davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-31
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC (SC)

In XXXX I started a forbearance agreement with my mortgage company due to my wife 's hours being cut to almost nothing. Her hours have stabilized so I am trying to end it and get my mortgage current. I have been trying to contact the company for a month, but the phone lines just keep sending me through the automated system and they will not respond to an email. I have followed all their directions and yet no one will answer back to help me resolve my forbearance. Because no one will answer me and my forbearance expires today I requested to extend to the federally mandated 180 days to help protect my credit. They still have not approved that yet. They are not in compliance with the CARES act and are making no attempt to be.
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  accounts are not mine the name XXXX XXXX XXXX XXXX XXXX are not mine addresses other than XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX are not mine never lived there I have sent documents such as XXXX, BIRTH CERTIFICATE AND RENTAL AGREEMENT showing support yet the 3 credit bureaus will not remove info that is false which is giving me bad credit there's also inquiries like XXXX showing up if the acct is there why would I have them run my credit report
Consumer complaint received 2015-10-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (KY)

I paid off an XXXX XXXX account XX/XX/XXXX the original dedt was from XX/XX/XXXX they told me if I paid then they would remove it. I have done several disputes and they continue to change the date of last activity. They are doing this and its wrong. I had a head injury I am on XXXX and I feel they are exploiting me. 

XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX BAT T XXXX XXXX XXXXOpen XXXX : PREVIOUS STATUS XXXX : PAID ACCOUNT. XXXX BALANCEXXXX : ACCOUNT SERIOUSLY PAST DUE DATE/ACCOUNT ASSIGNED TO ATTORNEY, COLLECTION AGENCY, OR CREDIT GRANTOR 'S INTERNAL COLLECTION DEPTXXXX : ACCOUNT INFORMATION DISPUTED BY XXXX : XXXX : ACCT INFO DISPUTED MEETS XXXX : CONSUMER DISPUTES THIS ACCOUNT INFORMATIONXXXX : COLLECTION ACCOUNTIR : XXXX XXXX SHOW A CURRENT RATING OF XXXX ( SETTLED OR IN COLLECTION ) DUE TO THE XXXX PAYMENT PATTERN
Consumer complaint received 2017-05-13
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: TRANSWORLD SYSTEMS INC (IN)

I went to  XXXX  for  school an d at the time of attendance i was told i would have a Temp Credit loan through them, right around graduation i was told i owed {$5500.00} and i would have to start making payments to them after graduation, well a few weeks later i got a letter from a company called  XXXX  stating i owed them payments never signed up with them apparently  XXXX  owns them and sold my loan over, i tried working with them to lower the payment but was told since they are owned by  XXXX  they couldnt lower the payment since  XXXX   wont  agree on it than they sent me to " collections '' as i was told turned out it was a lie never was just a scare technique well i made a complaint and they finally agreed to lower the payment to {$25.00} a month, i thought this was odd since i dont ever remember signing a  MPN  for this place so i asked them to send me a copy and was told they didnt have to since this is a private loan through  XXXX  and i have to pay this no matter what, again thought this odd why do i have to pay a loan i never agreed on, i have not been able to make the payment in  two mon ths so they sent me a bill for almost {$600.00} i dont make that on a paycheck and with no MPN how can they prove this, all i want to do is put this in forbearance and these people wont help me they just want money i dont ever remember signing
Consumer complaint received 2023-01-20
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation (VA)

I bought a car from XXXX 5 years ago and never missed a payment until XXXX closed down my XXXX  They were supposedly working with me after my XXXX  stay of 4 months where I was XXXX and have XXXX XXXX ( XXXX ). They decide to repo my car I was not late on then make me pay a large sum of money to get it back with all my personal belongings. I was at their mercy so I paid this amount. They blocked me from logging into my account or accessing any info. Afterwards I was told that they reported it to the credit bureau as a charge off which means they no longer are trying to get the funds right? Nope because I still have the loan as always making these higher payments with now no interest?!?! It has wrecked my credit and the amount it says I owe is so far from the truth! But do I owe it since its a charge off? They told me I now have to call the day its due and if Im even a minute late they are coming to get it. But wait I thought you werent interested in the loan repayment now? Car is still registered to me I carry insurance on it and make the payments not to mention i had a payment scheduled and talked with them. So what they get to write off the amount they say I still owe which is not correct at all and I still have to pay this amount even thought you charged it off? This company sees an opportunity to pick on sick people who cant afford attorneys, wreck their credit, lie about amounts due then block you from accessing any of your loan details. Not to mention Ive had this loan for 5 years and it was never on my credit report until now. So all the years of on time even early payments was never reported. I spoke with an attorney and a Judge and gave them all supporting evidence that this is not legal and they agreed. But I can not afford an Attorney not to mention every single day of my life is a fight for survival with a medical condition I didnt deserve. Everywhere I turn I cant seem to get help.
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

I have a student loan through the servicer XXXX, opened in XXXX, which I paid off and closed XXXX XXXX, XXXX. My monthly statements began in XXXX XXXX. I paid above the minimum payment every month until account closure. My credit, however, does not show the correct information for either XXXX or Equifax. 

