davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I value your help to DELETE some items from my credit report that transpired because of a FRAUD yet I have certain items passed on that should be REMOVED. Per FCRA segment 605 you are supposed to clear any data recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've informed my lawyer regarding my intentions and they are eager to consider you responsible for your negligence. 
XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$510.00} ; XXXX XXXX Date of inquiry XX/XX/2020 ; XXXX XXXX XXXX Date of inquiry XX/XX/2020 ; XXXX XXXX XXXX  Date of inquiry XX/XX/2020 ; XXXX XXXX  Date of inquiry XX/XX/2020 ; XXXX  Date of inquiry XX/XX/2020 ; XXXX Date of inquiry XX/XX/2020 ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$500.00} ; XXXX Date of inquiry XX/XX/2020 ; XXXX XXXX XXXX XXXX XXXX, LA XXXX ; XXXX XXXX XXXX XXXX, LA XXXX
Consumer complaint received 2023-05-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (IL)

I used to pay the advance due every month regarding the house mortgage, but one day I was not able to pay the mortgage due, but after three months I said to them, Can you help me to divide the three months for me to pay extra for each month? They don't accept.and we working hard to get money to save the house. only one week to sell My house. I sent to them the money They changed me with interest and the right of a lawyer, who was big amount, and after all this effort in order to save my house in which we lived as a husband, wife and XXXX  children, and I think the amount exceeded {$12000.00} and I continued to pay them every month, so they changed the bank for me to another bank without our knowledge and without To sign any paper, thank you If you need more information let me know I can explain more butter
Consumer complaint received 2022-08-20
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. (AL)

XXXX accordance with the Fair Credit Reporting Act XXXX Account # 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 instruction.
Consumer complaint received 2022-07-29
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have submitted disputes to you and I didn't get a response within 30 days and you are required by law to do so. Please investigate my disputes, please. Thank you.
Consumer complaint received 2022-07-29
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I have submitted disputes to you and I didn't get a response within 30 days and you are required by law to do so. Please investigate my disputes, please. Thank you.
Consumer complaint received 2022-07-29
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. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # 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 2022-11-06
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I attempted to challenge Experian and XXXX as to factual incorrect information they each reported. I attached factual records. They completely ignored the question and the did not in either investigations attempt to rectify and inaccuracies. I will attach both the dispute responses. And in those previous challenges you will find the other attached records that factually disprove their reporting and how even in their responses willful illegal activity and reporting willful violations to harm my character and reputation. I DID NOT ASK THEM TO PARROT INFORMATION already disputed incorrect information FROM THE CREDITORS. I ASKED EACH TO EXPLAIN WHY THEY WILLFULLY REPORT INACCURATE INFORMATION I PROVED TO BE INACCURATE. So neither agency handled with the investigation properly and neither answered my challenges. Who is holding them accountable?????? 

Experian is willfully reporting account as charge off monthly XXXX XXXX willfully parrot the incorrect information they receive to harm me. 
Along with many other inaccuracies they CAN NOT 100 % verify. 

I did not give either agency my written nor verbal consent to report publicly any of the account I challenged. 

I ask that they follow the law and that they be held accountable for damaging my life and ability to find a place to live. They are violating my privacy and due to their lack of investigation they are doing so willfully. Attacked is the previous CFPB complaint that will still have all the attached questions and challenges. A reinvestigation is supposed to not parrot incorrect information and inaccurate accounts. THATS EXACTLY WHAT THEY DID BY THEIR own ADMISSION in the first response in the challenge through XXXX THEY said they simply asked to original creditor. They admitted to parroting which is against the law and FCRA when conducting a reinvestigation. They are to conduct a reasonable reinvestigation. And use all relevant documents given by the consumer. They did not and therefore willfully broke the law. I want all challenged information. Removed. Attached also are the original credit reports proving the inaccurate information and reporting. Lastly, attached are the original complaint in word document.
Consumer complaint received 2024-04-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (UT)

In XX/XX/2023, I made a {$3000.00} payment from my bank to my student loans ( posted XX/XX/2023 ). The loans are serviced by EDFinancial ( edfinancial.studentaid.gov ). 

According to their website they would apply the amount first to the loans with the highest interest rate up to the amount owed, then to all subsequent loans following the same process. The exact policy is detailed here : https : //edfinancial.studentaid.gov/help-center/how-payments-are-applied However, they completely ignored their own policy and applied the entire {$3000.00} payment to a loan with a lower interest rate and a lower account balance. This resulted in the loan being overpaid by {$930.00} on XX/XX/2023. 

