davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-09
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Global Lending Services LLC (NV)

I have an existing loan with Global Lending Service with an APR of 21.45 % and I am trying to get this loan refinanced to lower the monthly payment but the lender Global Lending Service has been calculating the interest more than the 21.45 % that I have signed up for giving me excessing pay-off balance. I have an offer for refinancing of and APR of 5 % which is a very acceptable car loan interest that I would like to have to fit my monthly budget but Global Lending Service Manager by the name of XXXX XXXX refused to look at their database of not calculating the correct pay-off balance and the correct interest accrued according to the APR 21.245 %. Please help by calling Global Lending Service to review my manual calculation according to my car loan contract and not according to their database calculation. Their database is ripping off consumers like me. 
Thank you.
Consumer complaint received 2024-03-16
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. (FL)

This agency violates 15 USC 1692g. They were to notify me of this in writing XXXX days prior, but I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately : *List of accounts to be deleted : XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX  XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX The reporting of these accounts ) is/are violations of 15 USC {$1600.00}, and the Fair Credit Report Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : consumer report So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), " credit card '' is defined as the following : This makes your social security card, driver 's license/ID, and license plate credit cards that are/were used ( 2 ) EXCLUSIONS. -Except as provided in paragraph ( 3 ), the term " " Does not include- ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. The term " credit card '' means any card, plate, coupon book, or other credit device existing to obtain money, property, labor, or services on credit. for the extension of credit. I demand these accounts be Deleted from my credit report Immediately. By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted XXXX  Metro 2 COMPLIANCE regulations, I demand that these above-mentioned derogatory items be investigated and permanently removed from my report.
Consumer complaint received 2023-02-06
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: Risecredit, LLC (IN)

In accordance with the fair credit reporting act XXXX  account info : RISE ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ) has violated my rights!

15 U.S.C 1681 section 602A. States I have the right for privacy.

15 U.S.C 1681 section 604A section 2. It also states a consumer report agency cant furnish an account without my written instructions.

15 U.S.C 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.
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
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 {$1100.00} XX/XX/18 XXXX XXXX XXXX XXXX {$11000.00} XX/XX/18 XXXX XXXX  XXXX  XXXX {$7600.00} XX/XX/18 XXXX XXXX XXXX XXXX {$190.00} XX/XX/18 WRONG SOCIAL SECURITY XXXX I AM ITIN NO SS 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-02-24
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. (CA)

My credit was being ran from XX/XX/XXXX to XX/XX/XXXX. Ive contacted Transunion to remove them many times and they have agreed to, yet theyre still on my report. Ive contacted all the merchants and they said only transunion came remove them.
Consumer complaint received 2022-02-24
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. (FL)

I XXXX XXXX recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus to delete said accounts and I am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. These accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. Please help resolve this matter because it is illegal to report these accounts without my written signature. 

I DEMAND THESE COMPANIES TO REMOVE THE ACCOUNTS IMMEDIATELY!!!
Consumer complaint received 2020-03-10
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: ENOVA INTERNATIONAL, INC. (GA)

I mailed the companies a hard inquiry removal letter on XX/XX/2020 with companies that I did not recognize on my credit report and when I call the companies to see if the have received the letters they stated they did not receive them. I believe this to be false and would like to your company to file a report also.
Consumer complaint received 2020-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc. (CA)

This is the information fom my first complaint that was closed with no resolution : I submitted a fax requesting a freeze be put on my consumer file with SageStream , LLC on XXXX at XXXX PST along with all supporting documents to allow this to happen. I followed up on XXXX, XXXX, XXXX, XXXX with phone calls. Each time I got their answering machine and was told my call would be returned within 1 business day. I have yet to receive a call back from them. I am just trying to confirm a FREEZE was placed on my file and when I could expect to receive my security PIN #. 

Since then I have called on a daily basis and have left more messages than I can remember. I resubmitted my information by fax on XXXX and still no response from SageStream LLC.
Consumer complaint received 2023-11-30
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 enrolled in a debt repayment plan to responsibly pay my debt to XXXX 's XXXX XXXX due to my child having special needs and needing to create a sustainable repayment plan with my new financial responsibilities. XXXXXXXX XXXX  accepted my debt repayment plan on XX/XX/XXXX  ( see attached email from XXXX XXXX XXXXXXXX XXXX  ), but failed to change my required monthly payment to the plan agreement of {$39.00}. In XX/XX/XXXX  ( see attached statement titled XXXX XXXX XXXXXXXX ), XXXX XXXX XXXX XXXX paid them the agreed upon monthly payment of {$39.00}. At that point, my account went past due because XXXXXXXX XXXX did not change my minimum payment due until XX/XX/XXXX  ( 4 months past the agreed upon new rate ). 

