davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (WA)

I have had several problems with XXXX XXXX. Every year I have to submit my employment verification form several times in order to get it processed, even though I serve in the XXXX. I have also had trouble with deferment issues. I am currently enrolled in a Master 's program part-time and every semester XXXX automatically puts my account in deferment. I call and submit the deferment waiver form to be taken out of deferment because I am in the PSLF program and every month I am in deferment is a month that does not count towards PSLF. Every time I call and submit another deferment waiver form I get told that it takes time to process and that it will all be sorted out, but this seems to be a pattern with XXXX and I can not figure out why I keep getting put in automatic deferment when I have specifically requested to not be placed in deferment. Additionally, when I applied for PSLF, all of my loan where transferred from XXXX to XXXX. During this period I was unable to access my account to ensure my payments where being processed. I made several calls and every time I was told not to worry I would have access to my account " soon ''. By the time I got access XXXX informed that my loans where past due because I failed to pay on time. Then a year later they tell me because I had a late payment that my forbearance funds were being nullified and the interest was being added to my account. This only amounted to around 150 additional dollars but its about principal. This company has failed me and other customers at every turn. Furthermore, they seem to not care about the effect that their malfeasance has on borrowers. In fact, I seldom receive customer care that is not rude even borderline hostile when I call about my account. Including today XXXX XX/XX/XXXX, after waiting no less than 20 minutes on hold I was greet by XXXX, employee number XXXX, who could not have been more rude and insensitive about the fact that my account was being placed back in deferment and I was having to take time out of my duty day to attempt to correct this action again. I want to know when XXXX will be held accountable for their deceptive practices relating to deferment and public student loan forgiveness.
Consumer complaint received 2018-11-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Best Service Co.,Inc (NV)

Received a letter dated XX/XX/2018 offering a settlement on a debt for alleged over draft fees for a closed bank account. No notice of right to dispute on front or back of the letter. In addition has falsely reported the debt to XXXX as a delinquent credit account as well as that I have disputed the debt. The statement specifically states " the consumer disputes after resolution. '' This is direct violation of the FCRA as this is NOT a credit transaction and should not be on XXXX or any other bureau. I also have NEVER issued and dispute to the bureaus or The Best Service Company since receiving this letter.
Consumer complaint received 2018-11-16
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Orions Management Group, LLC (GA)

Someone by the name of XXXX XXXX contacted my job on XX/XX/2018 making claims he was verifying my employment. He then went on to threaten legal action against me on some account that was submitted to his office.
Consumer complaint received 2018-11-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY (TX)

I initiated a bank transfer in my wells Fargo online banking. I scheduled {$590.00} to be scheduled on XX/XX/2018 from my XXXX  account to be delivered by XX/XX/2018 to my Wells Fargo account. On XX/XX/2018 the funds of {$590.00} were withdrawn from my XXXX  bank account To be sent to my wellsfargo account. After several days, the Wells Fargo transaction status still stated pending the funds were never deposited into my Wells Fargo account. On XX/XX/XXXX, I called Wells Fargo to request to cancel the external transfer, because it was too delayed and The funds were never actually received by Wells Fargo. The transaction was confirmed and cancelled by a Wells Fargo rep. today is XX/XX/XXXX and the cancelled transfer of {$590.00} has never returned to my XXXX account. I contacted Wells Fargo and they stated there was nothing they could do, because the funds were never received by them and the transfer was cancelled several days ago. They told me to contact XXXX. I contacted XXXX, they said there was nothing they could do because they processed and sent the funds. No one is able to help me. XXXX confirmed that they have not received a notice from Wells Fargo regarding any returned transfer.
Consumer complaint received 2022-06-19
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: Experian Information Solutions Inc. (MI)

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, XXXX. XXXX, IN Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX AUTO, XXXX XXXX, has violated my rights. 

