davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

In accordance with the fair credit Reporting act XXXX XXXX, has 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 a account without my written instructions.

15 U.S. Code 1681a - Definitions ; rules of construction - Exclusions.-Except as provided in paragraph the term " consumer report '' does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 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 purpose.
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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have reached out to these XXXX companies numerous times regarding fraudulent information on my credit report and enough is enough. They want you to mail stuff in I have, kept the receipts, everytthing and to of course, no surprise I have yet to receieve a response. My next step is to sue under the violation of the FCRA act as well as for defamation of character, loss and trauma.
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 INFORMATION and INQUIRIES COMPLETELY FROM MY CREDIT REPORT : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX EMPLOYER : XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX Date Updated : XX/XX/XXXX Inquiries XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX
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. (GA)

In accordance with the Fair Credit Reporting act the following XXXX  Accounts has violated my rights : XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$250.00} ) XXXX XXXX ( Opened XX/XX/XXXX. {$500.00} ) XXXX XXXX XXXX ( Opened XX/XX/XXXX. {$790.00} ) XXXX XXXX XXXX ( Opened XX/XX/XXXX. {$890.00} ) 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 States a consumer reporting agency can not furnish an 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 — Information belongs to someone else
Company: Experian Information Solutions Inc. (MD)

I have reached out to these XXXX companies numerous times regarding fraudulent information on my credit report and enough is enough. They want you to mail stuff in I have, kept the receipts, everytthing and to of course, no surprise I have yet to receieve a response. My next step is to sue under the violation of the FCRA act as well as for defamation of character, loss and trauma.
Consumer complaint received 2024-03-20
Product: Debt collection — Rental debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: T.S. Holdings (AZ)

Dear XXXX on credit report - Date of First Delinquency : XX/XX/year> - Current Status : open as collection - Amount : {$630.00} I have no record of any financial dealings with IQ DATA INTERNATIONAL and PROGRESSIVE MGMT SYSTE, and I believe that this entry is inaccurate. As a responsible consumer, it is crucial for me to maintain an accurate credit history, and this discrepancy is causing significant concern.

Please provide written confirmation once the removal is complete and inform me of any actions taken. I understand that, under the Fair Credit Reporting Act, you are requiredI am writing to dispute two accounts that appear on my credit report. After reviewing my credit report, I have identified the accounts listed under IQ DATA INTERNATIONAL and PROGRESSIVE MGMT SYSTE that I have no knowledge of, and I request these two accounts to be removed from my account, because I do not have and I havent had any business with IQ DATA INTERNATIONAL and PROGRESSIVE MGMT SYSTE. I called to dispute these two accounts but it seems that nothing has been done.

Details of the disputed account : - Creditor 's Name : IQ DATA INTERNATIONAL - Account Number : No Account Number on credit report - Date of First Delinquency : XX/XX/year> - Current Status : open as collection - Amount : {$2800.00} Details of the disputed account : - Creditor 's Name : XXXX XXXX XXXX - Account Number : No Account Number to investigate my dispute within 30 days of receiving this letter. 

Thank you for your prompt attention to this matter. I look forward to your timely resolution of this dispute.
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. (GA)

In accordance with the Fair Credit Reporting act the following XXXX  Accounts has violated my rights : XXXX XXXX XXXX ( Opened XX/XX/XXXX {$250.00} ) XXXX XXXX  ( Opened XX/XX/XXXX. {$500.00} ) XXXX XXXX XXXX ( Opened XX/XX/XXXX. {$790.00} ) XXXX XXXX XXXX ( Opened XX/XX/XXXX. {$890.00} ) 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 States a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-10-29
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: Choice Money Transfer, Inc. (NY)

I made a money transfer to XXXX, at the XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX, XXXX NY XXXX- I sent the money through the company https : XXXX/www.smallworldfs.com/en. - CHOICE MONEY TRANSFER and other fees appear on my invoice, They are applying EXTRAS FEE in this store, abusing consumers. 

I read in the newspapers the fine applied on XX/XX/2022 for the same practice, but https : //www.smallworldfs.com/en CHOICE MONEY TRANSFERS. They have totally ignored the law. 

