davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-02
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Monterey Financial Services LLC (MO)

I called the company on XX/XX/2018 to work out payment arrangements. After finding out the original creditor went out of business and merged with Monterrey Collection SVC I call to work out a payment plan. After going through the verification process they told me my agent was a woman named XXXX. After speaking with XXXX I informed her that I could make a payment of {$50.00} and start to make monthly payments to satisfy the debt. She informed me that they could not make payment arrangements or partial payments and the debt needed to be satisfied in full or she would turn me over to her legal team and that it could have negative impact to my credit. She then stated that they would need to do an asset verification on me to see where they could transfer the debt to another one of my accounts that has nothing to do with this debt. At this time I got off the phone with the lady, due to the statements she was making.
Consumer complaint received 2022-06-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2023-02-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: U.S. BANCORP (CA)

Debt Collection {$9500.00} paid to XXXX XXXX XXXX File # XXXX XXXX sent XXXX XXXX XXXX XXXX check via certified mail. 

XXXX Funds were received and check cleared by XXXX XXXX XXXX XXXX Received letter saying check was returned by our bank unpaid. Any arrangements that we may have with you to withhold the next step in the Kegan process were breached by sending us a dishonored check. Unless we receive a replacement payment, ee may proceed with legal action. 

XXXX XXXX from XXXX XXXX XXXXXXXX Enclosed cashier 's check ( possible copy ) with multiple dated stamps and handwriting " XXXX ''. 

XXXX I, XXXX XXXX, contact XXXX XXXX XXXX. They say the funds were in-fact sent to the debt collector XXXX XXXX XXXX and will send my a copy of proof. 

XXXX I, XXXX XXXX, call XXXX XXXX XXXX XXXX XXXX XXXX They decline to be recorded after I grant my permission to them and refuse to talk via telephone. 

XXXX XXXX XXXX XXXX XXXX XXXX, representing XXXX XXXX XXXX, is committing mail fraud and an attempt to receive multiple payments for debt already paid for and deducted from my account a month after receiving payment.
Consumer complaint received 2022-08-26
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. (GA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-02-17
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

XXXXXXXX XXXX XXXXXXXX / XXXX days late in XX/XX/2020 XXXX XXXX XXXX / XXXX days late in XXXX XXXX XXXX XXXX XXXX  XXXX - XXXX of billing errors ( XXXX ) Billing error For the purpose of this section, A a billing error consists of any of the following : ( XXXX ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement. 
( XXXX ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. 
( XXXX ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. 
( XXXX ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( XXXX ) A computation error or similar error of an accounting nature of the creditor on a statement. 
( XXXX ) Failure to transmit the statement required under section XXXX ( XXXX  ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than XXXX days before the end of the billing cycle for which the statement is required. 
( XXXX ) Any other error described in regulations of the Bureau.
Consumer complaint received 2022-06-16
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. (CT)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX for 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 2023-03-13
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: Atlanticus Services Corporation (GA)

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 plan as late for any purpose.
Consumer complaint received 2020-07-27
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (OR)

I am a cosigner on a student loan for my nephew. He seems to have stopped making any payments on his loan. 
I have contacted him, but have been ignored. Now he has changed his phone number and I have no way to contact him. 
I received notice on XX/XX/XXXX that the loan was past due but it wasn't too late to bring my loan current. I was struggling to make ends meet at the time due to impact of COVID-19 on my employment. 
But I managed to make a payment on XX/XX/XXXX. 
I then called and did a restructuring forbearance of the loan with automatic withdrawals from my checking account. The subsequent monthly payments have been on time. 

