davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-16
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. (GA)

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 the 3 credit bureaus are required by law to remove & block any items which is found to be opened 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 ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX : {$880.00}, XXXX XXXX XXXX : {$3000.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$230.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$610.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$500.00}.
Consumer complaint received 2022-08-16
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. (CA)

As a consumer I actually have protection under the law that is delivered for me to keep me from misinformation simply being declared on my credit report. At this moment I would like to have a final request for analysis before I talk with my own legal counsel to get information on how to handle incorrect and also unverifiable items that are on-going to be approved as real. 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 accounts below : XXXX XXXX XXXX Balance Owed : {$400.00} XXXX XXXX XXXX Balance Owed : {$42.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$88.00} XXXX XXXX Balance Owed : {$1600.00}
Consumer complaint received 2019-01-29
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Conduent Incorporated (OH)

On XX/XX/XXXX I discovered that someone had purchased {$500.00} off of my child support card through a company called XXXX. I called the customer service number on the back of my card, was transferred to the fraud department and a started a claim to get my childs money back. I closed the card and received a new one in the mail. I also received all of the fraud paperwork to fill out, which I did and sent back in. On XX/XX/XXXX they refunded my childs money back, saying that it was temporary until the investigation was over, which would take 45-90 days. On XX/XX/XXXX I noticed that they did a debt reversal and sent the {$500.00} back to the company. Ive called the number on the back of my card. Ive called XXXX XXXX, which is the bank that eppicard is through. Ive tried getting ahold of the company in charge of the fraud department, Us Direct Express. On the phone for over 5 hours on hold, and the only person I talked to was from XXXX XXXX  who told me that he talked to an agent with the fraud department eppicard uses who told him that I would only be on hold for 2 minutes, he transferred me and 30 minutes later I was still on hold. Ive even  tried getting ahold of the company that the purchases were made through, and the phone just rings and their live chat doesnt work. I just want this resolved.
Consumer complaint received 2022-08-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

As a consumer I actually have protection under the law that is delivered for me to keep me from misinformation simply being declared on my credit report. At this moment I would like to have a final request for analysis before I talk with my own legal counsel to get information on how to handle incorrect and also unverifiable items that are on-going to be approved as real. 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 accounts below : XXXX XXXX XXXX Balance Owed : {$400.00} XXXX  XXXX XXXX Balance Owed : {$42.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$88.00} XXXX  XXXX Balance Owed : {$1600.00}
Consumer complaint received 2023-11-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (CA)

I had a balance with cash app and it disappeared. I contacted cash app and they denied my dispute even though I had nothing to do with The disappearance of the balance in my account. in other words they just took my money deliberately. And there's nothing I can do about it they say.sincerely XXXX XXXX
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

ATTENTION, NOTICE IS HERE BY GIVEN : ON, XX/XX/2024 I, XXXX : XXXX XXXX XXXX XXXX Name : XXXX XXXX XXXX a AFFIDAVIT IN SUPPORT of DEFAULT Did participate as a third-party witness to your acquiescence assent Certain contractual obligations titled : DEBT VALIDATION along with supporting documentation affirming said acceptance acquiescence and assent. 

On ( XXXX ), ( SEE ATTACHED documents ), I submitted a request to XXXX XXXX XXXX Team and EQUIFAX for validation of a debt reporting on my consumer report. However, despite the legal obligation imposed by the FDCPA, I have not received any response or validation of the debt within the required time frame. ( more than XXXX ) here is my Certifed Mail Reciept # XXXX This failure to validate the debt constitutes a breach of your obligations under the FDCPA. As such, I am issuing this formal notice of default and providing you with an opportunity to cure this breach. 

To remedy this situation, I request that XXXX XXXX XXXX Team provide validation of the debt in question within ( XXXX business days ) from the date of this notice OR remove this account from my consumer report. This validation should include all relevant documentation and information pertaining to the debt, as required by the FDCPA. 
Failure to cure this default within the specified time frame may result in further action being taken to enforce my rights under the FDCPA, including seeking legal remedies available under the law. 
I trust that EQUIFAX SHALL treat this matter with the seriousness it deserves and take immediate steps to rectify the breach. Please acknowledge receipt of this notice and provide confirmation of your intentions to comply with my request for debt validation. 
Thank you for your attention to this matter.
Consumer complaint received 2023-08-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC. (MI)

I opened an online bank account with ALLY BANK. Yesterday ( XX/XX/XXXX  ), for some unknown reason, ALLY BANK has locked my account citing only " suspicious activity. '' I've called ALLY BANK 7 times asking why my account was locked and they will not tell me what this alleged " suspicious activity '' is or was. I asked them when my account will be unlocked and they said there is no time limit. 

