davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (VA)

I have been aggressively paying off my $ 200k+ in law school loans in order to minimize my overall interest and payment term. I 've made several bulk payments and set an autopay of {$2500.00} -- substantially higher than the minimum payment. When I went on XXXX in XXXX, Navient unilaterally lowered my autopay. At first by more {$400.00} ( XXXX-XXXX ), then by more than {$700.00} ( XXXX ), then by {$1900.00} ( XXXX )! The auto pay for next month was down from the original {$2500.00} to {$620.00}. When I asked why it changed no explanation was offered. They referred me to a " updated payment terms '' document. The effect of lowering my autopay was to lengthen my payment period ( thus erasing the advantage I gained by making payments ahead of schedule ) and keep me paying interest for longer. When I called, they put my autopay back to the original amount, but can not guarantee that they wo n't unilaterally adjust it -- thus lengthening my repayment term -- in the future. 

I am attaching : the document showing my autopay at {$2500.00}. 2. The document showing Navient unilaterally lowering my payment in order to lengthen my loan term. 3 A screenshot showing autopay ( and one bulk payment ) dropping down in XXXX and XXXX.
Consumer complaint received 2017-10-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Keith D. Weiner & Associates Co., L.P.A. (MN)

XXXX XXXX rent was paid in full, with security deposit in the amount of {$810.00} held by XXXX XXXX and a check in the amount of {$54.00}. Endorsement of that check included a clause which stated, " endorsement constitutes acceptance of this check as payment in full of all obligation due between the parties. This check was cashed by XXXX XXXX. 
After vacating the premises owned by noon on XXXX XXXX, XXXX, we received an email requesting our forwarding address, which we provided. Soon after, we received a letter requesting payment of charges due, in the amount of {$400.00}. This included such things as an " estimated sewer and water '' charge of {$100.00}, " three hours of extra cleaning at {$20.00} per hour, '' " removal & dispose of abandoned couch '' charge of {$40.00}, and lastly a " cost to market & re-rent unit for XXXX/XXXX/XXXX '' charge of {$150.00}. 
The apartment was vacated in cleaner condition that when it was rented, as well as painted -- which was never reimbursed by XXXX XXXX. 
After responding to this letter, with a request for reimbursement of paint supplies and labor, we received another letter, this time with more aggressive language, stating, " bottom line, the {$400.00} is due. Please make payment or this will go to collection. '' We chose not to respond to such rude correspondence. 
We then received a letter from collections, dated XXXX/XXXX/XXXX, requesting that we contact their office to make payment arrangements.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Collection Account : XXXX XXXXXXXX {$430.00} XX/XX/XXXX Account number XXXXXXXX XXXX {$2100.00} XX/XX/XXXX XXXXXXXX XXXX {$600.00} XX/XX/XXXX XXXXXXXX XXXX XXXX $ {$520.00} XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX {$21000.00} XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX {$680.00} XX/XX/XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX - XXXX - XX/XX/XXXX - {$20.00} INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-08-14
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: Early Warning Services, LLC (TX)

XXXX XXXX XXXX refuses to provide my consumer report to me. I am trying to request my report to verify that all of the fraudulent information has been removed from my report, as stated from EWS they stated in several letters the fraudulent information was blocked, however i am trying to confirm. I did attempt to request the report by the online portal, by phone. It seems that no one is willing to assist me in obtaining a copy of my report. I have a legal right as a consumer to request a report. Please review and send me a copy of my report by email, and please confirm that XXXX XXXX XXXX XXXX is not listed on my report. They have attempted to add numerous fraudulent accounts to my credit reports and i want to confirm if they are on my EWS report that these are blocked as fraudulent. I never opened any accounts with them, never opened membership and did not authorize any accounts with their institution. I have sent them an FTC Affidavit and notified the local police department, yet someone within XXXX XXXX continues to use my information. I do not know whom in their institution is fraudulently using my information but it concerns me.
Consumer complaint received 2018-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Consumer Portfolio Services, Inc. (SC)

I have sent multiple letter asking Consumer Portfolio Service to validate and show proof that I was late on any payment when I have an account with them. They are report to the three major credit bureaus that I was late on my payment XX/XX/XXXX. The account was setup for direct payment and was taken out of my account on XX/XX/XXXX. Which was well before the payment was due. I have called and sent letters to the company to send me proof of late payment. I was told by phone rep that would get back to me and I have yet to hear from them.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2024-10-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my complaint.
Consumer complaint received 2024-10-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

As a final step in this dispute process, I am issuing this letter to demand immediate resolution of the ongoing violations concerning my credit report. Your continued failure to address my disputes is a direct violation of federal law, specifically 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ), regarding furnishing reports in connection with transactions not initiated by the consumer. 

In my previous correspondences, I highlighted unauthorized inquiries that remain unresolved. This failure to act places your agency in willful non-compliance with the Fair Credit Reporting Act ( FCRA ). 

For the following items, you are instructed to act in full compliance with the law :
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : collection/charge off 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-28
Product: Credit reporting 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)

As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law. 

