davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-17
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 submitted dispute with CFPB on XX/XX/24 for the following item : XXXX XXXX XXXX They have come back saying the information was verified I am now sending facts showing the inaccuracies with a copy of credit report. Simply stating that this is a verified account doesn't change the fact that I don't know what it is or why it is on my credit report! I need to see everything you've " verified '' with this account. This account was never legally investigated or verified. You're reporting false info. 

XXXX XXXX XXXX I was never late on this account, please send me the docs that prove that I was ever late, I cant figure out how you verified this late payment, when the only legal form of verification is the actual bank statement belonging to this company, Each bureau has different info in the historical payment data this is inaccurate and all lates need to be removed. How can the credit bureau claim information is verified when inaccuracies persist on the credit report? This raises questions about the effectiveness of their verification process and the need for transparency and accountability in credit reporting. At this point, I can't help but feel like I'm being discriminated against.
Consumer complaint received 2018-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CURO Intermediate Holdings (CA)

This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : CURO MANAGEMENT, LLC Inquiry Date XX/XX/2017 XX/XX/2017
Consumer complaint received 2023-10-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AIDVANTAGE -XXXX XXXX XXXX XXXX aidvantage.com XX/XX/XXXX I have been trying to contact Aidvantage for months, emails, faxes, phone calls. XXXX transferred my servicer to Aidvantage XX/XX/XXXX. The problems ( 1 ) My students loans were discharged in XX/XX/XXXX by the XXXX XXXX XXXX finalized in XXXX. Aidvantage ( and you XXXX ) keep reporting the balance of {$200000.00} to the credit bureaus. ( 2 ) Additionally, Aidvantage incorrectly reports the loans were from XXXX XXXX XXXX. They were from XXXX XXXX I sent numerous emails, faxes, phone calls no one answers. This issue is intentionally hurting me and my credit. This needs to be corrected and reported correctly. I owe XXXX I have also contacted the CFPB, XXXX and my Senator. CORRECT THIS. 
I HAVE ATTACHED THE INFORMATION CONFIRMING THE LOANS WERE FROM XXXX XXXX 

Regards, XXXX XXXX XXXX Cc : file
Consumer complaint received 2023-10-18
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)

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. XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXXXXXX XXXX  : # XXXX, XXXX : # XXXX, Total XXXX XXXX : # XXXX, XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX : # XXXX, DEPT OF EDXXXX XXXX # XXXXXXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX  : # XXXX have violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

This is my 1st Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Upgrade, Inc. (CA)

XXXX XXXX {$630.00} reached out multiple times they said to send a letter i did and i never heard back Upgrade unsecured loan charged off on my credit report im not sure the amount it says highest balance {$4200.00} XXXX XXXX XXXX {$910.00}
Consumer complaint received 2023-10-17
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: SANTANDER HOLDINGS USA, INC. (GA)

I am a XXXX XXXX XXXX. I informed the company several times to please give me time to make a payment or to help me make arrangements. I requested that they assist me in a potential deferment so that I could continue to get to XXXX XXXX. I was very communicative of my situation. I attempted to make payments that they returned. Then they repossessed my much needed vehicle right when I needed XXXX to remove a XXXX  XXXX XXXX. 
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 which states I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Pursuant to 5 USC section 552a ( i ) ( 3 ), I am requesting that this disputed item be removed permanently from my credit report immediately. This statute states that any agency which fails to maintain any record with accuracy, relevance, timeliness and completeness as is necessary to guarantee fairness in any determination shall not use such record. Please contact me at the address provided to let me know that you have corrected my credit report by removing the disputed item within the next 30 days as stipulated by the Fair Credit Reporting Act. Thank you.
Consumer complaint received 2023-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

Upon reviewing my Consumer Reports, I have identified instances of late payments recorded on an account for which I have always made timely payments. It is of utmost importance that Consumer Reporting Agencies fulfill their obligation to accurately report consumer information to the best of their abilities. I would like to draw your attention to the specific account in question : XXXX with the associated account number XXXX I kindly request a comprehensive investigation into this matter and kindly ask for supporting evidence in the form of statements that substantiate the reported lateness of these payments. In the event that it is not feasible to provide such evidence, I firmly demand that these payments be corrected and updated to accurately reflect their true status as on-time payments. I want to emphasize that I have consistently made timely payments and it is crucial that this information be faithfully represented. 