I contacted them within the same month ( XX/XX/2023 ) to request that they move the over-payment to XXXX of the other loans that still had a balance. They said that the amount would be transferred within 30 days. 

30 days passed and no transfer was made. I contacted them again and was simply told that there is no time table for the overage amount to be applied to a different loan. 

XXXX months have passed and I have continued to contacted them multiple times. There is still no resolution nor timetable for resolution. 

They are apparently still charging me interest on a loan amount that should have been paid ( but they messed up ). 

I would like to pay off the loans, but can not do so until the overpaid loan is closed and the overage amount is applied to a different loan.
Consumer complaint received 2022-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following item listed below which is reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block the following account as it was fraudulent & was opened without my consent or knowledge XXXX XXXX Date Opened : XX/XX/2010 Balance : {$0.00}. 

If you claim this account are 100 % accurate and verifiable then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.
Consumer complaint received 2022-08-20
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: Experian Information Solutions Inc. (TX)

I have identified information on my consumer credit file that is a direct result of identity theft. These items on my consumer report are not related to any transactions unknowingly authorized. There are variation of companies name, account numbers are incomplete, variations of balances. If there are 36 entries on my consumer credit file combine with all three of the major consumer reporting agencies which are XXXX Experian and XXXX XXXX. My Social Security number, my date of birth and other sensitive information has been compromised by all three major credit reporting agencies which include XXXX Experian and XXXX XXXX all three agencies have had data breaches. Within the last 60 days some of these transactions have appeared on my credit file. On XX/XX/2022 my credit score has plummeted over 100 points. 

SEE ATTACHMENTS
Consumer complaint received 2022-12-29
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. (CA)

Hello I called transunion about a week ago I dont remember the exact date, I let an agent at transunion know that they are furnishing nonpublic personal information which is personally identifiable financial information on my consumer report which includes account numbers, payment histories, transunion does not have my consent or written authorization to furnish my nonpublic personal information to any non affiliated third parties, i am a federally protected consumer who has a right to privacy I have been damaged because of my nonpublic personal information be furnished when I try to obtain a financial product or service, transunion is subject to the FTC rule making authority and I would like for them to delete my nonpublic personal information which includes payment histories and information from a consumer report persuant to 16 CFR 313.3 ( o ) ( 2 ) ( G ) please delete any nonpublic personal information from my report
Consumer complaint received 2022-07-29
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. (CA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX and Account # 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.
Consumer complaint received 2021-02-24
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Four Directions Lending LLC (IL)

The company is : West Side Lending, LLC XXXX XXXX XXXX XXXX, WI XXXX Phone : XXXX westsidelend.com XXXX XXXX XXXX XXXX, WI XXXX ( Toll Free : XXXX ) ( Finance : XXXX ) ( Tribal Dispute : XXXX ) ( Fax : XXXX ) Loan # : XXXX Agreement Date : XXXX Effective Date : XXXX Name : XXXX XXXX Address : XXXX XXXX XXXX Street City : XXXX State : IL, Zip : XXXX Phone : XXXX Email Address : XXXX Annual Percentage Rate : 772.19 % Finance Charged : {$2600.00} Amount Finance : {$400.00} Total of payments {$3000.00} I have made 10 payments of {$59.00} And ONE payment of {$25.00} ALL ON TIME NEVER LATE!!! 

THEY REFUSE TO CLOSE OUT THE ACCOUNT. SAYING I OWE UNTIL XXXX After they specifically said if I borrow XXXX. I would pay back XXXX. 
So far I paid XXXX for a XXXX Loan!!! Please HELP ME THIS SCAM IS DRAINING MY BANK ACCOUNT FAST.
Consumer complaint received 2021-02-24
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: Bread Financial Holdings, Inc. (MD)

On XX/XX/2021 I received a letter re : XXXX from Comenity Capital Bank indicating that my application for a XXXX XXXX XXXX XXXXXXXX Mastercard was denied because I had to many credit inquiries on my account. My credit score was XXXX as of XXXX XX/XX/2021 and I have other credit products with Comenity Capital Bank. Around that time, I was shopping for companies to refinance my home. Makes no sense that this company would deny my application especially if I have accounts and an impeccable credit history. I believe other issues are at hand because this makes no sense whatsoever.
Consumer complaint received 2021-09-09
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. (MD)

