davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-20
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: EQUIFAX, INC. (KY)

In accordance with the Fair Credit Reporting Act ( XXXX XXXX XXXX account number XXXX {$1100.00} ) ( XXXX XXXX  XXXX account number XXXX {$1600.00} ) ( XXXX XXXX  XXXX {$1000.00} ) ( Online In XXXX  XXXX {$1700.00} ) has violated my consumer rights. 

805. Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt -- 15 U.S.C. 1681 Section 604a Section 2 states that a consumer reporting agency can not furnish an account without my prior consent.
Consumer complaint received 2022-11-14
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Mcburberod Financial, Inc. d/b/a SeedFi (NJ)

IN XXXX, PRIOR TO MY NEXT PAYMENT WHICH WAS DUE ON THE XXXX OF THE MONTH AND THE LAST DAY OF THE MONTH EACH MONTH, I WAS GIVEN THE OPTION TO PAY {$50.00} INSTEAD OF {$100.00} BECAUSE I WAS AHEAD OF MY PAYMENTS. AFTER I AGREE TO THE {$50.00} PAYMENT I WAS THEN CHARGED {$150.00}. WHEN I CALLED TO QUESTION WHY I WAS CHARGED MORE THAN I SHOULD HAVE I WAS TOLD I MADE DOUBLE PAYMENTS. HOWEVER WHEN I SIGNED IN AND I WAS GIVEN THE OFFER I WAS NEVER TOLD I WAS GON NA BE PAYING MORE WHEN THE OFFER WAS TO PAY LESS SINCE I WAS PAID AHEAD. For over 2 1/2 months I have been given the runaround and now I am being told that I'm getting a loan modification because of past due payment and which I'm accruing more interest due to their ERRORS.
Consumer complaint received 2023-03-04
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. (CA)

REF : XXXX XXXX XXXX XXXX XXXX  I CORRESPONDED WITH THIS COMPANY ON XX/XX/23 THEY HAVE NOT VALIDATED OR VERIFIED THIS ACCOUNT OR GIVEN ME ANY REASON TO BELIEVE THEY HAVE THE RIGHT TO BE REPORTING MY INFORMATION I DON'T HAVE A CONTRACT WITH THIS COMPANY OR THE ORIGINAL CREDITOR. 
THEY HAVE NOT SENT ME ANYTHING I MADE A COMPLAINT ALMOST 30 DAYS AGO WHICH THEY HAVE NOT RESPONDED TO EITHER PLEASE DELETE THIS ACCOUNT IMMEDIATELY FOR NOT VERIFYING OR VALIDATING THIS ACCOUNT OR RESPONDING WITHIN THE 30-DAY INVESTIGATION PERIOD BY LAW THEY HAVE TO DELETE THIS ACCOUNT FROM ALL 3 BUREAUS WHO ARE THESE PEOPLE I'VE ALSO RESEARCHED SOME CONSUMER LAW AND THE GRAMM LEACH BLILEY ACT ON THE FC WEBSITE THEY ARE IN VIOLATION OF AT LEAST 10 CONSUMER LAWS AND SUBJECT TO PAY XXXX IN FEES TO ME THE CONSUMER. 

I'VE ATTACHED THE COPY OF THE INITIAL DISPUTE SENT ALONG WITH THE TRACKING NUMBER THAT THEY RECEIVED IT OVER 30 PLUS DAYS AGO
Consumer complaint received 2023-06-16
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (CA)

