davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-28
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. (OH)

I am aware that, in spite of the precise information customers have provided, you have been using pre-written standard form letters in your responses to a large number of disputes, complaints, and challenges. I am fully aware that this is illegal because every customer complaint needs to be considered on its own merits and handled accordingly.

My letters have written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. And it is against the law to delay the processing of letters from consumers based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I am aware that you can postpone answering consumer letters without having to ask for a Power of Attorney. I will view your failure to respond to my correspondence in a timely manner as a willful disregard for my rights as a customer. I will be forced to get in touch with my lawyer and take legal action in such a situation.

According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of XXXX XXXX data fild reporting, I have the right to dispute any information on my credit report that I believe is not correct. It is essential that all data included in a consumer 's file is properly documented and validated before it is made available for use by creditors. Therefore, I take this matter seriously. The allegations of delinquency and derogatory information against me are entirely false, I won't stand for any misinformation being associated with my name and fiancial history and I am determined to FIGHT back with ALL my strength! The accuracy of your credit report is crucial. The allegations listed do not meet the federal or state requirements for reporting and can not be substantiated. I challenge these claims due to their failure to comply with basic reporting standards, which would provide me with greater confidence in the accuracy of the information presented. It is your responsibility to maintain and report data with complete accuracy and compliance. You must not report any claims that you know do not meet regulatory requirements. It is crucial that we ensure all claims are accurate and reported in the appropriate format as mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as XXXX XXXX. I kindly request that you handle this matter with utmost care and diligence. 
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 2018-08-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (PA)

Back on XX/XX/XXXX I received an XXXX Scholarship thru XXXX XXXX for {$1000.00} and since I graduated already I wanted it to be applied to be student loans. I called my lender at the time and made sure that it would be applied to me loans. I was told over the phone that as long as it was received by the financial institution that it would be applied to my principal. I received confirmation back on XX/XX/XXXX thru a phone call from XXXX that it was received by my lender. I continued making payments like I normally do all XX/XX/XXXX, XX/XX/XXXX, and then XX/XX/XXXX comes. Mohela tells me thru a call that they received a {$1000.00} credit on my account and I am paid to far ahead and payments need to stop. I didn't not want to stop my payments. I NEVER missed a payment. I was confused and told them it was a mistake and I didn't make a {$1000.00} payment on my account. Then they said it was from XX/XX/XXXX. I laughed at them and said they had to be joking. I explained above and they said they couldn't do anything about it. They didn't tell me anything about collecting interest daily on my account. When they sent me the following months bill that was due under total interest due it even said {$0.00}. I had not knowledge that anything was due nor did I have an amount to send them. They are the ones to tell me that I was paid to far ahead from XX/XX/XXXX-XX/XX/XXXX which is ridiculous in the first place. Then when my payments finally started coming out of my bank again after about 6 months again I paid closer attention to my student loans then I did before. In the past it said on my statement the total due was XXXX and now my total due changed and it says XXXX. So I called Mohela and asked them about my total due and they gave me some strange answer that makes no sense to me because in the end they said I still owe XXXX even though my billing statements say XXXX?! I also started to notice that after 4 to 5 months after repaying my loan after this happened all my payments were going strictly to interest only. Nothing was applied on principal for almost 1 year. I was calling and messaging them and complaining and I kept getting the same answers. There was nothing more they could do and that I was paid ahead. 1 year of XXXXmo payments for applying a {$1000.00} scholarship to my loan back in XX/XX/XXXX!! Its not worth it. I was better off not taking the scholarship.
Consumer complaint received 2023-05-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied Collection Services, Inc. (Nevada) (VA)

