davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (LA)

We are seven months behind on mortgage payments. We requested forbearance twice due to medical costs and are still in litigation with our homeowners insurance company due to Hurricane Ida damage -- the company ( XXXX ) went insolvent in XXXX of this year and as a result all has been delayed. SLS did not acknowledge our requests for forbearance and when we applied for modification ( twice ) they only offered the option of short sale or deed in lieu. We tried to pay one month 's payment to begin catching up and sent through XXXX XXXX as certified funds but SLS refused the payment and took over a month to send it back in the form of a check. They are refusing to allow us to pay anything less than the full amount needed ( in one single payment ) for reinstatement even if it would bring us within 60 days overdue whereupon we could enter into a repayment agreement with slightly larger monthly payments for a few months. This is making it impossible to catch up and they keep adding fees to the amount ( approximately {$4000.00} at this point! ). We feel like we are being forced into bankruptcy because they will not work with us.
Consumer complaint received 2017-02-06
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Paul Michael Marketing Service (NY)

There was pathology performed as part of a XXXX in XXXX of 2015. Apparently XXXX XXXX XXXX rejected the claim from the provider and the amount was immediately sent for collections. 
I was not aware of the issue until I received the first collections letter. 
I contacted the collections agency, the insurance company and the provider. Eventually the provider straighten the reimbursement with the insurance company however I continued to receive notice after notice from the collection agency even after they were notified that the matter has been settled.
Consumer complaint received 2023-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

I sent my letter off on XX/XX/XXXX. I told the credit bureaus to investigate every piece of information on the accounts I have listed below.

According to the FRCA The term investigate consumer report means a consumer report or portion thereof in which information on the consumers character, general reputation, personal characteristics, or mode of living is obtained with whom he is acquainted or who may have knowledge concerning any such items of information.

They stated the accounts were verified but how is that possible if they did not do a proper investigation according to the law. Also, every piece of information on these accounts are still not reporting 100 % Accurate. And according to FRCA 15 USC 1681 everything must be accurate. I have the credit report showing the inaccuracies. 
XXXX XXXX Account # on XXXX is XXXX. 
2.Account # on XXXX # XXXX XXXX. 
3.Account on Experian # XXXX. 
XXXX reports last updated XXXX XXXX XXXX reports account was updated XXXX XXXX XXXX reports XX/XX/XXXX last update 7.Experian reports last update XX/XX/XXXX XXXX reports Account # on XXXX XXXX XXXX. XXXX reports Account # XXXX XXXX reports Account # XXXX XXXX. XXXX reports last update XX/XX/XXXX XXXX reports last update XX/XX/XXXX 6.Experian reports last update XX/XX/XXXX XXXX reports Account # XXXX on XXXX XXXX reports Account # XXXX XXXX. Experian reports Account # XXXX XXXX reports last update XX/XX/XXXX XXXX. XXXX reports last update XX/XX/XXXX XXXX reports last update FXX/XX/XXXX XXXX
Consumer complaint received 2023-08-18
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. (NY)

I sent a dispute letter to Equifax on XX/XX/2023 and they did not respond per the FCRA 611 and refused to investigate. here is my failure to respond letter or do something about it
Consumer complaint received 2023-08-05
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. (AZ)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files : XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX  XXXX Balance : {$14000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$460.00} ; XXXX XXXX  XXXX , MO XXXX ; XXXX XXXX XXXX XXXX  XXXX , MO XXXX ; XXXX XXXX XXXX XXXX , MO XXXX ; XXXX XX/XX/XXXX. 

If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2023-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Continental Finance Company, LLC (TX)

Continental Finance is in clear violation of this section of the law ( 15 U.S.C 1681b ( a ) 3 ( f ) ( i )., for unlawfully obtaining my XXXX Consumer Report on ( XX/XX/2022 ) without my authorization or permissible purpose under the Fair Credit Reporting Act and its guidelines. It has been more than XXXX days since they were notified of their violation and they have not provided me a copy of my written authorization I gave them or permissible purpose.
Consumer complaint received 2023-11-08
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capitol one approved me for a XXXX dollar cc I have never had one and wanted to build credit I have a 700 plus credit score and no collections or late pays. 4 days after receiving card I had made 3 purchases then they restricted my card without any notice I called emailed wrote everyday and they could not give me a valid reason for this they said it was flagged but that's not possible I had card 4 days they will not provide me any reason and won't lift restriction I've already made a pymt on time. They have reported it to credit agencies as an open acct I can not get another card because this one 's still showing open I am now going to become delinquent because they restricted my card with no valid reason or notice
Consumer complaint received 2023-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (DE)