PennyMac Loan Services , LLC, since the start of the Pandemic, has totally removed and or now removing online access or web-based access from service members or civilians to make monthly payments to their mortgages, demanding that member have to call in and make payments over the phone.This removal of access or retaliation began when the Covid-19 Mortgage Relief programs and if you were approved for any state assistance, PennyMac is restricting your access or ability to make monthly payments to mortgage accounts. I am utterly disgusted and frustrated at these mortgage servicing companies arbitrarily dictating how when and where a homeowner should make his/her payment. After trying for XXXX days to make my payment I finally called them today XXXX XX/XX/2023. Initially I thought I had something wrong with my electronics, the recordings stated they were experiencing high volume calls, long wait due to system upgrade/updates. Upon conclusion of that call I told I realized that this was the reason. As a XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) I travel a lot for XXXX and don't a cellphone access as times to be calling and the waiting times are from XXXX minutes or more. I applied for a little assistance to the said mortgage relief program. I was informed by the representative that I was approved and that is why I am restricted to continue to making my monthly payments online ( I have no late or missed payments ). She initially stated that the program required this restriction. I further refuted that blame as read the requirements of the program to her and it mention nothing of the sort. She went on defending the restriction stating that If I want have this ability restored, I needed to cancel my enrollment and approval for support into the State Mortgage Relief Assistance program. This is straight retaliation towards folks who apply to programs to keep their homes. This is crippling the flexibility and access to make my monthly payment if I am not able to make a call while on military travel. Totally unacceptable.
Consumer complaint received 2022-11-16
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. (TX)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the XXXX credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be deleted ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-25
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. (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. 

Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a list of 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 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 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 2022-11-28
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)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be deleted ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-06
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. (NY)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the write to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furniture an account without my written instructions.
Consumer complaint received 2020-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: DISCOVER BANK (CA)

On XX/XX/XXXX an account with Discover Bank was a opened. There was a final payment made on XX/XX/XXXX and the account was later charged off. According to the XXXX of California, which is the state I reside in, the statute of limitation for reporting charge offs is 4 years. This account is well past the 4 years the law allows to continue reporting to credit bureaus.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

As a federally protected consumer I'm seeking proof of the alleged debt, under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. In a good faith effort to resolve this matter amicably, I demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature in wet ink, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. For the record, I state again that as I have no account with you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : 1 ) Please evidence your authorization under 15 USC 1692 ( e ) 15 USC 1692 ( f ) and USC 1692 ( g ) in this alleged matter. 2 ) What is your authorization of law for your collection of information? 3 ) What is your authorization of law for your collection of this alleged debt? 4 ) Please evidence your authorization to do business or operate in the state. 5 ) Please provide proof of the alleged debt, including specifically the alleged contract or other instrument bearing my wet signature. You have 30 days of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you reported these accounts in error, and that this matter is permanently closed. Your continued silence is unacceptable. Either provide the proof or correct the record to remove the invalid debt from my credit files with the three-primary credit-reporting agencies. You are currently in violation of the Fair Credit Reporting Act and the Fair Debt Collection Act. I can't obtain housing or employment due to the violations on my credit file. You companies are causing Damages : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act. this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. The Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) will be notified regarding this alleged debt.
Consumer complaint received 2023-03-04
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. (MO)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC (MD)

I had a loan with westlake financial services. When I refinanced with XXXX XXXX XXXX they closed out the account on XX/XX/18 and now XXXX   is reporting a late payment in XX/XX/2018
Consumer complaint received 2022-09-05
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. (TX)

In accordance with the Fair Credit Reporting act Office of The Atty Gen Act # XXXX, has violated my rights. 

15 U.S.C 1681 sec 602 A states I have the right to privacy.

15 U.S.C 1681 sec 604 A section 2 : It also States A consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-11-21
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. (NY)

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 2023-02-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Credit Karma (TX)

Disputed transactions Company refunded one was refunded instantly Been waiting on 2nd disputed transaction since XX/XX/XXXX. 

Company refunded 2nd transaction today. 

