davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX  XXXX is misreporting a balance to TransUnion on a charge-off account that was settled. The account is reporting correctly to both XXXX  and XXXX.
Consumer complaint received 2023-01-18
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. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, XXXX, and TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, XXXX, and TransUnion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX BANK XXXX. XXXX Date Opened XX/XX/2016 Balance {$1600.00} and XXXX BANK XXXX. XXXX Date Opened XX/XX/2016 XXXX {$270000.00}.
Consumer complaint received 2023-04-05
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: NAVY FEDERAL CREDIT UNION (VA)

I'VE CONTACTED THE BUREAUS MULTIPLE TIMES REGARDING THIS ACCOUNT. PROVIDING DOCUMENTATION OF WHO I AM AND WHERE I'VE LIVED INFORMING THEM THAT THIS ACCOUNT HAS NEVER BELONGED TO ME.
Consumer complaint received 2022-04-29
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. (NY)

XXXX XXXX Bank reported late charges in XX/XX/XXXX for XXXX and XX/XX/XXXX and XX/XX/XXXX for XXXX and XX/XX/XXXX. Both times this was due to issue with XXXX. In both cases XXXX removed an incorrect charge, and then the late fees assessed by XXXX were appropriately removed. As such my record continues to show NO payment made by me to XXXX XXXX XX/XX/XXXX, and my balance paid in full since such date, with NO current balance, NOTHING due by me, etc I disputed the XX/XX/XXXX and it was removed from my credit reports ; then I disputed the XX/XX/XXXX and it was removed but the previously removed XXXX re-appeared!! I disputed that and then the XX/XX/XXXX re-appeared and remained the XXXX one showing!! What kind of sick game is Experian and the credit bureaus playing with peoples lives here???! I have perfect payment history ; No late fees ; no late payments ; accounts paid in full. Incorrect charges and therefore inappropriately assessed late fees were removed. WHY am I being penalized for that???
Consumer complaint received 2018-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (MD)

Equifax allege they are unable to update my email address in their system. The email address they have in their system was compromised, alert was sent via XXXX. 

Equifax allowed unauthorized access to my consumer file opening an account on behalf of XXXX XXXX XXXX without phone verification. See attached Consumer File from Equifax in 2016 there is no XXXX XXXX XXXX account there. ; XXXX XXXX XXXX is not listed, ,Equifax allowed creditor to add derogatory account without notice and refuse to remove over the last 60+ days
Consumer complaint received 2018-02-10
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. (PA)

Affidavit of Demand XXXX XXXX XXXX COMMONWEALTH OF PENNSYLVANIA XXXX COUNTY OF UNITED STATES The undersigned, XXXX XXXX XXXX, being duly sworn, hereby deposes and says : 1. I am over the age of XXXX and am a resident of the Commonwealth of Pennsylvania. I have personal knowledge of the facts herein, and, if called as a witness, could testify completely thereto. 



2. I suffer no legal disabilities and have personal knowledge of the facts set forth below. 



3. Date : XX/XX/2018 Dear XXXX FTC Report Number : XXXX Victim Fraud Assistance Department, I have included all pages with the official police report from the XXXX Police Department. Also, you have a notarized FTC Federal Identity Theft Victim 's Complaint and Affidavit. Under FCRA 605B ( 15 U.S.C. 1681c-2 ) you are to block any information in the file of a consumer that the consumer identified as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I sent you clear legible copies of my credit report, FTC Identity Theft report, Official copy of the Identity Theft Police Report  signed and notarized. I previously notified you in recent certified letters and affidavits that I am a victim of identity theft, and requested that you do the following : Close the unauthorized accounts and credit inquires Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used fraudulently. I did not open or authorize these accounts and inquiries, and I request that it be closed immediately. I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to XXXX, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. 




I also have enclosed a copy of the F.T.C 's Identity Theft Affidavit, which explains your responsibilities when reporting information to XXXX, Experian and XXXX. Please stop reporting this fraudulent information and delete any fraudulent items as soon as possible. If you do not otherwise block my consumer information on my credit reports I will be left with no choice but to file a lawsuit that you volatile the F.C.R.A 605B law and how Its affecting my ability to work and buy a home. 





Sincerely, XXXX XXXX XXXX cc : Pennsylvania Attorney General Office cc XXXX XXXX XXXX XXXX cc : Consumer Financial Protection Bureau cc : Office of United States Senator XXXX XXXX cc : PA Banking and Securities
Consumer complaint received 2022-09-21
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY (NY)

This bank is horribke not replicable they refuse to reimburse me fraud that occurred in my business and personal checking account my account is overdrawn by this this is not fair they refuse to call me the XXXX office is horribke to me
Consumer complaint received 2018-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

Called the customer service for the XXXX XXXX XXXX card and reported a fraudulent charge and two weeks later my credit report has impacted very adversely notating that XXXX reported a complaint.  The Credit specialist at XXXX is not giving me much information or having this resolved.
Consumer complaint received 2021-02-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Portfolio Recovery & Associates is a violation of FDCPA sec 809b Portfolio Recovery & Associates attempts to collect a debt under the names : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  Accounts can not be 100 percent validated ; this is a violation. 

