davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-03
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 — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

I have tried to dispute, explain, call email and send messages to Kohl 's Credit Card company regarding my issue with the late payments on my credit report. I explained my situation and they just tell me dispute. I just need the late payments that were not my fault ( I understand they were not Kohl 's fault either ) taken of my credit report. 

The late date showing on my credit report is : XX/XX/XXXX I explained to Kohl 's in message this : '' I am trying to remove a late payment from my credit report with you all from XX/XX/XXXX. I am trying to buy a house and had identity theft and when I tried to make a payment my bank had a security freeze on my bank account I make payments with I called you guys and you all promised to remove from my credit report and now my lender pulled my credit and said that is the only thing hurting my credit. Can you all remove from my credit report please? I would appreciate it thank you '' and Kohl 's replied this : '' Thank you for contacting Kohl 's regarding the negative reporting on your Credit Report. I understand that your credit is very important. At this time we are unable to accommodate your request. It is important for Kohl 's to report accurate information to the Credit Bureaus. If you feel the payment delay was due to Kohl 's error, please fax or mail a detailed explanation of the issue to XXXX, Kohl 's Credit, XXXX XXXX XXXX, XXXX, WI XXXX. Also include any documents that may aid in our review. Please include your full name, address and phone number as it appears on your account. If you wish to further pursue this dispute, you will need to send your dispute directly to the Credit Bureaus. The addresses are : XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, GA XXXX, and XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, PA XXXX. We appreciate the time you took to contact us and look forward to serving you again. ''
Consumer complaint received 2022-08-31
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: ALLY FINANCIAL INC. (MS)

My rights to privacy were infringed upon pursuant to 1681 ( a ) ( 4 ) Also, I never have permissible purpose or written instruction 15usc 1681b ( a ) ( 2 )
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. (IL)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my tXXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE
Consumer complaint received 2022-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (GA)

Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, XXXX, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX and autograph as the XXXX XXXX XXXX in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Truth in Lending Act protects the natural person against inaccurate and unfair credit billing and credit card practices. 
Fact, the Truth In Lending Act XXXX finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose, to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. 
Notice, it is a fact, affiant is aware, 15 U.S.Code 1637 ( b ) ( 2 ) ( A ) refers to a request to resolve a billing error, by providing all documentary evidence for clarification of who funded the account. Until that request is done XXXX XXXXXXXX can not report late payments in accordance with regulations of the Bureau,12 CFR 1026.13 ( d ) ( 3 ). If XXXX XXXX reports late payments without meeting the requirements under 15 U.S.Code 1637 ( b ) this is a violation of 15 U.S.Code 1666b and all late payments reported associated with the account numbers XXXX Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge
Consumer complaint received 2020-02-23
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. (NC)

My student loan servicer XXXX is practicing deceptive practices to me as a borrower. I show seven late payments marked ninety days late back in XX/XX/2017. At that time i applied for a forbearance even have proof of that my loans were in fact in forbearance. Its not fair to me as a consumer that my credit report doesn't reflect the forbearance anywhere. By law the proof i have is a legal document from XXXX and should be honored as one. This has in-turn ruined my financial history and has caused me hardship severely from all entities included in. This could be so simple as to update my credit report showing all forbearance 's accurately and immediately. This is an unfair practice because i have used my forbearance time that i was entitled to and also charged interest for and still my credit reports do not match my forbearance history.
Consumer complaint received 2022-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

All three credit bureaus have dismissed my disputes in the past and requests for validation, the documents attached prove XXXX XXXX XXXX has not validated, but perjured themselves. I demand these accounts by XXXX XXXX XXXX be deleted immediately. See attached documents for supporting evidence.
Consumer complaint received 2022-08-31
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. (NC)

All three credit bureaus have dismissed my disputes in the past and requests for validation, the documents attached prove XXXX XXXX XXXX has not validated, but perjured themselves. I demand these accounts by XXXX XXXX XXXX be deleted immediately. 

