davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-21
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

This debt was discharged in my bankruptcy case ( XXXX District of IL XXXX ; discharged XX/XX/2008. ) It was dischargeable under the Bankruptcy Code as it was a private educational loan that was issued in an amount greater than the Cost of Attendance at my school ( I had already received a Pell Grant and Federal Student Loans directly from the college up to my Cost of Attendance that same semester ). Notwithstanding the bankruptcy discharge, this debt continues to be reported on my credit. I have disputed this debt multiple times with all 3 credit bureaus to no avail. 

This debt originally had a co-signer, and while it may be appropriate to continue to report on behalf of the co-signer, it is no longer appropriate to report it under my name.
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report.

According to FCRA Section 605B ( a ) the Equifax shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Here is the list of accounts which do not belong to me or were opened without my permission. 
XXXX XXXX and XXXX XXXX.
Consumer complaint received 2018-06-20
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: I.C. System, Inc. (WV)

On my XXXX  report there is a collection of {$450.00} by I C System for XXXX. It says it it was opened XX/XX/2017. I just moved to an apartment in XX/XX/2017 and had cable from a cable company. I did try the seven day free trial of XXXX through the internet and it didn't work so I cancelled the same day. There's no way I can owe money on a free trial that was cancelled before the free trial expired. I did a dispute through XXXX XXXX but wasn't able to give much information, mostly just choose from topics. This was put on my credit report without any notice from I C System, which should be illegal. I haven't received anything from them. I hadn't heard of this company before.
Consumer complaint received 2020-07-01
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: EQUIFAX, INC. (CA)

I am writing to dispute the following information that appears on my credit report from XX/XX/XXXX : XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$580.00}. I am a victim of identity theft and I never opened this account. 
XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$10000.00}. I am a victim of identity theft and I never opened this account. 
XXXX XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$2900.00}. I am a victim of identity theft and I never opened this account. 
XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$10000.00}. I am a victim of identity theft and I never opened this account. 
Collection account from XXXX XXXX with account # XXXX and a balance of {$600.00}. The original creditor is XXXX. I am a victim of identity theft and this debt is not mine. 
Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance. 
Sincerely, XXXX XXXX
Consumer complaint received 2017-07-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (MA)

FedLoan Servicing has been providing me with regular monthly statements of {$190.00} for the past 5 months. Before that the amounts fluctuated and FedLoan could not or would not coherently describe why. I have paid $ XXXX/month to pay down the loans and have received subsequent bills stating " You have previously made payments in excess of the amount that was due. Therefore, you currently do not have a payment due this month. Your next payment is due on XX/XX/XXXXfor {$190.00}. '' This month I received a statement this this exact wording dated XX/XX/XXXX. On the same day I received a delinquency notice dated XX/XX/XXXX. I called FedLoan Servicing for an explanation as to the obvious discrepancy in the two letters dated a single day apart and was told my actual amount due each month was {$1400.00}. This does not appear on any statement and has not been made known to me. The service person claims that emails had been sent, however they confirmed I am set up for paper billing and I have not seen these supposed emails. The service person did not have an explanation for the lack of paper correspondence related to the $ XXXX/month amount due. Please help me to get this matter resolved so I do not default on a loan I have, by all correspondence that has been provided in my confirmed method, been paying beyond the due amount. Furthermore, of the loans listed on the delinquency notice 5 were  supposedly dispersed during my time as an XXXX and during that time I had taken out loans from XXXX XXXX XXXX not FedLoan Servicing.
Consumer complaint received 2021-03-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SUNRISE CREDIT SERVICES, INC (NY)

I am a XXXX customer. I moved apartments in XXXX and was told to keep my equipment ( modem and router ). I kept my equipment and set it up. The equipment did not function in the new apartment so I was sent new equipment and was not notified electronically or called to return my old equipment. Today I received a call from a debt collector saying I owe XXXX {$120.00}. I pay all my bills on time and I believe XXXX  was reckless in this situation for not notifying me that I owed them equipment. I didnt receive notices or anything. This may be because they sent them to my old apartment but that is their fault, not mine.
Consumer complaint received 2021-03-01
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (VA)

Received bill from XXXX XXXX XXXX XXXX XXXX XXXX for a balance of {$4800.00}, covering up to XXXX XX/XX/XXXX ( through their private broker, Transworld Systems Inc. ) Paycheck ( weekly ) was garnished XXXX on XX/XX/XXXX by XXXX XXXX XXXX XXXX XXXX XXXX. No judgements, no notification prior to were given. 