I have never had this happen to me before. Can someone please advise me on what to do? This can not possibly be legal. They can not be able to just lock my account for no reason and with no time limit to fix it.
Consumer complaint received 2022-08-16
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. (NJ)

It has been brought to my attention that you are not blocking file when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following item listed below which is reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block the following account as it was fraudulent & was opened without my consent or knowledge XXXX  XXXX Date Opened : XX/XX/2015 Balance : {$0.00}. 

If you claim this account is 100 % accurate and verifiable then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.
Consumer complaint received 2019-01-29
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (NJ)

Refinanced existing student loan through XXXX XXXX. Never received proper communication on the process. Suddenly completed. When repeatedly called to inquire on amount to pay : Told in XXXX that nothing will be due in XXXX. Followed what they said. ( Had an unrelated problem with personal checking account ... .fraud. So had to close personal checking and open a new one. In process, a payment to Navient was returned. ). Constantly called to resolve all outstanding amount. On XX/XX/19, Navient advised me to pay {$500.00} installment plus {$830.00} past due. Both payments posted XX/XX/19. 
Received no less than 6 phone calls yesterday ( XX/XX/19 ). Answered when free and told I am still in arrears. Put on hold and no one ever came back on the line. 
I feel that Navient is being devious. They tell me first to pay nothing for a month or two.  Then they tell me I am in arrears and so in forbearance. I pay all that I am told to pay to avoid forbearance. Six days later, they are calling me again claiming I am in forbearance.
Consumer complaint received 2022-07-12
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. (CA)

This complaint has been submitted several times I've complained about being a victim of identity theft. Transunion must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX
Consumer complaint received 2019-01-29
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NH)

On XX/XX/XXXX my loan was sold to Navient from SallieMae. Like many others struggling to pay loans, I entered into Interest only repayment for the maximum time allowed by Navient. 

Following the end of the Interest Only repayment period, beginning XX/XX/XXXX until XX/XX/XXXX, payments that I made in the amount of {$410.00} were distributed to my loan in such a way that there was no consistency with the amounts paid towards interest and principal from month to month. 

One example : XX/XX/XXXX Payment made : {$410.00} Applied to Interest : {$160.00} Applied to Principal : {$250.00} XX/XX/XXXX Payment made : {$410.00} Applied to Interest : {$410.00} Applied to Principal : {$0.00} XX/XX/XXXX Payment made : {$410.00} Applied to Interest : {$100.00} Applied to Principal : {$300.00} This continued until XX/XX/XXXX when I once again had to enter into Interest Only repayment ; the only option that I was told was available to me in order to be able to pay my loan.
Consumer complaint received 2021-01-29
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. (NJ)

I AM EXERCISING MY RIGHT TO DISPUTE THE FOLLOWING ITEMS ON MY FILE IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT (FCRA). UPON REVIEW OF MY CREDIT FILE, I HAVE FOUND THAT THERE ARE SEVERAL INACCURATE AND UNVERIFIED ITEMS. THESE HAVE NEGATIVELY IMPACTED MY ABILITY TO RECEIVE CREDIT AND HAVE PROVIDED UNNECESSARY EMBARRASSMENT AND INCONVENIENCE.

AS I AM SURE YOU ARE AWARE IT IS MY RIGHT ACCORDING TO SECTION 609 OF THE FCRA, TO REQUEST A PROPER INVESTIGATION INTO THESE INACCURACIES. IN PARTICULAR, I AM REFERENCING SECTION 609(c) (B) (iii), WHICH STATES "THE RIGHT OF A CONSUMER TO DISPUTE INFORMATION IN THE FILE OF THE CONSUMER." AS SUCH, THE DISPUTE REPORT OF THE ITEMS LISTED IS ATTACHED.
Consumer complaint received 2022-08-16
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. (NJ)

It has been brought to my attention that you are not blocking file when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following item listed below which is reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block the following account as it was fraudulent & was opened without my consent or knowledge XXXX XXXX Date Opened : XX/XX/2015 Balance : {$0.00}. 

