davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

According to my consumer report I received dated XX/XX/XXXX and I have noticed various areas in the way you are furnishing my information. If you havent been made aware, there are various federal laws in place to protect me as a consumer and to construct this business transaction. As a gentle reminder you CAN NOT report/treat a payment on an open ended credit plan as late for any reason. If you need direct citation please refer to 15 USC 1666 ( B ). I also would like to bring forth another law pertinent to this letter ; 15 USC 1681 ( B ) where it states that I as a consumer would need to give you PERMISSION to furnish information on my behalf. To date, I have not granted you or XXXX XXXX XXXX XXXX XXXX. 
Your apparent and constant neglect to properly carry out your job is costing me by ruining my consumer report. This letter is an attempt to remedy the following listings you have listed on my consumer report. As I have contacted XXXX XXXX XXXX and the corresponding information is not as listed on my consumer report. These accounts should PROMPTLY be updated as ON TIME : XXXX. XXXX XXXX XXXX & XX/XX/XXXX are the late payments listed
Consumer complaint received 2021-04-15
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. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX XXXX XXXXXXXX XXXX, Alabama XXXX XXXX XXXX XXXX XXXX Alabama XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX Alabama XXXX XXXX XXXX XXXX XXXX XXXX Alabama XXXX The following employers are reporting incorrectly & need to be removed immediately : XXXX XXXX I have attach my driver license for future reference. Please send me notification that these items have been deleted, as well as updated.I acknowledge that the above information is true and correct.
Consumer complaint received 2022-07-28
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. (GA)

XXXX XXXX Loan # XXXX - Paid in Full on XX/XX/XXXX I sold the home at XXXX XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX on XX/XX/XXXX and wired funds in full to XXXXXXXX XXXX and paid off the loan in full. Experian credit reporting company has not updated this account and is still reflecting an open account with very large balance. 

I am purchasing a new home and closing on XXXX and this account is significantly reducing my score and prohibiting me from obtaining the interest rate reduction with my new lender. XXXX and XXXX have corrected the account. 

I phoned Experian and was told to contact XXXXXXXX XXXX to have them contact Experian directly to correct. XXXXXXXX XXXX is saying they reported the correction on XX/XX/XXXX to Experian, but can not provide me with any documentation. Experian is saying they can not locate any such correction reporting and can not fix without this. 

I am getting the runaround by both XXXXXXXX XXXX and Experian and need this completed immediately so that I can close on my new home. I do not have 30 days to wait for a dispute!!!!!!!! The loan was paid off almost 2 months ago! 

I am suffering significant financial damages in being forced to take a higher interest rate on my new home loan because of this inaccuracy. By law XXXX, this needs to be corrected. 

Please direct me to the person that can handle this error immediately and have the Experian credit report updated so I can proceed with my closing.
Consumer complaint received 2019-01-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (SC)

I have a had a mortgage with XXXX XXXX since XX/XX/XXXX. I recently received a notice of servicing transfer, from XXXX XXXX to Shellpoint Mortgage Servicing, effective XX/XX/XXXX. Mid XX/XX/XXXX, I started receiving harassing phone calls, mail and certified mail from Shellpoint Mortgage Servicing, claiming that my mortgage was delinquent and that they were taking action. I called XXXX XXXX and told them that Shellpoint had sent me a letter and had been calling me and they confirmed that my mortgage had not transferred and would not transfer until XX/XX/XXXX. I tried to call the Shellpoint phone number on the transfer notice, but it required the caller to answer marketing questions ( there was no option to talk to a person unless you went through a marketing survey ), so I hung up. Each time Shellpoint called me, they asked for personal information, which I refused to give to them. The representatives were extremely rude, when I explained to them that I had talked to XXXX XXXX and that my mortgage had not transferred and was current with XXXX, they harassed me and tried to get me to provide them personal information. I asked them to stop calling me and they refused, they said that I needed to send the a cease request in writing by mail and that they would keep calling me until I did that. I also asked them to not use my mobile number for robo calls ( they asked me if it was okay and I said no ) but they continued. One rep said that this was how they made their calls. I am concerned ( 1 ) because they continiuosly call me and harass me on my work mobile phone and wont stop, ( 2 ) they may be reporting negative credit on my credit report and ( 3 ) that XX/XX/XXXX I will be forced to do business with such a company. Both companies say the other company is incorrect, XXXX XXXX was supposed to be investigating but I have not heard anything back.
Consumer complaint received 2019-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (WI)