Despite numerous attempts to dispute fraudulent accounts, specifically XXXX XXXX XXXX and XXXX XXXX XXXX, they continue to remain on my credit report. Regarding the XXXX XXXX XXXX account, I have provided substantial evidence that the vehicle claimed to have a lien on by XXXX XXXX XXXX was legitimately sold to XXXX. Enclosed with this letter, you will find the necessary documents and proof of the sale. According to the Fair Credit Reporting Act ( FCRA ), Section 611 ( a ) ( 5 ) ( A ), it is incumbent upon credit reporting agencies to investigate and correct any inaccuracies in a consumer 's credit report, and I have exercised my rights by disputing this account on multiple occasions. Furthermore, I have also filed a report with the Federal Trade Commission ( FTC ) concerning the XXXX XXXX XXXX account. The FTC Act, Section 603 ( f ), clearly outlines the responsibilities of credit reporting agencies to ensure the accuracy and validity of information on consumers ' credit reports. However, the presence of unauthorized inquiries on my credit report raises significant concerns about Experian 's adherence to these legal obligations. Given the gravity of this situation, I demand that Experian takes immediate action to rectify these fraudulent accounts and unauthorized inquiries from my credit report. Failure to comply with my request within a reasonable timeframe will leave me no choice but to seek legal action against Experian for its non-compliance with federal laws and the adverse impact on my credit. The continued inclusion of these fraudulent accounts and unauthorized inquiries on my credit report has caused me undue stress, financial loss, and has jeopardized my ability to secure loans or credit on fair terms. I expect Experian to promptly remove the inaccurate information, and provide me with a written statement confirming the corrections made to my credit report. 

Please see the attached documents that I've already sent to Experian which they've ignored.
Consumer complaint received 2023-08-18
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. (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 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 2017-02-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (MO)

My problems with Sallie Mae began back in the XX/XX/XXXX 's and culminated with their having XXXX mercy while my daughter was going through treatment for XXXX from XX/XX/XXXX until her death in XX/XX/XXXX. While she was on a ventilator ( XX/XX/XXXX-XXXX ) awaiting a XXXX transplant, Sallie Mae refused to work with me and I was forced to defer then request a forbearance for my student loans. After she passed away ( XXXX ) I even offered to send them a copy of her medical bills, death certificate and invoice for her funeral. They told me, " You could send them, but it wo n't make any difference. You 'll have to pay what is in arrears or request a deferment ''. My only daughter had just died, she had just turned XXXX, and all Sallie Mae cared about was their money. They made me feel worthless, alone and helpless. I began with {$26000.00} in federally backed student loans and I now owe {$54000.00} to the legal loan-shark known as XXXX ( formerly Sallie-Mae ). Not only that, but when I consolidated my student loans the interest rate was XXXX % and I can not refinance with XXXX to obtain a lower rate. On top of all this these student loans were obtained so I could attend the worst private college known to mankind ( XXXX University in XXXX ). When I went to XXXX in XX/XX/XXXX they were teaching decades old technology that was nowhere close to cutting edge. XXXX fleeced me, lied about their technology and helped ruin me financially over the years. I 'd like to thank the Federal Government for limiting my student loan interest deductions at {$2500.00}.
Consumer complaint received 2023-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I am contacting you to request the immediate deletion and removal of the accounts and information listed below from my consumer report. Reporting these accounts and information is a direct violation of the FDCPA and FCRA, and it is imperative that they are removed promptly to comply with the applicable laws. Please take immediate action to delete and remove these accounts and information from my consumer report. Thank you.
Consumer complaint received 2023-08-05
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. (MD)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Transunion credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX Balance : {$580.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2017-01-03
Product: Credit card — 
Issue: Billing disputes — 
Company: Bread Financial Holdings, Inc. (NJ)

I was shocked when I reviewed my credit report and found late payments on the dates below : 90 days past due as of XX/XX/XXXX 60 days past due as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 30 days past due as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2020-06-10
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. (FL)