PRA attempts to collect a debt in a state that i do not reside in ; A violation PRA does not have the right to collect any debt in my state of Florida PRA Knowingly reports fraudulent and misleading information in their attempt to validate the debt they claim i owe ; Which includes the following ; inaccurate name & address Inaccurate original creditor and amount owed ; Although a validation letter was submitted to the creditor ; the company illegally reports inaccurate information to the credit reporting agencies. 

All are unfair practices under federal law.
Consumer complaint received 2020-01-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (GA)

Issues with FEDloan regarding Public Service Loan Forgiveness ( PSLF ) 1. On XX/XX/XXXX, my employer certified my employment via form XXXX XXXX. XXXX with the XXXX XXXX where I have served since XX/XX/XXXX ( I will have 14 years of service in 2 weeks ). I uploaded my completed form to FEDloan in accordance with their established procedures for the PSLF program. FEDloan responded that my employment could not be certified because my employment end date in section 3 was blank/missing. I've attached the form that I uploaded with PII removed. Clearly the box " Still Employed '' is checked. 

2. I started the process for PSLF in early XXXX and have been given the run-around just like the other 99 % of applicants that have been denied forgiveness for this program. FEDloan has yet to calculate and bring into the program a Spousal Consolidation loan that has been in repayment since late XXXX/early XXXX in the amount of {$51000.00}. The company has only pulled in my individual loan from graduate school for {$8700.00} ; initially this one was denied due to another erroneous claim by FEDloan that I did not include the EIN on the certification form, when I clearly had it written on the form. 

When I called FEDloan 's customer service, the individual from FEDloan told me that my portion of the Spousal Consolidation loan is eligible for the program. Please assist me in this matter and get FEDloan to do the right thing. This company has gotten away with erroneously denying me and tens-of-thousands of Public Servants forgiveness through this program for several years with no recourse.
Consumer complaint received 2022-04-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (FL)

I viewed my credit report and noticed that there are fraudulent accounts. This was not sent in error. I am consumer by law and my information was misused. Unauthorized use of my credit report, identity theft. Here are the details of the said inaccurate accounts, company name, balance & date last reported : XXXX XXXX/ {$3000.00} / XX/XX/2021 XXXX / {$620.00} / XX/XX/202XXXX XXXX XXXX XXXX$550.00} / XX/XX/2021
Consumer complaint received 2018-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Called the customer service for the XXXX XXXX XXXX card and reported a fraudulent charge and two weeks later my credit report has impacted very adversely notating that XXXX  reported a complaint.  The Credit specialist at XXXX is not giving me much information or having this resolved.
Consumer complaint received 2022-04-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (FL)

I viewed my credit report and noticed that there are fraudulent accounts. This was not sent in error. I am consumer by law and my information was misused. Unauthorized use of my credit report, identity theft. Here are the details of the said inaccurate accounts, company name, balance & date last reported : XXXX XXXX/ {$3000.00} / XX/XX/2021 XXXX XXXX/ {$3000.00} / XX/XX/2021 XXXX / {$690.00} / XX/XX/2021 XXXX / {$620.00} / XX/XX/2021 XXXX XXXX XXXX$550.00} / XX/XX/2021
Consumer complaint received 2021-06-07
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. (MA)

I am sure you will be unable to help me as the credit reporting agencies are privately controlled entities that can do whatever they want. I just want to tell you my story. I worked all year long to build up my credit after a divorce. I just got it up to XXXX. I was able to refinance a 12.6 % car loan and lower it to an amazing 1.74 %. I was so proud of myself. Well, today the new account reported and it tanked my credit by 87 points! In what world, does improving your finances by lowering your interest rate cause such a drastic change. How is what I did bad? The credit scoring system is flawed. It needs to be completely dismantled and re-evaluated. 87 points for switching to a lower interest rate is patently absurd. These companies have so much power over the financial health of Americans. I am at their mercy for housing, credit cards, loans ... ..They need formulas that are completely transparent and make sense. This does not make sense. I called Transunion to complain and they said that is just their scoring model. That opening a new account can lower your credit. They actually refused to tell me how much it had dropped. I knew because I have credit karma and Transunion online and received emails. My score, my financial health, my life and yet they refuse to tell me ... .. How is it legal for the consumer not to know how much their credit score dropped? 

I have spent the better part of the year buidling up my credit and educating myself about the intricacies of this credit scoring game. The credit reporting system is broken. It does not make sense. It is a bunch of convoluted scores, which you have some idea on but not the amount something will add/drop your score. And a lot makes zero sense. 

