davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-03
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. (GA)

EQUIFAX XXXX REQUEST NOTICE XX/XX/year> I received a copy of my credit report and noticed inaccurate Information reporting. Pursuant to, 15 USC 1681, Accuracy and fairness of a credit Report. According to the law, before any information is inserted to my consumer report, it must be accurate and fair XXXX reporting. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. EQUIFAX is currently reporting negative information as a violation to federal laws. ANY CREDITOR FURNISHING INFORMATION TO A CREDIT REPORTING AGENCY MUST PROVIDE A SIGNED DISCLOSURE FORM FROM ME THE CONSUMER STATING THAT I THE CONSUMER GAVE THE CREDITOR PERMISSION TO REPORT. ( XXXX XXXX XXXX Protection of Non- Public Information ) PLEASE PROVIDE THE DISCLOSURE FORMS RECEIVED IN YOUR INVESTIGATION WHEN ACCOUNTS WERE FIRST PLACED ON MY CREDIT REPORT. 15USC 1681 B PERMISSIBLE PURPOSE OF CONSUMER REPORT. AS A CONSUMER REPORTING AGENCY YOU ARE SUPPOSED TO GET WRITTEN INSTRUCTIONS FROM ME STATING THAT IT IS OK FOR YOU TO REPORT ON MY CONSUMER FILE. YOU DID NOT GET PERMISSIBLE PURPOSE FROM ME THE CONSUMER TO REPORT ON MY CREDIT REPORT. THE INFORMATION REPORTED ON MY REPORT IS NOT FOLLOWING THE INDUSTRY STANDARD CODE. HOW WAS THE INVESTIGATION CONDUCTED? PURSUANT TO 15USC 1681A ( XXXX ) INVESTIGATIVE CONSUMER REPORT YOU MUST PROVIDE ME PROOF OF THE INVESTIGATION. I'm aware of my rights and according to the Fair Credit Reporting Act, I have the right to challenge anything and everything that I'm unsure of. I am demanding that you reinvestigate this account immediately. If you can't provide proof of the reinvestigation, these accounts must be deleted according to 15 USC 1681 i, ( Treatment of Inaccurate or Unverifiable ). In general, if after any reinvestigation under paragraph XXXX, of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer. The law is very clear as to civil liability and remedy available to me. Furthermore, failure to honor this reinvestigation will lead to you being responsible for {$1000.00} per violation. Thank you for giving this your prompt attention.
Consumer complaint received 2023-10-28
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: GOLDMAN SACHS BANK USA (TX)

I sent a dispute letter to the company in XX/XX/2022 regarding a lender reamortization of the loan which increased my debt to higher than the original amount and increased the payments. Also included in that letter was a notation from the dental practice provider that they ( dental provider ) subsidized the loan to give me 0 % interest instead of a XXXX XXXX interest rate. Company failed to acknowledge the dispute letter sent, company failed to respond in 60 days to dispute. Phone calls went no where to arrive at a solution. Accounting procedures are very shady and XXXX payments have never been credited to the account and despite providing proof, they will not credit the uncredited payments. Company has started charging a ~ {$2.00} foreign exchange fee ; the company is domestic. Calls to the company regarding this with the response being insufficient.
Consumer complaint received 2023-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Monterey Financial Services LLC (AZ)

I had a payment get returned to the company on XX/XX/XXXX and on XX/XX/XXXX I remade the payment online ( I paid the amount stated online {$100.00} ). The company has been calling me nonstop while at work, I call them back and had to leave a message. They emailed me saying I still owe them {$19.00} because there is a {$10.00} return fee for the first payment and they never explained what the other {$9.00} was for. They also said that since it is now XXXX I am now 30 days past due which is ridiculous my very first payment was due XX/XX/XXXX. I kept asking them how this could be and they ignored my question and said I must pay the {$19.00} which I already had as soon as I found out I owed it. This company is predatory and obviously will make false reports to the credit bureau.
Consumer complaint received 2023-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

To Whom It May Concern : I have sent multiple letters to this consumer agency to update my personal information, remove debts that do not belong to me, removal of Inquiries that I was not aware of nor authorized, removal of inaccurate information, updating my credit score, request to have verifications of debts mailed to my residence. I have asked for a copy of my credit report mailed along with my updated credit score. What is being reported in inaccurate information which has impacted my livelihood. For months, I have written letters to get updates and nothing has been done. Online, this account indicates that it has not been pulled since XX/XX/2022. This is abuse of power and bad business practices.
Consumer complaint received 2024-06-03
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. (NJ)