See attached documents for supporting evidence.
Consumer complaint received 2022-02-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (OH)

I was a struggling XXXX XXXX XXXX when I was working on my XXXX XXXX. When I graduated I knew I was interested in the PSLF program. I reached out to my current loans and consolidated with FedLoan Servicing in 2012. I was really struggling financially to pay bills, feed my family, etc so I reached out and asked about my options and told them I HAD TO CONTINUE getting credit toward my 120 payments. I was advised to take an economic hardship and that it would count toward the 120 qualifying payments. I was told by MULTIPLE workers at FedLoan and therefore wasted years of time as they are now saying it doesnt count. I am begging for the DOE and FedLoan to count those payments, so many of us are counting on them. We were lied to. We were told wrong information numerous times. We were misled. We will now be putting our family in yet another financial hardship because of these lies. I have stayed with my non-profit company BECAUSE of the PSLF program and now I am back to square one. Please make them do what is right and what they said to all of us from the beginning. Thank you.
Consumer complaint received 2022-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

i received a text alert that told me of a Credit breach. to see my real time score click here. link is for " XXXX XXXX' It requested information such as social security number, birthday, driver 's license information.
Consumer complaint received 2020-02-23
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Caneel Capital, LLC (IL)

Recently received a letter from my mortgage company XXXX, saying that Trinity Financial Services LLC is attempting to authorize themselves on our mortgage account. I didnt know what this company was and started looking into it. I found that they filed a foreclosure against us as too. I never heard of this company before and never applied or gotten any loans from them. I havent received any communications before them filling the case either or even the service of lawsuit. I filed a police report and sent Trinity Financial cease and desist letter from attempting to access my information that they are not entitled to. Today I received another letter from XXXX  that another request for third party authorization was sent to them by Trinity Financial Services again. It seems that this company has my private information and is using it for fraudulent purpose. It seems that they are ignoring all the rules and continuing to attempt to get the information. In summer of 2019 I had some charges assessed on my XXXX  mortgage account. When I called them to ask about it, they told me that it was the charge for the payoff. I have never ordered the payoff. I have requested a copy of it. The form that XXXX  sent me had a phone number listed under the requestor. When I searched that number, it came back as the number registered to Trinity Financial Services. This company seems to employ illegal methods to steal my house. Please help.
Consumer complaint received 2022-08-31
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. (GA)

Department of edXXXX XXXX ACCT # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX ACCT # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX 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 a account without my written instructions
Consumer complaint received 2022-04-14
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Law Offices of Robert A. Schuerger Co., LPA (OH)

Old debt from XXXX XXXX XXXX that was sold to Law Offices of Robert A. Schuerger Co. , LPA XXXX XXXX XXXX XXXX, Ohio XXXX WWW.SCHUERGERLAW.COM. 
The debt started off at {$900.00}. Since these sold the debt its more than tripled to XXXX dollars. Theyve already taking my state taxes and now theyre talking wag garnishment. 
I reached out willing to pay the original debt of XXXX that was already written off by XXXX XXXX XXXX. But the debt collectors who purchased the debt are getting greedy.
Consumer complaint received 2022-04-14
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Law Office of Harris & Zide (CA)

XXXX XXXX  XXXX Credit Card company feels that we owe them XXXX and we closed the card explained that the pandemic hit my family quite hard. The are not in my state but now have hired a debt collection agency called The Law Offices of Harris and Zide. They sent a demanding letter say we owe XXXX. They have options on this letter to dispute it but there is nothing to dispute. They can't harrass me the way they are.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2022-08-31
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (WI)

We applied for a government loan modification and because they approved a repayment plan we were denied for the loan. The repayment plan is way beyond our means requesting a monthly payment of {$990.00} plus additional payment of {$860.00}. Mr. Cooper ( We fell behind with payments during my husband 's XXXX XXXX and recovery ) I requested a copy of the check that they actually paid for said property. Instead I was resent all Mortgage Paperwork. I have given them until XXXX XXXX to produce this copy of the check. We are maintaining that the repayment plan and mortgage itself used misleading or unethical tactics to persuade us to take out a loan not in our best interest. 

