davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-01
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. (FL)

.i was a victim of identity fraud, i have sent in police report before and have contact equifax by mail and phone. i also never gave them written consent toreport any credits of mine. they are in violation of my consumer rights.
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

To whole it may concern In accordance with the ( FCRA ) Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality again under 15 USC 1681. 

[ XXXX XXXX XXXX ] [ XXXX ] & [ {$7800.00} ] According to the FCRA the following rights have been violated. 

15 U.S. Code 1681b - Permissible purposes of consumer reports a ) In generalSubject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

15 U.S.C. 1681s-2 ] Reporting information with actual knowledge of errors. A person shall not furnish any information relating to consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate.

15 U.S.C. 1681 Section 602 ( 4 ) There is a need to ensure that consumer reporting agencies exercise their responsibilities with fairness, impartiality and respect for the consumer 's right to privacy. 


All items need to be permanently blocked & removed from my consumer report
Consumer complaint received 2024-01-11
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: COMMERCE BANK (KS)

Commerce Bank XXXX Kansas sold a gift card that cant be used at online merchants. Ive tried multiple times to use it and was told over the phone by a representative that it isnt valid for online purchases unless I sign up for an account on their website first.
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with the fair credit reporting XXXX XXXX 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 an account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit as late for purpose.
Consumer complaint received 2024-08-28
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 looked at my credit report on XXXX XXXX, and notice some things are incomplete & inaccurate.According to the Fair Credit Reporting Act 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. These accounts XXXX XXXX  XXXX, open date not reporting correctly, date last active, date of last payment & account is inactive & CLOSED ACCOUNT
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

My account with TransUnion was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments 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 the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

TransUnion Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Consumer complaint received 2023-02-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: WELLS FARGO & COMPANY (CA)

I was informed to reach out. I had a loan that I paid off for my XXXX XXXX that I purchased in XXXX when I got back from my tour in XXXX. 

The loan was from Wells Fargo. I recently read an article that they are paying people back who had auto loans through then between the years is XXXX - XXXX for increasing interest rates and various other reasons. 

I wanted to see if I was eligible for any return or payment during the time I had my loan and paid it off. 

XXXX XXXX XXXX Thank you
Consumer complaint received 2024-02-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA (PA)

On XX/XX/XXXX, I received an email from Mohela stating that I was required to recertify my IDR SAVE Plan before the XXXX deadline. I submitted my recertification application a few days later. There had been no changes to my income ( still {$0.00} ), as I am a XXXX XXXX living on an XXXX XXXX abroad. My application was denied by Mohela on XXXX XXXX, XXXX with the statement that I am " not currently due for an annual renewal, '' despite contradictory information in their XX/XX/XXXX email. I was then told that the due date for recertification is XX/XX/XXXX. 

I resubmitted my recertification application after receiving an email on XX/XX/XXXX that my monthly payment amount has risen from {$0.00} to {$200.00} due to failure to recertify ( even though I attempted to recertify ). I have already submitted a complaint on studentaid.gov, but I am submitting one here also, as I am not able to pay this {$200.00} amount.
Consumer complaint received 2024-03-09
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 applied for a loan consolidation of my XXXX  loans that was approved and consolidated in XX/XX/XXXX, during that process they were also transferred or sold to XXXX XXXX. I applied for the XXXX XXXX XXXX that was also approved in XXXX of XXXX. I reached out to XXXX and they stated it would take some time to update and be deleted from my report. I received an email from them in XXXX, I received a letter from them in the mail XXXX XXXX stating my loans were XXXX percent XXXX and would be removed from my credit report within XXXX days. I reached out to the company again and spoke with someone who stated her name is XXXX, I asked her why is my loans showing a balance XXXX  from what I originally owed in XXXX  loans which is XXXX now your records shows over XXXX. I noticed they were showing my XXXX  loans before they were consolidated as well as the consolidated loans. She only kept stating it takes longer to discharge consolidated loans. I was put on hold XXXX  times just to keep getting told the same thing over and over it takes time. But according to the letter it stated XXXX days which is basically false information. Now my credit report is showing as if I owe on XXXX  loans that should be removed by now. Ive attached a document showing when my loan was with the XXXX  servicer as XXXX it was transferred to XXXX in the amount of XXXX but they are telling me I have a balance of XXXX and they XXXX some other loans and removed them from my credit report.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I was advised by Transunion and XXXX rep to fill out this report because of unauthorized inquiries in my report. Please remove all of these fraudulent unauthorized inquiries on my report. XXXX XXXX XX/XX/23, XXXX  XXXX XXXX XX/XX/23, XXXX XXXX XX/XX/23
Consumer complaint received 2023-08-01
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. (NV)

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.

has violated my rights. Or 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 2023-03-01
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. (MS)

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, XXXX XXXX : # XXXX, XXXX XXXX, # XXXX, XXXX XXXX XXXX, # XXXX, XXXX, # XXXX 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.

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 2023-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (TX)

To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.
Consumer complaint received 2023-02-11
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. (LA)

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

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. XXXX 's accounts XXXX charge of
Consumer complaint received 2024-04-17
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: PENNYMAC LOAN SERVICES, LLC. (SC)

I am writing to express my profound dissatisfaction and concern regarding the recent adjustment made to the interest rate on my XXXX mortgage loan by PennyMac Mortgage Company. It has come to my attention that the interest rate has been increased substantially, effectively cheating me out of the original lower rate that was agreed upon at the time of the loan origination. 