Thank you for your prompt attention and prompt resolution of this issue. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-10-17
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. (NY)

I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.
Consumer complaint received 2023-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NV)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions
Consumer complaint received 2023-10-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: RoundPoint Mortgage Servicing LLC (CA)

When Roundpoint bought our mortgage they continued to send out the wrong payment on our statement. Several calls to Roundpoint to fix our statement has only gotten worse. We are paying more in monthly payments even after sending them a separate check for our escrow account.
Consumer complaint received 2023-10-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION (MN)

I had asked to change my payment date to the XXXX of the month from the XXXX. Which they did but they were reporting I was making my payments late and adding on fees. Now the last 3 months I had called to push my payment out which they agreed to and I made those payments and again late fees and reporting I wasn't making the payment to the credit bureaus. On or about XX/XX/XXXX I spoke with a customer service rep and told her I would not be able to make the payment for XX/XX/XXXX until XX/XX/XXXX, she instead set it up for XX/XX/XXXX and again I got a late fee and reported none payment!! They also cancelled my payment arrangement for the XXXX of each month multiple times. This is ridiculous!
Consumer complaint received 2024-04-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2023-10-17
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. (LA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Louisiana XXXX XXXX SS # XXXX DOB # XX/XX/ To who it may concern, There was a breach with the Office of Motor Vehicles and requesting a deletion : inaccurate information You are in Direct Violation of the Fair Credit Reporting Act which has been violated several rights. 
15 U. S. C 1681 section 602A. Clearly states that 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 an account without my written instructions.

15 U. S. C 1666B : A creditor may not treat a payment on a credit card account under and open-end consumer credit plan as late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act. 
I am Requesting all these inquiries be deleted : 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 XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-04
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'm aware that under FCRA 605B, it's necessary to eliminate any incorrect accounts from my credit report. Would you mind reviewing the documents? I've noticed that several of the listed accounts appear to be inaccurate, which is causing me concern.
Consumer complaint received 2023-10-17
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)

I recently obtained a credit report, and had many unauthorized inquiries reporting from " transunion '' I called transunion to inform them that these were not authorized or performed by me and they were done illegally without my consent. transunion offered me no help other than to dispute with the creditor which told me to call transunion. the following inquiries are listed by name and date they are : 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 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I I am a natural person, I am a living human being, I have rights under 15 U.S.C 1681. XXXX is governed by 15 U.S.C 1681, XXXX has violated my rights numerous of times. I demand the account below be removed immediately : XXXX. XXXX XXXX Acct # XXXX ACCORDING to XXXX U.S.C 1681 ; I have the right to privacy and I did not give XXXX written permission to furnish these accounts. I have no contract with XXXX. XXXX XXXX. I have no contract with XXXX XXXX XXXX Provide original contract for this account.
Consumer complaint received 2023-05-07
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: CLGF Holdco 1, LLC (IL)

This company has continued to report this account onto my credit report. This account is also reporting inaccurate information. I would just like for this account to be deleted and removed from my credit report. I didnt give permission to have these accounts furnished to my report.
Consumer complaint received 2023-10-17
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Date : XX/XX/2016. 
Amount : {$2500.00} My checking and savings account was close by bank of america and I did call they not telling me why my account was close, I have remaining balance of {$2500.00} in my saving account, I call the bank of america several time to let me go inside branch to receive a cashier check inside the branch immediately but they want me to wait all 5 days to get approved I really need to get my money, my money is in my savings account I need to get access to my money I need access to go inside a branch to get a my money inside branch I have hardship I will be home with my XXXX if I don't have access of remaining balance I my saving I have ret due
Consumer complaint received 2023-06-17
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: Experian Information Solutions Inc. (WI)

On XX/XX/XXXX I disputed my XXXX credit card account that still showed it as open on my Experian credit report. I even attached emails as proof - the same proof that I am attaching in this complaint now. 