The dispute still no update The refund isnt available to me. But I have proof it was refunded
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TN)

I have tried to contact this creditor and the credit bureaus on several occasions. I was told that once I paid this account for the settled amount that this would be removed from my credit report by the creditor. I have proof that I have paid this balance. Also, this account is reporting open when it is currently closed. They have this account as duplicate on my credit report which is hindering my scores. Also, the date of last activity is reporting incorrectly. According to 15 U.S.C. Section 1681, these companies have violated my rights by reporting inaccurate information.
Consumer complaint received 2016-04-02
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: FIRST NATIONAL BANK OF OMAHA (WA)

I got a voicemail from a debt collector saying I needed to return the call because they were trying to serve me with papers for a lawsuit but were unable to find me so I had to call and update my address. 
When I called they said it was about a lawsuit ( court date was supposed to happen within 10 days from the call I received, on XXXX XXXX ). They offered me to settle for more than 60 % less than what I I supposedly owed. 
I knew I had a debt with said original creditor but did not remember the exact amount which appeared to be way off. I gave them my email address and asked them to send me details about my account as I did not remember the exact amount. 
After hanginf up with them I went online and ordered my credit report. As I suspected, the amount did not match what the debt collector said ( The original debt on my credit report states {$4.00}, the debt collector said it was {$3.00} and offered me to settle for {$1.00} ) Also, the collection agency which holds my debt as it is on my credit report is XXXX XXXX XXXX not XXXX XXXX which is the one who contacted me. Different name, different number, different address. 
I also did a search online on the Stete of Washington Courts and called the court in my city as well to find out if I had really been taken to court. No records were found under my name whatsoever. 
So I called the agency who contacted me and told XXXX XXXX XXXX that I needed proof that they really owed my account and were legitimate as I could not confirm any of the information they gave me as correct. 
He then proceeded to threaten me saying my wages were going to be garnished and before he hung up on me he said " We will see you on court on XX/XX/XXXX ''. 
I have the copy of the validation letter they sent me along with the proposed settlement. 
Not sure how to proceed as the information does not match and also think it was not professional and very suspectful that he became upset and simply hung up on me after being confronted and requested further information. 
Also, came to learn later on that a guy named XXXX XXXX who had contacted me before at work, had also contacted a family member revealing private information about the referred debt and also leaving a message saying if I did not call them back, they were going to garnish my wages.
Consumer complaint received 2022-11-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

Bank of America opened a checking account in my name with my SSN. When I called fraud support, they would not help me until I provided them my SSN over the phone, which I will not do. Their " fraud help '' web site even states that they will not ask for SSN when resolving issues.
Consumer complaint received 2022-11-21
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Transunion credit bureaus must validate this account 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. This account need to be investigate and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX Date Opened : XXXX  Balance : {$3100.00}
Consumer complaint received 2022-09-05
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. (MI)

In accordance with the fair credit Reporting Act XXXX Account # XXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under and end consumer credit plan as late for any purpose. 

Please Have XXXX XXXX XXXX # XXXX remove immediately because violating my rights will lead to legal liability being taken for each of these violations.
Consumer complaint received 2023-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P. (TN)

XXXXXXXX XXXX XXXXXXXX sold my account to a third party which is trying to collect on a debt that was writing off as bad debt. This account has been on my credit report shown as bad debt for a period of time. The third party that is trying to collect on this matter have put this on my credit report as that i open this account on XX/XX/2023 which is not true. This illegal maneuver have cause my credit score to drop a XXXX points. This is a fraudulent act and should be rectify ASAP. I have sumitted a copy of the report showing the fraudulent act.
Consumer complaint received 2024-03-04
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)

I went through a legal name change in XX/XX/2022 and have requested Experian to make an update accordingly. After I've filed a request with Experian and supplied required documents for proof, Experian did not handle my request and my current online credit profile does not show any credit history or current active credit accounts except one. As a result, my credit score is under XXXX purely because it does not properly reflect my credit history. For comparison, I have 13 active and current credit accounts and those information are correctly reflected in XXXX and XXXX. 

I have reached out to Experian over 30 times throughout the past 16 months to get this matter resolved. While Experian responded claiming their data pull is reflecting all information properly, when I log in to the Experian website to check on my credit score it does not show any credit information. I do not understand why this is taking a very long time. This has driven my frustration level through the roof.