davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

When covid first started I called after and asked for a defferal. I was given a partial payment defferal of XXXX a month. I paid it on time every month. Around XX/XX/XXXX I called because my credit report showed that all my payments were reporting as late for all of the defferal months. They told me that this was a common mistake and they would fix it. In month or two it was reporting as it correctly in deferral and on time. Around XX/XX/XXXX it was back on there again. I called them again and they said they would straighten it out. They fixed it again and it was shown in defferal status, around the beginning of XXXX. I called in end of XXXX for an extension of the defferal. It was supposed to end XXXX. They granted me another defferal for XXXX a month. I went online in XXXX to pay my account on their website. It showed that my account was charged off and the full balance of XXXX and some dollars was due in full. I called them and they said it was nothing they could do but settle, the whole balance for XXXX percent of it. I told them I did not have that kind of money. I also checked my credit report and it showed that I was never in a defferal and all the lates were on there from XX/XX/XXXX. It was showing that I have not paid in over six months. I am also trying to refinance my house because my covid forebearance is ending. I can not due to my credit score and status. My credit score had been over 700 before this. I am bow in the 500s. I also just went on and paid them the full monthly payment of XXXX for the past couple of months on time. They told me that they never agreed to an extended defferal. But I also made the regular payments on time and they still charged the account off and messed up my credit. I have the proof to show.
Consumer complaint received 2022-09-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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, MD XXXX XXXX XXXX XXXX  : # XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX Has as 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 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 an accurate.
Consumer complaint received 2022-09-24
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. (CA)

Experian Information Solutions is reporting inaccurate information on my consumer credit report and I have requested EVIDENCE AND VALIDATION of documents of the alleged debts. 

Reinvestigation is required as EXPERIAN INFORMATION XXXX did not provide documents under 15 U.S Code 1681 ( i ). 

If EXPERIAN INFORMATION SOLUTIONS continues to report inaccurate information on my consumer credit report that is not proven and VERIFICATION OF THE DOCUMENTS OF THE ALLEGED DEBTS can not be provided, as a written notice of the requested evidence. 

EXPERIAN INFORMATION SOLUTIONS, must under 15 U.S Code 1681 ( i ) 5 ( A ), promptly delete the item/s from the consumer, XXXX XXXX credit reporting file.
Consumer complaint received 2022-09-24
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXXXXXX XXXX XXXXXXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXXXXXX XXXX XXXXXXXX, Account # XXXX XXXX  XXXX, XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXXXXXX XXXX Account # XXXX XXXX XXXX XXXX, Account XXXX XXXXXXXX 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 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I don't know how many times I had sent letters to TransUnion to delete the information that is not accurate on my credit report and they are not even sending me a validation letter. I don't even see that the account is been investigated. Every month I send a letter and no response from them.
Consumer complaint received 2022-05-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (AZ)

I notice that I have some errors in my credit reports and it keeps me annoyed, I want you to remove this fraudulent account asap. 
CONVERGENT ( Original Creditor : XXXX XXXX XXXX ), balance is {$690.00}, and account # XXXX
Consumer complaint received 2022-05-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

BANK OF AMERICA has failed to send me a response with my requested information for alleged collection account XXXX within the first five initial days of receiving my dispute. I have already been suffering enough with this inaccurate data on my credit report, I prepare ways to circumvent talking about my financial status or shortcomings with everyone from family members to co-workers causing changes in the relationships that have shaped my life until this day. The stress that comes with this alleged debt ruining my creditworthiness can not be managed. As a single mother, the financial expectations I am required to meet are unimaginable and it is a no-brainer that if I had the financial boost that good credit offers I would be in better shape to face daily challenges that come with my current predicament. 

Due to lenders turning down my applications I was forced to move out of my original state and ended up at my current address with no family or close friends to vent to leaving me visiting more social programs to help me deal with my stress and anxiety. Now that I contact this company about this alleged debt there is no response?? 


furthermore BANK OF AMERICA is also reporting this alleged debt as an " Account '' which is inaccurate according to USC Title 15 1693A2 Therefore at this point this collection agency is knowingly furnishing false data on my credit report in violation of15 U.S. Code? 1692e. False or misleading representations and I demand them to Cease and desistfurnishing this alleged debt and notify all credit reporting agencies to delete it immediately.
Consumer complaint received 2022-04-27
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. (FL)

