davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, 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.

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 XXXX 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 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (SC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information To whom it may concern : I received a copy of my credit report and found the following items to be errors. 
The following addresses are reporting incorrectly & must be removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The following employers are reporting incorrectly & need to be removed immediately : * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX By the provisions of the Fair Credit Reporting Act, please have these items be removed from my report. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for the updated report. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AL)

I am REWRITING to EXPERIAN to dispute inaccurate information on my credit report. My name is XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXX XXXX, AL XXXX. My date of birth is XX/XX/1976. The FTC report numbers related to this complaint are XXXX, XXXX, and XXXX. 

I have identified entries on my credit report that appear to be either duplicated or incorrect, and for which I did not provide authorization. As a consumer, I am entitled to have inaccurate or unverifiable information removed from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). 

Please review my report and remove any entries that do not comply with the FCRA, specifically under FACTA Title 1, Section 151, which mandates accurate and verifiable reporting. I request that you address this matter promptly and provide confirmation of the resolution.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (LA)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items.
Consumer complaint received 2016-04-08
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC (IN)

SLS is the mortgage service provider and they are not providing me assistance. I applied for a modification and I had done a quit claim deed on the property to leave my wife XXXX as the only XXXX on the loan since she is also the co-borrower on the account. The reason for this is because we were having issues as a couple, but SLS wanted to see a divorce paper which we didnt have and we had informed them already. This is the reason they denied us for a modification dut to missing documents, they wanted to see a divorce paper, I informed them that there was none and instead of reviewing me with what they had as a complete packet they denied me for missing documents. I will be attaching all complaint and appeal letters I sent out to them. Another issue was that I had filed bankruptcy pro-se on XXXX XXXX XXXX because they said there was nothing else they could do, but I knew they were not helping me. I had a sale date coming up and the bankruptcy was done a day before and they were able to stop the sale date since I was already protected under the automatic stay. I was unable to finish the bankruptcy because I have been in and out of the hospital due to health issues and SLS already knows this, I had XXXX already. When we applied again on XXXX XXXX I had a sale date for XXXX XXXX. This is the time when they were asking for missing documents which was the divorce paper, they wanted us to divorce or something because they kept asking for that. So I filed bankruptcy on XXXX XXXX a day before just like last time, but they said that the sale went through and that there was no stay, even though the court confirmed that I was protected under the automatic stay. I have been fighting with them, my intentions were to keep my home. I didnt even have the chance to finish my bankruptcy because they kept saying that even if I finished it, my home sold already. This is very unfair! I never got a fair review on my modification even though they had all documents. The strange and concerning part is that even though they say my home sold on XXXX XXXX XXXX, I received a complete packet with a letter on XXXX XXXX, XXXX ( that im also attaching ) that I am eligible to apply for a modification and to submit everything again. This is very disturbing and I need an investigation to be opened please.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.
Consumer complaint received 2024-10-25
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

Dispute of Late Payment XXXX XXXX XXXX ( Account # XXXX ) Dear TransUnion Team, I am writing to formally dispute the late payment reported for my account with XXXX XXXX XXXX, account number XXXX. While this account is marked as paid and closed, I have noticed that it reflects a derogatory late payment status of 60 days. 

**Points of Dispute : ** 1. **Late Payment Accuracy** : The record indicates a late payment status, with the last reported activity dated XX/XX/year>. I believe this late payment is inaccurate based on my payment history and the account being paid in full. I respectfully request verification of the alleged late payment, including any documentation that supports this claim. 

2. **Impact on Credit Report** : This late payment adversely affects my credit score and my ability to obtain favorable credit opportunities. Given that this account is closed and paid, it is my request that any negative reporting be reconsidered.

3. **Request for Investigation** : Under the Fair Credit Reporting Act, I request that you thoroughly investigate this matter. If you can not provide adequate verification for the late payment, please remove it from my credit report. 

Please send me written confirmation of the results of your investigation and any updates made to my credit report. 

