davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-04
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. (LA)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. 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 XX/XX/XXXX {$660.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX  XXXX XX/XX/XXXX {$750.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX  XXXX XXXX XX/XX/XXXX {$280.00} XXXX XXXX XXXX XX/XX/XXXX {$730.00} XXXX XXXX XXXX XX/XX/XXXX {$1100.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX  XXXX XXXX XX/XX/XXXX {$9100.00} XXXX XXXX  XXXX XX/XX/XXXX {$830.00} XXXX XXXX XX/XX/XXXX {$630.00} XXXX  XXXX XX/XX/XXXX {$680.00} XXXX  XXXX XXXX XX/XX/XXXX {$420.00} XXXX  XXXX XX/XX/XXXX {$3500.00} XXXX XXXX XXXX  XXXX XX/XX/XXXX {$630.00} XXXX  XXXX XXXX XX/XX/XXXX {$2200.00} XXXX  XXXX XX/XX/XXXX {$650.00} XXXX  XXXX XX/XX/XXXX {$640.00} 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-11-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: GREAT LAKES (TX)

Trying to pay for student loans in MyGreatLakes.com requires a PHD in shadiness to not get scammed. My account is 3+ years paid ahead, I make minimal monthly auto payments and one time additional payments each month. I have now 4 loans vs. 5 after making several large one time payments to pay off the loans. What was scammy about the process is realizing the timing of when additional payments are made can have significant impact on how the additional amounts are applied to the principle and ultimately impacting the amount of interest you pay in total. Simply clicking on the screens to have 100 % of your payment directed to a specific loan, doesn't always end up the way you think! 

Why would it matter if you are paid ahead is what conventional logic would suggest. Because you aren't shady like My Great Lakes, you don't understand. Here 's what I've come to realize.. 

If you want to pay ahead and have the additional payments directed at your specific loan ONLY ( vs. peanut butter spread ), you need to meet your monthly minimal and any interest accrued. 

XXXX Example : your loan payment is due on XXXX of the month - XX/XX/XXXX- Minimum payment applied. $ spread like peanut butter across all loans as expected. 
- XX/XX/XXXX - additional payment applied. $ considered payment to next month but still peanut butter spread across all loans even though you tell them it is to be 100 % directed to a specific loan even if the amount you set for additional payment is higher than the monthly minimum payment. Scam. You'd think just the amount up to the minimal payment amount is spread like peanut butter but nope ... the whole thing. 
- XXXX - additional payment applied and you are now paid ahead for next mont. Only now will your payments be 100 % directed as you choose. 

_______________________________________________________________________ The above is still true even though I'm 3 years paid ahead. SCAM. SCAM. SCAM. 

So beware. When paying ahead, schedule the additional payment on the same day as the monthly due date OR make multiple payments to 'test ' the waters to confirm the payments are getting correctly allocated.
Consumer complaint received 2021-04-22
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. (CA)

I hope you can help with the issues I am having with the credit bureaus. Back in XXXX I sent in disputes to the credit and I havent received anything from them. Here is a list of what need to come off my report. 
XXXX XXXX ( XXXX ) is over 7 years old and needs to be remove XXXX XXXX XXXX XXXX ( XXXX ) this is not my account XXXX XXXX XXXX ( XXXX ) is 7 years old and needs to be remove XXXX XXXX XXXX ( XXXX ) this is 7 years and needs to be remove. 

I have attached copies of the disputes from XXXX too. 
These things should already be off my report I dont understand why are they still on there after I disputed them.
Consumer complaint received 2023-08-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (GA)

Convegent Outsourcing is reporting a debt on my XXXX and XXXX reports that XXXX has removed. 

This debt was disputed and the credit bureau had a certain amount of time between 30-45 days to validate this debt if not removed. The debt was not validated within said timeframe and therefore XXXX removed the debt. 

The original credit sold that debt and had a new debt collector report it under bogus reasons as validated. 

FCRA gives creditors a certain amount of time to validate a debt and in that time of not done the debt shall be removed. 

Follow suit protocol has not been followed and this is a violation of my rights. 

I do not have a contract with this company nor can they produce a contract I ever signed with their business. 

This debt needs to be removed off my remaining two creditors reporting system.
Consumer complaint received 2023-02-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (MA)

This card is eligible for a {$10.00} statement credit each calendar month when used to pay an eligible phone bill. 

I used this benefit without issue every month in XXXX and XXXX so far, and every single time the {$10.00} credit posted to my account within no more than 7 days. 

However, I have not yet received the credit for a {$10.00} XXXX XXXX charge from XX/XX/XXXX despite it being over 9 weeks since then. 