As a consumer I feel robbed in this store.! 

please help.!
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: EQUIFAX, INC. (GA)

My name is XXXX XXXX XXXX, Back in XXXX of 2021 I requested that all 3 bureaus Validate and Verify a Bankruptcy that was showing on my credit reports, they verified it as accurate and that the information was supplied by the courts. Well I reached out to the courts and the courts denied that fact that they supply anything to any 3rd party such as credit bureaus, so I ask ... ..how did the Bureaus validate this Fraudulent Bankruptcy? I demand that it is removed immediately because it inaccurate and unverifiable and the bureaus lied about them verifying the information with the courts.
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. (GA)

My name is XXXX XXXX XXXX, Back in XXXX of XXXX I requested that all XXXX bureaus Validate and Verify a Bankruptcy that was showing on my credit reports, they verified it as accurate and that the information was supplied by the courts. Well I reached out to the courts and the courts denied that fact that they supply anything to any 3rd party such as credit bureaus, so I ask ... ..how did the Bureaus validate this Fraudulent Bankruptcy? I demand that it is removed immediately because it inaccurate and unverifiable and the bureaus lied about them verifying the information with the courts.
Consumer complaint received 2022-07-22
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NC)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2024-03-20
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: Incomm Holdings Inc. (TX)

On XXXX I tried reloading my XXXX balance with the {$100.00} Vanilla Gift Card I purchased at XXXX for {$4.00} the same day. I had several issues with it and could not use it. This was after attempting to use it for my initial purpose to pay my insurance, which was also denied. I confirmed that the balance was {$100.00} on their website. I tried contacting customer service and getting more information, but the phone number has no option to speak to a representative and offered no help. Their website FAQ was also no help. Searching forums revealed others having similar problems. I tried their fixes, including entering my name as " Gift Card '' to no avail. The terms clearly state that it will work anywhere visa debit cards are accepted and this is not true.
Consumer complaint received 2023-01-19
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. (OH)

I have an inquiry from XXXX XXXX XXXX and XXXXXXXX XXXX on XX/XX/2022 that is not mine on my credit report. My credit report also shows an account opened through XXXX XXXX XXXX XXXX XX/XX/2022. The balance is {$0.00}. I have not been able to get in touch with anyone XXXX XXXX XXXX XXXX XXXX open account. In addition to these findings on my credit report, on XX/XX/2022, there was an account fraudulently opened through XXXX credit card. I was able to get in contact with XXXX credit and they have closed the account. I need all these accounts removed from my credit report.
Consumer complaint received 2022-01-14
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: ALLY FINANCIAL INC. (AZ)

Under 15 usc 1681n ( b ) Civil liability for knowing noncompliance, They have used my credit card and the inquiry is a receipt of the transaction that took place. I did not authorize this transaction 15 usc 1681a Exclusions.. 15 usc 1681a ( 4 ) infringed upon my right to privacy
Consumer complaint received 2020-07-27
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CA)

My loan was sold from XXXX XXXX after I applied for a loan modification to SLS XXXX XXXX. I was told by a phone call to XXXX XXXX that nothing would change with my loan. Attached you will find the letter that was sent by XXXX XXXX where in paragraph # 2 states " rest assured, this transfer does not affect any terms or conditions of your mortgage other than those directly related to the servicing of your loan, SUCH AS WHERE YOU SEND YOUR PAYMENTS. '' XX/XX/XXXX I checked online ( my account is paperless ) and I noticed there was a different amount than what I was told. I further saw fees being assessed in the amount of {$25.00}. I called and I was told that SLS charges {$25.00} every time someone checks your account for the balance. I asked if I could refute these charges and that XXXX XXXX never charged those fees and I was told my loan would not change when it was switched. I was advised that I could send a letter to refute the charges. 
I sent and faxed a letter XX/XX/XXXX ( letter attached that was sent ). XX/XX/XXXX I was sent a letter stating a correspondence was sent to the wrong place. I sent it again to the new address. 
I have never received a response. I called XX/XX/XXXX and requested a call back. Noone ever called back I called XX/XX/XXXX and they advised me my request was denied. I checked the website and there is no denial letter in my documents nor did I receive one via mail. 
I now received a letter that someone has been assigned to my account due to being behind. I am not behind and I am current. SLS should not be able to charge me due to XXXX XXXX did not charge me. I would also like my due date changed back to the date it was with XXXX XXXX. 
1. XXXX XXXX said there would be no changes 2. the due date is the XXXX  now and was the XXXX with XXXX XXXX 3 . I would like all fees removed XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
4. They have refused to modify my loan, take a short payoff, or refinance. I offered them the amount of the loan I purchased it for in XXXX and they refused. Document attached showing they denied the short pay off.
Consumer complaint received 2024-03-19
Product: Student loan — Private student loan
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: SLM CORPORATION (CA)

My student loans went into repayment in XXXX, 2023 and the company ( Sallie Mae ) reported them delinquent to my credit report the month prior to them being due, in XX/XX/year>. They then proceeded to tell me there was nothing they could do, I would have to write a letter to their credit department which would take 60 days minimum for them to reply back. I am now unable to refinance and consolidate my loans due to this incorrect reporting to my credit. I need it fixed NOW.
Consumer complaint received 2022-02-17
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: U.S. BANCORP (WA)

