davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-20
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: EQUIFAX, INC. (TX)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2023-08-20
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. (TX)

In according with the Fair Credit Reporting act XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights 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
Consumer complaint received 2023-07-06
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. (NJ)

This is a formal complaint to inform you that the account listed below is reporting erroneously & are inaccurate. The furnisher is reporting this account inaccurately. They informed me they had an internal issue & posted me past due. Please investigate this account & please update the account to a positive status of open/never late. I will be documenting my case in the event you verify it inaccurately. Please provide me with all verifiable proof XXXX XXXX
Consumer complaint received 2023-07-06
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. (SD)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, has violated my rights. 

15 U.S.C 1618 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : it XXXX  states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-07-06
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: Experian Information Solutions Inc. (FL)

I recently submitted a request for an investigation of the disputed account, Since I believed Experian and XXXX Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since CREDIT BUREAU 's investigation was done improperly, Experian and XXXX Credit Bureaus must update the listed account from my file. 
XXXX XXXX XXXX XXXX : {$11000.00}.
Consumer complaint received 2023-06-14
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (MI)

One they always charge me more for my payment and when I pay it they would only take a little off my loan and say I still owed more on it and charge late fees when I paid on time and when I asked them why they have me reported as missing my payments or late payments they told me that they don't deal with that it's another department that does.
Consumer complaint received 2023-07-09
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. (PA)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over XXXX months.
Consumer complaint received 2023-08-20
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. (GA)

I wrote a letter about false information on my credit report and more than 45 days later I still havent heard anything back. I think my complaint is being disregarded and that I am being victimized. It is precisely stated in Section 611 ( a ) that refusal to investigate these allegations. within 30 days is cause for immediate removal of all those allegations from my credit report. Given that it has been more than 60 days, they should probably be deleted. I demand that this account be terminated right away or else I pursue you for the anguish you put all my life. The TransUnion Data breach exposed my information well as, and is feasible that it landed in the incorrect hands. Also apply law 15 U.S. Code 1681 1 ( e ) ( b ) ASAP so I know I am being treated fairly and with equal rights as a consumer.
Consumer complaint received 2023-05-09
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: REGIONS FINANCIAL CORPORATION (KY)

Attempts have been ongoing since XX/XX/XXXX to inquire about discrepancies within our loan balance. We believe our loan should be paid off, yet Regions states we still owe approx. XXXX more. We believe our original loan was XXXX equal payment of {$430.00}. As of XX/XX/XXXX, we have paid that amount. In XXXX, we filed bankruptcy and reaffirmed this loan. That reaffirmation agreement included 4 extra payments ( XXXX total ) even though agreement states there were no changes to original loan. We have recently ( XX/XX/XXXX ) paid those 4 payments, even though there has not been any explanation for those extra 4 payments. With these 4 payments, our bankruptcy reaffirmation agreement has been met. We have requested our original loan agreement several times. We have requested with several associates to investigate discrepancies with possible errors in payment processing. All attempts have been ignored after initial request. Our home and future credit is now in jeopardy. My attempts started with my local branch in XXXX, Ky. The manager literally threw his hands up at me and stated that his office could not/would not do anything else for me -- - this was my first official meeting with him! He also told me that I shouldn't pay anymore payments and that maybe whomever came to repossess my home might be the person who would have the information I was seeking about my loan -- -REALLY???. This is how Regions treats someone that has faithfully made XXXX + payments for past XXXX? When inquiring about loan, I have be been accused of not making payments... even though they had payment history, but refused to look through it. I have been disrespected/ ignored throughout the entire process.
Consumer complaint received 2023-08-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (FL)

I have spoken to my bank to verify that the time I allowed for the payment to reach the company & be posted should have been sufficient. It always was when XXXX serviced the card. But for some reason, this company can't seem to credit my account in a timely manner. Over the past approximately 2 years, I have no idea how much I've paid in late fees or how many times I've called & couldn't speak with anyone who spoke English. I have cancelled this card which I probably had for XXXX plus years. I scheduled my payments on my bill pay app through my XXXX XXXX. I am on a fixed income. I live from paycheck to paycheck. Somewhere between when my check goes to this company and the time they post it, it seems to go in a black hole. The statement always says, " Mailed payments must reach us by XXXX XXXX  on _____ ''. I instruct my bank to place them in the mail on a date certain which should be well within the date certain. Many times my payment would show a credit date 15 days or more late. I spoke with employees of my XXXX XXXX about my frustration. This was the only credit card that I had that problem with. I have closed my account with this company, but prior to this I tried repeatedly to get this resolved. I was never able to speak with anyone who had the authority and the understanding of basic English to help me come to any kind of understanding or acceptable resolution. I bet that over the past 2 years, I spent at least {$500.00} in late fees when I hadn't had {$50.00}. in late fees in XXXX years. My bank has the records showing when they were to send payment & when they did send it as well as the dates the checks were cashed. I don't know how to attach them.
Consumer complaint received 2023-10-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc. (TX)

I was on AidVantage 's website and attempted to change my payment plan to lower my payments because these are parents loans for my son and he was going to be making the payment. The website prompted me to submit my income to lower my payment even though I suspected that would not be the case. I assumed I could see what the IDR amount would be and then select the plan I wanted. Instead I was locked into a payment that was 2 times higher than the previous payment. I have attempted to contact by email twice with no response, called 4 times and was on hold for no less than 2 hours each time. I spoke to one person who did not help at all and kept telling me I have no other options. I requested a call back on their website for XX/XX/XXXX at XXXX and the system did call, but the minute it went to transfer me to an agent the call disconnected. I called back and waited on hold for 1 hour before hanging up. I attempted to request another call back and their system could not pull up the available times. 