But, then I get my credit report and see that the loan was reported as late to the credit bureau on XX/XX/XXXX. This was almost 2 weeks before the email I received on XX/XX/XXXX that stated the loan was past due but it wasn't too late to bring my loan current. 
Had I been notified that the loan was being reported, I would have called immediately to discuss any possible option with Navient. 
I have asked Navient to request removal of the report to the credit agencies, but they refuse. I am working with them and they are receiving the monthly payments, but they are not treating me fairly when I wasn't notified that the loan was being sent to the credit bureau.
Consumer complaint received 2020-07-27
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. (TX)

I have a late payment on XXXX credit card. This payment was reported late in XX/XX/XXXX. XXXX extended me an extension because of the Corona Virus. 

Overview You're currently using 86 % of your account 's limit. 
Balance {$3800.00} Credit limit {$4500.00} Minimum monthly payment {$78.00} Opened XX/XX/XXXX ( 3 yrs, 9 mos )
Consumer complaint received 2022-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX for 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 2022-02-17
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. (AZ)

I sent letters to the Credit Bureaus to remove the inaccurate information that are found on my report. But still those inaccurate information are constantly reporting on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING INCORRECT INFORMATION COMPLETELY FROM MY CREDIT REPORT : Personal Information PREVIOUS ADDRESS : XXXXXX/XX/XXXXDate Updated : XX/XX/2016
Consumer complaint received 2024-03-21
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY (WA)

Starting in XXXX we have been requesting to get additional state SCRA benefits added to all XXXX of our accounts. I am from a KP state OHIO my Home of record ohio and is reflected on my enlistment contract from XX/XX/XXXX. 
We have applied many times and each time they have denied us or asking for more documents which we have provided. we have provided all documents they have asked for AND more than enough to qualify us for the SCRA. american express is the only company that has denied us and given us so much push back. They are denying us Illegally. 
I summited ALL documents through secure messaging on my account Including my enlistment contract showing i enlisted in OHIO, my marriage cert so they can add my wifes accounts, OHIO utility bills, OHIO taxes that i pay thats in my name, my current orders showing im in the military still! this process should not be this difficult for the men and women who serve. AMEX is the ONLY Credit company that has been this hard to deal with. every other company has SCRA departments and approves within a couple weeks. You cant talk to anyone at american express in the SCRA department, so many things get miss handle which makes the costumer suffer. we have XXXX accounts with amex and have had them for many years, we spend a lot of money on their account and im at a point i will cancel my cards if this does not get resolved ASAP! 
OHIO state law for SCRA is refunding the interest before during and after service and lowering the interest rates.
Consumer complaint received 2022-06-16
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CA)

Community Loan LLC took over my mortgage from a transfer on XX/XX/XXXX from XXXX XXXX XXXX. My mortgage was in active forbearance and was current prior to this, no late payments or delinquent status. Upon the transfer, Community Loan marked my credit report for this account as currently 120-149 days past due. They then transferred my mortgage back to XXXX XXXX XX/XX/XXXX. XXXX XXXX then also began reporting my account as 120-149 days late but upon my dispute, XXXX XXXX corrected the error within hours. Community Loan confirmed the information was correct when I disputed with them. They refuse to remove the inaccurate mark of my account being past due. This is costing my dearly and causing me to be denied for lending.
Consumer complaint received 2022-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

I have never lived at the following XXXX XXXX XXXX XXXX pa XXXX XXXX XXXX XXXX XXXX XXXX pa XXXX XXXX XXXX XXXX pa XXXX Please remove the following I have disputed with XXXX XXXX and Experian and they update as accurate please remove.
Consumer complaint received 2022-06-16
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. (CT)

In accordance with the Fair Credit Reporting act XXXX XXXX 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 2022-02-17
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

hi im just making a follow-up on the dispute letter that I sent on XX/XX/2022. its been over a month no, I thought I would get a response from your company after 30 to 45 days but it seems like you didn't take it seriously. Please reinvestigate the information listed on that letter and remove the negative items, I was also informed that if I don't get a response from you w/in that period, the listed information on the letters must be deleted. I will await for your response.
Consumer complaint received 2020-07-27
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: Experian Information Solutions Inc. (AR)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report as soon as possible. I have already taken action to prevent anyone else to try and open anything under my social security.
Consumer complaint received 2022-06-16
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. (CT)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX for 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 2022-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX for 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 2020-07-27
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. (AR)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report as soon as possible. I have already taken action to prevent anyone else to try and open anything under my social security.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX LexisNexis Risk Solutions Consumer Center Attn : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To Whom It May Concern, I am requesting the immediate unfreezing of my credit file. 