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

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

15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of the competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Consumer complaint received 2022-07-26
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. (AZ)

Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any account not later than 4 business days after the XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

This letter is to notify you if you do not BLOCK OR REMOVE the listed account on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXX - XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$17000.00}.
Consumer complaint received 2022-07-26
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldous & Associates, PLLC (FL)

XXXX XXXX XXXX XXXX XXXXXXXX ALDOUS AND ASSOCIATES XXXX XXXX XXXX XXXX XXXX UT XXXX Phone : ( XXXX ) XXXX This company claims that i owe them {$150.00} for services that i have not used or agreed to sign up for. I have received multiple phone calls even after i have asked them to stop. They have called from different phone numbers attempting to collect money. I expressed to the company that i do not even live in the area where they are claiming to be calling from. Please delete and remove this account from my credit report.
Consumer complaint received 2022-07-26
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. (VA)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX Account # XXXX has violated my rights. 
XXXXXXXX XXXX XXXX  Account # XXXX has violated my rights XXXX XXXX  Account # XXXX* has violated my rights XXXX Account # XXXXhas violated my rights XXXX XXXX XXXX XXXX Account # XXXXhas violated my rights XXXX Account # XXXXhas violated my rights XXXX XXXX Account # : XXXXhas violated my rights Bankruptcy Reference # : XXXX violated my rights DPT EDXXXX Account # : XXXX violated my rights DPT EDXXXX Account # : XXXXviolated my rights DPT EDXXXX Account # : XXXXviolated my rights DPT EDXXXX Account # : XXXXviolated my rights DPT EDXXXX Account # : XXXXviolated my rights DPT EDXXXX Account # : XXXXviolated my rights DPT EDXXXX Account # : XXXXviolated my rights 15 U.S.C 1681 section 602 A . States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 information is inaccurate.
Consumer complaint received 2023-03-22
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. (MA)

In accordance with the Fair Credit Reporting Act, the list of accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account name XXXX Account name XXXX XXXX XXXX Account name XXXX & XXXX Account XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX Account name XXXX XXXX XXXX Account name XXXX XXXX XXXX Account name XXXX XXXX  Account XXXX XXXX XXXX Account name XXXX Account XXXX XXXX XXXX Account name XXXX XXXX Account name XXXX XXXX Account name XXXX  Account name XXXX & XXXX Account name XXXX XXXX Account name XXXX XXXX  XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX Account name XXXX XXXX XXXX  XXXX  Account name XXXX XXXX  XXXX Account name XXXX XXXX Account Number : Account Name : XXXX XXXX XXXX  XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account XXXX : XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions .

15 U.S.C 1681c. ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crime 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 2022-07-26
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. (LA)

I sent a letter on XX/XX/2022 to remove : XXXX XXXX XXXX XXXX, LA XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXXXXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, LA XXXX ; XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX  XXXX Bankruptcy Reference # : XXXX Liability : {$0.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX Liability  : {$0.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX Liability : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$840.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00}, which are 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 these items or information not later than 4 business days after the XX/XX/2022. Ive already included this in my previous Complaint # XXXX ; XXXX ; XXXX & I am including it again.
Consumer complaint received 2022-07-26
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. (LA)

I forwarded a letter to the XXXX and TransUnion Credit Bureaus dated XX/XX/2022 to delete this suspicious information. I think you have not validated this account in agreement with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX ; XXXX, and I'm including it again : XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-03-22
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. (VA)

I received a dispute back from XXXX on XX/XX/XXXX. I have disputed to them about inquires that i do not recognize. They refused to remove it. The representative that refused to remove and we spoke on XX/XX/XXXX. I informed her that these inquires were not showing on other credit reports. I put a Fraud alert on my credit file do to Identity theft. I also stated the 15 US code1681 B. 
XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (GA)

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$910.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX
Consumer complaint received 2019-08-30
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Neon Newco Corporation (TX)

