davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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. 

Account Name : XXXX Account NumberXXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 the information is inaccurate.
Consumer complaint received 2022-05-02
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: EQUIFAX, INC. (MN)

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions
Consumer complaint received 2021-06-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (CA)

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX
Consumer complaint received 2018-02-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (TX)

XXXX wireless is reporting a delinquent/unpaid account on my credit report. This information is erroneous as this is not my account. Im not certain if Im a victim of identity theft. According to my credit file, the account was opened XX/XX/XXXX but sold to XXXX XXXX XX/XX/XXXX. Both companys are reporting this on my credit report. The amount is for {$2000.00}. I would like some kind of proof that this is my account. I have already disputed these items.
Consumer complaint received 2022-11-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (PA)

Clearly citi card us refusing to review the provided evidence. I have communicated the same information multi times and send the required pdf docs. 

Citi XXXX XXXX XXXX XXXX XXXX - online i disbuted a charge XX/XX/XXXX - called and talked to citi XX/XX/XXXX - sent request info to citi and XXXX confirmation email XX/XX/XXXX - citi deny dispute because I did not send in the info. 
XX/XX/XXXX - re-opene disbute and resent the required info XX/XX/XXXX - citi emails me asking for the same information
Consumer complaint received 2020-01-28
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. (TX)

My name is XXXX XXXX XXXX. I am a US Citizen and a resident of the state of Texas. I was advised by my local police department to send out this letter and to include specific fraudulent information appearing in my credit file. Please note that this information is inaccurate and appears on my credit file as a result of identity theft. The following information listed below is fraudulent and doesnt reflect any transactions made by me : Fraudulent Closed Accounts : Name of Institution Account Number Date Opened XXXX XXXX   XXXX / XXXX / XXXX XX/XX/XXXX XXXX XXXX / XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Fraudulent Collection Accounts : Name of Institution Account Number Date Opened XXXX XXXX / XXXX XXXX XXXX   XXXX XX/XX/XXXXXXXX. XXXX / XXXX XXXX XXXX XXXX / XXXX XX/XX/XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX / XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Fraudulent Addresses : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX # XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX # # XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Please delete and block this information from my credit report pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information. With this letter, I have enclosed a copy of my credit report received from your company, a copy of my identity theft report, proof of identity, a utility bill, a police report and other additional documents to support my claim. 

Thanks for your understanding XXXX XXXX XXXX
Consumer complaint received 2020-01-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (CA)

Please reference previous complaint # XXXX, the same problems still persist. Since then I have paid in full one of the three loan balances, I have been making additional payments on the next of the three loans with lowest balance. AES continues to misapply my payments as instructed with a letter that accompanies each check. Further, AES insisted that I write a " Standing Payment Instruction '' or SPI for short, a letter that remains on file indicating my specific wishes for how each additional payment I make via mailed check be applied. Please keep in mind that I make regularly scheduled monthly payments by Direct Debit from my checking account, I have done so without a single missed payment since AES took over my loans in XX/XX/XXXX. Since AES received my SPI, which they acknowledged was on file as of XX/XX/XXXX, AES has not only misapplied my additional payments by check, they have also misapplied my regular monthly payments by EFT as well. Essentially, they are doing exactly the OPPOSITE of what my SPI directs them to do. Since the SPI was received by AES, 5 payments have been misapplied in direct contradiction to the SPI, 2 were regular monthly EFT payments and the other 3 were checks sent by mail directed to pay the balance of the subsidized loan balance only. On Thursday XX/XX/XXXX I called AES Customer Service to have the payment reapplied, which they have failed to do in a timely manner. A copy of the SPI letter, the mailed checks with accompanied payment instructions, and the most recent account payment summary is attached. AES has misapplied a total 14 of 23 payments made by check and sent by mail, now also add to that 2 payments made by automatic debit have also been misapplied.
Consumer complaint received 2018-02-21
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'm respectfully filing this complaint due to numerous of failed attempts in the removal of said account in order to satisfy Section 611 ( 5 ) ( A ) of the FCRA. With all my formal requests I was never provided any verifiable documents that supports company 's claim, therefore according to the above statue my dispute has merits and should promptly and immediately be deleted. 

Accounts as following XXXX  # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX
Consumer complaint received 2018-02-21
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)

Transunion has not removed 2 inquires from XXXX XXXX after being given documentation from XXXX to remove inquires not authorized.
Consumer complaint received 2018-02-21
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. (MO)

I'm respectfully filing this complaint due to numerous of failed attempts in the removal of said account in order to satisfy Section 611 ( 5 ) ( A ) of the FCRA. With all my formal requests I was never provided any verifiable documents that supports company 's claim, therefore according to the above statue my dispute has merits and should promptly and immediately be deleted. 

