davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-15
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. (GA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights and confenditiality under 15 USC 1681. 
Account # XXXX, and Account # XXXX has violated my rights. 

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

15 US.C. 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish account without my written instructions. 

15 U.S.C 1681C. ( a ) ( 5 ) Section States no consumer 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 reporting agency if the person knows or has reasonable cause to believe that the inforamation is inaccurate.
Consumer complaint received 2022-01-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (IL)

I consolidated my FFEL loans with FedLoan to qualify for public service loan forgiveness. I submitted my app on XX/XX/21 with receipt confirmation on XX/XX/21. Since then I've heard nothing. My employe4 hasn't even been certified. Try to call them and you are spending a minimum of an hour on hold. Once I spent close to XXXX  hours on hold, someone answered then hung up on me. Then they tell you they have no information and continue waiting. I've sent multiple emails to customer service with no response other than the autogenerated email receipt. This is disgusting
Consumer complaint received 2021-05-17
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. (VA)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items.
Consumer complaint received 2021-05-17
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. (TX)

I AM A VICTIM OF IDENTITY THEFT. AFTER SPEAKING WITH THE POLICE I SENT IN A LETTER WITH AN IDENTITY THEFT AFFIDAVIT ALONG WITH 3 FORMS OF IDENTIFICATION TO EQUIFAX ON XX/XX/2021. I sent the letter over 30 days ago but I STILL DONT HAVE A RESPONSE FROM EQUIFAX. EQUIFAX CONTINUES TO REPORT THESE FRAUDULENT ACCOUNTS IN VIOLATION OF THE FCRA LAWS. I WOULD LOVE FOR EQUIFAX TO COMPLY AND CEASE TO REPORT ACCOUNTS ON MY PROFILE THAT WERE OPEN BY THE THEFT AND NOT ME.
Consumer complaint received 2019-07-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MD)

The problem I am having with Navient is that they are failing to correctly allocate payments to my student loan. I have three students loans with Navient ; a privet and two Federal that are consolidated. My problem is with the Federal loan.  Since XXXX I have been doing over payments to the Federal loan portion that has the lowest outstanding principal. As of XXXX statement, my outstanding balance for the loan was {$2400.00}. After making the over payment for XXXX, when I verify the statement, the outstanding balance increased to {$4200.00}. I've called Navient several times ( XX/XX/2010, XXXX, and XX/XX/XXXX XXXX to get an explanation of what happen and to fix the problem. Their customer service people were not helpful. At least I found out that all the over payments I did, after been apply to the correct loan ( per my instructions in my profile setting ) where reverted and apply to the loan portion with the highest outstanding balance. I want for Navient to follow correctly my over payment instructions. I still have a long way to pay my student loans, I don't want to deal with Navient 's purposely confusing and misleading information. Their practice are deceptive at best and fraudulent at worst.
Consumer complaint received 2022-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am a victim of identity theft, and this is my official notice that I've been a victim of a crime. The Fair Credit Reporting Act ( FCRA ) Section 605B offers identity theft victims with critical protections that can help them recover more swiftly. An Identity Theft Report can be used to permanently remove fraudulent information resulting from identity theft, such as accounts or addresses, from a victim 's credit report under the FCRA 's sections 605B, 615 ( f ), and 623 ( a ) ( 6 ). 

I have tried to contact this company a number of time, it still continues to report the fraudulent accounts in my credit report. Below are the fraudulent accounts of my concern : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy Reference # : XXXX I am attaching my previous dispute letter that I had sent them including a fully signed FTC report document for your analysis and review
Consumer complaint received 2017-06-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (IL)

This company refuses to acknowledge dozens of emails to the billing disputes department or faxes to the billing disputes department. Every time I chat with them on their site, they give me the same message, that I need to fax or email, yet this leads no where. Here are the charges I have disputed at least a dozen times : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX {$91.00} XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3300.00} I was attending XXXX school at this time, but I XXXX in XXXX, and finished all of my coursework including my internship  prior to the date these charges were made and I can prove this. I contacted the XXXX school  when the inadvertently processed these charges and was told because the payments go through a third party processor to contact my bank and they would successfully dispute the charges for me since I could prove I was not in school at that time. This company has made a difficult situation, worse. This is a lot of money for me as a new XXXX student, and I was offered XXXX interest for a year but now they are going to start tacking on an interest fee and I can not afford this. Here is my card number XXXX. This is fraud on my account and has been reported to the Fraud Department as well, but again, they refuse to reply or help. I am a XXXX person as well and have been fully XXXX for 15 years. This is discrimination on top of just terrible customer service and treatment of a client. Please help. Sincerely, XXXX
Consumer complaint received 2022-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I have requested this company several times to update my payment history. They are currently reporting an account that was paid for and closed and PAID AS AGREED wrongly. They are reporting across the 3 major reporting agencies the history of late payments, there is a complete inconsistency in their reporting across all three. I have also contacted the reporting agencies to deal with this situation. Their lack of proper and accurate reporting is deteriorating my " creditworthiness '' and stopping me from getting credit extended to me, affecting my financial and overall life. Pursuant to 15 USC 1666b a creditor may not treat a payment on a credit card account as late for any purpose. 
Furthermore, pursuant to 15 USC 1681a- ( e ) factual information SHALL NOT be included on a consumer 's report.
Consumer complaint received 2022-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ALLY FINANCIAL INC. (FL)