I submitted a dispute to public records on my credit report XX/XX/XXXX & XX/XX/XXXX and they came back as accurate. I submitted a request for verification dated XX/XX/XXXX, mailed on XX/XX/XXXX, received by experian on XX/XX/XXXX, stamped by unknown name at XXXX XXXX  XXXX XXXX, Tx certified XXXX XXXX XXXX XXXX XXXX. I received no response related to my request for verification Method. Experian failed to follow procedures set up by FCRA guidlines. I sent a follow up letter on XX/XX/XXXX. XXXX giving them until XX/XX/XXXX to comply. As of todays date XX/XX/XXXX, I have received no response. I am enclosing a letter from the United States XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, Wi XXXX, who is the holder of records for Bankruptcies see letter dated XX/XX/XXXX signed by XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX stating, " the court does not place information on credit reports. '' Experian claims the public records were obtained from XXXX XXXX XXXX. I contacted XXXX who claims they have no record of a bankruptcy in file for me. See page XXXX of credit report dated XX/XX/XXXX # XXXX. See credit report dated XX/XX/XXXX, report # XXXX, clearly shows XXXX. XXXX Bkpt XXXX Wi XXXX id # XXXX XXXX XXXX XXXX XXXX XXXX, Wisconsin XXXX phone # XXXX & XXXX. XXXX Bkpt XXXX Wi XXXX id # XXXX XXXX XXXX XXXX XXXX XXXX, Wisconsin XXXX phone # XXXX. This clearly incorrect because the address listed is XXXX XXXX XXXX which doesn't cover public records for Bankruptcies which are XXXX. So how can they verify by reporting erroneous information with the wrong court. Experian report # XXXX, dated XX/XX/XXXX also clearly displays the same wrong information, including a spelling error of my name. My name is XXXX not XXXX, That report XXXX shows tenanative completion by XX/XX/XXXX, which has come and gone. This credit bureau continues to verify invalid information and reports invalid information on my credit report in violation of the guidelines provided by FCRA. I wish to have this company held accountable for their actions.
Consumer complaint received 2019-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EdFinancial Services (AL)

I have a loan with EDFINANCIAL SERVICES. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and EDFINANCIAL SERVICES with no successful resolution. XXXX only reporting me late. There was definitely an error on their part. I was never 120 days late.
Consumer complaint received 2022-03-31
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)

XXXX, XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in XXXX XXXXXXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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 FL XXXX
Consumer complaint received 2018-12-28
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Mendelson Law Firm (TN)

I sent a letter to Mendelson Law Firm on XX/XX/2018, asking Mendelson Law firm to contact my Attorney and not contact me directly again. I provided my Attorney s contact information in the letter.The letter was sent certified mail with a tracking number. The letter was delivered On XX/XX/2018 at XXXX to their address. Mendelson Law Firm has not tried to contact my Attorney. I was recently sent a letter about disputing my debt with this firm. My rights are being violated.
Consumer complaint received 2018-12-31
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. (OH)

I have some issues with my credit report I have a unverified accounts and a Bankruptcy that is not accurate on my credit report, Under the Fair Report Credit Act, you are required to comply with the FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY. My name is XXXX XXXX. I am self employed the following addresses are not mine please delete remove : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX The following account Chapter XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX   XXXX XXXX XXXX  XXXX I am in the process of buying a new home and all of this information is not accurate. Federal law requires that you provide mechanisms to ensure that each item on my credit report actually belongs to me. If the above items are inaccurate, misleading or incomplete, you have violated federal law. I expect you to make a re-investigation immediately. My social security number is XXXX DOB XXXX
Consumer complaint received 2019-01-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

Capital one XXXX rewards card Paid bill XX/XX/XXXX. Scheduled payment three weeks ( approx ) ahead of time time via phone app AND phone call. 

