davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.
Consumer complaint received 2023-12-01
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Lendmark Financial Services (SC)

I received something in the mail from them for a preselected offer XX/XX/XXXX I called them on XX/XX/XXXX to get a loan and they told me that there was an auto decline the branch manager told me this.. I advised her what the law was and she stated that she gets trained on this and that I don't understand what the law states even though on your website says that denial of credit is considered discrimination you stated that she will not but does not have the ability to reverse the decision.. XXXX XXXX XXXX Branch manager also stated that they get trained on this every year which means she knows what the law is and decided not to rectify the situation after I pointed this fact out to her
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

The XXXX XXXX company was open XX/XX/2019 account has been paid off and its still on my report showing open it wasnt even supposed to be on my credit report because I closed the account the first week I got the insurance and the company told me i wasnt going to have a balance since I closed within the same week I opened I also wrote in writing to the company I wanted to close the account thats what they asked me to do at that time then I end up seeing it on my credit report of course I contacted the company and informed them I wasnt supposed to even have a balance and why did it report on my credit the debt collector didnt explain was just told the balance and I paid it in full and ask for it to be removed off my account they said two years but its still on there I dont even think it should have been reported I want it deleted I was in no fault
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

On XX/XX/XXXX I obtained a vehicle loan from XXXX XXXX XXXX ; the payment term was {$900.00} due the XXXX of the month ; The vehicle was totaled on XX/XX/XXXX but I still made my XX/XX/XXXX payment ; XX/XX/XXXX Insurance company sent payment in for settlement as well as I made my regular monthly payment XX/XX/XXXX because I didnt know the insurance had paid already Account is reported to bureaus as reviewed 3 months ( XXXX, XXXX and XXXX ) I made down payment in XXXX, monthly payment in XXXX and also Insurance paid in XXXX as well as my monthly payment was made in XXXX ; This company reported this to my credit report in XXXX as a charge off with major derogatory taking place in XXXX of XXXX ( month where 2 payments was made ) I have challenged this incorrect information as it violates my rights under USC 15 1681 FCRA and FDCP act because incorrect information is being reported to my credit file and damaging my ratings ; This account was never derogatory
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2024-03-22
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC. (FL)

Submitted a request to both XXXX and Equifax advising that XXXX XXXX or XXXX XXXX XXXX XXXX account was fraudulently opened, I have tried going to the credit bureaus and has been unsuccessful as they have been saying it has been " verified as accurate ''. Since then, I've reported the account to the FTC. FTC report # XXXX I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, XXXX XXXX XXXX ( MO ) 281 SW 715.719.

I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT EXISTS 4ld PURSUANT TO 18 USC 8, L OWE NO DEBT ; THIS COMPANY IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 1681-B2 COMPANY HAS NO PERMISSION TO REPORT MY INFORMATION PER 15 USC 16814
Consumer complaint received 2024-06-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2024-06-04
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. (NC)

On XX/XX/XXXX I applied for a loan. I was denied, at least in part, because of a credit blemish from XXXX XXXX that was reported by Equifax. The blemish should have fallen off on XX/XX/XXXX, and is no longer reported on XXXX or XXXX. Equifax is refusing to comply, and has an incorrect date for when the blemish is set to fall of the report. I asked management for a corporate complaint number to escalate to an executive, and the supervisor I spoke with at Equifax refused to provide that number.
Consumer complaint received 2024-03-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: ALLY FINANCIAL INC. (FL)

Ally bank failed to deliver payment on a wire which was scheduled on XX/XX/XXXX to be paid on XX/XX/XXXX. 
Evidence attached showing the date of request using their website, and authenticating using their methods. Upon completion I received email confirmation of the request and it was 100 % accurate. The confirmation stated the wire would be sent by XX/XX/XXXX at XXXX. 

Ally did not send the wire xfer until XX/XX/XXXX Recipient : XXXX Amount : $ XXXX, XXXX Request Date : XX/XX/XXXX Request # : XXXX
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: EQUIFAX, INC. (PA)

Per the Data Breach settlement, my information was compromised my Social Security number, account information, and personal information were intruded. The data breach incident has led to the inclusion of erroneous information in my credit report, which does not accurately reflect my financial standing. I am requesting that all data related to this breach be removed from my credit report immediately as it is not a true representation of my credit history. 

Furthermore, I would like to bring to your attention the laws and regulations that support my request for the deletion of these files. According to the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute inaccurate or incomplete information on their credit reports. In cases where the information is a result of identity theft or a data breach, consumers are entitled to have such information removed promptly. 