I purchased a smart bed from XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV ) on XX/XX/XXXX. I paid with my XXXX XXXX XXXX XXXX XXXX  for the full amount without financing it. The bed was delivered on XX/XX/XXXX. Before I unboxed bed, I could smell the unbearable horrific odor. Along with the smell, there was also mold all throughout the bed. I immediately notified XXXX XXXX of this unacceptable furniture delivery, they had me take pictures and through several emails, they agreed to pick up the bed and send me a replacement. In addition, they also included white glove delivery service, and complementary installation for the replacement bed. 
Second bid delivery was on XX/XX/XXXX. Same unbearable smell, with less mold stains. 
Once again, I notified the furniture company. They asked for pictures again, which was a long and inconvenient process, especially considering this was the second time. 
At this time, I was no longer ready to give them another chance, I just wanted them to come get their bed and refund my money. They refuse to do so, and wanted unreasonable options, for example, to have a cleaning company, inspect my bed along with {$100.00} XXXX of the next purchase. After several attempts for them to come get their bid, and refund my money, I decided to go a different route. XX/XX/XXXX I reached out to XXXX XXXX XXXXXXXX since that was the original form of payment, and started a dispute claim. 
I submitted to XXXX  XXXX XXXX all my saved emails between XXXX XXXX and myself. XX/XX/XXXX XXXX  XXXX XXXX judged in my favor and awarded me the full {$4100.00} back to my account, shortly after words when I thought I could put this behind me I was still getting emails from XXXX XXXX not happy that I was awarded the case and the {$4100.00} was refunded they vowed to get their money back from me. Fast forward to XX/XX/XXXX. I periodically check my credit report through XXXX XXXX, I notice that there was a collection on my account for {$4300.00} through Allied Collection SE. opened XX/XX/XXXX. This frustrated me beyond belief, I was never notified by this collection company. No email, no phone call, no postal letter. As I stated earlier, original payment form was through a XXXX XXXX XXXXXXXX debit card, for full amount, not a finance which that payment was reversed due to XXXX XXXX XXXXXXXX investigation which included XXXX  input. I will include XXXX XXXX XXXX letter stating that they reversed the payment. I would like to file a complaint against Allied collection. S E, and I will file additional complaint with the appropriate agencies for XXXX XXXX. 
Thank you
Consumer complaint received 2024-03-20
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. (CA)

I am writing to you under the gravest concern regarding an unauthorized hard inquiry listed on my credit report. This inquiry has unjustly impacted my credit score and has severe implications for my financial stability and business operations. Despite my efforts to resolve this matter through communication with your team and intermediaries, the inquiry persists, leading me to escalate my concern through this formal complaint. 

The continued presence of this hard inquiry on my credit report is a clear violation of several consumer protection laws, including but not limited to : Fair Credit Reporting Act ( FCRA ), which mandates accurate and fair reporting of consumer credit information. Under the FCRA, consumers have the right to dispute inaccurate information and demand its correction or removal. The failure to promptly address and rectify the disputed inquiry contravenes my rights under this act. 
Fair and Accurate Credit Transactions Act ( FACTA ), an amendment to FCRA, which enhances consumer rights regarding credit information accuracy and privacy. FACTA provides consumers with additional tools to rectify inaccuracies on their credit reports.

Consumer Credit Protection Act ( CCPA ), which encompasses a suite of laws designed to ensure fair and accurate credit billing and credit reporting, among other consumer rights. The unauthorized inquiry infringes upon the principles set forth by the CCPA, as it directly affects my creditworthiness and access to credit.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

I have never opened an account with this company. I have emails with the conversation proving that I declined their offer and they refunded all of my funds. However, Experian has listed on my credit report that I am 180 days late for an account that was never agreed upon. I have the complete conversation via email for your review. 

Finally, this account shows the account to remain on my credit report til XX/XX/year>, how is it possible for there to be no data reported and it to be 180 days late? There are major issues with the reporting of this information and the accuracy of the investigation conducted. 

Please remove this incorrect information, the entire account, from my credit report immediately because it does not comply with FCRA 611 ( 15 U.S.C. 16811 ), and the information must be deleted immediately.
Consumer complaint received 2023-06-01
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: Experian Information Solutions Inc. (TX)

Re : Reporting Unauthorized Credit Inquiry To whom this may concern, I am writing to request the removal of unauthorized credit inquiries on my ( XXXX, Experian and/or XXXX ) credit report. My latest credit report shows credit inquiries that I did not authorize from XXXX XXXX XXXX 

I am writing to dispute the following inquiries and ask for their removal from my credit report. I did not apply for credit, loan, or have done any business with XXXX XXXX XXXX 

Please have these unapproved inquiries removed from my credit report within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved. 

Thank you for your assistance. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2018-08-31
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (RI)

I have been advised that each complaint for a company needs to be separate I spoke with cust service at Kohl 's about XXXX late fee waived due to holiday and question my new bill with late fee. I was told something gets added to the bal and because I pay too early I got another late fee. I have many brain injuries and pay according to limited income about XXXX of month. I never heard of such, normally if a late fee is waived after that deducted from what is due, that is what you pay. Person said to do what I needed to do. Their address is : po box XXXX XXXX, with XXXX ( kohls.com XXXX ) I would ask your intervention. Thank you XXXX. XXXX XXXX
Consumer complaint received 2023-05-08
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. (PA)

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 ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-10-05
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. (PA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2017-12-29
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (CA)

