davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (VA)

I have been making payments through the entire deferment stage. On XX/XX/2017 I called American Education Sercive ( AES ) to share that I made a payment on a deferred loan on XX/XX/XXXX. My deferment ends in XX/XX/XXXX. I asked, " How was the payment used, that I have a loan payment due and an interest rate payment due in XX/XX/XXXX. " ( See attachments ) XXXX employee number XXXX shared that the payment was not used to pay the interest rate that is due but placed on the unsubsidized accounts. I asked if there was an online format to pay the interest to prevent the addition to the principle and was told no. When asked if there was a way to have the payment applied I was told to send a letter. I asked if I should send a payment with the letter and it was repeated to send just a letter. The pleasant tone diminished when asked why a format does not exist online to pay the interest to prevent having an additional amount accrued to the principle and should I not send a payment with the letter? I was then told, yes send the document that says that " this is not a bill '' and to add a letter to ask that the amount sent in the mail should be applied to the interest. This mode of payment is not transparent when looking through the website. I was then asked if there was anything further that I needed and when responding no, the conversation ended. The site has a makeover, but no format to prevent the interest from being added to the principal when the loan comes out of deferment. I am working to pay off the loan and have the only option of the snail mail version without feedback. I do not see where I would receive notification that this payment was made unless I check my checking account for the canceled check and to double check the accounts to make sure that the balance does not have an increase. There should be a more effective way for this portion of payment when returning from a deferment.
Consumer complaint received 2023-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX {$350.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$950.00} XX/XX/XXXX XXXX OF XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX {$1500.00} XX/XX/XXXX XXXX XXXX L XXXX {$4800.00} XX/XX/XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( XXXX ) 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-10-08
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: ENCORE CAPITAL GROUP INC. (NY)

This is not my debt, I've never opened a credit card with this company. It appears on my credit report I've disputed it several times and it has not been removed. I did not enter into a contract with this business. My credit report states the account was open in XX/XX/2017. It says I owe {$780.00}, I've disputed this account numerous times with transunion it has not been removed. The company that brought the debt and have falsely attached this debt to my credit report is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX.
Consumer complaint received 2023-01-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ARVEST BANK GROUP, INC. (NV)

I filed a complaint about them holding my principal payments in a suspense account instead of applying them to the principal on my loan. You contacted them and they moved the funds yesterday and today they have moved them back. I have contacted the company and they don't know what is going on. I don't want to have to wait another 4 months to have them attempt to remedy the problem.
Consumer complaint received 2023-06-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The following inquiries were not authorized by me. These fraudulent inquiries need to be removed as soon as possible. As a victim of my information being compromised in the XXXX breach, Transunion breach, XXXX breach, and the black market, I need these to be removed. ''
Consumer complaint received 2017-12-30
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO. (NH)

My name is XXXX XXXX and I am the resident and owner at XXXX XXXX XXXX, XXXX NH XXXX. I entered into a closed-end motor vehicle lease agreement with XXXX XXXX being located at XXXX XXXX XXXX in XXXX NH XXXX on XXXX XXXX XXXX. The deal number for the agreement being XXXX. The contract was amended by XXXX XXXX on para XXXX ( k ) such an amendment was not ratified by me. A representative of the XXXX XXXX ratified /amended the contract unilaterally without my knowledge and approval.
Consumer complaint received 2023-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX Balance : {$2600.00} XXXX XXXX Balance : {$1300.00} XXXX  XXXX XXXX : {$1300.00} XXXX XXXX  XXXX XXXX : {$3500.00}
Consumer complaint received 2017-07-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (CT)

Santander gave XXXX XXXX a fraudulent loan. Car purchase price was {$13000.00} and I put {$2500.00} down. However Santander charged me for a loan at XXXX. I could not afford a loan that high at 21 %
Consumer complaint received 2023-07-14
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: EQUIFAX, INC. (SC)

I sent a letter last XX/XX/XXXX to remove the listed items below that are UNKNOWN to me. I came across this law today to block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

The following debt collection agency Portfolio Recovery Associates , LLC has sent out a notice regards to payment of over {$11000.00} from XXXX CREDIT CARD on partial account # XXXX I have no knowledge of this debt it is not mine the address on file is not affiliated with me in any way
Consumer complaint received 2023-06-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 


1. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX 2. The following personal information is incorrect Account Number : EMPLOYER : XXXX 3. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX 4. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXXXXXX XXXX XXXX XXXX, LA XXXX 5. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report. 


XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, LA XXXX
Consumer complaint received 2024-03-26
Product: Credit card — General-purpose credit card or charge card
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. (IL)

Timely payments on this account have always been a priority for me, ensuring they are never past due. I'm unsure why there are mentions of late payment remarks on my accounts. Referencing 15 USC 1666b - Billing Error, corrections are warranted.
Consumer complaint received 2023-06-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (MA)

I lost my job in XX/XX/XXXX, and thought I would be proactive in letting my mortgage company know and was immediately assigned a home preservation specialist, and I was told to stop making payments. About seven XXXX 's later, fighting with the mortgage company to resolve my issues of applying payments to wrong account & wrongful foreclosure threat, my modification was finally done on XX/XX/XXXX. My house was " under water '' by that time, payments were unaffordable and the mortgage company ruined my life with their bullying and unethical business practices.
Consumer complaint received 2023-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (AZ)

15 U.S.C 1681s-2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATED TO A CONSUMER TO ANY CONSUMER REPORTING AGENCY IF THE PERSON KNOWS ARE OR HAS RESONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INCORRECT ACCOUNT XXXX XXXX XX/XX/XXXX ACCOUNT XXXX DATE OPEN XX/XX/XXXX ACCOUNT XXXX XXXX XX/XX/XXXX ACCOUNT XXXX OPENED XX/XX/XXXX ACCOUNT XXXX OPENED XX/XX/XXXX ACCOUNT XXXX OPENED XX/XX/XXXX ACCOUNT XXXX OPENED XX/XX/XXXX ACCOUNT XXXX OPENED XX/XX/XXXX ACCOUNT XXXX XX/XX/XXXX ACCOUNT XXXX OPENED XX/XX/XXXX ACCOUNT XXXX OPENED XX/XX/XXXX ACCOUNT XXXX OPENED XX/XX/XXXX
Consumer complaint received 2017-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TN)

I submitted a claim with CFPB in  XXXX , complaint number is #  XXXX . I have not heard anything back, since speaking with a representative there and they informed me that they would submit my complaint to  XXXX   XXXX  for " incorrect name '' on personal information. My name is  XXXX   XXXX   XXXX . My maiden name is  XXXX   XXXX . I have no middle initial. My email address is  XXXX  XXXX  XXXX .     Thank you,  XXXX   XXXX   XXXX
Consumer complaint received 2023-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX  - account # XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

Delete this account in its entirety. Thank you, XXXXXXXX XXXX XXXX  - account # XXXX
Consumer complaint received 2023-06-07
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. (NY)

All 3 credit bureaus are reporting COLLECTIONS from the following unknown companies ; XXXX, and XXXX. All 3 bureaus are reporting these accounts without verification from these outsourced businesses plus they show inconsistent information to each other enforcing my belief that these accounts are not mine nor have I ever created an account with any of them, so these accounts are fraudulent. Many attempts were made for validation. No response was sent to me.
Consumer complaint received 2024-03-27
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. (DE)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-02-02
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Siggi LLC (WA)

I have been a customer of Omni Financial for years and never missed a payment until XX/XX/XXXX. I wasnt even aware it happened at first but I had an XXXX  set up through XXXX XXXX and XXXX XXXX as I am an XXXX XXXX XXXX XXXX Member of 20 years. It was brought to my attention for some unknown reason my XXXX  was either stopped or wasnt paid out on XX/XX/XXXX so I immediately resubmitted my XXXX  to be in effect right away and it was successful. My XXXX  XXXX did show in XXXX XXXX that the XXXX  was re-established and payments was active again. We just had XXXX deaths in our family, my mother died XXXX XXXXXXXX and father-in-law XXXX XXXXXXXX XXXX XXXX XXXX XXXX  and it caused great hardship on our family. I have had an excellent record in my payment history with Omni and recently was notified I was entitled to check payment due to lawsuit with Omni. I called Omni and asked if it was possible for them to please be forgiving and remove the late payments from my credit and I doubled my monthly payment to {$750.00} to make up for the payment missed by error. They confirmed they received it and we was current now but refused to help assist with the removal of late payments. I am XXXX  in XXXX and will be leaving the XXXX and I need to buy a home for us and this is really impacting the loan and even if I have to lease until the late payments are removed it also may impact someone from leasing to us. We will have nowhere else to go. We always lived on XXXX XXXX and dont have rental references. Im praying you can assist us and they will be forgiving and remove those late payment flags on our credit bureaus. I have been a good customer over the years and it was heartbreaking that wouldnt even think of helping us. I have all statements from my pay showing its been paid before XX/XX/XXXX on time and ever since XXXX after that one payment default has been on time. Thanks for listening and hope you can assist. The monthly payment allotment is {$320.00} per month and I paid {$750.00} in XXXX and after so knew they received the current and last due amount I then entered the correct payment of {$320.00} to start again in XX/XX/XXXX.
Consumer complaint received 2023-06-07
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. (LA)

I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem,
Consumer complaint received 2023-06-01
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. (TX)

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-01
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: TRANSUNION INTERMEDIATE HOLDINGS, 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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX : {$270.00}, XXXX XXXX XXXX XXXX : {$9600.00}
Consumer complaint received 2023-02-15
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: Experian Information Solutions Inc. (IL)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b.

See the documents attached.
Consumer complaint received 2021-06-30
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. (TX)

My payment history on my mortgage is incorrect. My payments started XX/XX/2021, not XX/XX/2021. It needs to be corrected and reflective as 4 payments have been made to the account.
Consumer complaint received 2022-11-04
Product: Debt collection — Medical debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Professional Recovery Management (FL)

I have been requesting this company provide me with validation of this alleged debt for clarification but I have not yet gotten any information as yet. I want to know what information the company possesses for I am worried that my personal information has gone into the hands of the wrong person and been used for their own interest. Therefore I want to request the following information and determine my next actions.