On XX/XX/XXXX at XXXX I received an alert by text from Netspend saying that my balance was {$5.00}. I immediately went online to XXXX to view my account. There was a atm withdrawal from an atm in XXXX tx at XXXX XXXX XXXX XXXX XXXX tx. I immediately called to report the fraudulent activity on my account and to have my card blocked. I told him that my card is in my possession and how is it that someone could withdraw money from my account without physically having my card. 
The representative provided me with an email to get a temporary credit until they complete their investigation that can take from anywhere of 10 days to 45days or even 90days. I  submitted the email and I have called back to netspend twice and they are telling me that I have to wait until XX/XX/XXXX to get an update and to see if I win my case or lose. I don't see how I would lose my case since I was not in XXXX, I was in my house which is 3 hrs away. I'm the victim, money was stolen from me. I should not have to go through this to get by money back. I also called XXXX the atm customer service to see if they could help and they said they could not.
Consumer complaint received 2018-11-16
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (WA)

On Thursday, XX/XX/2018 I received an alert from my credit monitoring service that my XXXX XXXX XXXX credit card was closed. No explanation was provided. I contacted XXXX XXXX on Friday, XX/XX/2018 requesting an explanation and was told by customer service and a supervisor that my credit card was closed due to inactivity. 

XXXX XXXX did not provide me with a letter or email informing me that my account would be closed if I did not use the card. Due to this long standing account being closed my credit score has dropped. The supervisor told me that I would have to re-apply that they could not re-open my account.
Consumer complaint received 2022-07-26
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. (NC)

This is my XXXX attempts to inform you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX Balance : {$770.00} XXXX Date of Inquiry XX/XX/2020
Consumer complaint received 2023-03-24
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 the items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting items as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-15
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 USC 1681. 

XXXX XXXX  - credit extension, review, or collection with account # XXXX opened on XX/XX/XXXX and a balance of {$620.00}. 

XXXX XXXXXXXX XXXX XXXX XXXX loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

XXXX XXXX XXXX Unsecured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

XXXX XXXX  - credit extension, review, or collection with account # XXXX opened on XX/XX/XXXX and a balance of {$530.00}. 

XXXX Charge account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$440.00}. The original creditor is XXXX XXXX XXXX XXXX 

Collection account from XXXX XXXX with account # XXXX and a balance of {$0.00}. The original creditor is XXXX XXXX. 

XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$9800.00}. 


-Please delete all of these account in my credit report cause it's reporting inaccurately and it's causing too much damage and it's giving me XXXX.
Consumer complaint received 2020-11-05
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (WA)

I sent a cease and desist letter to Columbia Debt Recovery DBA Genesis indicating that the debt was fraudulent and had not lived at the property for over three years. They continued to contact me after the face via email. They have threatened to use any information against me.
Consumer complaint received 2022-07-26
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. (GA)

I am a victim of identity theft! I am a real person this is not a credit reporting agency helping me I am a human being conducting this transaction personally there are XXXX accounts reporting in XXXX XXXX XXXX and Equifax that are fraudulent! Ive reached out to them directly Several times the past two years! As well as file complaints with the @ CFPB and the Federal Trade Commission Report Number XXXX : XXXX/Equifax/XXXX  have not reinvestigated my dispute nor removed/blocked or complied with the CFPb or the FTC. The last explanation that I got for them not investigating my dispute was they said and I quote we didnt Investigate that is because you maybe had a third-party prepare or help you!?
Consumer complaint received 2019-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (WA)

There is a negative collection record on my Equifax credit report. I have paid this off some time ago, but it still is on my report, plus the information on the credit report now for it is almost nonexistent : Account Name XXXX Original Creditor ( None provided )?? 
Open Date XX/XX/XXXX Balance ( None provided )?? 
Debt ( None provided )?? 
Contact Information ( None provided )?? 

The lack of information is causing problems with my credit report for buying a home. I need this removed from my Equifax credit report. I have contacted Equifax several times and they said they unable to remove because of the unavailable information, or they say they will research it and they do nothing. I have contacted them several time from XX/XX/XXXX to XX/XX/XXXX.
Consumer complaint received 2018-11-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have two hard inquiries on my credit report that I did not apply for any type of loan this is a mixed file of some sort please remove 1. XXXX XXXX XXXX from XX/XX/2017 2. XXXX XXXX Inquiry fromXX/XX/2017