With Equifax, this loan is not shown at all. I have had incredible difficulty submitting a dispute or contacting Equifax, and so have not had any contact with the company at all. I attempted to call Equifax at the number listed online ( XXXX ) on XX/XX/XXXXXXXX  -- whoever answered asked me very personal questions, including my full home address and full SSN. He also texted me a verification code and asked that I give him the number. I stated that that behavior was strange, and I was nervous about being scammed. He said, " I need this information to verify your identity ''. This seemed very odd, so I hung up and have not tried again since then. 

With XXXX, I have submitted two disputes. At first, the loan showed at full balance, no payments, as of XX/XX/XXXX. I submitted the first dispute on that date, providing screenshots of payments and {$0.00} balance. The results of that dispute, ready XX/XX/XXXX, still led to inaccurate reporting -- the loan showed as closed, with payments of {$0.00} made from XXXX. I submitted the second dispute on XX/XX/XXXX to argue against these changes. The results from the second dispute, sent on XX/XX/XXXX, stated that the published information was correct and would not be changed. 

I called XXXX on XX/XX/XXXX to state that my payments were not being accurately reported to the bureaus. The representative stated, " There is no credit reporting on this account. You should reach out to the credit bureaus, '' and that there was nothing to be done on XXXX 's side.
Consumer complaint received 2024-04-22
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. (CO)

Subject : Urgent Request for Investigation and Deletion of Incorrect Charge-Off XXXX XXXX ACCOUNT ENDING XXXX I am contacting you to formally challenge and seek immediate investigation and removal of incorrect charge-off entries made by a third-party collection agency on my credit report. These entries have severely impacted my financial standing, hindering my ability to secure a home mortgage, an auto loan, and additional credit facilities. 
I wish to highlight that I have no contractual ties with this collection agency. Their actions of reporting my credit information without any contractual basis are unjustified and breach multiple legal norms concerning credit reporting and consumer privacy : 1. **Unauthorized Reporting** : The reported charge-offs, which suggest debts I do not recognize, have been documented on my credit report without my agreement, violating established principles of lawful credit reporting, also referred to as certificates of indebtedness.

2. **Absence of Form 1099-C** : I was not provided with Form 1099-C for debt cancellation by the agency, which is essential for accurate tax reporting and compliance with IRS requirements. This omission could lead to potential risks of tax non-compliance.

3. **Infringement of Privacy Rights** : This action violates the Privacy Act of 1974 ( 5 U.S. Code 552a ), which ensures stringent safeguards against the unauthorized release of personal information.

4. **Lack of Contractual Agreement** : There is no formal contract between myself and the agency, thus their reporting of my credit information directly infringes on my consumer rights.

5. **Exercising Opt-Out Rights** : In accordance with regulations under 12 CFR 1016.1, 12 CFR 1016.4, 12 CFR 1016.7, 15 USC 6802 ( b ), and 15 USC 6805, I am formally revoking any implied permissions for the dissemination or reporting of my credit information.

Given these concerns, I urgently request a review and elimination of these incorrect records from my credit report, and I ask for a written confirmation of this deletion. Please note that I am prepared to take further actions, including legal recourse, to rectify my credit report and protect my rights. 
Thank you for your immediate attention to this matter, and I look forward to your prompt response and resolution.
Consumer complaint received 2023-10-30
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. (NY)

In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality. 
Agency : XXXX, Equifax and XXXX Account Name : XXXX XXXX XXXX Account number : XXXX This account has violated my rights under these federal laws : * 15 usc 1681 section 602A states I have a right to privacy.

* 15 usc 1681 section 604a section 2 states a consumer reporting agency can not furnish an account without my written consent and instructions to that consent.

* 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, these companies have broken this law without my consent.

* In addition, under congress law 15 U.S. Code 6802A, 15 U.S. Code 6802B, & 15 U.S. Code 6802 B ( opt out ) part 1a, b & c, it details my rights as a consumer in which I was not granted these rights.

* Late payments are illegal according to 15 usc 1681a ( 2 ) ( a ) ( i ) Because of that, I want these accounts immediately deleted off my credit report with all consumer reporting agencies.

Attached are copies of their violation of my rights : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX XXXX
Consumer complaint received 2023-10-30
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. (NY)

In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality. 
Agency : XXXX, XXXX and TransUnion Account Name : XXXX XXXX XXXX Account number : XXXX This account has violated my rights under these federal laws : * 15 usc 1681 section 602A states I have a right to privacy.

* 15 usc 1681 section 604a section 2 states a consumer reporting agency can not furnish an account without my written consent and instructions to that consent.

* 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, these companies have broken this law without my consent.

* In addition, under congress law 15 U.S. Code 6802A, 15 U.S. Code 6802B, & 15 U.S. Code 6802 B ( opt out ) part 1a, b & c, it details my rights as a consumer in which I was not granted these rights.