Thank you for listening to my story. I did nothing wrong and my purchasing power has just been seriously diminished by a formula created by a powerful entity under no obligation to inform me of what happened. I can do nothing to change it but am simply at their mercy.
Consumer complaint received 2021-06-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (TX)

On XX/XX/XXXX PayPal permanently limited my account with them, and froze my remaining balance. The account held {$2000.00} in revenue for selling goods. All of my sales were legal and in good standing. I contacted PayPal on XX/XX/XXXX via telephone, and I was told that my account was permanently banned, and they did not state the reason. I asked about my money still in the account, and the representative told my the money would be held for 180 days, after which I would receive an email on how to claim. On XX/XX/XXXX, PayPal debited my account the entire {$2000.00}, stating it was to pay for damages to the company. I reached out to the XXXX to complain, and today XX/XX/XXXX I received a response stating they banned my account for possible ammunition sales. They still refuse to refund the money. I understand they can ban my account, but I do not understand how they can lie, string someone along for 6 months, then steal the money that is left in the account for damages. A quick XXXX search regarding this issue will reveal this is not an isolated case. PayPal is continuing to perform fraud and theft in regards to their vague acceptable use policy for which anyone can violate for a multitude of reasons. PayPal should do the right thing and refund not just my money, but the hundreds and probably thousands of others this has been done to.
Consumer complaint received 2020-01-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (PA)

in XX/XX/XXXX, I. lost my son in a car crash, Loans he signed for were forgiven. the parent plus loans I signed for were not they said they were combined with another sons loan. Over a 12 year period I made several attempts to clear the notes. I continued to make payments. In XX/XX/XXXX< I contacted an ombudsman to plead my case. I was some what successful, in XX/XX/XXXX the total amount of his portion of my debt was credited. ( {$56000.00} ) What was not credited was the interest that accrued over the 12 years for the {$56000.00}. 
After doing my own anylasis, if the my debt due at the time with the payments I made would of been less than {$10000.00}. In stead it was set at over {$27000.00}. Te difference is very close to the cost of of interest for the {$56000.00}.
Consumer complaint received 2021-06-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (NY)

I am participating in the Public Service Loan Forgiveness program. I submit Employment Certification Form ( ECF ) at least once each year to verify my employment so that I will be able to see that my payments count towards the program in real time, also as it is recommended for PSLF by Fedloan. I submitted an ECF in early XX/XX/XXXX ( around XX/XX/XXXX ) and received an email on XX/XX/XXXX that more time would be needed to verify my employment. I called Fedloan on XX/XX/XXXX to check the status and was told by XXXX ( Employee ID XXXX ) that she is not sure why the employment was not certified and she would put the form through to be expedited. My employment has still not been verified since that submission. Therefore, in late XX/XX/XXXX ( around XX/XX/XXXX ) I submitted an additional ECF. On XX/XX/XXXX I received the same email stating more time was needed for review and I still have not heard the results of that form. I spoke with Fedloan representatives two additional times, both of whom said both forms should have been approved by now. I have done everything necessary to qualify for the program and Fedloan is not verifying my employment in an appropriate timely matter and I would like this looked into. The two ECF 's I've submitted this year are attached. Thank you.
Consumer complaint received 2021-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: RC Willey (UT)

RC Willey is reporting late notations on my credit file for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Due to Covid and the unforseen events in my life because of it, I was severely financially impacted. I had a very hard time and was very scraping by on bare necessities. I was surprised to see RC Willey report any lates at this time since under the CARES act creditors were supposed to take leniency on credit reporting because of hardships surround the pandemic. The bureaus specifically stated they expect consumer reporting agencies to make good faith efforts and have leniency. I ask that RC Willey please take leniency on my hardship and remove any XXXX and XXXX lates as a onetime goodwill adjustment.
Consumer complaint received 2018-02-10
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: OLD REPUBLIC TITLE HOLDING COMPANY, INC (CA)

XXXX XXXX XXXX CEO, please notice there must be a release of mortgage doc. from land or county recorders office. Please clear title see docs and all warrants are signed and more to come ... 
Hope you understand this is very important as someone mentioned that none of these other Companies have any right to sell or post anything on my door or trespass me and title.. XXXX XXXX XXXX
Consumer complaint received 2019-11-15
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: IMPAC MORTGAGE HOLDINGS, INC. (TX)

Im refinancing my home. The lender sent federal loan estimates with lender credit. The title fees ended up being less expensive and now they trying to decrease the lender credit by a proportional amount. From what Ive read this is a TRID violation.
Consumer complaint received 2023-04-06
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: EQUIFAX, INC. (MO)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$320.00} ; XXXX XXXX XXXXXXXX Balance : {$1000.00}.
Consumer complaint received 2022-04-29
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: EQUIFAX, INC. (NC)

I've checked my consumer report and noticed that there was an inquiry on my credit report that I didn't authorize which was from XXXX XXXX. I reached out to XXXX  XXXX on numerous of occasions, they did get in contact with me an sent me a document stating that they will contact the bureaus to delete the inquiry, the inquiry was deleted from XXXX and XXXX but still appeared from my Equifax profile. Equifax is not complying and deleting the inquiry.