davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written inructions 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 2017-12-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Action Financial Services, LLC (TX)

I am currently on a plan to get my student loans out of default. Originally I was told {$37.00} a month which I can afford. Now, Im being told I have to pay {$220.00} a month because I make a lot of money. I explained to the man, Im the only means of income coming into this house and I have a XXXX year old son and a baby on the way! I explained that I CAN NOT afford this and he said I need to at least pay this once before we can try to lower it. Action financial service is the name of the company. I read I have the option to pay less without being penalized but he said otherwise. Please help!
Consumer complaint received 2023-09-21
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. (NV)

Accordingly, as per the fcra you were required to conduct a reasonable investigation and delete the disputed information as requested XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX before the end of the 30 day period of the day.You received my dispute letter on XXXX XXXX thetefore are response was due XXXX XXXX. instead of sending me a response letter within a result of a instigation of the disputed information you mail me a letter daily claimant whatever verbiage Verified. 
clearly you have willfully fell to delete the disputed information requested.In lieu fully fail to conduct a reason above this concerns me as i do not understand how you arrived at this conclusion since the information is indeed incorrect. 
this is a request under FCRA 611 ( a ) ( 7 ) for a description of the procedure used by your agency in providing all information to the creditors associated with my earlier dispute under fcra 611 ( a ) filled with on ( XXXX XXXX ) to be more specific, based on fcra 611 ( a ) ( 2 ) ( b ) you were required to forward all of the relevant information i provided by you to the creditor for their investigation of my dispute .please provide me with all the information you used for your investigation of my dispute. please provide me with all the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ). 
please reply withn 15 days or delete the negative items, as originally requested. below are the items that do not belong to me that you continue to report erroneously. 
cellphone, Account # please note that i am taking this matter very seriously and demand that you follow the law, in it entirely, and send me detailed information of how you arrived at your conclusion, or else remove these items.
Consumer complaint received 2023-11-22
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: LoanCare, LLC (CA)

XXXX mortgage payment due to XXXX XXXX XXXXXXXX XXXX mortgage payment due to XXXX XXXX  XXXX XXXX mortgage payment due to short term XXXX XXXX - applied for mortgage assistance for the 3 months behind XXXX - XXXX resolved -expressed I am able to resume regular payments on XXXX XXXX XXXX delivered letter dated XX/XX/XXXX from Loancare. Loancare letter said it wants to modify my entire loan and add a partial claim. 
XXXX-I am not in agreement with a loan modification and paritial claim since the XXXX was short - term. Its as if Loancare intentionally ignored my request. 

Their letter was dated XX/XX/XXXX and requires me to sign the loan mod docs within 15 days or call them for another option - otherwise foreclosure proceedings. 

I called 37 times - phone numbers : XXXX ; XXXX but all are out of service as well as the email addresses for loan care due to Loancare had a security breach. 

All I want is to speak to Loancare and request a repayment plan or deferral of the XXXX term XXXX months Im behind. Instead they are trying to force me into extending my loan to 40 years, doubling my current interest rate, and creating a partial claim charged at 8 %. 

Please Loancare, call me so we can discuss a repayment plan or a deferral but I do not want a loan modification as XXXX has resolved we can resume normal payments on XX/XX/XXXX ; however, your website wont even allow me to make a payment. 

I specifally requested a loan deferral or repayment plan with my application. Im not sure why you are trying to force me into a loan modification.
Consumer complaint received 2023-11-22
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)

In accordance with the Fair Credit Reporting act 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 a account without my written instructions.

Please see above LAW, this isn't a request to verify this is the law that clearly states that I have the right not to have companies report to my credit without a WRITTEN REQUEST FROM ME, which at no time have I ever given WRITTEN PERMISSION.
Consumer complaint received 2023-11-06
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. (CA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the XXXX XXXX XXXX XXXX on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-12-22
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: EQUIFAX, INC. (MO)

I am writing to express my frustration and dissatisfaction with the persistent challenges I have encountered in attempting to remove a charge-off account from my credit report. Despite multiple concerted efforts, the charge-off entry continues to negatively impact my credit standing, hindering my financial opportunities and causing significant distress. 

