davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-15
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. (GA)

You are reporting a collection account that I am unfamiliar with, and I believe that an investigation has not been done because this account is still reporting on my credit report. I do not have an obligation to pay XXXX XXXX anything. The original creditor is XXXX XXXX and the balance I have with them is not what I have record of so I am confused as to why this collection agency is reporting anything to the credit reporting agencies. It is the responsibility of the credit bureaus to make sure that all data furnished is correct and in compliance and they have failed to do so. I am demanding that this account is investigated and removed from my credit report if you are not able to validate this account. I will attach the agreement that was sent to me. There is no mention of having this account sold to a collection agency, and there is no balance referencing what is being reported on my credit report.
Consumer complaint received 2022-12-14
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: Exeter Finance, LLC. (NC)

In accordance with the fair credit reporting act XXXX account # XXXX violated my rights 15 USC 1681 Section 602 states i have the right to privacy 15 USC 1681 Section 604 A section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC 1666B A creditor my not treat a payment on a credit card account under a open end consumer credit plan as late for purpose
Consumer complaint received 2017-05-29
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

I am currently working with a third-party credit repair agency,   XXXX   XXXX    XXXX , by which have any and all phone numbers listed to Portfolio Recovery have been added to a do not call list and any phone calls to me while I am working with  XXXX  puts them in violation.
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am writing a formal complaint against TransUnionor their deceptive practices and failure to remove inaccurate and unverifiable negative accounts from my credit report. The Bureau 's recent order against TransUnion, issued on XX/XX/2023, provides clear evidence of their violations of consumer rights and regulatory requirements. 

According to the Bureau 's findings, TransUnion has engaged in deceptive practices by failing to place or remove security freezes and locks on consumers ' credit reports in a timely manner. This failure has affected tens of thousands of consumers, including vulnerable individuals, for an extended period of time. 

As an affected consumer, I have personally experienced the detrimental effects of TransUnion 's deceptive practices. Despite bringing the inaccurate and unverifiable negative accounts to their attention and requesting their immediate removal, TransUnion has failed to take appropriate action. These negative accounts continue to hinder my ability to obtain credit and secure housing, causing significant financial and personal distress. 

I kindly request the Consumer Financial Protection Bureau to investigate my complaint thoroughly and hold TransUnion accountable for their deceptive practices and failure to rectify the harm caused to consumers. It is imperative that TransUnion promptly removes the inaccurate and unverifiable negative accounts from my credit report. 

I have attached a copy of my previous letter to TransUnion for your reference, outlining the violations committed by TransUnion and my request for removal. I kindly request your assistance in resolving this matter and seeking a fair resolution.
Consumer complaint received 2022-11-08
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. (NY)

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 the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please repair the account below : XXXX XXXX XXXX XXXX
Consumer complaint received 2019-06-27
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: AES/PHEAA (WI)

I ctc what I thought was Fedloan servicing it was in fact Fedloan service. 
I was asked immediately for my ss id and bday, I provided this and was given false hope about XXXX payments, info about my payment history. When I became suspicious I confirmed with Fedloan servicing that this 3rd party was NOT them. I called back asking for any identifying info, to protect my info and be sure that whom I provided my personal and sensitive info to would not misuse it, to which he eventually hung up on me by transferring me for asking too many questions and gave me no info to help. He mentioned cutting corners, and doing things he should not be doing to assist me. he used my XXXX  XXXX situation and single motherhood to endear me. XXXX XXXX : manager : saying this is a over flow line : Contracted dpt : Direct line : 3RD PARTY : SCAM = UNDER WRITERS : Fedloan service *** XXXX 3rd party : contracted XXXX XXXX XXXX Business ID : XXXX PA XXXX REPORT District attorney : Here are my notes Scam? 
XXXX  XXXX XXXX act : Dont qualify for public service Do an assessment off the record to see if this is worth pursuing 180 page app : Pay off loan : 2 payments of 199 Then new payment ( under XXXX ) XXXX= 6 XXXX 12 180 months forg. act forgive what I cant pay Algorithm XXXX Up by XXXX for every easement XXXX : XXXX XXXX XXXX manager : saying this is a over flow line : Contracted dpt : Direct line : 3RD PARTY : SCAM = UNDER WRITERS : Fedloan service XXXX XXXX 3rd party : contracted XXXX XXXX XXXX Business ID : XXXX PA
Consumer complaint received 2016-08-10
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: GLA Collection Company, Inc. (KY)