Accounts as following XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX Debt # XXXX
Consumer complaint received 2022-05-02
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. (OH)

Remove the following accounts from my credit report immediately. As of XX/XX/2022 I received an update on my consumer report after re-investigation I did on Transunion on account ; XXXX XXXX. The account is still not reporting 100 % accurate on my credit report and i know this because i compared my updated Transunion report to my updated XXXX report and under 15 U.S. Code 1681i ( 5 ) any inaccurate or invalidated credit information reporting to my credit report after a re-investigation the consumer reporting agencies shall delete the item/account. The furnisher had more than 3 times to correct this matter so notifying them will do nothing i need this account removed immediately as this has been stopping from obtaining good credit and also is a violation of my consumer rights
Consumer complaint received 2022-05-02
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. (MN)

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

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX 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 an account without my written instructions
Consumer complaint received 2021-02-28
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. (GA)

I pulled all three of my credit reports and saw that there were multiple inquiries that I didn't authorize. Equifax, XX/XX/XXXX and XX/XX/XXXXhave these listed on my report. 

XXXX - XXXX XXXX  - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX
Consumer complaint received 2018-02-21
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. (IL)

Chapter XXXX bankruptcy invalid reporting wrong date, reference number and amount did not file chapter XXXX bankruptcy ; XXXX and state collection are not my accounts invalidly reporting no contract and needs to be removed asap
Consumer complaint received 2018-02-21
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. (IL)

Chapter XXXX bankruptcy invalid reporting wrong date, reference number and amount did not file chapter XXXX bankruptcy ; XXXX and state collection are not my accounts invalidly reporting no contract and needs to be removed asap
Consumer complaint received 2022-05-02
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. (PA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-12-01
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (CA)

I was in Covid -19 forbearance, when I exit forbearance I applied for loan modification with Loan care in XX/XX/2021, they still continue to call me asking to pay money {$33.00} to cure default, loan care assigned me a mortgage resolution advocate but its Loan care policy not to transfer a person directly to the advocate, I could not speak with advocate, every time is different person and different facts, XX/XX/XXXX th I e mailed and send certified mail with signature required XXXX pages worth of Paperwork, but its still not good enough. When I called yesterday the representative told me Im missing again and that paperwork form wasnt in the list they requested.Its been XXXX month and I am still trying to submit my application for modification. CFPB made rules to facilitate smooth transition but Loan Care breaks the rules, they are playing with me They call me for paperwork and they already have it, than the representative say they are sorry mam they have it and they are surprised that there is no notes in my files, its going on XXXX th month I can not submit application when I send it via e mail, they say they didnt get it and every person tells me different things, than it expires and still same cycle they say they want to help but they do nothing in reality to help you. I am curious how many loan modification they approved? Im sure many quit because what Loan Care practices is XXXX, XXXX like, their practices do not follow federal regulations.
Consumer complaint received 2021-02-28
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-07-02
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. (GA)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 1681c. ( a ) ( 5 ) Section state : 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 conviction 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 customer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2020-01-28
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Diversified Consultants, Inc. (MO)

I wish to have Diversified Consultant to remove a claim I owe XXXX for {$1900.00} - I change companies any XXXX stated I owe them {$1900.00} - all my phones where paid - any I only owe approximately XXXX dollars - I attempted to talk to customer service before switch to another carrier, and after I change I was contact my XXXX for various deals and I decline - I was with XXXX for 20 years and service started to decline and I left .Approximately XX/XX/2019 XXXX
Consumer complaint received 2018-02-21
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc. (FL)

I had a XXXX XXXX XXXX it was being put up for repossession due to be losing my job I reached out to them to lower my interest rate or payment and I was denied the pavement at the time before falling behind was for {$460.00} I paid on XX/XX/XXXX {$300.00}
Consumer complaint received 2022-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IN)

A few weeks ago I sent letters to all XXXX credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a XXXX party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or XXXX party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back.
Consumer complaint received 2018-02-21
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)

Chapter XXXX bankruptcy invalid reporting wrong date, reference number and amount did not file chapter XXXX bankruptcy ; XXXX and state collection are not my accounts invalidly reporting no contract and needs to be removed asap
Consumer complaint received 2018-10-04
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA (KY)

I started XXXX College of XXXX in XX/XX/XXXX and XXXX   XX/XX/XXXX For an XXXX XXXX I'm repaying over {$50000.00}. I believe I was charged way to much for this type of degree. I can't afford the IBR, they are asking for and i have been locked in under XXXX XXXX for 25 plus years
Consumer complaint received 2018-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (OR)

I froze my credit due to having my information exposed in the XXXX debacle. Experian has been the post challenging to initially place the freeze, but now that I need to unfreeze I can not due to mistyping my PIN. Experian only allows you to upload or mail in the request with your social security number, copy of drivers license and a current bill. I opted to upload since I really dont want all of that information floating around nicely packaged together, with Experian credit freeze on the envelope. Over 8 days have gone by and nothing has been received. Experian gives you no option to inquire. So I am sending a mailed in request asking for a new pin and indicated my concern of crossing this in the mail and provided my contact information. This is super frustrating and seems wrong that I have no ability to check on the request. What if I can never unfreeze my credit from this agency that holds all of my information and I have no way to contact anyone.