I have contacted American Express multiple times to get this cleared up, and have gotten answers including " you're right, we'll apply the credit to your account in a few days '' ( which never happened! ), " you're wrong, the credit posts for the previous month every time '' ( which isn't true ), and " we opened a case [ XXXX ] to investigate '' ( which they claim is still ongoing ).
Consumer complaint received 2022-12-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: ALLY FINANCIAL INC. (CA)

Dealer was very pushy and refused to let me read the contract on his computer screen. After signing contract with dealer consumer contract was transferred without my knowledge. I found out credit was extended through Ally Financial. I made the first payment online using my debt card before due date. I then submitted a negotiable instrument transferring my interest in note to Ally to apply interest to the principal. Ally received payment instrument and instructions for the trustee and did not comply with the RICO Act, TILA, CFPA, or the UNIFORM COMMERCIAL CODE. Ally did not present the instrument and did.not have a qualified third party dishonor the instrument in writing nor did they allow me an opportunity to Cure the Dishonor Ally placed my account in fraud status and has refused to allow me to make payments as I had made first one. This was not in the original contract and I as Beneficial Owner have not agreed to any such changes. Again a violation of Regulation Z and the RICO Act. I requested a Billing Dispute but have not been offered remedy by Ally.
Consumer complaint received 2023-02-21
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. (FL)

I have sent A credit report dispute form to your company due to fraudulent inquiry 's reporting on my credit report. I have sent this via Certified mail to you as well as attached it here to view. I am requesting ALL be removed as i have reached out to the credit reporting companies and your credit reporting bureau with no resolution. This is my last attempt before having to contact an attorney to resolve this issue.
Consumer complaint received 2021-05-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BMO Bank, N.A. (TX)

Nearly a month after closing the account BMO Harris sent a cashiers check to me. I tried to cash this check at two locations that deal with cashing checks. Both of these places said the check could not be verified even after calling BMOHarris. 
I then tried to deposit this online to my bank they replied that they could not cash this check and that I should check with the person that issued the check. 
BMOHarris people have not called me back and I have called at least three different people. I was told Id be called back within an hour and that never happened. 
Once I wrote on the back of the check that it was for electronic deposit to my bank, no other check-cashing service will touch this check now.
Consumer complaint received 2024-10-22
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credence Resource Management, LLC (CA)

In XX/XX/year>, I received services from an ambulance provider, XXXX XXXX XXXX XXXX XXXX My insurance provider, XXXX XXXX processed the claim and determined that my responsibility for the services was {$320.00}. This amount is clearly outlined in the Explanation of Benefits ( EOB ) from XXXX, which provided a breakdown of the services, the insurance coverage, and my share of the bill. 

However, I have been repeatedly contacted by a debt collection agency, Credence Resource Management, which claims that I owe {$560.00} for the same services. This amount is significantly higher than the {$320.00} determined by my insurance provider. The discrepancy appears to be related to a {$230.00} plan discount that XXXX applied to the total bill, but which the collection agency is disregarding. 

I have disputed this debt multiple times with the collection agency, starting from the first notice I received in XXXX. Each time, the collection agency responded by sending a one-page bill from the ambulance company, which does not explain the discrepancy between the amount they are trying to collect and the amount my insurance company states I owe. Despite my multiple requests for detailed debt validation and clarification, the collection agency continues to insist that the charges are valid without providing any additional explanation or documentation. 

As a result, I am now seeking assistance in resolving this issue. The collection agency has not provided adequate evidence or a valid explanation for the higher amount they are claiming. I am only responsible for the amount determined by my insurance provider, which is {$320.00}. 

Key Dates : Service date : XX/XX/year> XXXX claim processed : Shortly after service date, total responsibility determined to be {$320.00} First notice from Credence Resource Management : XXXX, amount claimed {$560.00} Multiple disputes sent to Credence Resource Management : From XXXXXXXX  to present, collection agency responses provided no clarification or detailed validation. 
Amounts : Amount billed by ambulance provider : {$3100.00} Amount covered by insurance ( XXXX ) : {$2600.00} Plan discount ( XXXX ) : {$230.00} My responsibility ( as per XXXX XXXX ) : {$320.00} Amount Credence is attempting to collect : {$560.00} Despite following up several times, I continue to receive the same vague response from Credence Resource Management, and they have not acknowledged the discrepancy between my insurances determination and their claim. I am seeking resolution of this issue, so I am only responsible for the correct amount of {$320.00} as determined by my insurance.
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX Balance : {$22000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$19000.00}.
Consumer complaint received 2023-08-10
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. (FL)

For the record, there was no response and negative information is being erroneously included on my report, as I have advised you on two separate occasions, more than 45 days and again 5 days ago The investigation took longer than 50 days. This is a Direct Violation of Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( a ) As you are well aware, federal laws requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ) I am maintaining a careful record of my communications with you on this matter, for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp, No. 95-6445 ( C.D. Cal Nov. 14, 1995 ), you will be liable for your willful non-compliance. Please Remove All Fraudulent accounts as I have no knowledge of these accounts due to the XXXX XXXX XXXX Identity theft. All is being investigated by the FTC I am also keeping the companies listed below informed for your willful non-compliance : CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX  CC : State Senate CC : Federal Deposit Insurance Corporation CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints
Consumer complaint received 2021-12-16
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: Experian Information Solutions Inc. (IL)