Received notice from U.S. Department of the Treasury XX/XX/XXXX ( dated XX/XX/XXXX ) that a payment of {$4800.00} from our federal tax return was paid, by EFT, to XXXX XXXX XXXX XXXX XXXX XXXX. 

Called Transworld Systems , Inc. ( using number listed on IRS notification ) XXXX seeking a payoff letter. Spoke with XXXX XXXX, employee ID XXXX, who informed me that the payment hasnt reflected and the garnishments would continue for 4 to 6 weeks. He further claimed that the ACTUAL balance is {$5700.00}. I have never received a bill for anything more than {$4800.00}. 

Mr. XXXX claimed that they update their systems every Monday ( which would be today, XX/XX/XXXX ). 

Mr. XXXX claimed that an Intent to Garnish was issued XX/XX/XXXX to an old address which he claimed was the only address they have on file. I am not inclined to believe this as we receive regular billing statements at our current address. No yellow sticker, the address is physically printed on the statement. 

They have received {$140.00} more ( between wage garnishment and federal income tax garnishment ) than I was ever billed for and are knowingly going to collect more they are not entitled to.
Consumer complaint received 2022-09-12
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. (FL)

In accordance with the Fair Credit Reporting act, XXXX accounts XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX have 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 1666 B : 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 2018-02-25
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: DISCOVER BANK (KY)

Unauthorized credit Inquiries listed on XXXX credit report. 
No one hady permission to pull credit Inquiries. 
Multiple times credit inquires on XXXX Please remove them XXXX  refuses to remove them.
Consumer complaint received 2021-09-03
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. (MI)

I am a victim of identity theft, I did not authorize or benefit from the following accounts. 

- XXXX XXXX  - Account # XXXX I have attached a copy of an identity theft report filed with the Federal Trade Center and demand you cease and desist from the presentment of all information alleged to be mine in order to avoid any possible liable for the identity theft or data breach of personal information. 

15 Usc 1681 ( c ) - Upon the direct request of a consumer, or an individual acting on behalf of or as a personal representative of a consumer, who asserts in good faith a suspicion that the consumer has been or is about to become a victim of fraud or related crime, including identity theft. 

Also attached below, I have obtained a copy a third- party of my 3 credit bureau report from XXXX and it will also show how XXXX has fixed the error but XXXX  & XXXX  have not.
Consumer complaint received 2020-08-19
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ProCollect, Inc. (TX)

XX/XX/2015, {$2000.00}. Put a notice on my door to pay false late fees in 4 days or My personal items would be put to the street and I would be evicted. I was discriminated against by new management and bullied to leave property with my child.
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

After hearing of the XXXX breach, I tried to take corrective measures for protection. I went to the TransUnion website and attempted to call, multiple times I received a busy signal that hung up on me. I then followed some trails and found I could sign up online for Fraud Alert on my account ... so, I completed the forms to create the online account. After I completed this form process, the next webpage it took me was immediately back to the original page to begin the form process to create an account again. I entered all the same information and at the end it indicated I had an account already and to sign in. I entered my username & password, after pressing the LOGIN button it brought me back to the LOGIN page again ... again, I entered my info and it sent me to a page that was attempting to reset my password. I thought perhaps this would finalize my ability to have access to place a Fraud Alert ... it asked for all my personal information and then a security question that was not the question I selected in the signing up process ... 

This entire process has been complete XXXX, it 's vacuuming up all of my info as it refuses me access, I am being ran around into useless loops on its website as its call line continues to give me a busy signal and hang up on me. It should not be this difficult to place a Fraud Alert on my own credit report.
Consumer complaint received 2020-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Recently I notified TransUnion of inaccuracies on my consumer report after being notified TransUnion removed the inaccuracies ( names, birthdays, addresses, numbers, and social security numbers ) the accounts that are associated with the inaccuracies remain on my consumer report and I believe that TransUnion is in violation of federal laws by continuing to report the inaccurate accounts
Consumer complaint received 2018-06-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ability Recovery Services, LLC (NY)

I have filled a dispute several times through XXXX explaining that this is not my debt. I don't live in XXXX.. I live in XXXX. I requested the company send proof of this and the only thing they can send is an invoice. No letter showing that I may have acknowledged this debt or taken responsibility of this. I have no unpaid medical bills. This is clearly fraud. I refuse to pay for something I didn't do. My next order of business is pursuing legal action. I would rather pay a lawyer to sue you for pain and suffering than to pay for something fraudulent. This only shows on my XXXX   credit report and XXXX  is agreeing with the company on this bogus proof or debt they are providing. Is XXXX  an accomplice? I am happy to add them to the lawsuit as well.
Consumer complaint received 2020-07-01
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