If you claim this account is 100 % accurate and verifiable then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.
Consumer complaint received 2023-08-22
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: Nelnet, Inc. (MS)

I have attempted to resolve by phone and by mail XX/XX/2023, XX/XX/2023 to no avail. 

Per the Family Educational Rights and Privacy Act ( FERPA ) as a federally protected consumer, I am now revoking all authorization I, the consumer may have given you written, non-written, verbal, and nonverbal per 20 U.S.C. 1232g ; 34 CFR Part 99.
Consumer complaint received 2022-08-16
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. (GA)

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, XXXX and TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XX/XX/XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-19
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: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I filed a dispute in regards to inaccurate inquiries on my credit report its been well over 30 days and I have not received any investigation results. 

. The inquiry was not authorizedXXXX XXXXDate of inquiry : XX/XX/XXXX 2. The inquiry was not authorizedXXXX/XXXX XXXXDate of inquiry : XX/XX/XXXX 3.The inquiry was not authorizedXXXX XXXXDate of inquiry : XX/XX/XXXX 4. The inquiry was not authorizedXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 5. The inquiry was not authorizedXXXX/XXXX XXXX Date of inquiry : XX/XX/XXXX 6. The inquiry was not authorized US Small Bus Admin ODADate of inquiry : XX/XX/XXXX
Consumer complaint received 2023-04-01
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. (IL)

This is the several time I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$3200.00} XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : {$830.00} XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX Balance : {$49.00} XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (VA)

In accordings What the fair credit reporting act XXXX Account number XXXXXXXX XXXX XXXX XXXX  Account number XXXXXXXX XXXX XXXX Account number XXXX XXXXXXXX XXXX  Account numberXXXX  has violated my rights. 

XXXX department of education Account number XXXX Has late payment and I never missed a payment XXXXXXXX XXXX  Account XXXX. 
I tried to change my payment method with gain it took me three emails to let to get a response it charge me a late fee do to the fact they took almost a month to reposed 15 USC 1681 section 602 A states I have the roughy to privacy 15 USC 1681 section 604 A section 2 : It also states a customer reporting Agency can not be furnished a Account without my written instruction
Consumer complaint received 2019-01-29
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Confusing or missing disclosures — 
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

On XX/XX/2018 I deposited a check in the amount of {$370.00} with Fifth Third Bank. After 4 to 5 days I called Bank customers service regarding my check status, the representative told me that your check returned due to non sufficient fund, when I called to confirm their claim to check issued institution XXXX XXXX and they stated that check was cashed on the same day XX/XX/2018 and my bank put illegal hold on my fund for 10 days to use my money for other business and giving me falls information. 
This is not a first time they have been doing the same thing since very long and I would say its a regular practice of the bank to put unnecessary hold on checks. 
Bank also hiding the information of the back of check facts.
Consumer complaint received 2020-06-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

bought a pool and used my visa credit card to purchase a swimming pool. They sent me a confirmation email that i still have. When i went on thier website I did not see my purchase or nothing about payment recieved. Then I tried to cancle the paypal profile and they wont let me do so. The amount in the paypal account was XXXX cents and they say i have a negative balance and can not close account. I DO NOT HAVE ANY OTHER BALANCE OTHER THAN XXXX CENTS. I WANT ACCOUNT CLOSED!! I also recieved confirmation from XXXX. That company did not exist.
Consumer complaint received 2021-08-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: International Computer Systems, Inc. (CA)

First collection svcs/ICS account : XXXX, created XX/XX/XXXX, amount {$300.00}, for XXXX XXXX - this account was disputed and deleted ( XXXX XXXX  ). First collection svcs/ICS account : XXXX, created XX/XX/XXXX, amount {$300.00}, for XXXX XXXX - this account was disputed but still remains on my credit report ( XXXX, XXXX  ). Both accounts are for the same bill, with different account numbers created by the collection company. Also, the account created XX/XX/XXXX was deleted before the XX/XX/XXXX ( XX/XX/XXXX was created/reported first ), but not deleted, which does not make sense. The account XXXX should be deleted as well. The collection company is creating false misinformation because their numbers and dates are all mixed up. At the time I received the hospital services, I was 100 % covered under a hospital financial program, which covered all bills incurred. I have attached files from credit report and hospital letter.