Aidvantage keeps notifying me of missed payments, and keeps billing me for my student loans. However, I havent even graduated yet, and therefore have not entered the grace period before repayment, let alone repayment itself. I have informed them of this by email, yet nothing has been done. I also have loans through XXXX XXXX, and they havent started billing me yet because they know I havent finished school yet, yet somehow XXXX thinks they can get away with fraudulently charging me and spamming me with missed payment notifications.
Consumer complaint received 2023-12-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: LoanCare, LLC (IN)

Over the past week, customers of Loancare have been unable to access their accounts and make payments due to a recent cyber attack. The servicer failed to notify customers of this breach and instead just shut the site down without warning. My current payment is now due today and even though their site is " back up '' ... my current monthly payment won't submit. Unable to get them to answer the phone when calling customer service and it doesn't even give the option to be placed on hold. The servicer also removed the ability to pay ahead on Principal and Escrow amounts from their site. 

How can we hold this servicer liable for failure to notify their customers of a security breach in a timely manner, so we can take the appropriate steps to secure our identities and credit? I, as well as many others, had to learn of the data breach from XXXX of all places. This servicer is very unprofessional and needs to be held accountable for their actions.
Consumer complaint received 2023-10-27
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. (FL)

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-19
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. (LA)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2023-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am writing to file a formal complaint against TransUnion for their continuous failure to investigate credit report disputes that I have submitted since XX/XX/2023. Despite my repeated attempts to address inaccuracies on my credit report, I have received only one response dated XX/XX/2023, which accused me of using an unauthorized third party and refused to conduct an investigation.

The items that I have been disputing with TransUnion are as follows : XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX. BANKRUPTCY TransUnion 's failure to fulfill their obligation as a consumer reporting agency to investigate these disputed items is a clear violation of the Fair Credit Reporting Act ( FCRA ) and infringes upon my consumer rights.
Consumer complaint received 2023-09-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

To whom it may concern, The IRS approved the 1099A for car loan on XX/XX/2023. Mailed on XX/XX/2023. Requested a copy of the Copy B For Cancellation of Debt via Certified mail XX/XX/2023. 
My account has not been updated to XXXX Balance as of today XX/XX/2023.
Consumer complaint received 2024-06-02
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (CA)

On XX/XX/year> I found a surprise new {$1.00} fee on my Synchrony Lowes account. I contacted them and asked what it was for and that they remove it since I never authorized it. They claimed that it was a new paper statement fee that I had to accept if I wished to continue receiving a mailed statement each month. They also claimed that they had informed me of this previously, even though I was not aware of it. They gave me a one time " courtesy '' reversal and I begrudgingly accepted paperless statements. 

Then on XX/XX/year> I found several articles indicating that this policy is not lawful in several states, and that CA is one of them ( Found here - XXXX XXXX XXXXXXXX ). They state that CA has a prohibition against CC companies charging customers additional fees to receive paper statements. I contacted Synchrony Lowes again and specifically asked why they were trying to charge for paper statements when it was prohibited in CA and they refused to directly answer that question. They said I could either agree to be charged for paper statements, go paperless, or have my account closed. 

Both times their " support '' agents refused to provide me with a copy of the " support '' chat transcript, claiming that Synchrony " doesn't use email '', even though they'd told me in the same chat session that " Synchrony would be emailing me a statement ''. 

I can provide additional info if requested.
Consumer complaint received 2024-03-19
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. (NY)

I just reviewed my credit reports again and I can still see the inaccurate information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality. I'm a victim of Identity theft and this information is not mine.
Consumer complaint received 2023-09-19
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. (MA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-09-19
Product: Credit reporting 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)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-19
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. (MS)

Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.
Consumer complaint received 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (FL)

I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report with the reference number : XXXX, which is enclosed with this correspondence. 

XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-02
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. (TN)

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Installment account at XXXX XXXX XXXX, opened on XX/XX/XXXX, # XXXX, a personal credit card at XXXX  XXXX, opened on XX/XX/XXXX, # XXXX, a personal credit card at XXXX XXXX XXXX opened on XX/XX/XXXX, # XXXX, a personal credit card at XXXX  XXXX XXXX XXXX opened on XX/XX/XXXX, # XXXX, a secured credit card at XXXX XXXX XXXX XXXX opened XXXX XX/XX/XXXX, # XXXX, an auto loan at XXXX XXXX XXXXXXXX, opened XXXX XX/XX/XXXX, # XXXX, an installment account at XXXX XXXX XXXX, opened XXXX XX/XX/XXXX, # XXXX, and a unknown account at XXXX  XXXX XXXX XXXX  opened on XX/XX/XXXX, # XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts and collections as reported. The aforementioned accounts and collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts and collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are the result of identity theft and fraud.
Consumer complaint received 2024-03-19
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. (CA)

ON XX/XX/year> I SUBMITTED MULTIPLE COMPLAINTS ON XXXX, TRANSUNION AND XXXX THROUGH THE CFPB WEBSITE, I ALSO MAILED THE SAME LETTERS VIA USPS. 

AFTER MANY MONTHS OF DISPUTE LETTERS AND COMMUNICATIONS WITH XXXX, I AM APPALLED THEY SENT MULTIPLE EMAILS TO ME STARTING ON XXXX XXXX WHICH ALL CONTAINED THE BELOW FIRST FEW PARAGRAPHS. 

FROM XXXX ; [ [ [ XXXX XXXX XXXX, To view your rights, visit XXXX  and XXXX 

We are responding to your request that information in your personal credit report be blocked due to identity theft. Based on our review of your request and the information available to us, we have determined that either : your request to block was made in error, or, your request to block information was based on a material misrepresentation, or, you knowingly obtained or should have known that you obtained possession of goods, services, or moneys as a result of one or more of the transactions that you are seeking to block.

Therefore, we are declining your request to block one or more of the items of information. If you have additional relevant information that indicates that the disputed item ( s ) resulted from identity theft, please contact us again and provide this information. If you still believe the disputed item ( s ) is inaccurate, then we will add a statement of continued dispute to the credit report at your request. ] ] ] I RECEIVED ONE EMAIL ON XX/XX/year> AND ANOTHER ON XX/XX/year> THEN FINALLY ANOTHER ON XX/XX/year>. 

ATTACHED IS THE LETTERS THAT I SENT VIA USPS ALONG WITH THE LETTERS SENT ON THE CFPB COMPLAINT. 

MY COMPLAINT ; [ [ [ I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT AND NOTICED I HAD FRAUDULENT ACCOUNTS ON MY REPORT. PLEASE REMOVE THESE ACCOUNTS FROM MY REPORT, THEY ARE HURTING MY ABILITY TO OBTAIN CREDIT. ] ] ] I HAVE INCLUDED A COPY OF MY IDENTIFICATION CARD, SOCIAL SECURITY CARD, AND TWO SEPARATE LETTERS WITH MY ADDRESS FOR VERIFICATION. 

SINCE THIS IS MY SECOND TIME SENDING THESE AND A COMPLAINT, WITH MY WORDS HERE AND SHOWING THE CONTENTS OF THE EMAIL RECEIVED FROM THE CREDIT BUREAU, THERE SHOULD BE NO WAY THAT THIS REQUEST WAS MADE IN ERROR! IT IS ALSO NOT BASED ON A MATERIAL MISREPRESENTATION OR THAT I KNOWINGLY OBTAINED OR SHOULD HAVE KNOWN ANYTHING REGARDING THE TRANSACTIONS THAT I AM SEEKING TO BLOCK. 
THIS EMAIL IS KNOWN AS A STALL TACTIC BY THE GENERAL PUBLIC AS A SHADY PRACTICE FOLLOWED BY THE CREDIT BUREAUS.
Consumer complaint received 2023-08-30
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Specialized Loan Servicing Holdings LLC (OH)

As of today, XX/XX/XXXX, there has not been any resolution to our payment issue. Another copy of the cancelled check was provided to Specialized Loan Services per their request and there is still nothing being done. They have reversed every payment now that we have ever made resulting in a past due status on our account. They have also caused my credit score to drop XXXX points in XXXX due to them reporting us opening a new account with them on XX/XX/XXXX and then closing it the very same day?? We need some direction on how to proceed and if we need to seek legal advice for our protection. This company has very little regard for their customers and I believe what they are doing to us is borderline criminal. 

The payment they are withholding from our account is in the amount of {$22000.00}. It was cashed and posted by SLS on XX/XX/XXXX and applied to our account. The check was then reversed by them on XX/XX/XXXX without explanation. 

Thank you for your assistance.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind.