davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-12
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: Riverwalk Financial Corporation (OK)

My most recent credit report showed a very large debt to a company I have never heard of, and said it was placed in a collections account. I called XXXX XXXX XXXX and they transferred me to XXXX XXXX XXXX. The first person I spoke with coul n't speak proper English. When I asked to speak to his supervisor, he wanted to know why, and continually refused to transfer me until I told him he was incompetent. Then a slightly more educated gentlemen got on the line, but tried to talk over me the entire time. The bottom line is, these are fraudulent charges and the 'companies ' associated with the debt can not find any account listed with them and are absolutely no help in resolving this matter. I've filed a dispute with the credit reporting agency, but these people should not be allowed to continue reporting false information on innocent people 's credit.
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.
Consumer complaint received 2024-10-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Freedom Mortgage Company (IA)

Freedom Mortgage acquired my mortgage in XXXX, XXXX. They increased my monthly payments by a fixed amount that would produce an escrow excess of about {$700.00} a year. A fixed yearly excess would add up year after year. It appeared as though Freedom Mortgage was using the escrow to generate extra income. 
I requested the possibility of maintaining my own personal escrow account. During XXXX, Freedom Mortgage reduced the monthly payment to XXXX, close to the original monthly payment. However, I noticed that they removed the property insurance from escrow. Several weeks later, in correspondence dated XX/XX/XXXX, Freedom Mortgage indicated that they removed the property insurance from the escrow. If I wanted the property tax removed, I need to send funds to cover an escrow shortage. Over the past two months, I have written Freedom Mortgage three times pointing out there was no escrow shortage, once using a payment history screenshot. 
Most recently, Freedom Mortgage has strangely posted on my payment history, payments received on XX/XX/XXXX, payments I never sent that seem to have been credited towards escrow. On XX/XX/XXXX, I received an email from a XXXX # XXXX, Freedom Mortgage Customer Satisfaction Ambassador, asking that I call her regarding an important business matter. I have not called. I am not sure what that business matter would be or what they are up to. The last correspondence I sent Freedom Mortgage on XX/XX/XXXX may  have triggered something.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-10-22
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: EQUIFAX, INC. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2023-08-07
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. (GA)

Consumer reporting agency has committed a form of identity theft. They receive not ANY written instructions/consent from me to report. They consumer reporting agencies have also not provided me with any proof they receive written INSTRUCTIONS from me.
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, XXXX XXXX XXXXXXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX. XXXX - XXXX XXXX. XXXX - XXXX I demand immediate removal of this disputed item from my credit report. 
Furthermore, I expect to receive an updated credit report reflecting this removal within 30 days of the item 's removal. 
Moreover these INQUIRIES were not done by me. I remember doing NO BUSINESS with this FINANCIAL INSTITUTIONS. 
XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX
Consumer complaint received 2024-10-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA (NY)

On XX/XX/XXXX, MOHELA received a payment of over {$12000.00} towards my federal student loan and cashed the check on XX/XX/XXXX. I have reached out to them for nearly three months to update my account balance. Every time I call them they tell me it will take 1-5 business days. However, they have yet to update my account and now tell me that they do not know when they will be able to do so. Currently, my inbox messages to them have gone on answered for over a month now. I sent them a copy of the check that they received and endorsed as proof of payment. At present, I think MOHELA has stolen {$12000.00} from me because they cashed my check and refuse to update my account balance. 
Another concern is that I am a recipient of the competitive US National Institutes of Health Loan Repayment Program which is aimed at recruiting and retaining highly qualified XXXX XXXX XXXX XXXX XXXX careers. In exchange for my commitment to leading impactful XXXX research, the National Institutes of Health agrees to pay part of my loan ( XXXX XXXX XXXX.nih.gov/ ). However, because MOHELA has refused to acknowledge payment or update my account ( varies based on who I speak with in customer service ), I am unable to provide an updated account balance. I was recently notified that If I do not provide a updated account balance I will be removed from the Loan Repayment Program. MOHELAs poor handling of student loans are harmful to those impacted that are part of this program and dedicated their life to advancing the XXXX of the U.S population.
Consumer complaint received 2024-10-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (NY)

On XX/XX/XXXX i made a payment of {$1700.00} to MOHELA, in the form of an electronic bank check, which represented my final payment/payoff. A copy of that check ( front and back ) is attached for your review. Since then, despite endorsing the check, MOHELA has refused to apply it to my account, and they have refused to refund the money to me. I've sent them a copy of the check on two prior occasions, to no avail, and I've made approximately 15 telephone calls to MOHELA 'S customer service department, also to no avail. Even when I've spoken to supervisors, including in the resolution department, I've gotten placed on hold for very excessive lengths of time. I've been told on at least four occasions that a 5-7 business day review of the account would be done, and recently I was told by two supervisors that the account had to be " rebuilt '' as part of the review process, which would then allow the check to be posted and applied to my account. Still, no resolution has been achieved. MOHELA has stolen my money! I'm simply trying to repay, in good faith, money that I borrowed. This is utterly despicable. 
XXXX XXXX
Consumer complaint received 2024-04-25
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. (MA)

XXXX XXXX XXXX Account XXXX XXXX Telephone Number and Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX In accordance with the Fair Credit Reporting act. The list of account bellow has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15U.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 advance 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 2024-04-25
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 XXXX XXXX Account Number:XXXX  has violated my rights under 15 USC 1681 and USC 1666B . 

