davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and 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 2021-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

Fact, I the affiant is aware that and has proof XXXX, XXXX, and Transunion have violated my consumer rights. I the affiant am being violated by law 15 usc 1681g and 15 usc 1681g ( a ) ( 1 ). On Sunday XX/XX/2021 around XXXX I tried to get my 3 free credit reports, 3 free investigative consumer reports, and 3 free credit files but was denied my request. Also, I have made additional efforts to reach out and send a letter to " ANNUAL CREDIT REPORT '' certified mail and notarized it aswell on XX/XX/2021 around XXXX. I am askingthat you help me with this inconvenience and frustration I'm having receiving my request. Please and thank you very much. 

Email address : XXXX Mailing address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2017-05-29
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. (CA)

I had scholarship with  XXXX  university, earlier this year i looked at my credit report and noticed there has been lots of student loan that appeared in my credit report that were not mine. i immediately filed an identity theft report and also contacted the source that they are reporting these fraudulent account and told them about the account that do not belong to me and requested to be removed from my credit report, and they asked me for a police report which i contacted police department and field a police report as well. as of this time not only they have not send letter to the bureaus and informing them that consumer is disputing these accounts they are refusing to give me any information and they are reporting wrong information to  XXXX  major credit reporting agency and i am here to get help.
Consumer complaint received 2017-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I had scholarship with   XXXX  university , earlier this year i looked at my credit report and noticed there has been lots of student loan that appeared in my credit report that were not mine. i immediately filed an identity theft report and also contacted the source that they are reporting these fraudulent account and told them about the account that do not belong to me and requested to be removed from my credit report, and they asked me for a police report which i contacted police department and field a police report as well. as of this time not only they have not send letter to the bureaus and informing them that consumer is disputing these accounts they are refusing to give me any information and they are reporting wrong information to  XXXX  major credit reporting agency and i am here to get help.
Consumer complaint received 2024-03-07
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: EQUIFAX, INC. (IL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX XXXXXXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :
Consumer complaint received 2023-04-03
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: MOHELA (NJ)

On XX/XX/2023 I contacted Mohela for XXXX at their customer service number XXXX to explain a current financial hardship I am currently experiencing. After reading their website regarding deferment and forbearance options ( XXXX XXXX XXXXXXXX, I called to see what I could qualify for advising the company that I am unable to make the upcoming payments but could resume in the next couple of months. After being asked to provide financial information I was advised that " with XXXX dollars left '' I am not eligible for any assistance. I asked what the eligibility requirements were and if I could qualify for a one time, one month forbearance as detailed on their website and was advised I don't qualify for anything and they don't provide the eligibility requirements. I called back a second time the same day to update my financial information and was informed that I would have too much money and don't qualify. The qualifications and eligibility appear to be completely arbitrary and capricious. After 5 years of positive payment history " Mohela for XXXX '' would rather see my loan go into default that offer any type of assistance even the one month they claim is offered.
Consumer complaint received 2022-11-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

mailed to transunionXXXX  and XXXX asked for a verify/and or validate this alleged debt owed to XXXX. data also requested the contract and signature that I provided to XXXX. Data ( which I never have had any business with this company ), also they are violating many consumer right code, they are violating my consumer right to privacy pursuant to 15 USC 1681 b this company has NO permission to report anything using my personal info pursuant to 15USC 1681 4. Also they are violating the consumer law by adding interest to this alleged debt Consumer rights that are being violated 15 USC 1681 b 15USC 1681 4 fair debt collection practices act, section 80XXXX ( b ) : validating debts b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.
Consumer complaint received 2022-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SAN DIEGO COUNTY CREDIT UNION (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear XXXX : I am writing to request an investigation of the following information that appears on my XXXX XXXX report : Dispute XXXX Account # : XXXX Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : The account with XXXX Bank in question is showing as settled for for less than full value, but I paid the full amount owed. Please update & remove the account now thats its paid in full. 