I have requested this company several times to update my payment history. They are currently reporting an account that was paid for and closed and PAID AS AGREED wrongly. They are reporting across the 3 major reporting agencies the history of late payments, there is a complete inconsistency in their reporting across all three. I have also contacted the reporting agencies to deal with this situation. Their lack of proper and accurate reporting is deteriorating my " creditworthiness '' and stopping me from getting credit extended to me, affecting my financial and overall life. Pursuant to 15 USC 1666b a creditor may not treat a payment on a credit card account as late for any purpose.

Furthermore, pursuant to 15 USC 1681a- ( e ) factual information SHALL NOT be included on a consumer 's report.
Consumer complaint received 2022-01-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (NJ)

In XXXX, we were presented with the opportunity to consolidate my husbands student loans with mine, to reduce our monthly payment. Being that we were both XXXX, also going through grad school, with a XXXX, we thought this was a way to keep ourselves on track to eventually pay off our high student loans. We were in a situation where we had minimal income, a small family, and classes we still had to take to make a decent living wage as XXXX. We consolidated into a FFEL Spousal Consolidation Loan. Little did we know that by signing on that dotted line, that we would put ourselves forever in debt, with no possibility of receiving the Public Servant Loan Forgiveness available to XXXX  like ourselves. Once we conceded our loans to this now defunct program, we disqualified ourselves from many benefits other student loan holders have. Had we been told this, we never, ever would have committed to this. We have paid our loan religiously since then, and havent even taken a single dollar off the original principal value of the loan. We actually owe more now, over 15 years later, than we did the day we entered into the consolidation loan.
Consumer complaint received 2022-01-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC (GA)

On XX/XX/XXXX I mailed a certified letter to Calvary Portfolio Service requested an account on my credit report be removed or verified. On or around XX/XX/XXXX I received a response letter from Calvary stating that they are in response of my letter pursuant to the Fair Credit Report ACT on the referenced account and to accept their response letter as validation for the debt I am disputing. 

On or around XX/XX/XXXX I mailed a response letter via certified mail to Calvary Portfolio Service requesting detailed information regarding the validation of the debt and again to remove the debt from my credit report if they can not provide the proper information. To this date ( XX/XX/XXXX ) Calvary Portfolio Service has continuously failed to validate the debt as requested. 

On or around XX/XX/XXXX I received via USPS documents from the State Court of Henry County regarding a civil action filed on the behalf of Calvary Portfolio Service. This Civil action has been filed to garnish my wages from a company that I am not affiliated with and have never been employed by. Despite Calvary Portfolio Service not providing any information regarding debt validation they are pursuing legal action against myself and a small business owner on the basis of a un-validated debt.

Calvary Portfolio Service is using bullying tactics to force me to pay a debt that they are unwilling to validate. Additionally, Calvary Portfolio Service has seeked out fictitious information regarding a small business owner that I am not affiliated with and has not employeed me. Furthermore Calvary Portfolio Service 's failure to remove this in-valid debt is severly damaging my credit score.
Consumer complaint received 2023-03-08
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)

I am XXXX XXXX and I am submitting this complaint and there is no third party involved. ThESE accounts are inaccurately and erroneous reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedback about this concern, and I requested a complete payment history of these accounts for me to review the exact date on which the collection was posted. There was definitely an error on their part. The bureaus are condoning illegal behaviour and willfully in the violation of FCRA. REMOVE IT FROM MY REPORT IMMEDIATELY. 
INQUIRIES : XX/XX/XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XX/XX/XXXX Inquiry Date XX/XX/XXXX, XX/XX/XXXX XXXX Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XX/XX/XXXX Inquiry Date XX/XX/XXXX,XX/XX/XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XX/XX/XXXXXXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XX/XX/XXXXXXXX Inquiry XXXX XX/XX/XXXX XXXX XX/XX/XXXXInquiry Date XX/XX/XXXX, XX/XX/XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXXInquiry Date XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XX/XX/XXXXXX/XX/XXXX Inquiry Date XX/XX/XXXX, XXXXXX/XX/XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXX Inquiry XXXX XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XX/XX/XXXX Inquiry Date XX/XX/XXXX, XX/XX/XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XX/XX/XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XX/XX/XXXX Inquiry Date XX/XX/XXXX, XX/XX/XXXX Inquiry Date XX/XX/XXXX, XX/XX/XXXXInquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX.
Consumer complaint received 2021-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AK)