This account was closed on XX/XX/XXXX. I have submitted proof but yet Experian denied it and yet it still remains on my credit report. It needs to be removed. Yesterday ( XX/XX/XXXX ) they completed their investigation but it still shows it as open. Their dispute investigation results were as follows : The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. 

I don't understand how they could make that determination that the account was still open when in fact IS NOT! There is no email address or form to contact Experian about this. I could not re-dispute this either.
Consumer complaint received 2023-10-17
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. (FL)

I submitted dispute with CFPB on XX/XX/XXXX for the following item XXXX  XXXX They have come back saying the information was verified I am now sending facts showing the inaccuracies with a copy of credit report showing inaccuracies. 

XXXX  XXXX each bureau reports a different date of last activity, different dates listed under " date of last payment '', the balance is higher than the high balance, The open date is different on all XXXX bureaus, you said date of last payment was XX/XX/XXXX but in payment history it shows on time payments were made in XXXX, XXXX, and XXXX. how can this be? How can the credit bureau claim information is verified when inaccuracies persist on the credit report? This raises questions about the effectiveness of their verification process and the need for transparency and accountability in credit reporting. At this point, I can't help but feel like I'm being discriminated against. I demand this account be removed asap
Consumer complaint received 2023-04-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Hello I wanted to sell a dress only which I had listed in XXXX XXXX for {$590.00}, I seen someone who you would think is a real person to my thought this fraudulent sick person made it seem so real, he sent me emails & it looked so real after me sending {$300.00} via XXXX, XXXX sometimes asks are you sure this come be a scam before sending something along those lines of course i wanted to sell the dress & i sent {$300.00} without knowing minutes later this man kept the money asked me for {$600.00} i said no & searched up the scammed which is daily XXXX scams online on XXXX XXXX who are scammers who hack into people accounts. Capital one Bank took 10 days to tell me my claim was DENIED .. XXXX
Consumer complaint received 2023-10-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: PENNYMAC LOAN SERVICES, LLC. (IA)

My family has had long term financial hardship due to XXXX. XXXX XXXX advised that they can not waive late fees that have already been paid. This is completely unethical because when you go to make a payment online it looks like I have to pay the fee to avoid being reported late on my mortgage. It seems to me they set up the system this way so they dont have to waive fees. This is completely unfair and violates XXXX regulations. I am asking for help in getting these fees waived so we can continue to live in our home. I received a late fee XXXX of XXXX, XXXX of XXXX, XXXX of XXXX, and XXXX of XXXX. The response that they cant wait the fee if its been paid is completely unethical and they should not be allowed to cheat customers this way. The only reason why the late fees were paid because they make it appear that I didnt have a choice or my payment would be reported late to the credit agencies. I am just asking for the ridiculous XXXX fees to be waived. This fee is absorbent and completely unfair.
Consumer complaint received 2023-08-21
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. (CA)

I disputed the existence of the XXXX XXXX item on my Transunion credit report, but Transunion continues to report inaccurate XXXX XXXX  information on my Transunion credit file. I have not heard back from Transunion since my last XXXX XXXX dispute.
Consumer complaint received 2023-07-19
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: VYSTAR CREDIT UNION (FL)

Starting about 5 years ago - vystar continues to charge a nsf fee when a creditor tries to pull a payment that i didnt realize was due & then they double charge & trible charge EVERY time creditor tries to pull. Its XXXX XXXXXXXX. If the funds arent there- it should only be XXXX fee. XXXX XXXX XXXXXXXX just got hit for doing this EXACT same thing.