Enclosures : Copy of credit report with report number XXXX XXXXXXXX Last bill statement from XXXX Bank XXXX XXXX from XXXX Bank XXXX you for your assistance. 
Sincerely, XXXX XXXX
Consumer complaint received 2021-03-08
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)

This account is not mine. I am victim of identity theft and I do not want to see in my credit report information that does not belong to me. I do not know this item and ask you to remove it as soon as possible because its killing my score and report. Thank you for understanding
Consumer complaint received 2021-11-06
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. (CA)

I reached out to Experian after finding a fraudulent account from XXXX XXXX. They haven't removed it even though I told them about it on XX/XX/2021 and again on XX/XX/2021. I am being harrassed illegaly by XXXX and I want this to stop. This has not only damaged my financial character, but is causing unnecessary XXXX.
Consumer complaint received 2022-10-18
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kohn Law Firm S.C. (WI)

These were personal loans that were taken tout years ago. My mom was the co-signer on them and she has now been deceased for almost ten years. I have paid faithfully for the last 5 years of over {$30000.00}. Im asking that these two debts be forgiven or discharged because I struggle financially struggle every month making the {$500.00} payment along with my other expenses. Especially when XXXX hit. It seems to be a roller coaster trying to make ends meet. Where I work was greatly impacted by the pandemic. Business has been up and down for the last couple of years. PLEASE FORGIVE ME OF THESE TWO DEBTS.
Consumer complaint received 2019-06-27
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Penn Credit Corporation (ME)

Penn Credit Cor phone numberXXXX.Continues two Robotic call me regarding a debt I have nothing to do with or Know about.They call all different times of Day.I 'm physically XXXX with mobility problems.THANK-YOU for helping these annoying calls.
Consumer complaint received 2018-06-20
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 sent a letter in 4 months ago on XX/XX/2018 and I havent received any response through mail nor email. I take it that there isnt any original contract documents on me for the credit card account with XXXX XXXX with an outstanding amount of {$1800.00} and the inquiries listed on Equifax, XXXX, XXXX. I have never given anyone any consent to inquiry inquiries on my credit file and this seems to be fraudulent and erroneous. I have attached a letter that I would love for you to carefully read. This is my third attempt since last year and this year combined. I hope we come to a resolution and your company completes an internal investigation on the account and inquiries because this seems like its becoming a problem and no one in the department is dealing with this situation or taking this matter serious. I repeat, please dont send me any XXXX XXXX messages stating that the inquiries are factual records nor is the account because I dont have a clue of who they belong to and I have contacted the creditors and havent gotten a response back. Its been more than 30 days for this matter. If this matter isnt resolve by Friday Im seeking legal actions against Equifax, XXXX, XXXX.
Consumer complaint received 2022-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (OK)

I do not recognize these inquiries on my credit report and did not authorize these to be reporting on my consumer report. 

Inquiry : 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 2022-10-18
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (MO)

In the back and forth with Rushmore over what I know to be questionable activity on my account. In the last response to my complaint, Rushmore has claimed that they " used XXXX funds to pay for XXXX and XXXX house payments which is a LIE ... .up to the point that Rushmore received the funds from XXXX XXXX we did not owe any house payments. They applied the funds they received on XX/XX/XXXX to XXXX payment, and XXXX payment. There was NO reinstatement to it! 

Rushmore continues to say that the nearly {$1600.00} was used because of " corporate advances '' from a XXXX bankruptcy, yet ... they say that it was to " reinstate '' the loan from XXXX? Which is it? It can not be both. 

I want a complete and total breakdown of the charges that was imposed on my account from the bankruptcy in XXXX.
Consumer complaint received 2015-11-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (FL)

Despite having Federal Flood Insurance Specialized Loan Servicing placed forced flood insurance on our house. Since there was a change in the amount of the payment they cancelled our automatic electronic payments. After submitting proof of coverage they removed the forced flood so I asked to have Automatic payments applied again. SLS indicated that it would take more than a month for the electronic payments to be reestablished I made the next month 's payment early, recieved a confermation number and verbal ( recorded ) confirmation that is was completed. SLS mishandled the payment, withdrew the incorrect amount of money and applied the money as principal rather than making the monthly payment as agreed. SLS then claimed the monthly payment was not made, made a report to credit reporting agencies and charged late fees. SLS then failed to honor the electronic payment request for the following month. SLS made false statements regarding the situation to myself and made threatening statements to my wife when she called to inquire about the situation.
Consumer complaint received 2022-12-14
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. (AL)

