davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-19
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. (CA)

Account was with XXXX XXXX and a XXXX XXXX, This was a auto pay through a XXXX XXXX bank account. I Had to cance the card because it was compromised. XXXX XXXX had the wrong contact information and turned it to XXXX XXXX company, submitted collection on XX/XX/XXXX. 
I resolved this with XXXX XXXX on XX/XX/XXXX and and I have a copy from XXXX XXXX to collection agency to remove collections. 

Hello Settlement fee of {$99.00} was obtained, service is paid through XX/XX/XXXX. 

Notice was communicated to collections department to cease collection attempt. 

Kindest regards, I also submitted the Same dispute to XXXX and it was removed emeadatly
Consumer complaint received 2023-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (PA)

I hope this letter finds you well. I am writing to bring to your attention the provisions outlined in 15 U.S. Code 6802 and 15 U.S. Code 1681a, both of which pertain to the obligations of financial institutions regarding the disclosure of personal information and the definition of a " consumer report, '' respectively. 

As a concerned consumer, I am aware of the importance of maintaining the privacy and security of my nonpublic personal information. According to 15 U.S. Code 6802, it is stated that a financial institution is prohibited from disclosing nonpublic personal information to nonaffiliated third parties unless certain conditions are met. Specifically : ( A ) The financial institution must clearly and conspicuously disclose to the consumer, in writing or in electronic form, that such information may be disclosed to a third party. 
( B ) The consumer must be given the opportunity to direct that such information not be disclosed to the third party before the initial disclosure takes place. 
( C ) The consumer must be provided with an explanation of how they can exercise the option to withhold such disclosure. 

These requirements are in place to ensure that consumers have control over the sharing of their personal information and can make informed decisions about its disclosure. 

Furthermore, as per 15 U.S. Code 1681a, the term " consumer report '' excludes communication of information among individuals who are related by common ownership or affiliated through corporate control. This definition highlights the importance of delineating the types of information that fall within the scope of consumer reports and those that do not.

I kindly request that the department of Education ensures strict compliance with these provisions to protect the privacy and rights of consumers according to 15 USC 1602 ( l ). As a valued customer, I trust that the department of Education is committed to upholding these legal obligations and providing transparent communication with regard to the use and disclosure of my personal information. 

Thank you for your attention to this matter. I appreciate your dedication to maintaining the highest standards of privacy and security for your customers. Should you have any further information or updates regarding this issue, I would appreciate being kept informed.
Consumer complaint received 2024-11-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reference # 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 XXXXXX/XX/XXXX
Consumer complaint received 2019-05-16
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: Byrider Franchising, LLC (GA)

CNAC - GAXXXX Reported : XX/XX/2019 {$10000.00} There is no contract, no valid claims ... account was settled with creditor and has been confirmed, grave errorsfalse claims and reportingI want this account removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. 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.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting.
Consumer complaint received 2023-08-23
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. (GA)

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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiri

es 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 2023-08-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: VANDERBILT MORTGAGE & FINANCE, INC (VA)

I expressed to my mortgage company that I had XXXX and was out of work about 5-6 months ago. I was not given any of to forbearance options under the CARES act. Instead I was asked when will I be back at work and and the best they could do is defer 2 months but I would have to make my escrow payments all at once before they would agree to defer the P & I portion. That escrow payment was over {$1000.00} and my mortgage payments are about {$300.00} more. So honestly that was no relief for me. I was told because I got a modification back in XXXX that I was not eligible for another because I can only get one per life of the loan. Because I was sick for about 3 weeks and out of work, it's been taking me some time to catch up on all my bill and now I am behind on my mortgage. I am now due for XXXX with over {$1000.00} in suspense, I tried to call to make a {$1900.00} payment was was told my loan is in a legal status and I can not make a payment with them over the phone, so now I am about to be charged legal fees on top of being sick with Covid. I also explained that I could make another {$1900.00} payment on XXXX XXXX. With 2 {$1900.00} payments and the {$1000.00} I have in suspense, that would bring my loan current but now that it's in a legal status, I'm pretty sure more fees will be added making it harder for me to become current. On to of all of this, I had to take out a hardship on my XXXX to bury my father last month sure to a car accident. I have proof of this as well. I can provide my father 's death certificate and proof of my XXXX hardship withdrawal. I've been with Vanderbilt Mortgage since XXXX and this is the first time I've ever been late on my mortgage payments in 14 years. This is not the first time during the pandemic I was denied help but. I didn't complain the first time because I made a way to keep my payments current but this time had really taken a toll on my and to immediately go into a legal status when I communicated I had Covid is just inconsiderate.
Consumer complaint received 2019-05-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CURO Intermediate Holdings (TX)

