davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

XXXX XXXX sold the deferred amount of {$95000.00} to XXXX, but are not deducting the sold amount from the retained amount when reporting to the credit bureau. My statement balance with XXXX XXXX is {$310000.00}, but XXXXXXXX XXXX is falsely reporting {$410000.00} to the credit bureau to include the {$95000.00} they sold to XXXX. The issue is that I'm making payments to XXXX  so XXXX Mortgage is not reducing the {$95000.00} as I make payments towards the deferred amount sold to XXXX. XXXXXXXX XXXX XXXX reason is that XXXX is not making them aware of my payments to XXXX. Since XXXX XXXX  has decided to report the {$95000.00}, which no longer belongs to them, they are responsible for reporting the correct amount therefore should do their due diligence to achieve updated information from XXXX each and every time that they report my balance to the credit agencies. As I am making them aware that they are not reporting the correct balance of the deferred amount that they sold to XXXX they are willfully and knowingly reporting an incorrect balances of the amount that I owe on the original deferred amount of {$95000.00} which is impacting my credit score therefore impacting interest rates offered to me. This means that there is harm if I were to file a tort claim which I am seeking legal assistance in this matter.
Consumer complaint received 2023-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Consumer has notified previously of dispute and EQUIFAX is still in violation and reporting fraud on consumer report. The company XXXX XXXX XXXX XXXX is involved with identity theft account and consumer request for immediate removal of account listed as XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-10-22
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. (FL)

Since XXXX of this year, I have tried to solve a problem with the XXXX XXXXXXXX XXXX  account, where since 2018 I had a vehicle loan with this entity. account that ends in XXXX. 

On multiple occasions I contacted the credit agencies which the information they share is incomplete, and incorrect and even without any registration and likewise report the account as verified, completely violating the regulations of the FTC. 

I have been communicating since XXXX of this year with the company where I have XXXX afternoon payments of an account that were presented in XXXX  and which the payments were made on time without any problem but then I suffered bank theft and my accounts were closed for security, and the payments were returned but it was immediately resolved and the loan was paid in full without having any difficulty with this account. 

Unfortunately, this company sent him letters explaining the situation so that this information was corrected and their response was that the account was archived because it is already closed and they could not change anything that talked to the credit agencies. 

So I am writing by this means so that the necessary measures are taken so that this information is corrected or removed from my credit report since as established by the FTC, it was due to an identity theft issue and my credit and my person were negatively affected.
Consumer complaint received 2023-10-22
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. (FL)

Since XXXX of this year, I have tried to solve a problem with the XXXX XXXXXXXX XXXX account, where since XXXX I had a vehicle loan with this entity. account that ends in XXXX. 

On multiple occasions I contacted the credit agencies which the information they share is incomplete, and incorrect and even without any registration and likewise report the account as verified, completely violating the regulations of the FTC. 

I have been communicating since XXXX of this year with the company where I have XXXX afternoon payments of an account that were presented in XXXX and which the payments were made on time without any problem but then I suffered bank theft and my accounts were closed for security, and the payments were returned but it was immediately resolved and the loan was paid in full without having any difficulty with this account. 

Unfortunately, this company sent him letters explaining the situation so that this information was corrected and their response was that the account was archived because it is already closed and they could not change anything that talked to the credit agencies. 

So I am writing by this means so that the necessary measures are taken so that this information is corrected or removed from my credit report since as established by the FTC, it was due to an identity theft issue and my credit and my person were negatively affected.
Consumer complaint received 2023-10-22
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. (GA)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2018-05-12
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION (NJ)

XXXX XXXX has offered me no reasonable options to make payments. I have hundreds in other bills to pay each month, I work part-time and I can't even live on my own or support myself because XXXX XXXX is a black cloud over my life.

My grandmother and I spent over an hour on the phone with a " customer service '' employee, a female, who realized that we both had a deficit when it came to our monthly income and bills each month after a financial examination. That being a reality, I still was not offered a reasonable option to begin payments. I was told that I " have the money '' .. even though I was in a deficit.

It is absolutely crazy how this company would rather drive people to insanity and depression instead of doing all they can to make payments affordable. To really ask if a co-signer, almost XXXX years old, would be " seeking full time work '' in order to help me pay the ridiculous amount is crazy.

I'm not sure what can be done, but the truth about XXXX XXXX and the type of greedy business they run needs to be brought to light, and the lawsuits currently against there shed light on how unreasonable this company is.
Consumer complaint received 2023-08-04
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Westlake Services, LLC (SC)

I am filing complaints against Us Auto Finance for closing and file bankruptcy without my acknowledgment and that my kill XXXX doesnt stop beeping and complaint against Westlake Portfolio management for not providing that they have my contract with my signature on it, I also what a refund for my GAP insurance in the amount of {$690.00} that they dont honor that I paid for and not honoring the deferment of {$590.00} that I paid for and charging late fees that are not in the original contract. I have requested many time for my contract with my signature, also my credit was hit very hard, westlake hasnt report to any of the XXXX credit companies, I want the refunds for Gap and deferment amounts and my credit fixed ASAP or as for the deferment amount be used for my XX/XX/XXXX and XX/XX/2023 be used for those payment dates Thank you
Consumer complaint received 2023-07-09
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. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Date of Birth : XX/XX/XXXX { Date } XX/XX/XXXX RE : Investigation Request to Delete closed accounts. 