As a veteran, I rely on the benefits afforded to me through the XXXX mortgage program to secure stable and affordable housing. When I initially entered into the mortgage agreement with your company, the terms clearly outlined a specific interest rate that was in line with market standards and my financial capabilities. Now, PennyMac has cheated me out of that original interest rate, significantly impacting my monthly mortgage payments and overall financial well-being. They are literally cheating Veterans out of their lower interest rates in order to line the pockets of their investors and stock holders with no regards to the strife and undue stress they are submitting Veterans and their families to across the United States. I believe XXXX needs to be investigated along with the Department of Veterans Affairs for putting America 's Veterans through this! Making me sign a financial document when they knew the Department of Veterans Affairs was working on a remedy to this horrible situation they put us in without any financial or legal counsel is paramount to fraud, on the highest degree. I was made to sign a mortgage adjustment document under duress when the PennyMac nor the Department of Veterans Affairs would return my calls in a timely manner. So signing was done under duress at a time of high emotional and financial stress since I have been unemployed since XXXX XXXX, 2023. This sudden and unjustified adjustment to my interest rate not only undermines the trust and transparency expected from a reputable mortgage provider but also places an undue burden on me as a homeowner. I firmly believe that this action constitutes a breach of our contractual agreement and represents a blatant disregard for the rights and interests of your customers.
Consumer complaint received 2023-03-01
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: EQUIFAX, INC. (NC)

I recently reviewed a copy of my credit report and I was shocked. I have been a victim of Identity Theft and I have found numerous accounts on my credit report that were open up by me. This has been hurting me big time as now I am in process of buying a home and this is hurting me where me and my family can't with this fraudulent info sitting on my credit reports. Please remove the fraudulent accounts from my accounts as soon as possible, this is very urgent.
Consumer complaint received 2023-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. 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 XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (NC)

I am reaching out to address a concerning matter regarding my credit file. I've noticed a collection entry from your agency that has raised my concern, as I was not previously notified about this collection. Moreover, I have serious doubts about the accuracy of the debt being claimed. Under the Fair Debt Collection Practices Act, I am entitled to request validation of the debt. Therefore, I kindly request that you provide me with the necessary validation and take appropriate actions to resolve this issue.
Consumer complaint received 2023-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (AZ)

To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.
Consumer complaint received 2023-07-31
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: EQUIFAX, INC. (GA)

I want to permanently remove my name from the list that Consumer Credit Reporting Companies, XXXX, Equifax, XXXX, and XXXX, provide to businesses that send firm ( pre-approved/ pre-screened ) offers of credit or insurance.
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (VA)

RESURGENT CAPTIAL SERVICES Compliance Address XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, SC XXXX TO WHOM IT MAY CONCERN, I DEMAND THE COMPANY LISTED PER 15 USC 1692C ( C ) FOLLOW THE LAWS OF THE FCRA : THE LAW CLEARLY STATES : They must Cease all communication even the reporting on my consumer profile If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer. 

The following accounts : CFPB Case # : XXXX Account Number : XXXX Original Creditor : XXXX XXXX XXXX XXXX 

Current Owner : LVNV Funding LLC Reference Number : XXXX Account involved in litigation I HAVE NO CONTRACT OR OBLIGATION TO PAY THIS DEBT OR COLLECTOR AND THEY HAVE NOT PROVIDED ME WITH MY WET INK SIGNATURE BETWEEN ME AND RESURGENT CAPITAL SERVICES IN A BINDING CONTRACT AGREEMENT THAT I AM OBLIGATED TO PAY THIS ALLEGED DEBT TO THE COMPANY WHO IS REQUESTING THAT I PAY. 


I DEMAND THEM TO remove it from my credit report. 




DISPITE THE WRITTEN REQUEST, THE UNVERIFIED ITEMS LISTED ABOVE STILL REMAIN ON MY CREDIT REPORT IN VIOLATION OF THE FEDERAL LAW. YOU ARE REQUIRED UNDER THE FCRA TO HAVE A COPY OF THE ORIGINAL CREDITORS DOCUMENTATION ON FILE TO VERIFY THAT THIS INFORMATION IS MINE AND IS CORRECT. IN THE RESULTS OF YOUR INVESTIGATION YOU STATED IN WRITING THAT YOU " VERIFIED '' THAT THESE ITEMS ARE BEING " REPORTED CORRECTLY ''? WHO VERIFIED THESE ACCOUNTS? YOU HAVE NOT PROVIDED ME A COPY OF ANY ORIGINAL DOCUMENTATION ( A CONSUMER CONTRACT WITH MY WET INK SIGNATURE ON IT NOT A COPY OR SCANNED ITEM ) AS REQUIRED UNDER SECTION 609 ( A ) ( 1 ) ( A ) & SECTION 611 ( A ) ( 1 ) ( A ). FURTHER MORE YOU HAVE FAILED TO PROVIDE THE METHOD OF VERIFICATION AS REQUIRED UNDER SECTION 611 ( A ) ( 7 ). PLEASE BE ADVISED THAT UNDER SECTION 611 ( 5 ) ( A ) OF THE FCRA- YOU ARE REQUIRED TO PROMPTLY DELETE ALL INFORMATION WHICH CAN NOT BE VERIFIED.

I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay your company directly since I never signed anything with your company who is trying to collect from me. Please supply the information below so that I can be fully informed : Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay ypur company RESURGENT CAPTIAL SERVICES and lvnv. 

PLEASE PROVIDE ME WITH MY WET INK SIGNATURE BETWEEN ME AND YOUR COMPANY THAT IM OBLIGATED TO PAY YOU AND IF YOU CAN NOT SUPPLY THAT SIGNATURE OR CONTRACT I DEMAND YOU DELETE THIS DEBT FROM MY CONSUMER BREPORT. 



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