davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

I applied for a loan with my bank and find out that there has been a freeze or fraud alert put on my accounts with experian and equifax. I contacted both reporting agencies and they said the I or another credit reporting agency requested to have this fraud alert placed on my credit and they refuse to remove it without sending a complicated letter including tremendous amounts of information making it extra difficult for myself to access my credit. Why they do this I am not sure but from my research this is happening to alot of people. 
Really all I want is the freeze or fraud alert removed from my experian and equifax credit reports. 


Thank you XXXX XXXX Safety Engineer XXXX
Consumer complaint received 2018-05-25
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. (IL)

XXXX account was cancelled and the company never closed account and kept billing me for service that was cancelled and not used. 

XXXX and XXXX, account paid and still reporting delinquent
Consumer complaint received 2018-11-28
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. (IL)

I have a public record entry that was placed on my credit report and I have been trying for over 5 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 4th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 3 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a XXXX XXXX, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. XXXX refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this bankruptcy is mine.
Consumer complaint received 2022-02-16
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 (KS)

Within the realms of the Public Service Loan Forgiveness program, it was expanded to include different options to help people in Public Service have loans forgiven. Once a loan has received XXXX payments then that loan is forgiven. One of new options of the program, is the ability to consolidate new ( er ) loans with older loans. Once these loans are consolidated, the new loans will have the same payment counts as the old loans. 

I am currently in school and am scheduled to graduate in XXXX ( 2022 ). I have student loans that go back to XXXX obviously have a high payment count. My plan was to consolidate my loans upon graduation with my older loans to take advantage of the new rules in place. This would bring up my new loan payment counts current with my old loan payment counts. 

I called FedLoan on XXXX XXXX to discuss this matter as well as others. I expressed my concern about the older loans being forgiven and how I didn't want that to occur. They noted my concern. 

I called FedLoan on XXXX XXXX to express this concern specifically and to ensure that the forgiveness didn't happen to my older loans. Further, I asked what could be done to prevent this. A " case file '' was going to be opened and I was told that I would be contacted within 24-48 business hours. 

XX/XX/XXXX, those older loans, the ones that I specifically asked not to be forgiven and what steps I need to take to prevent them being forgiven were .... Forgiven. 
I called FedLoan Ombudsman immediately upon finding this out to complain and see what my options were. He ( the guy I talked to was named XXXX XXXX stated that he would send his supervisor an email to see what my options were. XXXX stated that he would return my call ASAP and I never heard back from him. 
XX/XX/XXXX - XXXX called back immediately, and ironically talked to XXXX again. He stated that he sent the complaint up to his supervisor, and read me the response. The response indicated that the loans probably couldn't be reinstated, but they still have a balance on them. He said I could continue to escalate the issue if I wanted. I did, and he was going to transfer me to his superiors. He was unable to transfer me because no one was answering when he tried to transfer me over. He then gave me an extension and told me to call the main line, which I tried- but is notorious for long waits. In the past I've waited 3 hours on hold and never got through. I hung up after 40 minutes this AM. 

Side note - I also asked for a copy of the email that was sent from XXXX to his supervisor and the response that was sent back to XXXX. I was told that I couldn't have a copy of it.
Consumer complaint received 2019-11-18
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)

I have disputed this debt with credit bureaus numerous times and requested proof of investigation. The credit bureau respond that they have investigated, however offer no proof that the debt that I dispute is accurate. I do not nor have I ever done business with XXXX XXXX, however they are listing a debt on my credit report that I have disputed several times.
Consumer complaint received 2018-11-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (LA)

Creditor is reporting accounts that are invalid and unverified. Equifax have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
Consumer complaint received 2023-03-28
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. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : XXXX XXXX XXXX Balance : {$790.00} XXXX XXXX XXXX Balance {$100.00} XXXX XXXX XXXX XXXX XXXX Balance : {$790.00} XXXX XXXX XXXX XXXX Balance : {$1700.00}
Consumer complaint received 2022-02-16
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: Experian Information Solutions Inc. (TX)

I am XXXX XXXX on XX/XX/2022 I disputed an account reported by XXXX XXXX  in the file you maintain under my Social Security number. I was informed on XX/XX/2022 that the item was deleted from my credit report. Now I have discovered that the item has been reinserted on my credit report.
Consumer complaint received 2022-02-16
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. (TX)

I am XXXX XXXX on XX/XX/2022 I disputed an account reported by DPT EDXXXX in the file you maintain under my Social Security number. I was informed on XX/XX/2022 that the item was deleted from my credit report. Now I have discovered that the item has been reinserted on my credit report.
Consumer complaint received 2023-03-28
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. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. XXXX and Transunion must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. The item needs to investigate and correct for erroneous reporting in my file and is listed on my credit report. Please correct the status of the account below : XXXX XXXX XXXX XXXX Balance : XXXX XXXX
Consumer complaint received 2022-04-06
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)

PLease take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2018-11-28
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CL Holdings LLC (CA)

I HAD RECIVED A COLLECTION NOTICE DATED XX/XX/2018 FROM XXXX XXXX XXXX XXXX, FOR THE AMOUNT OF {$1200.00} AND IS OFFERING A HALF PRICE TO SETTLE WITH THEM. 