For this Items Below Please do as what instruction in compliance of the law.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Also it is incorrectly reporting this account as well. Its reporting as Closed, paid, and open on all 3 Credit Bureaus.Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the XXXX XXXX account number XXXX on Transunion , XXXX on XXXX, XXXX on XXXX.Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I looked over my credit report and found inaccurate and incorrect on my file held by Transunion. I sent a 1st round letter to request the validity of the XXXX  XXXX bankruptcy as accurate. Transunion replied stating that the information was accurate and verified by the US bankruptcy courts. I contacted the court, and their response was clear that they do not report to Transunion or any other data collection agencies. Therefore, the initial response verifying the item with the courts was either an error or a lie.
Consumer complaint received 2018-08-14
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (SC)

I currently paid XXXX XXXX to help remove negative items off my report I received emails that these items were challenged on these dates XXXX XXXX XXXX XXXX on XX/XX/2018 Experian & XXXX on XX/XX/2018 XXXX XXXX XXXX Experian on XX/XX/2018 XXXX XXXX XXXX XXXX  on XX/XX/2018 I called all three Credit bureaus to make sure these items were being disputed by XXXX Law all three credit bureaus told me that none of these items were being disputed by XXXX Law and that have not received anything from XXXX XXXX. XXXX XXXX has a good relationship with all the credit bureaus to where when they dispute negative items it goes directly electronically to the Credit Bureaus. 
Below I have attached emails from XXXX XXXX that these items were challenged and a screenshot of my account showing negative items that has been intervene ( challenged ) with the credit bureaus by XXXX XXXX. Its underlined in yellow.
Consumer complaint received 2018-08-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Firstsource Business Process Services, LLC (AZ)

A debt collection company named Firstsource has bought a debt from a Credit Card company named XXXX XXXX. I informed XXXX XXXX previously that this is not my debt. The amount stated I owed was {$1000.00}. I requested several times from XXXX XXXX to show me proof this was my debt, as I had never had a contract with them or entered into any agreement. I informed them I never enter into a contract without signing my wet-ink signature on a document in agreement of such terms. 

This being said, I never opened an account with XXXX XXXX, and XXXX XXXX never showed me proof to the contrary. Now, they have turned over this debt to XXXX XXXX XXXX to collect the debt, which again, I do not owe and never had a relevant account. 

This complaint is about XXXX XXXX, but I thought an explanation was needed to describe how this entity became involved in an unfounded debt. When Firstsource first sent me notification this debt was turned over to them to collect, I immediately replied to what I have stated here ( first paragraph ), that I never opened an account with XXXX XXXX and do not owe any debt, and demanding Firstsource present to me what I asked of XXXX XXXX, a written wet-ink-signed document memorializing my agreement to such a contract ab initio. 

Firstsource replied recently nonresponsive to my first complaint and demand of proof of this alleged debt. They have reduced the amount to {$510.00}, but I owe {$0.00}. This company must cease this correspondence unless they have what I am asking for, a written contract with my signature thereon verifying this agreement exists.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights privacy and confidentiality under 15 USC 1681. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681 section 602 A states I have the right to privacy 15 U.S.C. 1681 SECTION A SECTION : It also states a consumer reporting agency can not furnish an 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 the 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 2024-11-06
Product: Credit reporting 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)

The accounts listed on my credit report contain inaccuracies, including incorrect account statuses, payment history, and/or account balances. Despite previous attempts to have these corrected, they continue to reflect erroneous information, which is unfairly impacting my credit score. I am requesting assistance in having these accounts reviewed and removed due to the inaccurate reporting.
Consumer complaint received 2024-11-06
Product: Credit reporting 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 XX/XX/XXXX, I submitted a XXXX vacate notice and requested the option to give a XXXX unit transfer notice if I could move to the opposite side of the community. I had safety and hygiene concerns for my building so I wanted to either relocate entirely or to another building. I submitted that email to complex management and it went unanswered. I then found the contact information to their corporate offices and urged a response there, in fear that there would be a fraudulent financial penalty if they didn't acknowledge my notice. XXXX XXXX purchased the alleged debt that XXXX XXXX tried to claim I owed them and began to harass me for payment in the summer of XXXX. I did not reside nor occupy that unit during the dates they are asking for me to pay. I signed the lease for my current home in XXXX and was fully out of my previous apartment by XX/XX/XXXX. This debt is not accurate, I was not occupying the residence when they claim and more importantly I gave my notices within a timely manner. I DEMAND they remove this collection from all three reporting credit bureaus and cease their demands for payment. Moreover, I REQUEST THAT THE CREDIT BUREAUS CONDUCT A FULL INVESTIGATION INTO THIS ILLEGAL DEROGATORY MARK ON MY CREDIT FILE. This is a sloppy and fraudulent debt they are attempting to collect for pennies on the dollar. MOST IMPORTANTLY, I requested a debt validation package in XXXX of XXXX and have not received it as of XX/XX/XXXX, which is ILLEGAL. Because this debt was not validated, it must be removed per the FCRA.
Consumer complaint received 2018-05-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (VA)

I contacted my Mortgage company in XX/XX/2017, and informed them that some of my mortgage payments was being posted to the wrong accounts. I check my payments each month by using my bank account. My Mortgage company was rude and informed me that I was not making my payments. I was also told that I would have to provide them with my bank statements to determine if I was correct. I did not provide them with my Bank statements I cleaned up the statements and faxed them to the mortgage company. Three months passed and my mortgage company did not contact me. Two weeks ago I discover they have me in foreclosure. When my account is only dew for XX/XX/XXXX payment.