davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (TX)

The XXXX XXXX Account # XXXX needs to be removed from my Experian credit report. I have provided Experian with a letter from XXXX XXXX stating that my account has not been 30 days late. Please have this deleted on my report.
Consumer complaint received 2023-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, North Carolina, XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXXXXXX XXXX Account Number : XXXX has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that I have a 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.

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 for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act
Consumer complaint received 2023-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

i have 5 inquiries on my credit report. I only recognize one of them and thats XXXX XXXX. as you can see from my credit report i have a XXXX XXXX credit card. please remove these other inquiries asap. please and thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-27
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately : XXXX XXXX - XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX XXXX XXXX XXXX - XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX XXXX XXXX - XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX XXXX  - XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX XXXX  - XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX XXXX  - XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX XXXX - XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX XXXX - XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX XXXX XXXX XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX XXXX - XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX XXXX - XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX  XXXX - XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report
Consumer complaint received 2016-07-29
Product: Credit card — 
Issue: Other fee — 
Company: SYNCHRONY FINANCIAL (NC)

I applied and received an online account with XXXX XXXX that later turned into just Synchrony Bank. I was told I had the option of paying interest as I go or delaying interest payment. I chose to pay as I go. When I called, they said I did n't have the choice. They changed it without my permission to delayed interest payments as long as payments were made on different amounts in different periods of time. But no matter how I made my payments, they shifted money around that did n't pay off the things they said I had paid for with delayed interest, which I never wanted.
Consumer complaint received 2023-05-27
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately : XXXX - XX/XX/2022 - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report
Consumer complaint received 2016-09-14
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I was able to get my free report ( through XXXX ) from XXXX. I went to the FTC site and clicked on the free annual report link to get the ones from TransUnion and XXXX ... two days ago, but I was told they were unable to complete my request from XXXX sites. I read somewhere that i should wait 24 hours and try again. I just tried again and still ca n't get them. As a matter of fact, TransUnion is now saying they have already provided me with my free credit report ... but that 's not true. And also, Equifax keeps asking me these multiple choice questions about loans I have never done, and that do not apply to me.
Consumer complaint received 2015-08-18
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I became XXXX by illness XX/XX/XXXX. All my reserves were spent on medical costs. Missed a payment on my mortgage XX/XX/XXXX. Rec 'd notice of intent to foreclose from Countrywide XX/XX/XXXX. Vacated the house, in anticipation of foreclosure. Filed bankruptcy XX/XX/XXXX, discharged XX/XX/XXXX. Bank of America completely disregarded the bankruptcy and continued to try to persuade me to pay the mortgage, until XX/XX/XXXX, when they sold the mortgage to XXXX. XXXX continued to send me statements on a nonexistent mortgage. Both companies applied homeowners insurance to the property and told me I was responsible for that debt, too. Bank of America went so far as to put retroactive homeowners insurance debt on the property, dating back to at least a year before I stopped paying the insurance myself ; also dated before the bankruptcy by 4 months. They applied an {$11000.00} lien onto the mortgage, as well. I contacted the Comptroller of the Currency with my complaint with complete detail and, after many months was told that I still needed to pay Bank of America, regardless of the bankruptcy. This week I received a letter from something called XXXX XXXX XXXX, which claims to be working for XXXX. It appears they are starting the whole process of trying to collect on a loan that does n't exist. I am still XXXX and unable to work. Every month is a struggle to make the Social Security XXXX, now Social Security due to my age, last more than a few days into the month. These banks need to leave me alone. Bank of America should never have sold this nonexistent mortgage. I communicated all of this information to Bank of America, countless times, and then, to XXXX. Every time I receive a communication from these people, I am reminded of everything I 've lost due to my illness. The grief is unending. I do n't need to be harassed by banks that must have real business to attend to.
Consumer complaint received 2023-05-27
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. (TN)

XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX and Experian Dear XXXX, I am writing to request that you remove the following information from my credit report due to lack of proof of debt : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have requested proof of debt from the creditor and have not received it within the required five days. According to the Fair Credit Reporting Act ( FCRA ), if a creditor does not provide sufficient proof of debt within five days of your request, they are not allowed to continue pursuing you for the debt. That includes listing the debt on your credit report. Therefore, I am requesting that this information be removed from my credit report immediately. 
If this information is not removed from my credit report within 30 days of receipt of this letter, I will be forced to take legal action against you for violating my rights under the FCRA. 
Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-05-27
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: Experian Information Solutions Inc. (AL)

On XX/XX/2023, I received an Alert from XXXX that a new account was posted to my Credit Report. According to the information a loan or lease account was opened with XXXX XXXX in the amount of {$58000.00}. Since it was on the Experian report, I immediately filed a Dispute Report to dispute the information since I had never heard of the company nor initiated any loans in XXXX. I also called XXXX and was connected with a Restoration Specialists. As was advised to file a Local Police Report, an FBI Report, and a Federal Trade Commission Report. All three reports have been filed. I also placed a fraud alert on my Credit Report with all 3 Credit reporting agencies. I was told to contact the company and tell them I was a victim of Identity Theft, which I did on XX/XX/2023. The XXXX XXXX when I call want an account number before they will assist me. I told them I was a victim of Identity Theft, they finally asked for name, address, last 4 SSN, yet there is no record in their system of my name, address, or last 4 of my SSN. However, according to the Experian Dispute Results on XX/XX/2023 XXXX XXXX says the information submitted to XXXX was accurate.
Consumer complaint received 2023-05-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance wit the Fair Credit Reporting Act the following have violated my rights Account Name : XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX Account XXXX Account Name : RentRecovery ( Original Creditor : XXXX XXXXXXXX XXXX ) Account XXXX Account Name : XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX Account Name : XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) Account Number : XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX 15 U.S.C1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency reporting agency can not furnish an account without my written instructions
Consumer complaint received 2016-09-14
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Specialized Loan Servicing Holdings LLC (FL)

This is to inform you that Specialized Loan Services approved me for a loan modification, but after 60 days, they have not recorded the note or notified me of the loan modification being completed on their part. 
I have made my monthly payments on time, but instead they have send me monthly statements that show higher payments than we had agreed to, unclear charges and attorney fees that are not part or listed on modification agreement. 
attached you will find copies of statements and loan modification. 
thank you for your help.
Consumer complaint received 2023-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MN)

My name is XXXX XXXX I live at XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX. I dont live at 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please remove all these addresses that dont belong to me. 
According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681s-2 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 2016-10-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have officially filed suit against Transuion. I have repeatedly disputed items that do not me since XXXX. It is now XXXX and they still refuse to remove the items. I was also affected by the glitch where they removed items off of my report and put them back on there. As of XXXX/XXXX/2016, I have filed suit in XXXX XXXX against Transuinon because of their refusal to follow suit along with the other Credit Bureaus and remove the items. I am done fighting with them. I will let my attorney do the talking and I will be suing for the full amount that the law allows. Also, Transunion refuses to update my address in the system as well after I have sent them documentation.
Consumer complaint received 2023-05-27
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: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting Act, XXXXXXXX XXXX XXXX XXXX XXXX  on my Experian Credit report has violated my rights. 



15 U.S.C 1681 section 602 A states I have the right to privacy.

15 USC 6801 states that Credit Reporting Agencies have an obligation to protect non public personal information 15 U.S.C 1681 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions the FCRA states that companies are obligated to maintain accuracy of all items reported.

The information in this account are not only private but they have been reported INACCURATELY and the reporting of this information has damaged my ability to acquire funding and has greatly impacted my mode of living.