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint, not some company or not any other third party. My information was impacted by the XXXX data breach and many different fraudulent items that I don't recognize have shown up on my credit report. All are being investigated by the FTC.
Consumer complaint received 2022-09-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc. (MO)

Experian is Reporting False and Misleading Credit information on my Credit Report I have reached out 2 to 3x in this matter Now this is and has been a violating code 15 U.S.C 1681. The Account in this matter is as Follows : * XXXX - this company is in Violation of section 807 and 15 U.S.C 1681 and Violation 15 U.S.C 1692E and Violation 15 U.S.C 1692F and 15 U.S.C 1692D and Violation of Regulation F 100.14 and Regulation F 1006.34. this account is now involved in litigation documents attached.
Consumer complaint received 2022-08-13
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. (MD)

I have submitted disputes to you and I didnt get a response within 30 days and yall are required by law to do so. Please investigate my disputes please. Thank you.
Consumer complaint received 2021-09-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (GA)

Have reached out several times trying to get documents because I was told that I took out a second mortgage on the home but I did not and ask for the documents where I would have signed if I did. I have not received any documents to support this. After several calls I was sent some documents stating that If I think that I have been a victim of Identity thief then take these documents to the nearest police department. I have not received any documents with my signatures on a second mortgage and I want the amount of {$9600.00} to be removed from my mortgage immediately.
Consumer complaint received 2022-05-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (CA)

On XX/XX/2022 I received notice from my company that {$600.00} will be garnished from my wages and will continue to be taken until {$16000.00} is paid off. This was the first time i herd of such a debt, i had never received any previous contact or information regarding this debt priory to this date. The companies involved were XXXX originally and now being handled by Midland Credit Management. I have purchased Cars previously and this has never come up on my credit report.
Consumer complaint received 2022-05-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (RI)

I have been paying off my loans since XXXX on a income based plan managed by Navient. Almost none of what I've paid was applied to the principal. I know there is a settlement about this and I need to know if I am eligible as a recipient
Consumer complaint received 2022-09-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My name is XXXX XXXX. I have a checking account with Bank of America. And I have another account with the name of XXXX XXXX who is my son ( minor ) and I can manage my son 's account with all activities. On XX/XX/2022 around XXXXXXXX XXXX while I was driving back home, I noticed my Bank of America app on my phone was notifying, so I stopped to check and the app was telling me that there has been several unsuccessful attempts to log in to my account, so for me to log in I have to change my password and username. After doing that I found out that there was one unauthorized transfer from my son 's XXXX XXXX 's account to my own checking account with the amount of XXXX USD and to make it worse I noticed four unauthorized XXXX transfers from my checking account with the amount of XXXX USD. I immediately called the bank and they told me to change the password and the username immediately and I gave them all the information about this incident and the person who was talking to me told me that in ten to eleven business days I'll be credited with temporary amount for this occurred fraud, till this investigation is concluded. After two to three weeks I received two emails and two letters from Bank of America stating that the case is closed and that they found out that there was nothing suspicious, well in this case I strongly disagree with the Bank 's investigation. Because of the following points : 1.It is suspicious that I'll do four XXXX transfers from my account to the same person whom I do not know and when I asked the Bank about his phone number or who he is or his contact, the Bank gave me no answer so far. 
2.Usually when there is a XXXX transfer I receive a text message and an e-mail, checking my text message and my e-mail I did not find anything, and when I asked the Bank about why I didn't receive and e-mail or a text, they said that the e-mails and the text were deleted instantly. I strongly feel suspicious about this activity, transferring to the same person at the same time frame, and deleting all e-mails and texts, the Bank however should have sent all corresponding e-mails, that they've received or sent, instead of telling me that it was instantly deleted. This is highly evident that I've been a target to fraud, and the bank is not cooperating or launching a real investigation with all the their tools and means of investigation. 

In conclusion I lost XXXX USD through unauthorized transfers from my checking account. I hope you can help me to recollect my money back. 

Best Regards, XXXX XXXX
Consumer complaint received 2022-09-24
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (CA)

My mortgage company has placed purchased insurance coverage on my behalf. The cost of this insurance was passed on to me through as an increase in my monthly mortgage payment. They said : To avoid this increase, you can easily provide us evidence of insurance by uploading your policy. 