US DEPT OF EDU Account # XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX Account # XXXX I did not open these accounts. I was never made aware of the opening of these accounts. I have never knowingly paid any money toward these accounts. These fraudulent accounts are being inaccurately reported by XXXX, Transunion, and XXXX. US Department of Education and XXXX XXXX XXXX XXXX are harassing me for payment but have never responded to my disputes or validated these debts. It has been well over 60 days since I disputed these accounts. I have not received a response. Remove these account immediately or I will sue. My right to privacy has be violated repeatedly. I have not gave anyone permission to furnish this information on my consumer report. My information has been violated by the XXXX Data Breach. I am a victim of identity theft. I have submitted multiple copies of my identity theft report and they refuse to block this information from my consumer report. No debt collector has provided me with documentation of my signature validating these accounts. I have submitted affidavit. This information needs to be removed IMMEDIATELY.
Consumer complaint received 2022-08-20
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ZWICKER & ASSOCIATES (MO)

Zwicker and Associates notified me in the spring of 2022 that they had taken on my account from XXXX XXXX XXXXXXXX XXXX. I been in a year long payment arrangement that I paid diligently on time. Then when the arrangement ended, I had been forced to change to a lesser paying job, then go part time, then not work at all due to health issues surrounding XXXX XXXX and survival of XXXX with complications. I offered Zwicker and Associates a payment plan that was the highest amount I could do without any net income. I faxed this and outlined it to them on three different occasions including yesterday, XX/XX/XXXX, after finding out through the internet and soliciting attorneys that Zwicker had filed suit against me on XX/XX/XXXX in XXXX XXXX court. They have not, to this day, provided any notification of this filing to me. I only learned of it through other attorneys wanting to represent me in this hearing! I contacted XXXX XXXX in the XXXX XXXX for Zwicker via email outlining my request for settlement and notifying him that I had not been notified by them or the court of the lawsuit and had found out by chance. I made a settlement offer. 

This complaint is due to the fact they Zwicker and Associates filed a lawsuit against me to serve judgement for the debt I own to XXXX and did not, to this writing notify me of the suit, therefore, it would have ended in a default judgement because I never knew the suit was filed.
Consumer complaint received 2021-02-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Automated Accounts, Inc. (OR)

Received a collection agency notice from AAI stating I owed XXXX University over XXXX XXXX in outstanding tuition. This is strange since there is XXXX XXXX in interest, and there has never been any other correspondence through AAI until the statement dated XX/XX/21. Also erroneous since I have never attended this institution nor have I ever registered. The claim seems legitimate since they collection agency has my name and address correct but no other proof is disclosed. Typically, when receiving invoice I question the intent, the amount and even the validity before responding.
Consumer complaint received 2022-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

It has been proven that you are not abstracting records when I sent a copy of 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 XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$3400.00} US DEPT ED XXXX Balance : {$4800.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$8400.00}
Consumer complaint received 2022-07-29
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I'm a natural person, There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 
The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. 
The term file, when used in connection with information on any consumer, means all of the information on that consumer recorded and retained by a consumer reporting agency regardless of how the information is stored. 
The term employment purposes when used in connection with a consumer report means a report used for the purpose of evaluating a consumer for employment, promotion, reassignment or retention as an employee.
Consumer complaint received 2022-10-18
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

I am submitting this complaint because Portfolio Recovery Associates furnished a deceptive form to create a false belief that a creditor was attempting to collect a debt but in all reality this was not true. Portfolio Recovery sent me a stack of statements claiming that I owed them a debt but when I reached out to the Creditor they said the debt was charged off and they were no longer trying to collect. Portfolio Recovery shared statements and a consumer Contract as evidence of debt but as per judgement in the case of XXXX XXXX XXXX XXXXXXXX a copy of a consumer contract is not sufficient evidence of debt. Portfolio Recovery is also treating me unfairly because they never disclosed the correct mailing address to get in contact with them. They have different addresses listed and they do not clearly disclose how to dispute or verify items with them. I am also sending in a complaint to put the CFPB on notice that Portfolio recovery is trying to collect a debt in the state of Tennessee which they are not licensed to do business in. XXXX XXXX XXXX confirmed that Portfolio Recovery is not licensed in the state of Tennessee which is a violation of 15 USC 1692-Abusive Practices
Consumer complaint received 2022-06-27
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NC)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.