Payment processed by midnight on phone app, phone call, and bank website thus credit was restored. Payment was processed for XXXX and XXXX. 

Used credit card during weekend for a holiday trip and twice or thrice during the week. Attempted to use credit card for XXXX XXXX XXXX, declined. 

Payment was actually returned ( but no money credited to either debit or credit account, thus robbed ), with a higher debt rating than previously before the payment ( thus robbed again ). 

Payment also due again for XXXX and XXXX thus robbed a third time, feeling extremely swindled and cheated despite being a loyal customer either a consistent track record of complying with creditors.
Consumer complaint received 2023-02-27
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. (OH)

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 Account # XXXX, XXXX XXXX : Account # XXXX, XXXX  XXXX : Account # XXXX, XXXX  : Account # XXXX, XXXX : Account # XXXX, XXXX XXXX XXXX : Account # XXXX, XXXX  : Account # XXXX, XXXX : Account # 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 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 2023-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-04-08
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. (NJ)

This is my sixth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX : {$1700.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1400.00}.
Consumer complaint received 2021-04-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Advantage Collection Professionals, Inc. (MN)

This letter is a formal compliant that you are reporting and incomplete credit information. According to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( I.e. : an original consumer contract with my signature on it ) that you have on file I demand that the following accounts be verified or removed immediately failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. Therefore, either provide the requested information or cease your collection efforts and reporting of this account on my credit reports immediately. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.
Consumer complaint received 2022-04-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (MO)

I graduated from school at the end of XXXX and have been employed by the XXXX XXXX  since XXXX. XXXX XXXXNavient serviced my FFELP loans and I dutifully made payments until XXXX. There have been several times I sought information about loan repayment options, but was never told I had to consolidate my loans with the FedLoans in order to be eligible for the PSLF program. The options I was offered all carried higher interest rates and longer repayment terms. When I spoke with someone at XXXX about loan forgiveness, they told me I would have to consolidate my loans with them and then make another 10 years of payments in order go qualify for debt forgiveness. It was heartbreaking, but I went ahead and consolidated in XXXX of XXXX. 

When the PSLF was expanded, I jumped on the opportunity and was initially turned down. Later, I received a letter stating that my remaining debt was forgiven which was great. However, I made well over 120 payments that qualified for forgiveness but can not get refunded my overpayments because I had not consolidated sooner. I did not know this was an option or even a possibility. If I had known, I absolutely would have jumped on the chance to have my debt forgiven. It seems absurd that my payments toward loan forgiveness count, but only count up until they reach 120 and after that, I was just throwing money away. I know you deal with much bigger issues, but this just seems very unfair. Is there anything that can be done?
Consumer complaint received 2019-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BMO Bank, N.A. (IL)

I notice that my credit report was ran without my consent on XXXX by XXXX XXXX XXXX XXXX XXXX by XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. I have been a victim of Identity theft and I been trying to reach out to the creditor to have this inquiry removed along with the other inquiries that were placed on my credit report.
Consumer complaint received 2022-04-27
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2018-12-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (FL)

I see a lot of unauthorized card use on one of my debit cards. Starting from XX/XX/XXXX a charge at " XXXX XXXX XXXX '' up until recently a charge on XX/XX/XXXX for " XXXX ''. I also have a bunch of what looks to be overdraft fees associated with this purchase. 

My account is now in the negative due to this. How can this be possible that someone can use my money like this?
Consumer complaint received 2019-10-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Waypoint Resource Group, LLC (TX)

I believe the account was the result of identity theft. I didn't receive written notification about debt so I can dispute debt. 

The 3rd party customer service representative ( XXXX XXXX, Waypoint Resource Group ) would not provide ( flat out refused ) the address the debt was from. He stated I had to give him my address, phone, etc. I asked how am I supposed to know he's not changing the information to match what he insisted I give him. He stated he could not escalate the issue to get it removed from my credit report if I didn't give him my address & phone number. He said to just trust him-I DO NOT!