I had been applying for payday loans online to help out my current financial situation. On the morning of XX/XX/19, I received a call from a person pretending to be speedy cash. I was told they had approved a loan of {$5000.00}, but we had to boost my credit score first. They sent over official looking loan documents and even deposit {$790.00} into my bank account. All I had to do was return the {$790.00} to boost my credit score and receive the loan. This was a busy and stressful day for me, so I didn't put a lot of thought into it at the time, and I was desperate for the money. I was instructed to purchase gift cards called " steam '' for the amounts released by my bank ( XXXX XXXX XXXX XXXX ). The bank only released {$200.00} on the same day as the mobile deposit was made and then only {$200.00} the next day. On the third day, the check was returned by my bank and I was out {$410.00} ( i was charged a return item fee by my bank )
Consumer complaint received 2019-05-19
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: Colony Brands, Inc. (MD)

These Inquiries should not be on my credit report! XXXX ( Credit Inquiry on XX/XX/XXXX ) XXXX ( Credit inquiry on XX/XX/XXXX ) XXXX ( Credit inquiry on XX/XX/XXXX ) XXXX   XXXX XX/XX/XXXX ) XXXX  XXXX XX/XX/XXXX Ginny 's Inc XX/XX/XXXX!!! Now all of these are inquiries that should not be on my credit report. I have never applied for anything and have never had any accounts or Credit cards from any of these companies before! My Identity was stolen through identity Theft and yes I did report al of this? Can someone please look into this matter please Thank You
Consumer complaint received 2019-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NY)

I have had issues over the last 3 months putting my Equifax credit report on freeze. I have easily been able to apply to freeze accounts with the other two main bureaus with ease, but my experience with Equifax has been miserable. I have tried multiple times to get a real person on the phone, but I am never able to. Through the website, they said they would mail me a pin code weeks ago, that I would need to verify my info, and I never received this in the mail. By attempting to freeze my credit, I am afraid I am now more at risk by having personal mailers not arrive to my apartment. Also, the main reason I am applying for a freeze in the first place is because my info was released in the Equifax data breach. You would figure they would help resolve the massive issues they helped cause.
Consumer complaint received 2023-08-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Scratch Services, Inc. (TX)

I applied for a PPP loan thru XXXX XXXX XXXX like three years ago when covid was new. Scratch, and XXXXXXXX XXXX approved my loan, but sent it to some random persons bank account. XXXX  and Scratch do not and have never had a system in place to account for mistakes, or even to help their own customers. Ive been calling for three years trying to reach them and tell them what theyre doing, via telephone and email and they most I can get out of them ( if their customer service line even answers your phone call at all ) is " oh we'll pass your issue up to someone and they'll reach out to you ''. Three years later and after hundreds of attempts to reach out and get help from XXXX, scratch, the sba, all they'll say is " we'll have someone reach out to you '' and I never hear from anyone again. Now they're sending me emails saying I owe them XXXX for a loan I was never issued. THREE YEARS. XXXXXXXX XXXX needs to be shut down. it is a scam service that will take your money and give you no avenues of reprisal. even their website where it has a button to say " does this loan information look correct? '' if you click on it it says to call their toll free number that is not in service XXXX. please help get this trash company away from me.
Consumer complaint received 2023-08-23
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. (GA)

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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-08-23
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: Experian Information Solutions Inc. (NC)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

My Equifax account shows a negative reporting from XXXX dba XXXX XXXX  dated XX/XX/XXXX. I ceased doing business with Nationstar on XX/XX/XXXX when I signed a Grant Deed ( attached ) transferring the property to a buyer, thus allowing XXXX to be paid-off, and thus removing me as a client of XXXX and the closure of my account with XXXX. I no longer did any business with XXXX after that date as I no longer owned the property in question and no longer had an account with XXXX. Therefore, it was impossible for XXXX to report a " Derogatory '' status over one year later. This XX/XX/XXXX status report must be removed. Equifax has not done that. Equifax also is not allowing me to report this error to them because their on-line reporting system is consistently malfunctioning.
Consumer complaint received 2019-05-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (CA)

In the past couple of weeks I have been receiving none stop calls from NAVIENT collectors. They have been calling me maybe 3 -  4 times a day. The number is XXXX and other numbers. The messages that they leave in the voicemail are vague and seemingly automated. 


I would also like to point out that when pressured ... I asked Navient who owns my loans, how can I contact them and make a settlement on my debt ... they simply gave me a false phone number that left me with no solution in terms of reaching out to who owns my loan in order to attempt negotiating a settlement.
Consumer complaint received 2023-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NC)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-05-19
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: V and H Portfolio (OH)

There is a entry on my credit report from Vance & Hoffman. They claim I have a debt, but when I called, they are mean and will not provide me any documents pertaining to this loan. I am in the process of cleaning up my credit report and I seen there a many hard inquiries that are not mine. I have disputed this twice and they refuse to remove it but yet, they will not provide me any information. 

I have no details to report because I have no knowledge of this loan they are claiming I owe. Any help with resolution, would be appreciated. 

Thanks.
Consumer complaint received 2019-05-19
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Stenger & Stenger, P.C (MI)

Old credit card went into collections Stegner and Stegner began collection attempts, Contacted the firm and offered a settlement, they stated they could not settle for two weeks, but to pay them XXXX to show Im working with them. Called back two weeks later offered a settlement they declined, said they needed to review with the attorneys. I was sent a demand letter to pay or they would put a judgement in my name. On XX/XX/XXXX I received summons one usps,  and summons 2 certified mail, both back dated court documents on the same day. I paid the company in full on XX/XX/XXXX via cashiers check with XXXXXXXX XXXX tracking. I confirmed they received my XXXX XXXX   with my cashiers check via phone and tracking. Company stated they will send out a XXXX balance to my address. On XX/XX/XXXX at XXXX, a process server served my address with a third summons. Stenger and Stegner is violating federal collection laws by continuing to  harass me with legal recourse in person on a debt that is paid in full. I have proof of delivery of my cashiers check, proof from the bank it was issued and a phone conversation that they received my payment. Something needs to be done regarding they illegal collection attempts.
Consumer complaint received 2023-08-23
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)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2019-05-16
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (UT)

XXXX XXXX XXXX and XXXX XXXX XXXX are double reporting on accounts # XXXX for XXXX XXXX and # XXXX for XXXX XXXX. These are the exact same account just with different numbers. They are double reporting and it should be removed.
Consumer complaint received 2019-05-19
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. (GA)

THERE'S AN ACCOUNT CALLED " XXXX XXXX '' HAS ME LISTED AS AN AUTHORIZED USER, HOWEVER THIS ACCOUNT DOES NOT BELONG TO ME AND I WOULD LIKE FOR IT TO BE REMOVED. ALSO THE ADDRESS XXXX XXXX XXXX XXXX, NY XXXX DOES NOT BELONG TO ME AS WELL. THIS IS AN ERROR ON MY CREDIT FILE THAT NEEDS TO BE REMOVED ASAP!