davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-17
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. (NY)

I requested that a bankruptcy that was reporting on my credit report with only TransUnion be validated. The sent back information it was validated with the US Bankruptcy Court. I supplied a letter from the courts verifying they did not furnish the information to and credit bureau. I then sent another letter asking for it to be removed immediately, their reply stated it was verified. Considering this, I am hereby invoking my rights under FCRA 611 ( a ) ( 7 ) to request a comprehensive description of all the methods employed to verify the collection account being reported to your bureau. I am eager to understand how your investigators were able to validate and verify this account as accurate, especially considering that the collection agency failed to provide validating documents within the 30-day period mandated by the FDCPA.
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2018-08-14
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Commonwealth Financial Systems, Inc. (NY)

COMMONWEALTH FINANCIAL XXXX {$780.00} XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX Creditor above is reporting erroneous defamation on my XXXX for some medical bill that is NOT mine! I wish to file a complaint against this debt collector If this debt is mine, send me a HIPPA signed document which they should not have since i never went to this company!!!
Consumer complaint received 2024-05-15
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (MO)

Good afternoon so I have been an XXXX customer for 6 years and never had an issue getting a loan. Well I have had to reapply for this loan 3 times do to XXXX XXXX. My bank does not do third party verification so I have to use XXXX XXXX. Which I did and on my end it says its been successfull. However I have been told my info was not received from them. But I called XXXX XXXX myself to see and the rep told me she can view my information and all ACE needs to do is login their portal add Request code : XXXX and they can view my information. Apparently your customer rep to your supervisor have no idea what this is or can help me. Im like call XXXX XXXX they say they can not. I am at my wits end. Can you please check on this for me. Customer name : XXXX XXXX telephone number, XX/XX/year> date of birth, XXXX last four of social. Thanks for your assistance
Consumer complaint received 2024-05-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2023-08-25
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. (MI)

XXXX # XXXX This account I asked to be deleted not updated. I sent out Verification letters to this company which I also sent to your company. It was not verified by the said company therefore can not be verified by your company. Before further steps has to be taken I ask that you obey the law and delete this account from my credit reporting I demand you remove all references to this account from my credit report within 30 day. This is the third request for this to be done. Attached is the return letter to verify this company received verification letter. I also have copies XXXX XXXX
Consumer complaint received 2023-11-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: U.S. BANCORP (CO)

XX/XX/2023 US Bank XXXX XXXX XXXX XXXX, MN XXXX Re : XXXX XXXX XXXX and XXXX XXXX Consumer Complaint and allegation of fraud by US Bank. 

XXXX XXXX XXXX XXXX XXXX CO XXXX Acct # XXXX US Bank Home Mortgage, We are appealing your decisions as to options for settlement of our forbearance agreement that we entered when XXXX came in. 

When customers entered into this agreement, us included, we were promised a variety of options to resume payments and keep our property as XXXX. For two full years I have been submitting applications and calling to discuss how we get a completed package to you for consideration. I could not get a phone call or email back just form letters stating our package was incomplete. If you review call records, you find they will validate my statements here.

We categorically reject that the only options you will provide now is to sell our home and will take all actions necessary to stay here should we choose to. US Bank is NOT acting in good faith, and I have repeatedly asked for a client advocate to call me to discuss this. We have assets to resume payments, we just dont have the income. 

I am a XXXX XXXX who has a XXXX XXXX XXXX XXXX  with US Bank that is working its way through the courts now. That case number is XXXX. 

Unquestionably, the Bank is trying to use our forbearance as leverage in that case. US Banks actions are reprehensible, and I am formally requesting an immediate delay in any foreclosure activities on my home referenced above until the Federal Case is ruled on. I can make a payment in good faith in exchange for a 60-day delay. 


XXXX XXXX XXXX XXXX
Consumer complaint received 2018-08-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aargon Agency, Inc. (DE)

The collection agency ( AARGON ) is trying to collect an old debt from XX/XX/XXXX they haven't mailed me any information bout this debt which the STATUE OF LIMITATIONS on the account has expire in the state of Delaware, they also have on my credit report that the account was active until XX/XX/XXXX and Closed in XX/XX/XXXX I haven't live in PA in years because of a Domestic situation and had to relocate the original agency knows this is an old debt and didn't send me any documents regarding an options of this matter and I want it taking off
Consumer complaint received 2024-07-03
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. (OH)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (NY)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2023-09-17
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit reporting. Everything has to be 100 % accurate on my credit report. 