I initially became aware of the charge-off account. Since then, I have diligently followed the established dispute resolution procedures in an attempt to rectify this matter. 

This prolonged and unresolved situation not only violates my rights under the Fair Credit Reporting Act ( FCRA ) but also has severe consequences on my creditworthiness. I am hereby formally requesting a thorough and immediate investigation into the charge-off account in question. 

A comprehensive review of the charge-off account on my credit report. 
Prompt removal of the inaccurate charge-off information to restore the accuracy of my credit file. 
Verification of the corrective actions taken and an updated credit report reflecting the accurate and corrected information. 
I understand my rights under the FCRA and the importance of addressing and rectifying inaccuracies promptly. Failure to resolve this matter in a timely manner may compel me to explore legal remedies to protect my rights. 

Enclosed with this letter, you will find copies of supporting documents. 

I kindly request your immediate attention to this matter and request written confirmation once the charge-off account has been successfully removed from my credit report. I am asking for your assistance to remove this charge off in my credit file : XXXX XXXX XXXX XXXX Balance : {$3800.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately.
Consumer complaint received 2023-09-12
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 am writing this letter to express my extreme frustration and disappointment with the slow response to my identity theft dispute that I initially submitted to your bureau. I understand the importance of your role in safeguarding the accuracy of credit reports, but the lack of timely action on my case has caused me considerable stress and concern. On XX/XX/2023, I first contacted your bureau to report suspected identity theft and requested an investigation into the unauthorized accounts and transactions appearing on my credit report. I provided all the necessary documentation, including the FTC report, to support my claim and establish my innocence in this matter. I had hoped that your bureau would act swiftly to rectify this situation, as I am currently facing severe financial and emotional consequences due to this fraudulent activity. To my dismay, it has been XXXX ( XXXX ) months since I initially filed my dispute, and I have yet to receive any resolution or updates regarding the progress of the investigation. During this time, I have had to endure numerous challenges, including denials of credit applications, increased interest rates, and damage to my credit score, all of which are directly linked to the false information on my credit report. This delay has had a significant impact on my financial well-being and overall quality of life. 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 XXXXPlease delete these accounts ASAP.
Consumer complaint received 2023-11-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: ZIONS BANCORPORATION (UT)

I've gotten a Total of {$230.00} In late fee 's from a bank error. I fully expect to get a 100 % refund of these fees. its absolute XXXX  XXXX that a bank thinks that this is fair practice. I'm sorry its not OK with me at all. the bank can not start a chain reaction of fee 's that makes it impossible for someone to get ahead its impossible. {$230.00} worth of Fee 's in less than 10 days when the funds in the account were enough to cover the original charges... .I 've already submitted one complaint I'll keep going until this gets resolved!
Consumer complaint received 2023-01-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (NY)

Someone posing as XXXX XXXX requested unpaid account balance of {$160.00} via Zelle to a XXXX XXXX and then a further {$570.00} to the same account to reverse the transaction for a total of {$540.00} through my XXXX Zelle account on XX/XX/XXXX. Reported days later to XXXX when XXXX XXXX denied that any payment had been made. 
XXXX refused to remedy or reimburse. XXXX client since XXXX. 
Payments were : XX/XX/XXXX Zelle Debit Pay ID : XXXX {$160.00} XXXX XXXX XX/XX/XXXX Zelle Debit Pay ID : XXXX {$570.00} XXXX XXXX
Consumer complaint received 2023-06-22
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Asset Recovery Group, Inc. (CA)

XXXX called me several times asking me to pay a debt from 5 years ago when I told her no Im not paying she said I hope u dont have kids because youre a bum, and then proceeded to call me back and said let me rephrase that your a XXXX XXXX XXXXXXXX!!!
Consumer complaint received 2018-05-22
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NE)

