davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-17
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: EQUIFAX, INC. (VA)

Account # XXXX XXXX XXXX still reporting a past due balance and late payments on my credit report after they have sold it to XXXX XXXX XXXX XXXX collection agency ). It is against violations to continue to report a past due balance on a charge-off debt and sold to a collection agency. In violation of FCRA Section 611 ( 5a ) ( 15 U.S.C section 1681 ) : Treatment of Inaccurate or Unverifiable information
Consumer complaint received 2024-03-12
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. (OH)

I am writing to formally dispute the reporting of late payments on my consumer file, specifically related to the accounts below. Upon reviewing my credit report, I noticed that these late payments listed below are inaccurately reported, which is adversely effecting my creditworthiness. 
XXXX XXXX with account number XXXX the first late payment listed on this account is wrong and you need to remove this account. 
XXXX with account number XXXX I paid on time but you're listing me as late - you need to update to paid as agreed. 
XXXX with account number XXXX I paid on time but you're listing me as late - you need to update to paid as agreed. 
XXXXXXXX XXXX XXXX  with account number XXXX Each bureau has different info in the historical payment data this is inaccurate and all lates need to be removed XXXX XXXX with account number XXXX Each bureau has different info in the historical payment data this is inaccurate and all lates need to be removed XXXX with account number XXXX Each bureau has different info in the historical payment data this is inaccurate and all lates need to be removed XXXX XXXX with account number XXXX the first late payment listed on this account is wrong and you need to remove this account. 
Under the Fair Credit Reporting Act : 15 USC 1681 Section 602 guarantees my right to privacy. This ensures the confidentiality of my credit report and mandates that information on it must be reported in a way that is fair and accurate to protect the consumer 's privacy.

15 USC 1681 Section 604a Section 2 stipulates that a consumer reporting agency can not furnish a report containing information on a consumer 's credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living without the consumer 's written instructions.

In light of these provisions, I challenge the authenticity and validity of the late payments recorded on my account and request your agency to produce evidence or documentation that validates this reporting in accordance with my written instructions.

Moreover, in alignment with 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose unless they have adopted reasonable procedures designed to ensure that each periodic statement contains the required information.
Consumer complaint received 2022-10-14
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I submitted a letter to the XXXX and Equifax Credit Bureaus XX/XX/XXXX to update this suspicious information. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$230000.00}
Consumer complaint received 2023-10-19
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)

I sent a letter to XXXX bureaus to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than XXXX business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  Balance : {$3700.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$6300.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-03-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (NY)

American Express closed down my credit card account without giving me any notice or reason why. I called them and no one can explain why they close my account I even asked to speak to the manager and they cant seem to find a reason for closing my account. Everything was up-to-date with my card I was very responsible with my card. I didnt get an email or email regarding why they close my account. All they can tell me is that they Close my account XX/XX/XXXX and that there is no records of cancellation. I asked for corporate number they refuse to give me that information. I spoke to customer service representative XXXX XX/XX/XXXX at XXXX AM and I also spoke with supervisor XXXX he claims that he can not provide me with corporate number or email and refused to help with my situation.
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The XXXX credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my 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
Consumer complaint received 2022-02-01
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC (NJ)

To : Selene Finance LP XXXX XXXX XXXX XXXX, TX XXXX We are writing this letter to find out what can I do to resolve my issues with my current mortgage lender Selene XXXX . 
The bank is withholding our money. At the beginning of XX/XX/2021, I called the bank and talked to customer service, explaining our situation and what was going on with our finances. I told Customer service that I can start making double or a payment and half, until we are able to catch up with the balance I own. The bank never ( not even once ) objected, so I proceeded and send Selene Finance {$2400.00} dollars in XX/XX/2021. In XX/XX/2021, we received a check from the bank for the same amount, I originally send to them with a letter claiming that they us to pay the full amount. I called the same day and explain the situation my husband and I are experiencing and the bank agree with us to make an agreement we can catch up with what I own and start brand new, making payments. So, we agree with the terms of the bank and they told me that I need to make a payment of {$2400.00} first payment and then {$1700.00} for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and then in XXXX our regular payment of {$1200.00}. We also agree that they were going to send me a letter with the agreement and the bank never did. In addition, the bank also agree to returned the {$2400.00} I originally send to them in XX/XX/2021 for the amount of {$2400.00}, which they never did. I called several times and every time, it was a different agent with different excuses. The last person we called said that the bank was going to hold my money for 90 days with no explanation. I told her that I need the money to keep paying them and hold my agreement because we leave paycheck by paycheck and we were not going to be able to come up with another payment of {$1700.00} so fast. My calls to the bank were always blank with empty promises and excuses. So far, the bank has in total {$2400.00} first payment, withdrew from my bank on XX/XX/XXXX of XXXX my second payment made in XX/XX/XXXX for another {$2400.00} for a total amount of {$4200.00}. Also, to clarify the check the bank mailed to me the first time was not remit to me, see copy of the check and letter so I was unable to change the check and that was the reason why I returned the check to the bank ; so they can correct the check and send it to us again or transfer the fund to my bank. The bank agree on XX/XX/XXXX, that they would transfer the fund or mail the check and none has been done. Furthermore, the bank is charging fees that I don't know and this is very confusing to us. I dont know where to go or whom do I have to call or contact regarding my money and the issues I'm having with the bank. Please let me know what to do and what can you do to help me solve this problem. Thank you. 