I urge you to investigate this matter thoroughly and take the necessary steps to delete all erroneous data related to the data breach intrusion from my credit report as soon as possible.
Consumer complaint received 2023-10-27
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. (NJ)

They have contacted me harassing me spamming me thats a violation I want all these items removed immediately that even belong to me The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong. 
Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that. 
Also according to 15 USC 1681 s-2 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. 
This is violation after violation after violation. This is causing me stress because I have no hope with this system
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

My account with XXXX - XXXX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made me the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX - XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.
Consumer complaint received 2023-09-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Maximus Federal Services, Inc. (AZ)

XX/XX/XXXX  I got confirmation that I successfully applied to the XXXX  income based repayment program. 

I spoke with my loan issuer AIDVANTAGE on the phone and they said we may have recieved your request but not yet processed it I tried calling a few days after with similar responses. They told me on was on forebarence until XXXX which i stated that I wasnt supposed to have interest charged on my loans based on the XXXX  program. 

This was ignored and they continued to charge me interest. I have self certified income multiple times throughout the month of XXXX to no avail. On XXXX XXXX I sent written instructions to the servicer. 

This was also not responded to and ignored by the student loan issuer who continues to charge interest on my loans and ignores my request for the income based repayment based on the XXXX  program. 

I have tried countless times throughout the last month and I would do anything to get this process moving in the right direction and the interest that has accrued so far to be taken off my student loan balance. 

My income is EXTREMELY low and I do not have enough to make ends meet in my household at this time. Please help me with my case, and clarify to AidVantage student loan issued that interest should not be accruing beyond the original loan amount with where my income is.
Consumer complaint received 2021-02-15
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MONEY SOURCE, INC., THE (OR)

Our bankruptcy attorney never submitted a reaffirmation of the debt of our mortgage to the bankruptcy court. Our mortgage company , The Money Source ( TMS ) did not approve the reaffirmation and send the form in time to get signatures or get it to the court. TMS is on the XXXX coast and we live on the XXXX XXXX, it generally takes 7 days for First Class mail between the XXXX coasts. TMS sent the form on a Thursday and the court ( XXXX miles from where we live ) XXXX our bankruptcy on the following Monday. Even if the form was sent overnight, it would not have reached us in time. TMS 's lack of response to our inquiries, this reaffirmation issue and now this third regulatory complaint has caused us to suffer in our ability to repair our credit and will cost us higher interest rates for years because they state they are unable to report our perfect payment record to the 3 credit bureaus due to no reaffirmation. In seeking new legal advice we were told our bankruptcy case can not be revisited in court. There appears to be no legal remedy so it is up to TMS to resolve this issue. In our last regulatory complaint TMS responded in part with a letter showing our perfect payment record. We have asked for some remedy in the case that an attorney does not perform their legal duty as TMS claims and have received no response.
Consumer complaint received 2024-06-26
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. (FL)

This reporting agency continues to furnish information that has been pre-opted out of along with identity theft reported inquires. Upon asking for debt validation, the company just verified the accounts but did not show me where they received this information from.
Consumer complaint received 2023-08-03
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. (KY)

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 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am submitting this complaint against TransUnion for their failure to investigate and provide updates or results regarding a disputed collection account on my credit report. On XX/XX/2024, I sent a dispute letter to each of the credit bureau TransUnion, requesting an investigation and validation of an unverified collection account. The details of the disputed account are as follows : Creditor/Collection Agency : XXXX Account Number : XXXX Amount : {$1000.00} In my dispute letters, I requested the following information under Section 609 of the Fair Credit Reporting Act ( FCRA ) : The original signed contract or agreement that created the debt. The name and address of the original creditor. Documentation showing that the collection agency has the legal right to collect on this alleged debt. A full account history, including any payments made on the alleged debt. Despite providing all necessary documentation, including a copy of my credit report highlighting the disputed item, proof of identity, and proof of address, I have not received any response from TransUnion. Under Section 611 of the FCRA, the credit bureaus are required to investigate consumer disputes and provide the results within 30 days. It has been over 60 days since my initial dispute, and I have not received any updates or results from any of the credit bureaus. Dates : Date of Initial Dispute : XX/XX/2024 Date of Follow-Up Dispute : XX/XX/2024 Disputed Amount : {$1000.00} Actions Taken : Sent initial dispute letters to TransUnion on XX/XX/2024 Sent follow-up dispute letters to TransUnion on XX/XX/2024. Provided all necessary documentation, including a copy of my credit report highlighting the disputed item, proof of identity, and proof of address.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. These are the following accounts need to be removed : XXXX - Account Number : XXXX
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

There are XXXX ( XXXX ) private student loan accounts on my credit report that I have tried to have corrected with XXXX, XXXX, TransUnion in the past. The account/tradelines show payments past-due since XXXX of XXXX  by 120 days to 180 days. This is impossible because the accounts are in deferment and/or forbearance. I provided the communications between the lender and myself, yet the CRAs have continued to report the accounts with delinquent payment history. A statement from the lender, dated XXXX XX/XX/2023, is attached. The statement notifies me of forbearance and/or deferment approval and status.
Consumer complaint received 2024-06-26
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. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, 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.