The monthly payment is now correct ( after I called XXXX several times ), and is paid directly by XXXX XXXX XXXX XXXX. However, XXXX XXXX continues to report my account as 60 and 120 past due, when in fact, I have never been late ( see attached statements showing no late payments or past due amounts prior to the agreed upon debt repayment plan ). When I call, the representatives agree with this account and open a new dispute, but the office that reviews disputes continues to state I was past due PRIOR to the debt repayment plan, and refuse to change my status in their credit reporting. I am unable to speak with anyone in the dispute department that handles credit reporting. I have called every month since XX/XX/, and they continue to file a new dispute, and continue to reject it without any factual data indicating I was past due prior to enrollment in the debt repayment plan. This is an error on XXXXXXXX XXXX  part by not correctly adjusting my monthly payment amount due in XXXX of XXXX  ( after agreeing to the new payment amount in XX/XX/XXXX  ), causing my account to go past due in XX/XX/. 

This issue has destroyed my credit, which has always been around XXXX. I am a home owner and a single mother, and I have worked hard to maintain a good credit score. I would appreciate any suggestions on how to remedy this incredibly unfair situation.
Consumer complaint received 2024-03-16
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. (CA)

XXXX XXXX has been paid in full on account ending in XXXX. This was for an HVAC system. I've disputed this with the three bureaus, and they've updated my XXXX file, but my TransUnion and XXXX file still shows a balance owing of {$3800.00}. I was told to wait until my account was paid and updated and a new statement was generated, but that has happened for XXXX and my XXXX and TransUnion file still remain incorrect.
Consumer complaint received 2024-03-16
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. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The above accounts that is currently reporting to my credit report is is holding up the process of me buying a new home. The accounts is FRAUDULENT and UNAUTHORIZED. -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The above accounts has filed a civil case against me for a debt collections that I did not authorize. They are in violation of FDCPA XXXX. demand to see the application for credit or request for business. I demand see the purpose, and written contract, and proof that I applied for these accounts?? I am a victim of Fraud and I am protecting my credit file as much as I can.
Consumer complaint received 2023-01-17
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: Experian Information Solutions Inc. (IL)

I have contacted the court and they verified that they do not report bankruptcy to you all therefore this information is not verifiable and must be removed. it's clear they do not report to you Experian, XXXX or XXXX or to any Credit Bureau for that matter therefore your Original response verifying the item with the court was either a lie or an error either way the reporting requirement Do Not Comply with FCRA and FTC laws and the be deleted immediately.
Consumer complaint received 2022-10-31
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 (VT)

First, there is no way I can find to contact MOHELA right now -- they never answer the phone and I can't find any other way to contact them. 

MOHELA says I owe over {$430000.00} on three separate loans. My FSA account says I only owe about {$240000.00}. The information does not agree. What is the true amount? 

XXXX split my XXXX loan into TWO parts is what XXXX told me. Then XXXX told me MOHELA would have to fix it. I should be getting some form of XXXX or XXXX, due in part to spending most of the time since XXXX in some kind of forbearance or hardship deferment, but if the XXXX  forgives only {$240000.00}, will MOHELA still bill me for " the rest? '' I would like the information to at least agree. 

By the way, I " only '' borrowed around {$130000.00}, the rest of that balance is interest capitalized from spending years and years in forbearance. XXXX kept me in forbearance for at least ten years in a row from XXXX through XXXX. I'm in the XXXX program and have been public servant since XXXX.
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (AR)

This company has continued to violate my consumer rights. They are in violation in 15 USC 1681 B-Permissible Purpose, 15 USC 1681 Q, 15 USC 1681C-2 . This company responded to my dispute as you can see in the document attached stating that this account has been verified by the company reporting it. They have NOT supplied any proof of this account verified. The have no permissible purpose to report these accounts on my consumer report. The law is clear and it ates these companies must have my written permission and they DO NOT!!!! You also can see that I have a letter attached from the company US Bankruptcy Court where they are stating they did not verify any of my information with these consumer reporting agencies. This company is falsely reporting inaccurate information on my consumer report and I am demanding they stop and remove this fraudulent information for their financial gain. This is illegal!!! Here are all the documents I have sent to them showing them proof they are illegally using my personal information and they have refused to stop.
Consumer complaint received 2021-12-30
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