I ran an Equifax Credit Report and it showed that I have 10 loans out in my name : XXXX XXXX XXXX. I never took out any reports. They are all fraudulent loans that I did not take out for myself or anybody else. Please investigate this Identity Theft or Fraud on my Credit Report and find out who is illegally applying for loans using my name. Please inform me of what I need to do to remedy the situation.
Consumer complaint received 2017-06-26
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Pressler & Pressler, LLP (NJ)

I tried to tell Pressler & Pressler that XXXX credit card was opened fraudulently. They did n't bother to help me in any way. They obviously do n't take identity theft very seriously. They 're garnishing my pay check for {$2100.00}. It 's unfair that I have to suffer because this identity theft.
Consumer complaint received 2017-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have disputed multiple credit inquires on my report with the credit bureau multiple times and I am just not getting anywhere. I have spoken to all XXXX of the credit bureaus and to this day no one will assist me. I am disputing the following inquires as I previously have. I have no knowledge and did not authorize these inquires to my credit. I also have a fraud alert in my account and have had XXXX placed multiple times in the last year or so. I did not authorize the following inquires toy credit and have no knowledge of them : XXXX XXXX : XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX  XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX & XXXX/XXXX/XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX & XXXX, XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX
Consumer complaint received 2022-09-28
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: EQUIFAX, INC. (MO)

I have been submitting multiple letters and countless CFPB Complaints requesting that the Equifax Credit Bureau remove the disputed unauthorized inquiries that are reporting on my Credit File. These inquiries were never authorized and I never allowed anyone to use my personal information to inquire anything on the date shown by these inquiries. Under the FCRA section 605b, I am requesting that the Equifax Credit Bureau remove the disputed unauthorized inquiries completely from my Credit report. Im attaching the required FTC Report for Equifax and the bank 's records. Please remove these files. If Equifax feel there is a possibility these inquiries belong to me I will require all documentation that bears my signature. If Equifax Credit Bureau do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly. Please remove the following Items : XXXX XXXX XXXX XXXX, MO XXXX XXXX  date of inquiry XX/XX/202XXXX XXXX date of inquiry XX/XX/2021
Consumer complaint received 2022-01-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

i already contacted the company in XX/XX/XXXX, on the XX/XX/XXXX that's my second time i'm trying to contact the company.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I sent a letter on ( insert date letter was sent to bureaus ) to remove ( personal information, address, accounts name & account Number ) that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous Complaint # & I am including it again.,
Consumer complaint received 2021-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Grant Mercantile Agency (CA)

Apparently I got charged for an ambulance from Grant Mercantile which they did not sent the bill to my home address, to find out from my credit score that I have a closed account. I contacted the hospital and talked with a guy and a lady both on different dates for not mailing me the bill. They say a lot of things that sound useful and helpful but is sad because is not true. I need to help to get the bill send to my address please. Thank you!
Consumer complaint received 2021-05-17
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. (SC)

I submitted a dispute with the credit bureaus on XX/XX/XXXX in regards to unauthorized, inaccurate, and fraudulent accounts on my credit report. I havent received a response or status on the investigation in the past 30 days! This is unacceptable and in violation with the FCRA. The credit bureaus are in violation of Section 623 of the FCRA and Regulation V that states furnisher must not furnish inaccurate consumer information to a CRA, and that furnishers must investigate a consumer 's dispute that the furnished information is inaccurate or incomplete. I will bring this matter to the attention of the better business bureau and the office of attorney general of SC. Ive been affect by the XXXX Equifax data breach and XXXX XXXX data breach. Someone is using my identity to do things I have not authorized or the credit bureaus is reporting another person information on my credit profile. I am the original creditor, only I can validate these accounts. I do not validate these accounts. Therefore, the following accounts must be deleted from my report. I will seek litigation and {$1500.00} per violation for Defamation, Negligent Enablement of Identity Fraud, Violations of 15 U.S.C 1692g if these accounts are not deleted immediately off my credit report.