Sincerely, XXXX XXXX XXXX and XXXX XXXX
Consumer complaint received 2022-02-01
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. (GA)

I have recently been information reported by XXXX XXXX XXXX in the file you are maintaining under my social security number. Upon ordering an online copy of my credit report, I see an entry from this company listing two different amounts XXXX XX/XX/XXXX, original balance XXXX and collection balance by your company XXXX. Then another account XXXX originally balanced XXXX collection balance amount XXXX. The status amount is XX/XX/XXXX. This account shows I still owe this company XXXX XXXX XXXX. Please validate this information with XXXX XXXX XXXX and provide me with copies of documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my social security number. Please note this violates FCRA and FTC ( 15USC 41, et seq ) This is my final documentation as I have sent documentation to Experian with certified mail on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. My action is to pursue your agency for a {$5000.00} lawsuit in XXXX XXXX XXXX for Defamation, Negligent Enablement of Identity Fraud, and Violation of the FCRA.
Consumer complaint received 2019-11-26
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Navient Solutions, LLC. (NY)

I graduated in XXXX from University of XXXX  at XXXX with a XXXX XXXX in XXXX. I consolidated my student loans and was making timely payments. In XXXX, I moved with my young family to the XXXX NY area and began working for XXXX  XXXX ( XXXX XXXX ) - a state hospital which is designated as a Disproportionate Share Facility. I learned of a student loan repayment program, applied, and was accepted. For three years, from XXXX, I participated in the program. I left XXXX  XXXX in fall of XXXX, and returned in XXXX of XXXX -- I have remained a full-time employee of this company every since. In XXXX of XXXX, I received a Certificate of Completion for XXXX Student Loan Repayment Program and a congratulatory letter from US Dept of Health & Human Services ( see attached ). From that date, XXXX of XXXX, I NEVER received ANY further correspondence, bill, or indication of further student loan debt. 

Fast forward to nearly 10 full years later, XX/XX/XXXX, I began receiving calls from a company and assumed it was a wrong number or telemarketer. It was Navient, claiming that I owed over $ XXXX in student loans to them and that I was delinquent in my payments. I tried to explain to them that I had never had an account with them and did not have any outstanding student loans that I was aware of for nearly 10 years. Shortly thereafter, I noticed that my credit reports had taken a plunge -- Navient started reporting this fraudulent account on my credit reports!! 

Of note, I had just purchased a home for $ XXXX and a new car In XXXX of XXXX. At no point during those large purchases, was there ANY indication that I had outstanding student loan debt. From XXXX on, my credit reports reflect that my student loan accounts are at a " XXXX '' balance and have been closed.
Consumer complaint received 2015-05-28
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: SUNTRUST BANKS, INC. (MD)

I 've been a member of Suntrust Bank for over 15 years. I have a checking account with the bank and I recently had several overdraft fees on my account. I reached out to the Customer Service Department about removing some of the fees and they stated since I have been a long time customer and since I have a direct deposit that the fees can be removed. And the conversation that took place XXXX XXXX, 2015 the representative stated that I would see the refund posted back in my account within 24hrs. I never got any refunds. I made another call to the bank and got transfer from XXXX representative to another and that was it.
Consumer complaint received 2016-12-30
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: National Enterprise Systems, Inc. (FL)

A representative named XXXX XXXX from 'National Enterprise System ' continues to reach my main business line XXXX and my cell phone line XXXX. He continues to attempt to reach my ex husband which use to work in my business, But no longer does. 

He continues to harass my employees by interrupting them and blocking the only line I have open for my customers. He calls everyday with the same request after he was told several times that the person who he is trying to reach does not longer work there. 
He continues to make false statements regarding the ownership of the business and false accusations about the person he is trying to contact. 

Lastly, I am not the person who he is trying to reach and he is affecting my business dynamic by interrupting the work flow of a regular day. 