I DO NOT RECONIZED SUCH OUTSTANDING DEBT. 

WHEN I CALLED THE COLLECTOR, A LADY FROM XXXX PICK UP FROM THE OTHER END KNOWS MY NAME AND STARS TO ASK PERSONAL DATA FROM ME. AFTER I CONFRONTED HER I DO NOT RECOGNIZE SUCH ACCUSATION AND THAT I WILL ALSO MAKE A COMPLAINT TO FDCPA, THE LADY THEN CHANGE HER STORY AND JUST HUNG UP.
Consumer complaint received 2023-03-28
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, Transunion, and XXXX keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

*According to 15 USC 1681 ( 5 ) XXXX XXXX Transunion XXXX and XXXX have to modify or delete accounts that are not reporting accurately *According to 15 USC 1681b ( 1 ) XXXX, Transunion, and XXXX don't have no written premission *According to XXXX XXXX XXXX I have the right to privacy *According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( it ) the information is, in fact, inaccurate. 

I can go on and on XXXX, Transunion, and XXXX have no respect for the laws. 

Someone needs to hold them accountable for this
Consumer complaint received 2021-04-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (VA)

XXXX XXXX collections XXXX date of service XX/XX/2021. I have not opened any account with XXXX XXXX. I tried to contact compsny which was unable to give me any imformation. Filed dispute. My credit score had come down due to this. XXXX collections have added this amount. Called XXXX XXXX. No knowledge of me. I need this solved as soon as possible. They are crooks. I was on the phone waiting for someone to answer for 40 minutes so evidently they are doing fraudulent activity to collecg from people who do not owe. I have no knowledge of account.
Consumer complaint received 2024-05-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC. (OH)

SoFi froze my checking account t two days ago without notice or reason. They were not able to provide a reason why when I called them. They eventually called me today and said it had been unfrozen, but still did not provide a reason.
Consumer complaint received 2022-02-16
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. (NY)

I disputed a Bankruptcy account that's inaccurate. Equifax came back claiming it was verified with XXXX. The furnisher of this account is XXXX court house where I sent a letter to. There response is enclosed. I will also send the verification letter from equifax as to how they verified. Even after a ton of proof I sent to them they continue to violate my rights. I want this account removed for deformation of character and for lieing about have it verified by the furnisher. Thank you. Evidence is enclosed
Consumer complaint received 2018-05-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I got a pre-approved offer in the mail from Capitalone, so I applied for the card and got approved. A few weeks after my card arrived, I got a letter from Caopitalone informing me that they are closing my account baecause '' Principal owner ( s ) have past, present or pending legal action ''. Closing my account and checking my credit report have both caused my credit score to drop as a result. This is not the first time this company has done that to me, last year the same scenario happened but that time it was a secured credit card and this time this is an unsecured card. By receiving a pre-approved offer I thought that the company has done their research and found me creditworthy to receive their card, but just to turn around and close my account a few weeks after is rather peculiar. Their actions both times have caused my credit score to drop and now I have two closed accounts on my credit report that further damages my credit score and my ability to better myself financialy.
Consumer complaint received 2019-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NV)

When I requested my annual free credit report, I submitted appropriate documents INCLUDING a copy of a LEGAL NAME CHANGE. I have since received 2 letters from Equifax requiring that I submit the documentation already submitted AND, despite faxing a request that they UPDATE my name in accordance with that documentation, They refuse to do so. I have prepared a response to the most recent letter and I have that available as a PDF document along with proof of my identity including a copy of the NAME CHANGE ORDER. 
I find their refusal to correct my name in accordance with proper proofs to be insulting and possibly discriminatory as I am a XXXX female and they insist on retaining my DEAD NAME.
Consumer complaint received 2018-05-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Bureau Services, Inc. (MT)

I never got all the bills when i did i paid has fast has i could. i paid the bill in full the collection bureau services inc. XXXX XXXX . claims i did not pay fast enough so they claim i have to pay over 1.000.00 in interest fees on a XXXX doctors bill. I filed a dispute no one paid attention I even offer to pay good will payment till we got it cleared up they just took all my money out of my bank account left me whit o taking all my food money gas money and my house payment they are not to take every cent from someone fair dept collection practice act 808. c15 usc 169zf or 2f thank you i will call them monday and ask for my money back so i have some food thank you.
Consumer complaint received 2018-11-28
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. (IL)

I have a public record entry that was placed on my credit report and I have been trying for over 5 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 4th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 3 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a XXXX XXXX, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX  back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. XXXX  refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this bankruptcy is mine.
Consumer complaint received 2022-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

XX/XX/2022, I received information about my credit score dropped XXXX points, thru TransUnion. I attempt to login to my TransUnion account to find out if another fraud debt was posted to my account would be the reason for my score to drop. 
I couldnt login to my TransUnionaccount to confirm my suspicion. I called TransUnion 6-10 times to reset my password, it was denied each time. At one point a representative gave me this number to call to report fraud XXXX XXXX XXXX, fake number. The representatives offered no explanation or solution. Now Im concerned TransUnion is allowing fraud debt claims to post on my credit report and I cant dispute it.
Consumer complaint received 2018-11-28
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. (IN)

have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX, Transunion and XXXX verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a XXXX XXXX, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.