15 USC1681 Section 602 States I have a right to privacy. 

15USC1681 Section 604 A Section 2 : It also states a consumer reporting agency CAN NOT furnish an account without my written consent. 

15 U.S Code 1681a - Definitions ; rules of construction - Exclusions. - Except as provided in paragraph to the term " consumer report containing information solely as a transactions or experiences between the consumer and the person making the report. 

15 USC 1666B : A creditor may not treat payment on a credit card account under an open-end credit plan as late for purpose.
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.
Consumer complaint received 2022-10-10
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and fix from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX/DEPT OF ED XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Contacted Transunion about an account that I disputed on XX/XX/XXXX. It still says the dispute is under review 35 days later in counting. I have not received any written or electronic response about the account in question. ( XXXX XXXX ) stating that the account has been verified or anything. ( Today is XX/XX/XXXX ). Called the call center on XX/XX/XXXX and an agent said that she would escalate the account because I havent received any info on the account and it still says its processing on my end and it should be off within 72 hours. She also stated that the collection agency responded back to them. But I didnt receive it. Fast forward to today. I called TransUnion to make sure my account was deleted. The first agent said that it was deleted and it would fall off after another dispute closed. Then I was transferred to the supervisor who stated that he couldnt and wouldnt delete it because it was verified via email. Which I never received. Then he switched his statement then said they send it by mail. Of which I never received either. I even went through my email while we were on the phone to see if I missed it. I indeed did not. Due to the laziness, and misinformation. This account needs to be deleted. Even if they do decided to send a letter stating that the account has been verified. It would be way past the 30 day mark. The only escalation number was the escalation number is XXXX. The agent put some inquiries on same XXXX XXXX as well
Consumer complaint received 2024-05-21
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. (UNITED STATES MINOR OUTLYING ISLANDS)

I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.
Consumer complaint received 2024-04-25
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. (TX)

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 Federal Trade Commission Committee 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 Verifiable Proof ( an original Consumer Contract 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 2024-04-25
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)

I have identified inaccuracies in my Transunion Report that do not belong to me, indicating potential fraudulent activity. I have made diligent efforts to rectify this issue by engaging in written communication with TransUnion. Despite my attempts to address the matter through mail communications, Transunion has been unwilling to comply with federal law and correct the inaccuracies. I am attaching proof of my attempts to resolve the issue through documented mail communications. This evidence highlights my commitment to rectifying the inaccuracies on my credit report and demonstrates Transunion 's non-compliance with federal regulations. I kindly request your intervention in this matter to ensure the prompt correction of the inaccurate information on my credit report. Your assistance in resolving this issue is greatly appreciated, as it is adversely affecting my financial standing and integrity. 
Thank you for your attention to this matter, and I look forward to your guidance on the necessary steps to address and rectify this situation.
Consumer complaint received 2023-12-07
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 XXXXXXXX
Consumer complaint received 2024-04-25
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. (PA)

My name is XXXX XXXX XXXX XXXX and this personal statement is being written by me. The Fair Credit Reporting Act ( FCRA ), the accounts listed in this report should not be furnished on my reports. According to FCRA section XXXX, prohibits a person/company from using or obtaining a consumer report unless the consumer uses the report, and it is obtained for a purpose for which the consumer report is authorized to be furnished. FCRA section XXXX states, that a company/person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing the information is inaccurate. Lastly, 15 USC 1681-4 consumer report agencies have to resume having a vital role in assembling a reevaluating consumer credit periods there is a major need to ensure that reporting agencies exercise their grave responsibility with respect for the consumers right to privacy. I demand the removal of these accounts : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I demand the removal of these INQUIRIES : XXXX XXXX, XXXX & XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. I demand the removal of these ADDRESSES : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. I demand the removal of these NAMES : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX.
Consumer complaint received 2024-04-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act, 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. secondly, i have the right to sue if i think consumer bureaus are preventing me from getting certain loans or benefits by reporting false information on my report. 

Incorrect credit reporting, I have an account that is not correctly reported. 
Account Name : XXXX XXXX XXXX Account number : XXXX you have this account as closed with a balance of {$10000.00}. but this account is fully paid-off and balance on it should be {$00.00}