Thank you for your attention to this matter.
Consumer complaint received 2016-09-01
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: AES/PHEAA (MI)

I am a first generation college student who hold a XXXX and XXXX XXXX XXXX which I owe nearly XXXX dollars for in private student loans. I make XXXX per month and pay American educations services XXXX $ and XXXX and XXXX XXXX another addition XXXX . This makes my student loans total well over XXXX per month which is half of what I earn. I have a child that I take care of and rent and living expenses to pay and because of my income I GET NO assistance for anything from the state or the government but after paying my student loans in at the poverty level and should technically qualify for some help. This is wrong American education services are the only lenders who REFUSE to work with me although I keep my account current by any means necessary, even paying my student loans before paying rent or getting food. I 'm literally struggling to survive because I made the decision to go to college and try to become better. My parents made to much money for me to get financial aid but did n't make enough to pay my tuition at school. this is a sad world when going to college can ruin your life like it has done mine, I just wanted to become better and give myself a change, I never realized that by taking a loan from American education services I would be giving up the rest of my life and making my sons quality of life worse than mine growing up because I owe so much student loan debt, I need some help I have literally begged American education services for any option to lower my payment and they just say they cant. why is this happening in America, why can banks and automotive companies get bailed out but a single XXXX woman try into to make it ca n't get any help with these XXXX dollar banks. this is unfair and I would trade my college degrees any day for a piece of mind of not having to worry about money because in paying all my monthly earning to lenders and the sad part is, it 's not even making a dent in what I owe because of my interest., so I will be broke forever only to keep a high balance on my student loans,. I ca n't buy a house or a new car or any of the things we picture in the American dream after you attend college. This is criminal I this is why people take their own life over debt. Who would choose to live like this and barely survive after working 40 hours a week only to pay on a huge debt that 's not going anywhere? I understand I have to pay back my debt but its ridicules how American education services wo n't work with people to make the payments reasonable. I do n't know anyone who has an extra XXXX per month to pay and still live. Please help me, please get American education services to work with borrowers and not lead them into situations like my own to where you are so desperate you have to sacrifice meals and taking care of yourself because you must pay a greedy lender.
Consumer complaint received 2016-07-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (TX)

I disputed an XXXX charge on my credit report first in XXXX and Equifax agreed and removed it from my account. The charge keeps showing up and I keep having to dispute it. Dispute confirmation numbers XXXX, XXXX, XXXX, and XXXX. Although the first XXXX disputes removed the charge from my account, the last XXXX was not. I do n't understand why Equifax kept allowing the same charge to keep showing up after I disputed and it was removed. Also, I do n't understand why the amount was removed XXXX times and the XXXX time they wo n't remove it.
Consumer complaint received 2016-05-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Convergent Resources, Inc. (GA)

Repeated calls between times specified that no calls are to be made. " No Call Time '' : M-F XXXX -XXXX as it was explained to Convergent collections. I have received repeated calls since notification. All calls are recorded on Convergent side. I will be mailing written notification today to them. This act is seen as harassment under the FAIR DEBT COLLECTION PRACTICES ACT.
Consumer complaint received 2016-12-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CCS Financial Services, Inc. (NJ)

CCS of XXXX MA sent a letter stating I owe {$280.00} due to XXXX. I have never had any business with XXXX and sent a letter stating this. The credit collection letters keep appearing. I have never had a XXXX policy in my life. Please stop the scams and fraud. File number XXXX
Consumer complaint received 2016-09-01
Product: Credit card — 
Issue: Rewards — 
Company: WELLS FARGO & COMPANY (MD)

I recently opened a new credit card with Wells Fargo. I applied ( and was instantly approved ) for the card because they advertised a card that offered XXXX rewards points per dollars spent at gas stations, grocery stores and drug stores. As a father of XXXX children, I spend a lot in those merchant categories. I have a screen shot of the original offer as advertised. 

Shortly after receiving my card, I used it a few times and went to check out the rewards site to see what kinds of things I could use my points for in the future. I noticed that my card was only earning XXXX point per dollars spent, even at grocery stores and gas stations instead of the XXXX points per dollars it was supposed to be earning. I e-mailed to inquire and they said I had to call them instead for some reason. So I called, and they " opened a case '' for me. A few days later I got a call back and the agent informed me that they would not honor the promotion as advertised. I argued for a few moments, pointing out that this was extraordinarily unethical, and probably not legally allowed. The agent did not deny that, but said there was nothing she could do in her position. 

That 's basically brings us to today. I applied, and was approved for a credit card that advertised a specific promotion. Wells fargo should honor the promotion as it was advertised. Thank you for your time and consideration in this matter.
Consumer complaint received 2016-07-07
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AE)