The credit bureaus stated that my account was properly investigated but how is it possible that my personal information, including my address, information on multiple accounts, multiple hard credit enquiries, the dates and status last reported are not accurate with the accounts over the period of years since I can remember in XXXX 
This ground for removal they also violated my privacy rights under : 15U.S.C 1681 Section 602 A : states I have the rights to Privacy 15U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
Also the credit bureaus took more than XXXX to complete my investigation.
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TX)

To whom it may concern, I am inquiring about my account with the name of XXXX. The account number is unknown. 
Please provide my consumer disclosure file under FCRA Section 609 ( a ) ( 1 ). I am also requesting the date of first delinquency, as well as the FCRA compliance date, along with the name of the party who reported the date of first delinquency. According to my credit report and what you are reporting the account was open in XXXX ( XXXX ago ) and paid in a settlement in or around XXXX ( XXXX ago ). It appears this debt was re-aged, and needs to be deleted immediately. 
My rights dictate my ability to obtain this information.
Consumer complaint received 2023-09-17
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)

In accordance with the Fair Credit reporting. Everything has to be 100 % accurate on my credit report. 

The credit bureaus stated that my account was properly investigated but how is it possible that my personal information, including my address, information on multiple accounts, multiple hard credit enquiries, the dates and status last reported are not accurate with the accounts over the period of years since I can remember in XXXX. 

This ground for removal they also violated my privacy rights under : 15U.S.C 1681 Section 602 A : states I have the rights to Privacy 15U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Also the credit bureaus took more than 30days to complete my investigation.
Consumer complaint received 2024-07-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC (AL)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights. See attached file below
Consumer complaint received 2023-09-17
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC (CA)

ERC sent me a letter on XX/XX/23 claiming I owe {$620.00} to XXXX XXXX XXXX. I don't have an account with XXXX XXXX XXXX and never have, and I've confirmed this with them. XXXX XXXX XXXX  agrees I don't owe anything. 

ERC tried this same illegal scam tactic on me a few years back, claiming I owed thousands to another company I've never had dealings with. 

I've reached out to ERC before to ask them to stop. I've also asked them to provide proof of the debts. They've given me XXXX information. All they do is harass me on my phone XXXX hours a day, send letters, and try to attack my credit score. Each time, I contest it -- and they have to stop. But then it starts up again a few months later with a new company. 

ERC is running an illegal scam operation. They are lying, engaging in illegal communications practices, and trying to collect on obviously fake debts. 

I'd like ERC to cease all contact with me and cease all attempts at collecting this fictitious " debt. ''
Consumer complaint received 2023-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

XXXXXXXX XXXX XXXXXXXX has ruined our credit by reporting a 30 day late on our credit history, I contacted one of their representatives through email and requested for her to process the XXXX payment in XXXX and XXXX payment in XXXX, 1 day prior to the deadline, each month for both payments, the representative did not process the payments in a timely manner, I disputed the information but they did fix the issue, I am submitting proof of the email and hope this is issue gets resolved. 

Thank you,
Consumer complaint received 2023-08-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (GA)

To Whom It May Concern, I am XXXX XXXX, and I am writing to formally file a complaint against Mohela, with whom my account number is XXXX. 

Mohela currently manages my federal student loans. I am actively participating in the Public Service Loan Forgiveness ( PSLF ) program. In XX/XX/XXXX, Mohela contacted me, notifying that they had taken over the management of my loans from XXXX. They further indicated that my loans were listed under school deferment. This was surprising, as I never requested this status. I immediately asked for this deferment to be removed and for my loans to be shifted back to the COVID forbearance. 

I clarified that since XX/XX/XXXX, I have been enrolled part-time in a XXXX 's program at XXXXXXXX XXXX  XXXX which is fully sponsored by my employer. Furthermore, I have been working full-time and hence have no need for a deferment. Mohela promised rectification but failed to act accurately. 

Following events have raised serious concerns : Inaccurate Communication and Actions : XX/XX/XXXX : Received a letter from Mohela confirming the removal of the in-school deferment for the period from XX/XX/XXXX to XX/XX/XXXX and approving the COVID-19 Emergency forbearance starting XX/XX/XXXX. 
XX/XX/XXXX : Another letter from Mohela reported only XXXX qualifying payments for the PSLF, six payments less than my count. They had also reverted my status to in-school deferment. 
XX/XX/XXXX : Despite assurances in XXXX, Mohela claimed the period from XX/XX/XXXX to XX/XX/XXXX was ineligible for PSLF due to the school deferment status. Upon another request, they agreed to correct it, adding that I should complete an in-school deferment waiver form to avoid future discrepancies. 
End of XXXX : Received letters confirming the removal of deferment and approval of COVID-19 forbearance, as well as an update on my qualifying payments for PSLF, now listed as XXXX. 
XX/XX/XXXX : Yet again, I was informed of being put under in-school deferment. They reduced my PSLF qualifying payments to XXXX. I promptly uploaded the requested waiver form and reiterated my request. 
XX/XX/XXXX : A letter from Mohela stated I had made XXXX payments. 
XX/XX/XXXX : I was informed my loans were being considered for forgiveness. Yet, on XX/XX/XXXX, the website showed only XXXX payments and a reinstated in-school deferment for XX/XX/XXXX to XX/XX/XXXX, contradicting their prior communications. 
Suspected Malpractice : Considering the inconsistencies in Mohela 's actions and communication, especially with my loans due to resume repayment on XX/XX/XXXX, I am compelled to believe that these actions might be deliberate attempts to delay or deny my loan forgiveness and accrue further financial gain. 