This is my final request to investigate and remove fraud accounts. I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below XXXX XXXX XXXX Date fraud - XX/XX/XXXX Bank XXXX XXXX date fraud - XX/XX/XXXX XXXX date faraud - XX/XX/XXXX I have proofs that all of these accounts are not mine and I spoke with banks, they going ro remove everything from system. Please remove from all 3 bureau all fraud accounts as soon as you can. 
I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.
Consumer complaint received 2023-08-18
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. (SC)

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 XXXX Account name : XXXX XXXX ( Bank ) Account name : XXXX XXXX XXXX XXXX ( Finance ) Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX  Account name : XXXX XXXX XXXX XXXX Account name : XXXX  XXXX Account name : XXXX XXXX Account name : XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX Account name : XXXX  Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX has violated my rights. 

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 2023-07-27
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (TX)

My name is XXXX XXXX, I was a Wells Fargo customer for many years. In 2021, around Covid, I was receiving what I thought to be incorrect atm withdrawal overdrafts. I was not using atm 's at the time. Wells Fargo put a hold on my account, froze my credit and made it impossible for me to even open another account. A few weeks ago, I got a letter from them saying that I was right and the overdrafts were their fault and they wanted to make it right by issuing my a check for {$100.00}. I refused this amount because I am unsure if the amount is correct since I no longer have access to my account. Furthermore, my credit has been ruined for the last two years, causing me to be unable to sign a lease, get a bank account, has hindered me from getting a better job, ect. I am a XXXX XXXX living out of a motel room at the moment and I work at a XXXX XXXX XXXX. Employers look at credit reports, and mine still says I am negative to a major bank. I told Wells Fargo that I deserved compensation for the trials I have endured to which they replied, no. They have already admitted guilt of theft on a federal level because they are FDIC funded. A simple apology and giving a moderate check in an obscure amount is not enough... .my life is still in turmoil because of this ... .please help me bring them to justice.
Consumer complaint received 2023-08-05
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. (GA)

XX/XX/2023 TransUnion, Per the FCPA as a protected consumer I opted out of any and all authorization I the consumer may have given written, unwritten, verbal and non-verbal per 15 USC 6802-6805. Per 15 USC 1681 Effective immediately and indefinitely. All of my personal information must be cleared off my report. All versions of names except my only Name " XXXX XXXX ''. All other versions are in violation. There is only 1 address that is correct that should be on my Credit Report and that is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. ALL OTHER locations or addresses are UNMAILABLE, MUST BE REMOVED. There are CHARGE OFFS being reported on my credit report, per the IRS rules, all Charge Offs are considered Income and Income is NOT reportable on Credit Reports. 

There are multiple Hard Inquiries on my credit report that are NOT authorized, - XXXX  XXXX XXXX XXXX ( Finance ) XX/XX/2023 There are multiple Soft Inquiries that are NOT AUTHORIZED : Per the FCPA as a protected consumer I have opted out of any and all authorization I the consumer may have given written, unwritten, verbal and non-verbal per 15 USC 6802. Those hits on my credit are not authorized and must be removed. The Charged off account and Collection account being reported on my credit MUST be removed. XXXX CFR XXXX & XXXX - For all Accounts on my Credit Report that show payments to the account MUST be removed because it is ILLEGAL to report ANY transaction history on my consumer accounts to my credit report. I NEVER provided authorization for any institution to report my transactions. ALL current active accounts must be put to Paid as Agreed and remove all payment history, no payment history on any accounts can be shown.
Consumer complaint received 2015-07-31
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Consultants, Inc. (FL)

Advised me that as long as I set up payment plan with them they would not report to credit bureau. As soon as I started payment they reported it to my credit. Then I called and they said when I finished payment they would remove it. Then they said they never said any of that. Then they refused to provide me with the transcripts or recordings after I repeatedly asked. Then said again they would remove from my credit report and did n't. Refused to provide me with my communication with them. They also called me after I paid saying I still owe them.
Consumer complaint received 2023-02-13
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. (IL)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX  My only and correct date of birth is : XXXX  I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX {$2400.00} XXXX XXXX XXXX {$3700.00} XXXX XXXX XXXX {$6300.00} XXXX XXXX XXXX XXXX XXXX  {$620.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$450.00} XXXX XXXX XXXX XXXX {$380.00} XX/XX/XXXX