Unable to resolve disputes via XXXX. XXXX  and XXXX  : Adverse account : XXXX XXXX XXXX  XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX Balance : XXXX dollars.
Consumer complaint received 2021-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (CO)

I paid my account balance in full on XX/XX/XXXX which was two days before the due date, and 32 days before the new charges were due. The account statement was issued on XX/XX/XXXX with a zero balance. Thereafter, I used the card to make a few purchases, and on XX/XX/XXXX, Synchrony Bank reported the new charges to the Credit Bureaus. Those charges will be paid in full in XXXX XXXX before they are even due in XXXX XXXX, yet I am being penalized with " early '' credit reporting. This card has a 5 % cash back benefit and a 25-day grace period to pay new purchases without paying interest, so reporting new charges " early '' is just punitive to those of us who handle our accounts correctly. I have had this account open for four years and Synchrony has never, to my knowledge, reported new charges " early. '' I was not, to my knowledge, informed at any time that there would be any changes to the way my account would be reported to the credit bureaus. This change and practice seems punitive and destructive to the issuer/cardholder relationship. Over time, cardholders become accustomed to the business practices of each issuer and any negative change in issuer behavior not directly attributable to negative account management on the part of consumers, causes disruption to consumers. Any change in credit score as a result of said negative issuer behavior I consider as damage to my personal financial health. Why would a credit card issuer seek to damage my credit scores and health, while I am paying my account in full before the charges are even due?
Consumer complaint received 2020-07-17
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (IN)

On XX/XX/2020 our mortgage lender Freedom Mortgage issued the annual Escrow Account Disclosure Statement. In the statement they calculated that we had a surplus of {$1700.00}. Under RESPA, they have 30 days from the date of the statement to refund any amount over {$50.00}. As of XX/XX/2020, they have not refunded said amount. Called Freedom today, XX/XX/2020, and was informed the refund would not be processed until XX/XX/2020. In my call I stated that federal statute states that refunds must be made within 30 days, and their claim was they were behind due to the virus. A virus is no excuse to violate federal statute. Yes, the surplus will be paid, but it is still late, so I would like it on the record that they violated RESPA.
Consumer complaint received 2023-06-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX Balance : {$4600.00} ; XXXX XXXX Balance : {$520.00} ; XXXX Balance : {$840.00} ; XXXX XXXX Balance : {$520.00} ; XXXX XXXX XXXX Balance : {$2200.00} ; XXXX XXXX : {$840.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX Balance : {$5500.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$270.00}.
Consumer complaint received 2023-07-27
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: Paypal Holdings, Inc (TX)

XXXX is in violation of ( 15 U.S.C 1681 ( b ) ( a ) 3 ( f ) ( i ) ; for unlawfully obtaining my XXXX Consumer Report on ( XX/XX/2021 ) without my written authorization or permissible purpose under the Fair Credit Reporting Act and its guidelines. It has been more than 60 days since they were notified of their violation and they have not provided me a copy of my written authorization I gave them or permissible purpose.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies in reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards. As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, that you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that no law says you need to provide a Power of Attorney to delay processing letters from a consumer. If you do not process my letters promptly, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action. 

Summary of Accounts being challenged in list form XXXX XXXX - Account NumberXXXX Please remove from my public record XXXX  - Account Number : XXXX THIS CONTRACT IS CANCELED XXXX XXXX  - Account Number:11200041**** This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove it from my credit report.
Consumer complaint received 2021-03-01
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: ALLY FINANCIAL INC. (CA)

There is unknown hard inquiry on my credit report. Im requested the verification of the inquiry and the method of verification. ALLY FINANCIAL Inquired on XX/XX/2019. This is my second request. For the first time no response came in 15 days. ompanies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated this inquiry.
Consumer complaint received 2020-07-17
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. (AR)

This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. XXXX  XXXX {$16000.00} XXXX   XXXX {$1100.00} XXXX/XXXX  XXXX {$410.00} XXXX/XXXX XXXX {$420.00}
Consumer complaint received 2020-07-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

Portfolio Recovery Associates ( PRA Group ) has been attempting to collect on debts that were settled with original creditors. They have tried to collect on credit card/telecommunications accounts for several years and refuse to remove these settled/paid accounts from my credit report. It is fraudulent to attempt to collect on paid debts.