His name is XXXX from 'National Enterprise System ' his number is XXXX Ext- XXXX
Consumer complaint received 2016-08-20
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: AES/PHEAA (NY)

1. received email from us dept of education on XXXX/XXXX/16 regarding a loan forgiveness program. 
2. filled out the form and mailed it. 
3. received XXXX servicing bill for loan payment. sent out payment by mail, because online the account has been closed by fedloan without my knowledge. I did n't get anything in the mail that they had approved my application. 
4. sent out payment to fedloan address with XXXX invoice stub so that they can apply the payment, since I did not get a bill from fedloan and I could not set up an online account with them because they were still processing everything. 
5. payment processed on XXXX/XXXX/16 and XXXX/XXXX/16 for the same amount. 
6. XXXX/XXXX/16 received email from fedloan welcoming me and suggesting that i set up an online account. 
7. XXXX/XXXX/16 set up an online account with fedloan.org 8. online account states that i am past due and my loans are deliquent, which is incorrect. made a third payment for the same billing cycle online under fedloan. emailed with their online email that i paid already and that this is the third payment for the same cycle and their website says i am past due.
Consumer complaint received 2019-11-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (AZ)

XX/XX/19 disputed Transworld System Acct # XXXX for the XXXX XXXX. I paid money to them when and I had insurance. I was told to pay an amount before I even had XXXX and Ive never received anything else from them. Ive attempted several times to get a copy of the invoice from transworld they told me that the collector that sold the account to them. Didnt provide them with one and they would have to get it or I could call. I did that and nothing. Ive never seen an invoice in the amount of {$250.00}. And of the account was sold to the collection agency why dont they have one? I dont know how they have provided any proof when I havent received anything as of yet and its damaging my credit. I feel that it should be removed since they can not provide the information. Ive been getting the run round for over a year. I dont feel I should have to pay something that I never received.
Consumer complaint received 2022-01-31
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. (IL)

Experian has been using my consumer report improperly. They have violated the XXXX. They are reporting a credit card balance from XXXX XXXX and XXXX XXXX. Reporting these balances is harming my reputation. I made Experian aware of the laws stated in the XXXX and told them to remove the balances by sending them a letter XX/XX/2022 via certified mail.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

US CODE 1681 E- COMPLIANCE PROCEDURES B ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

MY LEGAL NAME IS - XXXX XXXX XXXX PLEASE REMOVE THE FOLLWING NAMES AND ANY OTHER NAMES YOU HAVE ON MY CREDIT XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE REMOVE ALL OF THE INCORRECT PERSONAL INFORMATION ON MY CREDIT REPORT. THE INFORMATION LISTED ON THIS DOCUMENMT IS NOT MINE AND NEED TO BE CORRECTED. THIS IS A RESULT OF IDENTITY THEFT. 

MY CURRENT ADDRESS IS- XXXX XXXX XXXX XXXX XXXX MI XXXX PLEASE REMOVE THE ADDRESSES AND ANY OTHER ADDRESSES YOU HAVE ON FILE FOR ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX MY SOCIAL SECURITY NUMBER XXXX XXXX PLEASE REMOVE THE ALL OTHER SOCIAL SECURITY NUMBERS OR VARIATIONS FROM MY CREDIT REPORT PLEASE CORRECT ANY ERRORS. 

MY PHONE NUMBER IS ( XXXX ) XXXX PLEASE REMOVE THE ALL OTHER NUMBERS OR VARIATIONS FROM MY CREDIT REPORT PLEASE ( XXXX ) XXXX PLEASE REMOVE ANY EMPLOYERS LISTED ON MY CREDIT REPORT THEY ARE NOT MINE. 
XXXX XXXX XXXX XXXX XXXX THE FOLLOWING INQUIRIES ARE NOT MINE, THEY ARE FRAUDULENT AND THE VENDORS REPORTING THEM MOST SHOW THAT THEY HAD THE LEGAL AUTHORITY TO ACCESS MY CREDIT REPORT OR THE INQUIRY MUST BE REMOVED. 
XXXX XXXX XXXX ( XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-03-17
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: EQUIFAX, INC. (MA)

I believe Equifax is in error regarding their completed Investigation ( Confirmation # XXXX ) of a dispute I initiated regarding my personal Credit Report file. This dispute centers on the CRA 's ( Equifax 's ) right to report a Hard inquiry on my Credit Report file without providing to me the actual proof of proper verification requested. Absent actual proof of proper verification, as requested, the Hard inquiry would then be classified as UNVERIFIED, and under the Fair Credit Reporting Act the unverified Hard inquiry MUST BE DELETED from my Credit Report file. ( TAKE SPECIAL NOTICE SECTION ( E ) - - " OR can not be verified '' - - Federal Trade Commission ( FTC ) Fair Credit Reporting Act ( FCRA ) September 2012 609. Disclosures to consumers : U.S. Code Title 15 Chapter 41 Subchapter III 1681g ( c ) ( 2 ) ( E ) : ( c ) Summary of Rights to Obtain and Dispute Information in Consumer Reports and to Obtain Credit Scores ( 2 ) Summary of rights required to be included with agency disclosures. A consumer reporting agency shall provide to a consumer, with each written disclosure by the agency to the consumer under this section ( E ) a statement that a consumer reporting agency is not required to remove accurate derogatory information from the file of a consumer, unless the information is outdated under section 605 or can not be verified. )