I have communicated in writing several times with company and they have failed to comply with my written instructions, as well as failed to provided details of the results and methods of investigations.
Consumer complaint received 2023-05-27
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. (MN)

XXXX XXXX XXXX. Account number XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX. Account Number XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX. Account XXXX XXXX. Date Opened XX/XX/XXXX XXXX XXXX XXXX. Account XXXX XXXX. Date Opened XX/XX/XXXX XXXX XXXX XXXX. Account Number XXXX. Date Opened XX/XX/XXXX XXXX XXXX. Account XXXX XXXX. Date Opened XX/XX/XXXX XXXX Account XXXX XXXX. Date Opened XX/XX/XXXX The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2023-05-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (CO)

On XX/XX/23 I called XXXX to request a refund of payments made toward my student loans during Covid forbearance under the CARES Act. Two separate reps said they would handle that request for me before disconnecting my call. The third rep said I needed to put that request in through Mohela. Mohela submitted the request and twice since XX/XX/23 I have been told they requested payment information from my previous servicer ( XXXX ) and when I ask XXXX about it, they say theyve not received a request from Mohela. At one point a Mohela rep said my request was put on hold because they had to review my NSLDS info since they claim XXXX is not cooperating with them about my payment info. It has now been more than 60 days and more than 45 business days with no movement on this request. I also cant get a clear picture of the status of my request as each Mohela rep tells me something different. I need those payments refunded and I even sent a PDF of the payments from XXXX to Mohela earlier this month to try to help the process and nothing is helping.
Consumer complaint received 2023-05-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

They sent me something on XX/XX/23 that showed XXXX as deleted. Then they sent me something again on the same date showing it was updated! Both were sent to the wrong address when they have current mailing address on file! They were given opportunities to correct it but never did, so remove it or be sued, I now have black & white proof of the continued intentional errors to show to a judge! 

XXXX was deleted and I want it to remain that way! They were unable to correct the info and that's why they had no choice but to delete it. Now on the same date they add it back on?????? I want it removed as it was in the first mailing I received that had to be forwarded by the XXXX XXXX to THE CORRECT ADDRESS! 

The next issue is they keep coming up with addresses that are no longer valid! I want those removed permanently too so they stop sending mail to the wrong address. CFPB has an accurate address on file but for some reason they began sending it to the wrong address. The form is marked up, pay attention and delete those outdated invalid addresses.
Consumer complaint received 2023-05-27
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. (CA)

Fraud. 
Someone opened XXXX XXXX credit card stealing my identity. 
Reported balance is {$11000.00} I reported to XXXX on XX/XX/23 No action yet taken from both XXXX XXXX nor XXXX. 
Froze all credit reporting agencies.
Consumer complaint received 2015-08-17
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (IN)

My daughter has a auto loan with Santander, she has had the loan over XXXX years. She still owes as much on the loan as she originally paid for it.. Her interest rate is 20.76 %. She was approved for a loan she could not afford. I have talked with XXXX XXXX at Santander and I talked with the woman in charge from the office of their president. She said no they could not help. They also refuse to refinance their own loan ... I asked for forgiveness on the late charges. answer was no. I asked to refinance, answer was no. i have helped her and she is now up to date. She signed this loan agreement. she was foolish. However i do feel like this company is taking unfair advantage of people. High interest rates. I wish they had just turned her down for a loan. I do not think she fully understood the terms of this loan. However no one twisted her arm. she was just stupid, and that hurts. Predators take advantage of stupid and foolish people
Consumer complaint received 2023-05-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Continental Finance Company, LLC (LA)

When I signed up for this card, it was to be double your credit limit which was {$1000.00} and should have been raised to {$2000.00}. I was told this would happen in spite of the confusion when the account was first opened. I made XXXX calls in the last couple of months and was told the increase would take place today, XX/XX/XXXX. I made another call to another young lade today who advised that I had to request the increase by visiting this site : XXXX. I was granted a {$300.00} increase. What happened to the original offer? I fee Continental FinanceXXXX should honor the original offer.
Consumer complaint received 2023-05-27
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: EQUIFAX, INC. (OH)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.