To whom it may concern, In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #, along with original contract with legally binding signature. 
Closed accounts on my credit reports are inaccurate and not reflecting accurate information throughout each bureau. I request complete deletion immediately. 

INCORRECT ACCOUNT INFORMATION The accounts below are reporting incorrectly please investigate these : 1. { XXXX XXXX XXXX XXXX  } { ac # XXXX } { Reason for Dispute : Grantor closed my account unlawfully after i requested late payment removed due to improper reporting and inaccurate information thus my reinvestigation request which was violated and never answered. instead creditor/grantor closed account with no notice. this constitutes fcra violation. This closure will affect my credit rating, worthiness and reflects inaccurate negative status. i will be pursuing legal action for punitive damages and improper procedure as per fcra law } { this account was closed by grantor and still reflects as open, i request immediate deletion } 2. { XXXX } { ac # XXXX } { Reason for Dispute : I HAVE NO KNOWLEDGE OF THIS ACCOUNT. Remove from my credit reports immediately } 3. { XXXX XXXX XXXX } { ac # XXXX } { opened : XX/XX/XXXX } { Reason for Dispute : I HAVE NO KNOWLEDGE OF THIS ACCOUNT. Remove from my credit reports immediately } Lastly, please remove all non-account holding inquiries over 30 days old from my credit file. 

I am allowing you 30 days to complete this investigation after which I authorize you to mail me my updated credit reports along with the investigation results including deletions of these accounts and inquiries off of my reports Truly, XXXX XXXX XXXX
Consumer complaint received 2023-10-22
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. (DC)

I AM The Victim Of Identity Theft ; Whereas, FRAUD ACCOUNTS -AND - CREDIT INQUIRES Appear Per My Credit Report. With That Said, A Designated Police Report ; Proof Of Law Enforcement Correspondence ; And, Proof Of True Identity Forwarded As Such : FRAUD ACCOUNTS : 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 XX/XX/2022 TransUnion XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/2022 TransUnion ; XXXX XXXX XXXX XXXX XX/XX/2022 TransUnion ; XXXX XXXXXXXX XXXX XXXX XX/XX/2022 TransUnion ; XXXX XXXX XXXX XXXX XXXX XX/XX/2022 TransUnion ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

In accordance with the Fair Credit Reporting act 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
Consumer complaint received 2023-10-22
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)

In accordance with the Fair Credit Reporting act ; XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my right to privacy.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 accounts without my written instructions. Furthermore, these accounts is inaccurate and should be removed.
Consumer complaint received 2024-03-14
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: Experian Information Solutions Inc. (WI)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2023-10-22
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. (CA)

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 a right to privacy.

15 U.S.C 1681c Section 604 ( a ) ( 2 ) States that a consumer reporting agency can not furnish a account without written consent of the consumer. ( Me )!

15 U.S.C 1681s-2 Section ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agencies if the person knows or has reasonable cause to believe that the information is innacurate. 

XXXX ; XXXX XXXX XXXX. {$390.00} XXXX XXXX. {$0.00} XXXX XXXX XXXXXXXX. {$370.00} XXXX XXXX. XXXX. {$130.00} XXXX XXXX. XXXX. {$260.00} EQUIFAX XXXX XXXX XXXX XXXXXXXX. {$390.00} XXXX. XXXX. {$260.00} XXXX XXXX XXXX. {$130.00} XXXX XXXX XXXX. XXXX. {$260.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$390.00} XXXX XXXX XXXX XXXXXXXX. {$0.00} ALL THREE CREDIT REPORTING AGENCIES REFUSED TO SEND ME A FREE COPY OF MY CREDIT REPORT UNLESS I AGREED TO THERE TERMS OF SERVICE AND PAID FOR THERE PREMIUM SERVICE ONLINE ON XX/XX/2023 I HAVE NOT GIVEN ANY WRITTEN CONCENT NOR VERBAL CONCENT FOR ANY AGENCY TO REPORT ON ANY OF THESE NEGATIVE ITEMS. THERE ARE ALSO NEGATIVE ITEMS WITHIN THE LIST PROVIDED HERE THAT I HAVE NO KNOWLEDGE OF. 
I AM ASKING THAT ALL THE ITEMS BE REMOVED IMMEDIATELY. THEY HAVE PRETTY MUCH RUINED MY LIFE. COMPLETELY RUINED MY LIFE! THANK YOU!
Consumer complaint received 2018-12-13
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: United Credit Service Inc (WI)

Received XXXX  care from XXXX XXXX XXXX in XXXX XXXX XXXX, WI in 2017. 