After submitting a complaint with cfpb about the automated harassment emails and calls -- from numbers ( XXXX ) XXXX, ( XXXX ) XXXX, and ( XXXX ) XXXX -- I received a response through you all in which US Bank described that activity the following way : -- - " During a deferment, collection practices and monthly mortgage statements are still issued with the intended reason to keep the customer informed. Notices can be computer generated and during the forbearance process, our system of record is not updated until the deferment is completed. If you have any specific notice or statement about which you would like further clarity, you may contact the XXXX department or the XXXX XXXX XXXX for further research. '' " Please accept our apology for any frustration you experienced with the customer service provided. We strive to provide superior service and we regret if you feel that we fell short in this instance. '' -- - Now, my statement on the app has XXXX transactions, reflecting a transfer of {$2000.00} from XXXX XXXX XXXX that is back-dated to XX/XX/XXXX, moving from one principal balance ( with a higher rate, as if they were doing me a favor ), to a principal balance to a lower rate. The transaction does not appear on any statement I have, and it appears they say the transaction happened in XXXX, when I still had electronic statements ( conveniently ). But the account has payments dating from XX/XX/XXXX and XXXX of XXXX, and those principal balances do not even show any interest having accrued on the amount that was " transferred '' in XX/XX/XXXX -- it's clear they robbed me of {$2000.00} and used the apparent lack of statement records available online ( I do keep paper copies ) to hide the evidence, with a backdated transaction that generated no interest at all over XXXX months.
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: EQUIFAX, 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 INFORMATION and INQUIRIES COMPLETELY FROM MY CREDIT REPORT : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, AZ XXXX Inquiries XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX
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: EQUIFAX, INC. (FL)

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report
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. (NY)

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report
Consumer complaint received 2022-06-16
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: VANDYK MORTGAGE CORPORATION (GA)

On XX/XX/2022, I received a visit from XXXX XXXX of the XXXX XXXX Inspection division. He proceeded to tell me that no one is authorized to live in the house ( I moved into the house XX/XX/2022 after closing ) at XXXX XXXX XXXX XXXX due to the failure of the builder to obtain the required certificate of occupancy. He proceeded to tell me that there are foundation issues with the house and that they were never repaired. A final inspection was to be done after the repairs were completed. XXXX XXXX was never contacted. 
I paid Van Dyke {$9100.00} to process my loan and make sure everything was clear for me to purchase the home. I also paid XXXX {$120000.00} as a down payment. I learned from the inspector that the house has foundation issues ; I would never have bought this house if I had known about this. 
I was told by the lender, XXXX XXXX, that the title company they hired made this error. 
I contend that it is the responsibility of the mortgage company to ensure that my interests are protected and that the necessary documents are submitted for closing. I wish XXXX had scrutinized themselves as much as they scrutinized me, if they had done their job, I would not be in this position today. Im XXXX XXXX XXXX and should not have been taken advantage of in this way.
Consumer complaint received 2024-03-19
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WI)

I have I bank of America credit card I missed a payment and my credit balance went from {$8000.00} dollars to {$3000.00} dollars my issue with the decrease is my balance is {$2800.00} dollars when my credit limit was {$8000.00} dollars I missed a payment and they didn't drop the limit by half which would have made sense, they dropped to the limit {$200.00} dollars from my balance which could create a more probable situation for my or any one to rack up fees of overages.
Consumer complaint received 2022-02-17
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. (OH)

TRANS UNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ATTN : XXXX XXXX  XXXX RE : XXXX XXXX XXXX  XX/XX/2022 Recently, I, was denied an extension of credit by XXXX XXXX XXXX XXXX XXXX On XX/XX/2022 I applied for a XXXX XXXX account. 

AS you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim in adverse action against a consumer. Pursuant XXXX XXXX XXXX XXXX ( XXXX ) and you assume civil liability pursuant XXXX XXXX XXXX XXXX ( XXXX ). XXXX XXXX XXXX XXXX has violated my federally protected consumer rights : XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Since the letter you sent me dated XX/XX/2022 is both proof and evidence that I have been discriminated against, you are also criminally liable. XXXX XXXX XXXX XXXX should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT. 

Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations.
Consumer complaint received 2018-05-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: ACS Education Services (CA)

I have contacted Conduent Education services many times via e-mail and phone. Their customer service always goes through an automated system, which doesn't allow us to talk to an actual human being. 

Keeps saying I can't login or reister. I've gotten a " service you just requested is temporarily unavailable '' error for days now. I try contacting them and it prompts to enter your SSN and it says my SSN is not registered. 

I emailed them and given them my account number and it keeps saying it doesn't exist. Also that my information doesn't match with my SS, which I provided them I can't even register or call to pay off my loan.
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 — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.