFPB report number XXXX letter attached. I contacted the Credit bureau XXXX to advised that my report was inaccurateXXXX XXXX  shows XXXX effective as of XX/XX/XXXX this account was opened in XXXX and charged off on XX/XX/XXXX as reflected in their response in this letter. All bureaus were notified along with CFPB however inaccurate information is currently being reported.
Consumer complaint received 2019-06-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

I currently have a fifth third secure credit card. I couldnt enroll in auto payment online so I applied via mail. I sumbitted my first form of auto payments during the beginning of XXXX and still havent gotten auto payments yet and its already mid late XXXX. I didnt want to get charged a late fee so i called towards the end of XXXX to reassure if I was already enrolled in auto payments yet and the customer service reassured me i was already enroll and that it will withdraw from my bank account on XXXX XXXX so I didnt have to set up a payment. XXXX XXXX comes around and i recieved a call stating i have missed a payment and charged a fee. I called up to fifth third customer service and the lady told me i was not enroll onto auto and that she couldnt help with my problem so she gave me a number to call back to see way i wasnt enrolled in auto payment. I do not recommend this credit card or bank at all very unprofessional and do not value you as a customer.