I received a mortgage loan modification in 2012 and I believe I was deceived into signing papers to save my home. I was told numerous times over the phone by Nationstar Mortgage that I qualified for a loan modification because I had successfully made all my mortgage payments. Yes, I made all my mortgage payments, so why did they ( Nationstar Mortgage XXXX add an additional {$260000.00} on top of my original mortgage loan with the modification??? I was deceived and lied to and this is a SCAM by Nationstar Mortgage. I made all my mortgage payments and paid all late payments. Then I made additional trial modification payments and I was told on the phone I would not get any additional fees because I made all my payments to qualify for the loan modification. Did Nationstar Mortgage pocket and dissapear all my mortgage payments I made prior to the loan modification??? I just now realized that they ( Nationstar Mortgage ) committed FRAUD with me because they added additional fees to my mortgage loan that I never had before. Please help me to remove the amount of {$260000.00} that Nationstar Mortgage added to my mortgage loan by FRAUD. Nationstar Mortgage lied to me and deceived me into signing papers to do a mortgage loan modification with the Nationstar Mortgage, which now changed it 's name to Mr. Cooper Mortgage.
Consumer complaint received 2024-03-20
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Experian Information Solutions Inc. (CA)

Bringing to your attention a significant discrepancy regarding my account with the U.S. Department of Education.

As per my bankruptcy filing in XXXX, this account has been legally discharged, and it has been closed since XX/XX/XXXX. However, I recently discovered that the account is still being reported as open, and there have been alleged missed payments, which is entirely inaccurate. I have taken the necessary steps to dispute this error with Experian, and despite my efforts, the account has been verified incorrectly, which not only misrepresents my financial situation but also goes against the Fair Credit Reporting Act ( FCRA ). I kindly request your immediate attention to rectify this matter as it is affecting my credit report and financial standing unfairly. I am willing to provide any documentation necessary to support my claim and expedite the resolution process.
Thank you for your prompt attention to this matter. I look forward to a swift and favorable resolution.
Consumer complaint received 2023-05-08
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: BMW Financial Services NA, LLC (NJ)

XXXX XXXX XXXX XXXX XXXX. # XXXX XXXX XXXX, NJ XXXX XXXX There are old items on my report that I demand you remove at once in order to comply with the 15 U.S. Code $ 1681c-2 and 15 U.S Code 1681b. 

XXXX XXXX - XXXX - This doesn't belong to me. - This is paid as agreed and should not be reporting negatively on my report. 

XXXX XXXX  - XXXX - This doesn't belong to me. - This is paid as agreed and should not be reporting negatively on my report. 

BMW FIN - This is paid as agreed and should not be reporting negatively on my report. 


Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ, XXXX - XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX The personal data reporting is inaccurate. 

BMW FIN XXXX XXXXXXXX - The term that is being reported is reporting inaccurately - This was paid as agreed and should not be reporting a charge off on my report at all. 

XXXX - XX/XX/XXXX This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. 

XXXXXXXX BMW XXXX XXXXXXXX - XX/XX/XXXX This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. 

BMW XXXX XXXX - XX/XX/XXXX This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. 

BMW FIN SVC - XX/XX/XXXX This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. 


15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN to report anything on my consumer report which violates my rights as a federal pro consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of these accounts listed IMMEDIATELY.
Consumer complaint received 2023-08-01
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. (FL)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2023-05-13
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. (IL)

In accordance with the fair credit report XXXX  accounts XXXX XXXX  {$820.00}, XXXX, Bankruptcy XX/XX/2016, XXXX XXXXXXXX XXXX  {$720.00} XXXXXXXX XXXX  {$8000.00} has violated my rights 15 U.S.C1681 section 602a stats I have the right to privacy.

15 U.S.C 1681 section 604a section 2It also stats a consumer reporting agency can not furnish a account with out my written instructions.
Consumer complaint received 2018-08-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

Dear XXXX XXXX, per my previous complaints, your response is totaling missing the point. 
I DID NOT REQUEST PAPERLESS - this was initiated by your bank, NOT ME. 
The bank continued to withdrawal money fees out of my checking account without notifying me. 
You may be trying to justify the bank 's process, which is totally false. 
and in error of your bank 's technology. Just because my balance was below your ciriteria, ... Why was I not notified of this,? 
YOU SHOULD HAVE NOTIFIED ME!!!! 
ONCe The bank drained all my money for your bank fees, only then, you promptly sent me a letter telling me there was no more money in the checking, due to the bank 's fees withdrawal, but you made NO EFFORT, NONE, at the time you were taking money out of my account .... 
I resent your feedback. You have totally missed the point of my complaint. 
I have made efforts to contact you, only to leave message. You have not made any effort to return my calls. You should take the time read the 5th-3rd 's Reviews ....
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Alorica Inc. (VA)

Hello, I had a loan with XXXX XXXX XXXX that was sold to a company called SST. I've been using autopay and have made at least three installments to them as I did with XXXX XXXX. I noticed today that my old XXXX XXXX loan was still on my line of credit and this SST loan is not there. There's no reflection on my credit report that I've been making payments and now I'm wondering if this company is even allowed to demand money from me? I would like to pay everything off but I feel like are not reputable and do not want to send my money somewhere wrong.