davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I visited XXXX to obtain a copy of one credit report. After providing my personal information three times for each of the agencies, I was denied access to my report by all three : XXXX - " We are not able to deliver your free XXXX credit report online '' Transunion - " We are not able to provide you with your online Personal Credit Report since it contains an open dispute currently under investigation. '' XXXX - " A condition exists that prevents XXXX from being able to accept your request at this time ''
Consumer complaint received 2020-11-16
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: EQUIFAX, INC. (CA)

I XXXX XXXX XXXX have been a victim of identity theft and am writing to request that you block this item from my credit report. I never initiated these accounts nor do I have a contract with the following Company ( XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX and XXXX XXXX XXXX  XXXX ). These accounts are fraudulent and need to be removed. " The Fair and Accurate Transaction Act of 2003 '' requires you to block and delete any information that was the result of identity theft FACT Act Section 152 FCRA section 605B. The law states that you have 4 business days to complete this request.
Consumer complaint received 2022-10-07
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: HCFS Healthcare Financial Services of TeamHealth (FL)

After reviewing my credit profile on XX/XX/2022 I identified discrepancy with account listed under ARS Account Resolution and validation was requested as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/2022 and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 2nd validation letter was sent out on this day. After reviewing credit report again on XX/XX/2022 there have been no updates and account is still reflecting on the report. I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me, and all information is correct.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2021-01-20
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. (TX)

Items where illegally ran on my credit. Not giving consent to do so by me.! 
Data facts XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-03-29
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. (CO)

We have been making interest-only payments on our student loans beginningXX/XX/XXXX without issue until Navient made a payment system and UI change to their website in the beginning of XX/XX/XXXX. As of ourXX/XX/XXXX payment we have been forced to call Navient every month to have the payment on the consolidated loan reallocated to what was originally requested in their online payment form.

Prior to XX/XX/XXXX, Navient has allocated our payments as requested, the full {$35.00} going to the unsubsidized portion of the consolidated loan ( 1-03 ). As of the payment on XX/XX/XXXX and again with the payment made on XX/XX/XXXX, Navient has split the payment across both loans ( XXXX Subsidized and XXXX   Unsubsidized ). We have been forced to call 3 times to resolve the issue with the 2 payments, as one gentlemen refused to help.

We understand there are regulations around consolidated loans being paid off congruently, however, there is {$0.00} due on both portions of this consolidation loan as it is on an Income Driven Repayment Plan as well as In-School Deferment status. The only logical way to process a payment in this scenario is how Navient had been processing it for each of the prior 12 payments : the entire {$35.00} payment that we directed to the Unsubsidized loan ( 1-03 ) should be made to it and never split, again, as they had been for the prior 12 payments.

Navient has offered no permanent solution to this problem - aside from the gentlemen who refused to help made what seemed to be an IT related joke about how it's programmed. We have been disgusted with XXXX XXXX and Navient ( since they took over our loans ) ever since XXXX XXXX allowed loans to default without making any communication attempts via email, phone or even postal mail!

We've attached a screenshot of the payment history showing prior and current allocations of our payments. You can see the payment forXX/XX/XXXX was split, despite submitting it the same way as all previous payments, which clearly shows {$35.00} being allocated to loan XXXX and {$0.00} to loan XXXX. You can also see how we allocated the pending payment for XX/XX/XXXX, which ended up being split and required a call to reallocate it. Sadly, I have to keep a detailed spreadsheet of every balance, payment, confirmation number and how Navient applied the payment because they aren't a trustworthy servicer and don't provide line-item detail in their statements - oh wait, they don't provide statements!
Consumer complaint received 2022-10-07
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NV)

Portfolio Recovery has violated my rights to proper verify the alleged debt, regarding account # XXXX and account # XXXX, account # XXXX. on XX/XX/XXXX i requested Portfolio Recovery to request for validation, and they just sent me a bunch of old statements. i will attached the copy of the letter and the certified tracking mail. and continued to report this alleged debt to the credit bureaus and calling me everyday. 
XXXX certified XXXX
Consumer complaint received 2023-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX XXXX Acct # XXXXXXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX Acct # XXXX These accts are paid off. I ask that you removed these accounts immediately feom my report immediately Social security # XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-14
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Duvera Billing Services, LLC (FL)

I was charged an outrageous amount of interest on a car repair loan. The original interest was not that high when I was rushed through signing the paperwork. I have paid them around {$1600.00} in 6 months for a {$1400.00} loan. They are charging ne XXXX  % in interest. I need help please!!
Consumer complaint received 2022-04-05
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. (MS)

in accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/20XXXX XXXX XXXX/Inquired on XX/XX/2020, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX has violated my rights XXXX 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions I XXXX XXXX XXXX DID NOT GIVE XXXX, EXPERIAN, XXXX ANY WRITTING INSTRUCTION.
Consumer complaint received 2021-09-14
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

I have a charged off account with capital one that was opened XX/XX/XXXX. Then they sold the account to a debt collector on XX/XX/XXXX so now it looks on my credit as if there are two negative accounts one showing from XXXX  XXXX and the other showing from portfolio recovery associates. Which is incorrect because they are potentially the same account. The account is over 6 yrs old therefore by Ohio law and the FCRA the debt collection company can no longer sue for collection of this debt
Consumer complaint received 2018-07-10
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. (FL)

TODAYS DATE : XX/XX/XXXX PLEASE UPDATE MY PHONE NUMBER TO MY FRAUD ALERT : XXXX To Whom It May Concern XXXX XXXXXXXX. XXXX XXXX XXXX, CA XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX  XXXX XXXX, GA XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX Have enclosed a copy of two bills PLEASE UPDATE MY CURENT ADRESS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX THESE ARE NOT MY ADDRESEES XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. 