Was subject to unneeded unwanted tests that the XXXX said would be covered by XXXX Part B. 

The tests were simply ways to fraudulent charge XXXX. 

Disputed the exorbitant charges to no avail. Was referred to United Credit Services in XXXX, WI who now harass me. Requested United Credit Services remove the collection from my credit reports. No response from them. This is a very frightening organization to a senior citizen.
Consumer complaint received 2023-10-22
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. (SC)

I received a copy of my credit report and found the following item ( s ) to be in error.

Please delete the following mis-reporting or not proven compliant, alleged information found on my credit report ; XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX TransUnion I did not authorize or sign for any of these inquiries and by the provisions of the Fair Credit Reporting Act, I demand these items be investigated and removed from my credit report. It is my understanding that you will recheck these items with the creditor who has pasted them. Please remove any information that the creditor can not verify. I understand that under 15 U. S. C. Sec. 1681 ( a ), you must complete this reinvestigation with 15 days of this receipt of this letter. 
Please send an updated copy of my credit report to the above address. Accounting to the act, there shall be no charge for this updated report. I also request that you please send notices to anyone received my credit report in the past six months.

Thank you for your time and help in this matter.
Consumer complaint received 2024-03-14
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: Experian Information Solutions Inc. (SC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-06-21
Product: Student loan — Private student loan
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Navient Solutions, LLC. (TX)

As a private student loan co-signer for XXXX years, the original borrower recently got federal student loans forgiven but will not pay private loan as she should and have destroyed my credit and have made my life unbearable. When payments are not made, my phone constantly rings all day. I am on a fixed income and do not have extra money to pay to save credit. I am looking for a recourse to take for a relief. Are there any rules for other student loan payments after federal student loan forgiven?
Consumer complaint received 2023-10-22
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. (SC)

I received a copy of my credit report and found the following item ( XXXX ) to be in error. 
Please delete the following mis-reporting or not proven compliant, alleged information found on my credit report ; XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian I did not authorize or sign for any of these inquiries and by the provisions of the Fair Credit Reporting Act, I demand these items be investigated and removed from my credit report. It is my understanding that you will recheck these items with the creditor who has pasted them. Please remove any information that the creditor can not verify. I understand that under 15 U. S. C. Sec. 1681 ( a ), you must complete this reinvestigation with 15 days of this receipt of this letter. 
Please send an updated copy of my credit report to the above address. Accounting to the act, there shall be no charge for this updated report. I also request that you please send notices to anyone received my credit report in the past XXXX months. 
Thank you for your time and help in this matter.
Consumer complaint received 2023-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

this account was paid in full in the department store in XXXX. The payment was misapplied and later credit ed back about 30 day later .The late payments are incorrect. XXXX  was paid directly I never heard of XXXX XXXX. The store is out of bossiness and the bank has failed to respond to my correspondence. they have violated FCRA LAWS THEY NEVER INFORMED ME THAT THEY WERE PLACING ANY NEGATIVE ACTIVITIES ON MY CREDIT REPORT.THE ARE REPORT ON ACCOUNT THAT PAID COMPLETELY OFF WITHOUT LATE PAYMENTS. I HAVE DISPUTED AND THE VIOLATED FDCPA LAWS BY NOT ADDRESSING MY CONCERNS AND DISPUTE
Consumer complaint received 2018-09-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (CA)

My home value is {$750000.00} My conventional first mortgage with NationStar/Mr. Cooper is {$170000.00} I do NOT require nor did I ever ask for an impound account. 
I pay my taxes and homeowners insurance on my own. I have never been late with either taxes or insurance. 
Lender arbitrarily opened an impound account for me. They state that my homeowners insurance company XXXX ( military insurance ) reported that I was late on my payments so they took 100 % of one of my mortgage payments and applied it to my insurance policy. 
So I now have a missing mortgage payment. I was not made aware of this and now my credit has been dinged with a 30 late payment on my mortgage. My insurance company NEVER reported me as being late, when I informed Mr. Copper ( Lender ) of this they stated that they saw on an EDI that I was paying monthly and they prefer payment in full on insurance policies. My insurance company is sending back the payment they received on my behalf from my lender. I am told by lender that until that is paid they can not close the escrow/impound account. I want my perfect credit score reinstated asap. Please advise.
Consumer complaint received 2023-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

XXXX, Equifax, XXXX. All of these credit reporting agencies are reporting, inaccurate information on their reports without my written consent. According to 15 U.S. code 1681B. They are reporting late payments with XXXX, inaccurate addresses, as well as employers that I dont work for. I never gave them written consent to report my information.