At this point, I have had to put my loan payments in forbearance to stop the payment until they response to change my payment plan. The loan is gaining interest that it should not be because they are not available to resolve my issue which should be a very simple fix that I have done several times in the past.
Consumer complaint received 2023-08-20
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: EQUIFAX, INC. (TX)

I was not giving the option to opt-out from consumer report sharing. An identity theft report was filed thru the FTC. The identity report number is FTC Report Number : XXXX The companies are listed below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-06
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: Freedom Mortgage Company (CT)

Freedom mortgage violate my right to privacy. I never gave them the right to publicize anything about my payment they violated code.15 usc 6802b also they never gave me the option to opt out of them release of my information. Secondly, they per long my hardship further when they send somebody to break into my home to do damage to my property. thirdly, there was never supposed to make a report while I have my application of forbearance and review, and they keep telling me to redo, redo my application.
Consumer complaint received 2023-08-20
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. (PA)

ON my credit report XXXX XXXX XXXX has report to exprian late payments .In XXXX, XXXX XXXX and the in XXXX 7 more .I am stating USC 15C 6801, USC 15C 6802, 15 C USC1680. USC 6801na USC 15 6803 .With this on my report is going to hinder me from getting a new house loan.
Consumer complaint received 2023-05-09
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. (OH)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX 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.
Consumer complaint received 2023-06-14
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

This is the third time I've updated this questionable information by sending a letter to the XXXX credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-08-13
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. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX New York XXXXXXXX XXXX XXXX XXXX servicer to XXXXXXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX, XXXX XXXX, XXXX, MN XXXX My name is XXXX XXXX I have a active investigation going on regarding an account that was opened while I was XXXX in XXXX XXXX for XXXX XXXX I got a letter stating about you guys looked into the file about I requested late payments be removed, the card got sent to my address on file, I made payments & about something about my number, I literally wasnt on the streets at the time of this alleged account being opened Im getting frustrated at this point because I keep going back and forth with your establishment regarding this account I literally submitted every documentation verifying my side of the story and you guys basically keep telling me oh well you made this account its impossible for me to make this account while I was XXXX XXXX XXXX XXXX XXXX XXXX. Im not sure if my family members made this account while I was XXXX because all my information was left back at home I had no control over that but this allege debt was not made by me. At this point Im just so fed up and so damaged by this allege theft that has taken on my behalf Im willing to pay the whole debt 100 % if you guys can just please remove this from my credit report I am urgently begging because this allege debt wasnt not made by me. Im tired of suffering do to this allege debt holding me back which was not made with my consent. Can you guy please give me a different option or another chance because Im really being held back In life because of this debt that was made without my consent. I get get no house nor apartment because of this tragic situation basically homeless I also sent a letter a couple days before this letter with my police report, I had contacted the deputy commissioner office for the proving fact that I was incarcerated & an identity theft report. I will also be attaching it with this letter also. 

Please contact me back ASAP my information will be below to identify me XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX Email- XXXX XXXX
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions 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 2023-08-21
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)

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.

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 2023-10-27
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE (NJ)

Statement dated XX/XX/23 had a balance of {$5100.00} due on XX/XX/23. That statement covered the period XXXX. Before the due date, I made two additional purchases in amount of {$640.00}, which were also paid the same day. I paid off the card in full ( statement balance plus the {$640.00} additional purchases ) on XX/XX/23 and my account reflected a {$0.00}. I then locked my card. I had to make an emergency purchase today ( XX/XX/23 ) and was initially declined and realized I had my card locked, so when I logged on to unlock my card I see a balance of {$83.00} and was confused. I look and see that despite my card being paid in full within the grace period, Barclays was now assessing me interest charges. I have never been assessed charges if balance paid in full or if paid over the minimum balance due ( please refer to prior months statements I am attaching. 

Also according to their own policy in my statement about interest : " Accrual of Interest and How to Avoid Paying Interest on Purchases. Your due date is at least 23 days after the close of each billing cycle. On Purchases, interest begins to accrue as of the transaction date. However, you can avoid paying interest if you pay your Purchases subject to interest ( excluding XXXX XXXX Offers ) plus any monthly XXXX XXXX Payment Amount in full by the Payment Due Date every month '' They specifically state you can avoid interest if you pay your Purchases in full by Payment Due date. Which I did. 

I am not disputing any month where I was assessed interest and carried a balance ( See XXXX I was assessed {$67.00}, but I also had carried a balance over so that is fine ). I am disputing as I paid in full before due date so was within grace period. And as you can see in prior months I was also not assessed interest even when carrying a balance over. I want the interest reversed as account balance was paid off well within the grace period. They are using deceptive practices and don't even follow a consistent pattern when interest could have been assessed legitimately. 

Consumers need to be aware of these shady practices by financial institutions.