This is my SECOND request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS XXXX XXXX XXXX XXXX XXXXXXXX, AL XXXXXXXX XXXX XXXX  XXXX XXXX, AL XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$200.00} XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX XXXXXXXX Balance : {$3300.00} XXXX XXXX XXXXXXXX Balance : {$960.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$810.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$5000.00} XXXX XXXX XXXX Balance : {$200.00} XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX XXXXXXXX Balance : {$3300.00} XXXX XXXX XXXXXXXX Balance : {$960.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$810.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$140.00} DEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXXXXXX Balance : {$5000.00} XXXX XXXX XXXX Balance : {$200.00} XXXX XXXX XXXXXXXX Balance : $ XXXX XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXXXXXX Balance : {$960.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX XXXXXXXX Balance : {$1100.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$810.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$140.00} XXXX XXXX
Consumer complaint received 2016-02-05
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (IL)

My loan was modified in 2015. Original loan was {$60000.00} I made several payments bringing it down to under {$58000.00}. Then I ran into problems paying. After a year and a half it was modified. Rolling the interest into loan making it {$87000.00} my new loan basic does not have interest but I am paying down the interest rolled over. My servicer refuses to send me anything reflecting that. After requesting they said they wont.
Consumer complaint received 2019-03-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (CA)

HI THERE, I HAVE CONTACED TO CONVERGENT OUTSOURCI # XXXX. I TOLD THEM IN WRITING THAT THE XXXX XXXX ACCOUNT WAS OPEN DUE TO FRAUDULENT ACTIVITY. I NEED GOVERNMENT HELP
Consumer complaint received 2018-04-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Tormey Bewley Corporation (NM)

I went in for a doctors appointment on XX/XX/2014 I paid {$170.00} which was my co-pay plus I paid a {$20.00} co-pay and then I put another {$27.00} co-pay my insurance paid {$270.00} they are saying that we still owe {$270.00} they refused to take this off of my credit report and when I try to call they are rude and wont listen to what I have to say.
Consumer complaint received 2019-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (UT)

XXXX XXXX XXXX is reporting a debt on my credit file that I do not owe. I paid the total debt off. Last I checked I had no remainder balance. I did not receive phone calls, letters or any notification of any remaining balance. They are in violation of my 30 day right to dispute.
Consumer complaint received 2022-02-02
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: Experian Information Solutions Inc. (PA)

XXXX XXXX XXXX  XXXX {$10000.00} XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX {$0.00} 15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) 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.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) 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.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.
Consumer complaint received 2018-06-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (CO)

On XX/XX/2017, I purchased a trip voucher to XXXX through XXXX XXXX for {$910.00}. A few days following, I had decided to cancel the trip for personal reasons. I contacted XXXX XXXX  to receive a refund and I was told I would not be receiving one. Following this, I contacted Citi Bank, the issuer of my MasterCard credit card, to initiate a dispute. I was in correspondence with them for weeks and provided appropriate documention of my trip cancellation. I was told by several agents of Citi that I would certainly be receiving a refund, so I decided not to worry about the charge for the time being. A few weeks ago, I realized that the charge had not been reversed and my account was accruing interest on it. I emailed Citi once again more documentation of my trip cancellation. Additionally, my sister who had also booked the same thing had her trip 100 % refunded by her credit card company XXXX XXXX without nearly as many issues I had encountered. Anyway, I contacted Citi to get further clarification and was told that I did not respond in adequate time to the dispute though I was not notified adequately that there was a time frame nor was the dispute denied initially. I beleive it is unfair that I am being held accountable for this charge due to the lack of communication, and the fact that I am not receiving any services/products though I have paid nearly a thousand dollars.