I am writing to file a complaint against Experian XXXX. 
What kind of investigations they did because my last letter of disputed that I sent to Experian, they were received on XX/XX/XXXX at XXXX and I received a Disputed Results with Report # : XXXX dated XX/XX/XXXX? only they take four days to re-investigate my dispute letter, for my knowledge Experian works from Monday to Friday you do not work on weekends. 
The same way Experian defamation of character, because in the statement and fraud alerts they are publishing in my profile without my authorization, I never request any fraud alerts and I never request to put any statement on my credit profile. All this looks suspicious is the reason that I am writing to you ; how could I believe if they are doing the same with those accounts that they are posting that are repeat in my credit profile. What are they doing is a violation of my rights? 
Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Violation of Statute of Limitations by State on that debt Violation of the Fair Credit Billing Act Defamation of Character. 
I'm asking you to stop defamation on in my credit profile because this message that appears in my credit profile of any circumstance I never have asked to put any fraud alert or any statement even that phone number in the statement I do not recognize it, this is what you are posting in my credit profile. 
Bureau Message : XXXX &XX/XX/XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XX/XX/XXXX.
Consumer complaint received 2017-12-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capitol One double charge me interest. I paid my account balance in full, and in their own words they used the interest from the last two months to charge me new interest. I have the screen shots of the conversation to back this up. This violates the CARD Act.
Consumer complaint received 2023-09-21
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. (VA)

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 XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-05-05
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. (MD)

Pursuant to 15 USC 1681a ( 2 ) ( b ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( I ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should all be removed from my consumer report pursuant to 15 USC 1681a ( 2 ) ( b ). I am demanding that you remove the following transactions from my consumer report immediately as they are a serious violation of my rights as a federally protected consumer under title 15 chapter 41.
Consumer complaint received 2023-11-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc. (VA)

I opened an account with SquareUp and after my first transaction they closed my account and cant tell me the exact reason why. I have a small business and those funds are needed. The payment was sent on XXXX and my account was closed 2 days afterwards. The money was set to be deposited but never has been.
Consumer complaint received 2023-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Experian Information Solutions Inc. (GA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX SSN : SS # : XXXX DOB : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the negative items on my credit report associated with my account with your company. The late payment and charge off reports have significantly impacted my credit score, and I believe that the information is not accurate. 

XXXX XXXX Late Payment Account XXXX XXXX XXXX XXXXXXXX Late Payment Account TBOM/MILESTONE XXXX Late Payment Account XXXX XXXXXXXX Collection Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXXXXXX XXXX XXXXXXXX Charge Off Account XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Off Account XXXX XXXX XXXX Charge off Account XXXX XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX I XXXX Collection Account. 

I would like to request that you provide me with proof that the reported information is accurate, complete, and up-to-date, as required by law. I also request that you investigate this matter and correct any inaccuracies on my credit report. 

As per the Fair Credit Reporting Act, I have the right to dispute any information on my credit report that I believe is inaccurate or incomplete. I am also entitled to receive a free copy of my credit report once a year from each of the three credit bureaus, which I have already done.

I am requesting that you remove the negative items from my credit report, as they are harming my credit score and making it difficult for me to obtain credit in the future. Please be aware that failure to comply with this request may result in legal action. 



Thank you for your attention to this matter. I look forward to hearing from you soon. 



Sincerely, XXXX XXXX
Consumer complaint received 2023-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I have requested validation of this debt with National credit adjusters and they have not sent it over 90+ days ago. This debt continues to get sold by different collection agencies and re-recorded. I do not believe this debt to be mine and if validation is not furnished would like this to be investigated by the credit bureaus and Federal trade commission.
Consumer complaint received 2023-12-22
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: EQUIFAX, INC. (TX)

This is one of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-04
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 called the credit reporting agency and let them know the inquiries in the document included below are not supposed to be visible on my consumer report. The agent stated that there was a code on their end that says it is correct so he could not remove them. I never gave them written consent to report such 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 an account without my written instructions.