My name is XXXX XXXX My current address is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The last of digits of my Social Number is XXXX My date of birth is on XX/XX/XXXX I have enclosed photocopies of a government-issued identity card AND proof of residence as a utility bill or phone bill. 
Attached is the required documentation. 

I acknowledge the terms and conditions of the Bureau and we agree to abide by the same including any amendments in the future as may be done at your end.

I am looking forward to your cooperation regarding this matter and updating the same intimate upon change. 


Yours truly, XXXX XXXX
Consumer complaint received 2022-02-17
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. (FL)

My request for the correction and removal of the erroneous information about my accounts has been diligently neglected by TransUnion Credit Bureau. I sent letters to TransUnion Credit Bureau dated XX/XX/XXXX. As I reviewed my updated credit report for TransUnion, the inaccurate information about my accounts is still on my reports. TransUnion Credit Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. Below are the accounts that are still reporting on my account XXXX XXXX XXXX XXXX ***** Opened Date XXXX XXXX, XXXX Balance {$0.00} XXXX ***** Opened Date XX/XX/XXXX Balance {$320.00} XXXX XXXX ***** Opened Date XX/XX/XXXX Balance {$1200.00} XXXX ***** Opened Date XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ***** Opened Date XX/XX/XXXX Balance {$82.00} XXXX XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX ) ***** Opened Date XX/XX/XXXX Balance {$50.00} XXXX XXXX XXXX XXXX  ( XXXX XXXXXXXX XXXX  XXXX ) ***** Opened Date XX/XX/XXXX Balance {$50.00} ''
Consumer complaint received 2018-12-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: RentDebt Automated Collections, LLC (GA)

Upon pulling my personal credit reports I noticed an entry from Rent Debt Automated Collections for a total of XXXX. The alleged debt was placed on my XXXX, XXXX, and XXXX reports because Rent Debt is claiming that I owe XXXX to XXXX XXXX XXXX XXXX  of XXXX XXXX GA. I have maintained open communication with XXXX XXXX XXXX XXXX and I have been made aware that their office has no record of me owing a past due balance. I have submitted a dispute to Rent Debt Automated Collections through each credit bureau ( XXXX, XXXX XXXX, and XXXX   ), and each dispute has returned stating that the alleged debt for account number XXXX for XXXX has been verified as being valid. I am very confused as how this debt was verified as belonging to me and I have since spoke with the manage from XXXX XXXX XXXX of XXXX XXXX who informed me that they show my account as being closed with a XXXX balance.
Consumer complaint received 2018-05-02
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: SLM CORPORATION (PA)

I have received multiple calls and voicemails from XXXX XXXX concerning my payments. While I am behind, I am still making consistent payments of at least the minimum required monthly amount and typically more than the minimum to catch up on the loan. I have repeatedly asked the company to not contact me during my working hours which are typically XXXX to nearly XXXX XXXX. I continue to be harassed by calls during these times and have been questioned by my boss as to why I am answering my personal cell phone during work hours. Many of these calls are occurring during meetings and cause a disturbance if I happen to not have my phone on silent. XXXX XXXX records all calls and should have it documented that I have requested this and I have voicemails and documentation of the calls that I have received during business hours. 

They have also not offered any viable solution to help bring my account current or reduce interest rate/minimum monthly payments to help me afford the payments. A very predatory company overall
Consumer complaint received 2022-06-16
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: EQUIFAX, INC. (FL)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.