Several months ago and to no prevail we have sent FTC report and affidavit as well as police report to capital one, the bureaus, XXXX, and XXXX the credit reporting agencies to ask for this incorrect information to be removed and blocked which appears to be a closed account. The account was removed but the creditors continues to re report it to the credit reporting agencies monthly. The account was taken over fraudulently during the ownership of the account and was not able to be recovered by the consumer.
Consumer complaint received 2023-11-30
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

Kindly delete these unauthorized accounts from my credit report. I haven't opened them, and I'm unaware of their origins. As per USC 1681g, I request their removal within the next 15 days. I've attached the relevant documents for your reference.
Consumer complaint received 2022-02-24
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. (CA)

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

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-05-03
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. (LA)

I ask the credit bureaus to do a verification of everything on my credit report they stated everything was accurate. Upon doing a thorough research on my reports I found improper inaccuracies on the reports even after they did the thorough verification. The accounts below all have inaccurate reporting dates and amounts between the bureaus. ACCT NAME : XXXX XXXX # XXXX AMOUNT {$500.00} ( THIS IS A FRAUD ACCT & I ALSO REACHED OUT TO COMPANY THEY SAID THEY HAVE NO RECORD OF ME OPENING ACCT BUT YET IT IS STILL ON MY CREDIT ) In Accordance with the Fair Credit Reporting act XXXX  Account # XXXX has violated my rights. ACCT NAME : XXXX XXXXACCT # XXXX AMOUNT {$400.00} In Accordance with the Fair Credit Reporting act XXXX XXXX # XXXX has violated my rights. ACCT NAME : XXXX XXXX # XXXX AMOUNT {$340.00} In Accordance with the Fair Credit Reporting act XXXX  Account # XXXX has violated my rights.15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

To Whom It May Concern : My mortgage company reported that I was 30 days late for my XXXX payment. There were issues with my bank as I was using a new account. The payment had been submitted twice and I was told that it was received ; however, three days later, I received an email ( each time ) stating that the payment wasn't processed. 
After the second attempt I submitted a payment via another bank and the payment was processed on XXXX. I called my mortgage company ( as I have been told that I am a valued customer and I have not had any late payments in over a year ) and ask them to rescind the late notice as my credit score dropped almost XXXX points and they refused. 
I also mailed the request in writing. 

Thank you
Consumer complaint received 2020-03-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (MD)

Requesting Payment History for XXXX Wells Fargo Home Mortgage purchase my mortgage in XXXX of XXXX and increase an original mortgage of {$330000.00} ( XXXX ) to XXXX which cause me to go into default in XXXX after becoming unemployed. 

I was placed on a Forbearance program for that period I was unemployed in XXXX, and I sent my unemployment check every two week ( {$480.00} ) to Wells Fargo during the time. I was rein-employed in XXXX and started making regular payments. 
On my XX/XX/XXXX Statement payment due was {$7900.00}. 
YTD Summary Unpaid Unpaid Principal Bal XXXX Unpaid Second Principal Bal XXXX ( Buy-back Loan ) I worked the entire year of XXXX ; however ; I am not sure if I was allowed to pay mortgage because the foreclosure process had started. 
In XXXX I gave Wells Fargo {$32000.00} through the District Court, and I did not see a change in my mortgage default. 
I have been requesting a Payment History from Wells Fargo for Three ( 3 ) Months and I have yet to receive the PAYMENT HISTORY for XXXX.
Consumer complaint received 2020-01-16
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: Experian Information Solutions Inc. (FL)

I saw on my experian credit report 3 inquiries which is not mine, please help me to they remove from my credit report. Thank you XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX.

Type : Bank Credit Cards Phone number : XXXX Address : XXXX XXXX XXXX XXXX XXXX, TX XXXX  XXXX  CARDS XXXX   Inquiry date : XX/XX/XXXX.

Removal date : XX/XX/XXXX Type : Bank Credit Cards Phone number : NO PHONE PROVIDED Address : XXXX XXXX XXXX XXXX XXXX, SD XXXX   XXXX  Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Type : Bank Credit Cards Phone number : XXXX Address : XXXX XXXX XXXX XXXX, DE XXXX
Consumer complaint received 2021-06-29
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: CREDIT ACCEPTANCE CORPORATION (TX)

I bought a car from XXXX on XX/XX/2020. 

For some reason, the Credit Agency is not reporting my loan at all. 

i have attached the entire contract.
Consumer complaint received 2023-02-03
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report. Over 60 days later, I have not received a response yet. I feel like I am being taken advantage of and being ignored in my disputes. In Section 611 ( a ), it is stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted expeditiously. If the accounts are not deleted immediately, I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.