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ).  You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2018-07-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TODAYS DATE : XX/XX/XXXXPLEASE UPDATE MY PHONE NUMBER TO MY FRAUD ALERT : XXXX To Whom It May Concern TransUnion XXXX. XXXX XXXX XXXX, CA XXXX XXXX   XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX Have enclosed a copy of two bills PLEASE UPDATE MY CURENT ADRESS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX THESE ARE NOT MY ADDRESEES XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. 

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ).  You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2021-09-14
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: Experian Information Solutions Inc. (NM)

On XX/XX/21 I sent Experian a investigation letter to investigate some negative things on my credit report. On XX/XX/21 they sent me a letter via mail stating the accounts were " verified ''. On XX/XX/21 I sent a method of verification letter asking for the method they used to verify the accounts. I never received any documentation or proof that I requested. on XX/XX/21 Experian sent me a notification via the app to tell me they had an update with my dispute. when i checked the app it said that the accounts were updated again. Still to this day I haven't received documentation or proof of verification like I requested.
Consumer complaint received 2021-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NE)

this is not a duplicate complaint. the other one was for XX/XX/XXXX not XXXX. experian and XX/XX/XXXX they that they have information on my credit report of XXXX as past due {$60.00} 60 days and owe {$1100.00} when that was reported as fraud and XXXX fraud dept said removed that and then XX/XX/2020 find out they are reporting past due on my credit report. want the past due 60 days {$60.00} taken off right away and put the account to {$0.00} balance due. 
i tried to get this removed since it was fraud by fair act 604 but credit report company wont remove it so i want it fixed so its not past due. i will take this to court matters if this is not fixed and sue XXXX and the credit reporting companies experian and transunion that put this on my report for destroying my credit as it has ruined my credit in the last year with them putting this XXXX on my credit report as being 60 days late and i lost credit cards and got denied loans because of them putting this on my report as 60 days late when it was fraud. remove the {$60.00} and 60 days late off to fix this problem on my credit report so i can get a loan. i had perfect credit never late on none of my bills until XXXX destroyed my credit. Hackers have stolen data from thousands of XXXX customers in the US, the bank has confirmed. The breach exposed the names of customers, account numbers and contact information
Consumer complaint received 2022-09-13
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. (AE)

It has been drawn out into the open that you are not hindering records when I sent a copy of the 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 XX/XX/2022
Consumer complaint received 2021-11-03
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

Commencing on or about XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by XXXX ( the Company ), with the design, development, manufacture, promoting, marketing, distribution, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. Money was transferred from my account via debit card and through an intermediary named XXXX and XXXX in the total amount of XXXX USD utilizing JP Morgan Chase services.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the inquiries listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 

XXXX  - XX/XX/2023 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023
Consumer complaint received 2020-11-03
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP (TX)

I received an unsolicited Visa Debit card from US Bank - Reliacard for " unemployment benefits ''. I did not apply nor want this card. Unable to contact company via phone numbers provided unless I activate the card. Per my son and online information, it indicates that this is a scam and not to activate the card. I am unable to contact the bank at any of the number provided - unless I activate card or on one number they indicated a wait time of at least 30 minutes. I need to know how a debit card was issued in my name and what information was used to obtain it. I feel violated and need to know what further steps to take to protect my name, date of birth, Social Security number. I need written verification from US bank indicating that this card has been cancelled and none of my information will further compromised by the bank or the person who perpetrated the fraud.
Consumer complaint received 2017-08-03
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Merchants' Credit Guide Company (GA)

I submitted this complaint before but it was the wrong company. Several months ago a woman named XXXX XXXX contacted me about an account that was with closed, or paid off, in fact I never received any paperwork, I paid XXXX a month, then my account was hacked and I become ill. She began calling again. XX/XX/XXXX my father XXXX and a short time later she called again. this time she said I owe XXXX dollars, adding to it instead of subtracting the money I paid. Then she said it was to bad about my dad, but last time you said your account was hacked, she was really rude and intimidating. I hung up and started to cry. She did not believe me that was obvious. I sent the company a copy of my father 's XXXX XXXX to prove I was not lying. I do n't even know what this money is for. And this XXXX XXXX is rude and intimidating.
Consumer complaint received 2022-04-05
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. (NY)

Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please DELETE the account in my Credit Report : XXXX XXXX XXXX XXXX