I filled a fraud with the FTC a few months back about I fraud account opened in my name with USAA. I sent out letters to them but have not received anything back from them. I called them and all they did was update my personal info so whoever could n't use the account which has a negative balance. They said I 'm responsible but I do n't see how.
Consumer complaint received 2016-05-10
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Patient Accounting Service Center (CA)

ive been divorced and separated from my ex wife XXXX, since 2007, we were not together and i did not sign or know anything about this debt, it 's been in my credit report for almost a year, ive filed a direct dispute and they did not and could not give me any information on this debt, since the persons name is XXXX, not my name XXXX, i gave them her current business address ( which she is owner of ) as well as her parents address, this is not my debt i 've asked for it to be removed, and it still has n't, i have not received anything in writing or anything stating any information on this, i contacted the hospital, they could n't give me any information because my name was not on this, i need this off my credit because its giving me a bad score and history, i have disputed it with the hospital, with the agency and with CFPB and have not heard anything on this matter, please delete from my credit
Consumer complaint received 2017-01-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I requested a copy of my credit report via Annual credit report. I contacted Transunion on XXXX XXXX, XXXX to correct inaccurate information. The individual updated all of my personal information per my request ; however refused to delete inquiries though I advised that I had not authorized the inquiries and was unaware who those companies were. The representative from Tranunion stated that it was MY responsibility to contact the companies who illegally pulled my credit. Though I was upset by this, I did contact each one, that day. They all referred me BACK to Tranunion because they had no record of my ever applying for credit with them and stated it was Tranunion 's error. I sent a letter via certified mail on the same day, tracking number XXXX which they received XXXX XXXX, XXXX requesting again for a few credit inquiries to be removed because I had not authorized them and per FCRA only permissible purpose for pulling someone 's credit was for a firm offer of credit, insurance, employment or court order. This week, I received another letter from Transunion explaining what credit inquiries are and they were not removing them. I pledge that I have no knowledge of the following credit inquiries that are erroneously being reported by Transunion even after it has been brought to their attention : XXXX on XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX and XXXX XXXX XXXX/XXXX/XXXX ( the inquiry on XXXX/XXXX/XXXX was authorized by me when I opened an account this past XXXX, according to XXXX XXXX the XXXX/XXXX/XXXX should be a promotional inquiry NOT a hard inquiry ). 
I am requesting that Transunion, immediately remove the aforementioned credit inquiries.
Consumer complaint received 2017-01-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

There is a " near credit limit '' notice on my credit report for XXXX XXXX, the balance for which is listed as a credit card. This is not a credit card. I used this company to consolidate my student loans and I am paying monthly for the charge associated with the consolidation. The notice specifically says " You have XXXX credit card using more than 60 % of its reported credit limit on your credit report. '' I am not sure if this is adversely affecting my credit score but I am hoping that the information can be corrected. As previously stated, this is not a credit card. 

Also, my employer information is incorrect. As of XXXX XXXX, 2012, my employer became XXXX XXXX XXXX. 

Thank you for your time and attention. 

Best regards, XXXX XXXX
Consumer complaint received 2024-09-29
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC. (OH)

I hadn't thought I'd overdrawn my account ( and I've talked to Reps about this, before - PLEASE stop letting MORE transactions go through, once I'm overdrawn ), but after a week away taking care of elderly parents ( not to use this as an excuse, it's just if you ever have to do this too, you might forget about Banking and Fees and all other stuff for a bit ) away in the suburbs, I overdrew my account. 
XXXX On XX/XX/XXXX, I put in {$120.00}, in CASH ( **NOTE : ** Reps have told me it takes DAYS to actually clear ANY online deposits btw, even if your own login page shows it's " cleared '' and, even if you do an " instant transfer '' - this is another issue I have ) thinking I was Fine- but No! I was " fined. '' My {$120.00} netted me ( what I thought was a positive balance of ) {$28.00} - Again, WHY are things still being taken out of an overdrawn account, anyway- BUT- it was actually a negative balance of {$28.00}. [ see receipt, you can tell how I made the mistake. ] So this began a snowball effect of " Overdraft Fees '' and " Sustained Fees '' to what's now about to be a total of {$200.00} ( XXXX x {$30.00} " sustained ; XXXX x {$35.00} " regular '' including one Right Now ). I even had an overdraft fee when my account went {$.00} over ( that's XXXX cents ). [ see the " Citizens Fees '' document ; it's only part of the full page but shows a good glimpse. ] XXXX I've had this issue before, and thought I'd gotten to a place where, at some point, stuff STOPS being withdrawn from an overdrawn account. I do realize the problem began on MY end, but- are so many fines really necessary? How does one dig out of it if it becomes throwing Good Money after Bad? 
XXXX On XX/XX/XXXX I directly called an executive at Citizens, I'll call him XXXX., ( I can back this up but I'm not putting personal info here ) he'd helped me before and was really nice about it ... I left a message/voice mail with specifics but didn't receive a call back ( today is XX/XX/XXXX ), or an email. Maybe he didn't receive it though. But now I'm about to go even further into " the hole. '' Help!!