Ive had continuous insurance coverage and called to provide proof of insurance to stop the additional charge that has dramatically increased my auto mortgage payment. They informed me that the only way to do so was via a website. The website has told me every time Ive logged in and tried to load proof that the web said has said Upload temporarily unavailable. 

I and my insurance provider has called ( after trying to fax the proof of insurance and the fax line failing ) the mortgage provider and the long hold times has led to random impromptu disconnection. The proof of insurance website has never allowed me to load documents though I can log in. My mother is a coborrower and elderly and she does not have consistent access to the technology. 

My payment has been erroneously and dramatically increased. Auto debited. And no remedy is available to me. I need help, my livelihood is impacted. 

We cant reach anyone via phone call most of the time. The fax line has not worked when we tried it. The website to load the documents has not worked 100 % of the time that Ive tried. And they are auto debiting my account for more than the amount I agreed to when I signed up for autopay.
Consumer complaint received 2022-05-04
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. (NY)

On XX/XX/XXXX, XX/XX/XXXX I sent letters to Experian, XXXX XXXX XXXX XXXX ; Requesting VALIDATION of the following inquiries that never had a permissible purpose according to the FDCPA LAW - They have never responded and clearly have violated my consumer rights. 

XXXX XXXXL XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX BANK XXXX XX/XX/XXXX & XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX XXXX  XXXX XXXX XX/XX/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
Consumer complaint received 2022-05-04
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

On XX/XX/2022 I sent out a letter to all 3 credit bureaus ( XXXX, XXXX, Experian ) about them reporting several inaccurate names and addresses. I received a response from XXXX on XX/XX/2022 that had an issue date of XX/XX/2022 acknowledging the receipt of my letter but questioning if I had sent the letter or had help. I decided to call of 3 on XX/XX/2022 to request that the incorrect names and addresses be removed. XXXX said they removed all incorrect names and addresses. XXXX said they removed all incorrect names and addresses. When I called Experian, I spoke with a representative XXXX stated to me " Though you say that name is not yours it is being reported by a creditor and therefore we can not remove that name. '' I stated, " but it's not my name '' and he reiterated that he can not remove the incorrect name. After going back n forth for 10 minutes I asked if I could speak with his supervisor. He continued to insult me and tell me I don't know my laws and refused to put a supervisor on the phone before asking me to hold and then hanging up after placing me on hold.

According to 15 USC 1681s-2, reporting information that a consumer reporting agency is aware is inaccurate after notice by consumer that the information is inaccurate violates consumer rights and therefore Experian is not in compliance.
Consumer complaint received 2022-05-04
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: HYUNDAI CAPITAL AMERICA (KS)

We refinance our car loan with Kia Motors Finance through our local credit union. Our credit union sent the funds on XX/XX/XXXX and confirmed that the funds were received by XXXX on XXXX. We called on XX/XX/XXXX, XXXX and XXXX to confirm if XXXX had received our funds and applied the payment to our account as our payment was due on XX/XX/XXXX. We were told continually to call back to check. It was only XXXX that a 'ticket ' was submitted to look for the funds. Unfortunately, there is only a 10 day grace period, and the turnaround for the ticket was supposedly 5 days. The end of the grace period is the time for the turnaround of the ticket, which could affect our credit score.
Consumer complaint received 2022-05-05
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. (MI)

In accordance with the Fair Credit Reporting act XXXX  XXXX, XXXX Acct ( # # # # # # 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 2022-04-23
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. (NV)

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 # XXXX XXXX XXXX XXXX account # XXXX XXXX account XXXX XXXX XXXX  XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX Has violated my rights. 

15 U.S.C 1681 section 602 A. states I have the right of 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 2022-05-04
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. (MI)

on. for 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 XXXX  XXXX {$6700.00} Date Opened : XX/XX/XXXX XXXXXXXX XXXX  XXXX Account # : XXXX Balance : {$6600.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) Account # : XXXX Balance : {$2000.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX XXXX  Account # : XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  ) Account # : XXXXBalance : {$2000.00} Date Opened : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX  Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX ) Account # : XXXX Balance : {$6100.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX  ) Account # : XXXX Balance : {$200.00} Date Opened : XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX  ) Balance : {$560.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) Balance : {$1600.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX ) Balance : {$1100.00} Date Opened : XX/XX/XXXX XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX 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.

15 U.S.C. 1666b A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late any reasons.