* Late payments are illegal according to 15 usc 1681a ( 2 ) ( a ) ( i ) Because of that, I want these accounts immediately deleted off my credit report with all consumer reporting agencies. 

Attached are copies of their violation of my rights : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX XXXX
Consumer complaint received 2023-09-24
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. (IL)

On XX/XX/2023 I noticed a collections record on my Transunion credit report and immediately took action to notify Transunion of the incorrect information. However, the online reporting system that I was guided to use does not work. Please remove following record from my Transunion credit report : Creditor name XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX, XXXX XXXX XXXX  I, Amount : {$520.00}. In addition to this request, I have reached out to the creditor to validate the debt but they have failed to do so and I have not heard anything back from them.
Consumer complaint received 2023-09-20
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. (MI)

n accordance with the Fair Credit Reporting act XXXX Account # 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 2024-04-19
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)

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. USCB 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 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 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 then records of convictions of crimes which antedates the report by more then 7 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. These are Fraudulent accounts and need to be removed from my Credit Report.
Consumer complaint received 2023-09-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

On Saturday XX/XX/XXXX we deposited a {$2000.00} Bank of America pay check to our Bank of America checking account that was opened in XXXX and has always been in good standing. The check was issued to us and deposited because there was an employer error and the normal ACH wasn't sent. At the time we deposited the check we were told it would be available on Monday XX/XX/XXXX and so we completed the deposit. When we looked later, Bank of America has now decided to hold the on-us check until Friday XX/XX/XXXX. They will not cancel the deposit so we can go back to the employer and request that an ACH be sent instead. We have approximately 2.5 times the amount of the check already on deposit with Bank of America. This check is drawn off the same financial institution that it was deposited to. Our accounts have always been in good standing. The only returned item we have ever had on the account was due to an error by Bank of America in applying our overdraft protection from oursavings account which no one there was ever able to provide an explanation for. We called a couple of times and were given broad and general lists of why checks may be placed on hold, but no one was able to tell us specifically why this check was held and they refused with generic scripts to cancel the extended hold or to cancel the deposit entirely. This is an on-us check and Bank of America can tell right now if this check is good but they're refusing to do anything about it or give us any information. It is my understanding that Reg CC specifically disallows multi day holds being placed on on-us checks and requires that specific reasons be given for extended holds and that the extended holds must be " reasonable ''. None of those are being followed in this situation.
Consumer complaint received 2023-09-24
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. (NY)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2023-09-24
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP (KS)

XXXX XXXX XXXX  is sending electronic transfer of funds to US Bank and the bank is holding my funds for 48 hours, I know it doesnt take very long at all to send an XXXX This account that the money is coming from is my XXXX XXXX account that is absolutely solvent, the transfer is sent on a Tuesday morning at XXXX XXXX it should be in my bank account the same day
Consumer complaint received 2023-04-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.
Consumer complaint received 2023-08-14
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ALLY FINANCIAL INC. (NC)

I paid XXXX XXXX XXXX On XX/XX/XXXX I paid XXXX for my account with Ally XXXX confirmation number So Ally reported to XXXX I made a partial payment that took my credit score down XXXX points this is in correct Will you help me to finally complete this item off my credit.
Consumer complaint received 2024-04-22
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. (NY)

I regret to inform you that I can not accept your decision to dismiss my identity theft claim as an error or misrepresentation of material fact. It is concerning that you have taken it upon yourself to determine what qualifies as a material fact, especially considering that you do not hold the authority of a judge. 

According to the guidelines outlined by the FTC, when an FTC identity theft report is filed with a law enforcement agency, it is imperative to comply with the law. 

XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. 
I am willing to give you one final opportunity to process my request regarding my identity theft. Failure to do so will leave me with no choice but to seek legal recourse in the courtroom, where you will be held responsible for the damage inflicted upon my reputation, credit, and emotional well-being as a result of this issue. It is highly likely that the significance of the material facts will become abundantly clear, and you will be required to compensate me for your negligence.
Consumer complaint received 2024-04-22
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: EQUIFAX, INC. (TX)

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
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 2023-04-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.
Consumer complaint received 2023-10-30
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Sequium Asset Solutions, LLC (IL)

This company calls every day from Monday through Saturday. They will not give me any information just saying theyre a debt collection company. I do not have any debt as I have all my credit through XXXX XXXX to keep track of all payments. They will say because Im being unhelpful that they will end the call then hang up.
Consumer complaint received 2023-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

Experian reporting inaccurate Balnace XXXXXXXX XXXX  placing recent high credit XXXXXXXX XXXX usage remarks on my report. Please see attached XXXXXXXX XXXX statement document below. Experian did not investigate nor contact XXXXXXXX XXXX for the correct balance for XX/XX/2023. Instead untilize the XXXXXXXX XXXX resulting in reporting the same exact balance for XX/XX/2023 balance. Therefore, requesting Experian CONTACT XXXX XXXX to investigate and mail a response of all payments and balance of Stament date of XX/XX/2023. This month is almost over and Experian refused to contact XXXXXXXX XXXX to report accurate balance information