Attached are all pertinent documents highlighting the correspondence between Mohela and me, which underscore the aforementioned issues. 

I earnestly hope this matter is looked into with urgency and rectified. 

Regards, XXXX XXXX.
Consumer complaint received 2024-05-15
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. (MD)

I'm resending my dispute letters since I didn't get the full resolution to my concern. Again, YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section.
Consumer complaint received 2023-12-19
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: SYNCHRONY FINANCIAL (GA)

I have dispute the late payment inaccuracies of this creditor XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, and XXXX ; directly with the creditor as well as with XXXX, XXXX, XXXX and XXXX XXXX. I requested bank transactions of proof that I was late, the creditor I never sent the proof, and it took over 30 days to perform investigation. The creditor has also re-age my accounts. They didn't verify the date last active. This account was closed XX/XX/XXXX, and paid off XX/XX/XXXX. However they added additional late payments between XXXX. I made final payment on XX/XX/XXXX, as a result this creditor wrote me a check for a {$40.00} over payment and did not report that correctly either. According to the response of their Senior Specialist, XXXX XXXX on XX/XX/XXXX ; they are reporting correctly, but in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 604 A section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

I have requested multiple time that this account be updated, corrected and removed form my consumer report. None of the credit bureaus have completed a full proper investigation, they just allow this creditor to say yes they are reporting correctly.
Consumer complaint received 2023-12-01
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: EQUIFAX, INC. (TX)

On XX/XX/23 I sent a dispute letter to Equifax regarding an account on my credit report by the name of XXXX AND XXXX. I informed Equifax that they were reporting inaccurate information because I have never been late on this account. XXXX and XXXX are not reporting any late payments for XX/XX/2023, so I am confused as to why Equifax is furnishing this incorrect information. I have already asked your company to validate the inaccurate reported late payments and you have failed to do so in over 60 days which is a violation of the FCRA and negligence. Please see the attached dispute letter and remove the aforementioned account and unauthorized inquiries from my credit report immediately.
Consumer complaint received 2023-12-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc. (IL)

I am using this entity to demand payment for violations before I file a suit in federal court. Earlier this year I received an email stating that my Great lakes student loan was being transferred to Nelnet. I requested by email that Nelnet send me the alleged contract that I have saying that I will pay them. I do not believe I owe them {$22000.00}. I believe they have knowingly and willingly cause me harm by reporting to the Credit Reporting Agencies without my written consent. According to 15 USC 1681 I do have the right to privacy and no entity should be reporting anything on my behalf to a reporting agency without my written consent. Nor should they attempt to collect since there is no UCC 1 financing statement listing me as the debtor ( I have checked with the Illinois Secretary of State. I also believe that TILA have also been violated and that the securitization of the ORIGINAL contract has been laundered. Even though the email states they share the same " parent " company ', I never authorized this transfer, nor did I authorize anything to be reported on my behalf. Nelnet did send notices that I allegedly owe THEM money, nor did they or Great Lakes tell me that any money paid unto them would be put into a trust. Again, this is a violation of TILA, FDIC, and FCRA as I have no contract with them. Please pay me a total of XXXX which I'm entitled to twice the finance charge for these violations.
Consumer complaint received 2023-12-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: V and H Portfolio (OH)

Vance and Huffman Llc claims that {$1200.00} is owed by XXXX which XXXX was involved in a lawsuit & debt is considered not owed anymore. Sent in paperwork showing proof that the debt is considered no longer owed. It is public record if you type in XXXX XXXX. I tried disputing it through credit bureaus. They dropped it off one credit report but wont drop it off the other XXXX. XX/XX/2023 I reached out to company as to why was the information updated as being owed. I was told on a recorded line that the debt would be deleted. I checked XXXX  & they reported it as accurate