We are seniors age XXXX & XXXX. We live mainly on Social Security Income. I am sending a letter of appeal to them by Certified Letter.
Consumer complaint received 2022-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (NV)

I cancelled my subscription with Experian premium  services in XXXX and they continued to attempt.to bill me for it even after sending me confirmation i switched to free subscription. In XXXX and XXXX i was disallowed from accessing my report claiming i had to pay XXXX for my subscription. Experian does not allow me to access my info or even open my credit page. It takes me directly to page that demands I update credit info before i will be allowed access. I never signed up for another paid service after switching to their free plan I feel forced to pay for something i never ordered
Consumer complaint received 2022-08-31
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

On Tuesday, XX/XX/XXXX, I deposited a check in my business account at Bank of America in XXXX XXXX, NC. I went inside the brick and mortar building. I tried to cash a check but I was told it would have to be deposited and I could get cash on Wednesday, XX/XX/XXXX. I asked the teller would there be a hold and she stated no there will not be a hold. This was at XXXX XXXX. At XXXX XXXX. I received an email stating that there would be a 10 day hold on the check. I would not have deposited the check if I had known there would be hold. I went to the back and they said it is nothing they can do because my account is so new. They cased the same check in XXXX. I called Bank of America and was told it is nothing they can do and that they can put holds as they see fit. This has caused my mortgage, car payment, and over XXXX of payments to bounce because I am not able to access money that I have earned. I don't know how I am going to recover from this but it is not fair. I could see if the business that wrote me the check was new but it is a school. I am education consultant. Bank of America could have released this hold but refused.
Consumer complaint received 2022-04-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MRS BPO, LLC (TN)

This charge for the XXXX $ past due as of XX/XX/2020, was REMOVED for fraud, not once but twice and its effecting my credit score. I am exhausted with dealing with this. This needs to be REMOVED completely. I have contacted the company the same 2 times and they charged it off but WHY does it keep coming back!
Consumer complaint received 2017-09-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (GA)

I was shocked when I reviewed my credit report and found late payment on several dates. 
XX/XX/XXXX 30 days late, XX/XX/XXXX 60 days late, NXX/XX/XXXX 90 days late, on XX/XX/XXXX 120 days late XX/XX/XXXX 120 days late. This is alarming and I am not sure how this happened, I went to a period where I had to refinance but I believe that all payments were made on a timely matter when I received my statements each month. This is not accurate and would request a full investigation to verify the information and refund on all late fees assessed on my account. I have contacted US Bank in writing twice already but have not gotten any response regarding this. I know my rights and according to the FDCPA laws that is more than the allowed time period needed to resolve my issue. Please help
Consumer complaint received 2016-03-24
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have disputed a lien with Transunion for the amount of XXXX the lien has been paid off and I received a lien release and forward it by fax to Transunion . Transunion updated the lien as paid but did n't erase it from my credit. I was told by XXXX who placed the lien it would be removed from my credit. I told Transunion the same thing and they still wont delete it.
Consumer complaint received 2022-04-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Choice Recovery, Inc. (OH)

Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On XXXX, XXXX, Attorney General and FTC
Consumer complaint received 2022-08-31
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AmeriCollect (FL)

To AMERICOLLECT : YOU ARE BREAKING THE LAW! 

This is a warning notice to the alleged wrongdoer of such debt : which you are a debt collector because you are simply attempting to collect a debt. Well multiple alleged debts. I noticed I have been violated pursuant to the FDCPA ( Fair Debt Collection Practices Act ). There is evidence of the use of abusive, deceptive and unfair debt collection practices. 

Until you can provide me with documentation stating that I gave you, Americollect my authorization and request to release my personal and medical information/records, i demand that you block and cease collections on the following accounts from my consumer report. 

-Americollect XXXX {$1.00}, {$1000.00}, {$710.00}, {$720.00}, {$150.00}, {$62.00}, {$110.00}, {$460.00} These violations have caused numerous injuries to my life. Under the Health Insurance Portability Accountability Act of 1996 ( HIPAA ), I reserve the right to private, personal and medical records from all third party reporting agencies and collection agencies. 

According to 15 USC 1692c ( c ) ( XXXX ) I am involving my specified remedies as a consumer and I am demanding all of the following : Provide proof of a contract between Americollect and I Stop all negative reporting scribing to all consumer reporting agencies Remove and block all negative reporting activity Zero out balance Remove any late payment reports Need a Full audit trail For each violation I would like to be compensated {$1000.00} You are civilly liable. If I dont receive a response that will result in additional violation to the FDCPA. 

This letter is a request for validation and remedy for violations continuing to report this medical debt without properly validating and providing me proof of permission is a validation of the FCRA ( Fair Credit Reporting Act ). 

You have 15 days to respond to this request or this alleged debt will be considered invalid and the demand for removal from reporting to the credit reporting agencies will be required! 

Best regards : Done in good faith. Without prejudice. All natural inalienable rights reserved. 
XXXX : XXXX