I, the consumer, have identified multiple unauthorized inquiries with either open, closed, or no accounts. Whenever I call XXXX, XXXX, or Experian about this issue I am told that the inquires are accurate ( when they are not ) and I should add an identity theft ( which I do not want ) alert on my credit profile. XXXX, XXXX, or Experian can not furnish factual or nonfactual information that is a result from a transaction that arose from my credit card. First, I, the original creditor and consumer can verify what is and what is not accurate. I never gave XXXX, XXXX, or Experian the authority or permission to furnish or update a credit report on my behalf. They did not inform me with me first about any of the inquires or updates before verifying that it is mine. This has been going on for almost 2 years and I am extremely tired of this. I submitted an identity theft report several times and still being taken advantage of XXXX, XXXX, and Experian credit reporting agencies. I am a natural human being and I have more power and rights that any person who consider themselves a business or organization. XXXX, XXXX, or Experian are criminally and civilly liable for reporting inaccurate inquires.
Consumer complaint received 2023-05-24
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)

I am writing to inform you that I have received a copy of my credit report and it has come up with some errors. You reported several wrong personal identifiers in the file, which may jeopardize my identity if they are not changed immediately! 
I want this resolved as soon as possible so please remove all inaccuracies from your records before any bad consequences happen because these things can really harm someone's life. 
My only name is XXXX XXXX, I do not have another name or alias. I insist that you remove all names from your system that do not match XXXX XXXX. 
Also, my current address is XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX! I am requesting that the information in my file be updated to reflect only my current correct address. Any address that you have on file for me that deviates from XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX is not accurate and should be removed immediately. 
I also ask that you remove any employers and phone numbers associated with my credit report. I do not AUTHORIZE you to retain or report any information, which consists of unverified claims about myself being potentially outdated or inaccurate. 
Please do not use old or incorrect information about me. I understand that you must complete this update within 30 days of receipt of my letter, which means it's imperative we get everything accurate!
Consumer complaint received 2023-08-10
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. (FL)

Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please update the following accounts completely from my credit reports.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-03
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 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, ACCOUNT NUMBER : XXXX, BALANCE : {$5700.00}, XXXX XXXX, ACCOUNT NUMBER : XXXX, BALANCE {$470.00}, XXXX XXXX XXXX, ACCOUNT NUMBER XXXX, BALANCE {$8200.00}, XXXX XXXX, ACCOUNT NUMBER : XXXX, BALANCE {$170.00}, XXXX XXXX, ACCOUNT NUMBER : XXXX, BALANCE {$23000.00}, XXXX, ACCOUNT XXXX XXXX BALANCE {$500.00}, XXXX XXXX XXXX, ACCOUNT NUMBER : XXXX, BALANCE : {$250.00} INQUIRIES : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX 15 U.S.C 1681 section 602 A. States I have 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 2023-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

Dear Sir/Madam, I am writing to bring to your attention a serious issue concerning my credit report. It has come to my attention that inaccurate information has been added to my credit report, even though it had previously been deleted in compliance with credit law. I believe this act to be illegal and in direct violation of consumer protection regulations. 

I have been diligent in monitoring my credit report and maintaining a good credit history. Recently, I discovered that [ describe the specific inaccurate information that was added, such as a previously deleted account or false late payment ]. This inaccurate information is damaging my creditworthiness and negatively affecting my ability to access credit, obtain favorable interest rates, and even secure certain employment opportunities. 

I would like to bring to your attention the relevant credit law provisions that support my request for the immediate removal of this inaccurate information from my credit report. Specifically, the Fair Credit Reporting Act ( FCRA ) mandates that credit reporting agencies maintain accurate and fair credit reporting practices. It also states that consumers have the right to dispute inaccurate information and have it investigated and corrected or removed within a reasonable time frame. 

Based on the FCRA and other applicable credit laws, I kindly request that the Consumer Financial Protection Bureau take immediate action to investigate this matter and ensure the removal of the inaccurate information from my credit report. I have attached copies of the relevant supporting documents, including any correspondence regarding the previous deletion of this information. 

I understand the important role the Consumer Financial Protection Bureau plays in safeguarding consumer rights and enforcing fair credit reporting practices. I trust that your expertise and dedication to consumer protection will ensure a swift resolution to this matter. I kindly request that you notify me of the steps being taken and keep me informed of the progress. 

Thank you for your attention to this urgent matter. I eagerly anticipate a prompt and satisfactory resolution to this issue. Please feel free to contact me if you require any further information or clarification. 

Yours sincerely,