While reviewing my credit report I discovered GLA Collection has placed a derogatory item on it. They state I owe {$63.00}, however will not provide any proof showing my signature as mandated by law. I have sent them XXXX letters requesting proof and they can provide me what the law mandates. I plan on suing this company if they do not remove all derogatory information on my credit reports.
Consumer complaint received 2023-03-31
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: Self Financial Inc. (MN)

I joined a credit building company last year.CALLED SELF.I was paying {$35.00} dollars a month toward the loan they set up for me to pay in 24 months.In XXXX of last year.Someone working for them was stealing my payments going to them from an automatic payment straight from my bank account to them.Paying the monthly fees and the credit card payments. I filed complaints against them for the theft that was happening last May.It was found in my favor for the theft that was being committed against me.So they closed out my file as COMPLETED, BUT HASN'T RELEASED MY CREDIT FILE TO THE BUREAUS IN 10 months. Leaving me without a credit score for the last 10 months.
Consumer complaint received 2019-06-27
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: National Credit Adjusters, LLC (NY)

I have old debt that is too old to collect on and is no longer on my credit report. I have no collection items on my credit report. The statute of limitations has already passed. I have made no contact with this company at all. I would like them to stop calling me.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Debt Recovery Solutions, LLC (TX)

Discreditor had sent me a bill near the end of XXXX for {$89.00} for medical bill I have sent them a verification letter and have not received anything within the 5 days and it's going on almost 30 days as I've sent them a verification letter certified and I still haven't received anything about this bill
Consumer complaint received 2023-03-31
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (CA)

I can be contacted for my file. We have been undergoing mortgage modification for over a year. During this time, Wells Fargo has consistently lost documents, not had a working my loan tracker, made us fill out multiple applications, change interest rates, make us take PMI despite having over XXXX percent of our loan paid off, undergoing several payment trial despite paying on time, getting my name wrong on the loan documents 3 times ( so that the notary wouldnt notarize and Wells Fargo didnt want to change the name despite their original error ), telling us they needed our marriage license and requesting is 3 times, and on and on. 

Also, during one of the calls to Wells Fargo, I had a representative tell me, she didnt know why people in my country have such a problem with these things, when it came to the incorrect name. I explained that the name Wells Fargo erroneously used was that of my exs and it was bad enough that I was told wells Fargo would fix the deed on closing. Now shes telling me I have to live with a document that the notary wont notarize and to add salt to the wound my ex, SAd me. Yes, I love to have the home I worked for associated with my XXXX ex, and have a worker tell me its an issue with people from my country. 

My husband filed a complaint for that. The supervisor said he listened to the entire call and although she didnt do things by protocol, he didnt hear anything derogatory. He said shed get training as what she did wasnt to standard but it wasnt because of how she spoke to me. What?! 

Then, after all of that, when they finally get the signed paperwork, they say we need to start over.
Consumer complaint received 2019-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have a XXXX XXXX XXXX  Credit Card. I have had this account for over 11 years. It is being properly reported on XXXX. It was properly being reported on Transunion for over 8 years. It dropped off of Transunion about 2 years ago. This has caused me to have a lower credit score on Transunion. I have contacted Transunion and XXXX XXXX XXXX multiple times by phone and mail. I have sent my Transunion report to XXXX XXXX XXXX   verifying that my account is not on my Transunion report. Transunion response is for me to contact XXXX XXXX XXXX  and have them contact Transunion to see what needs to be done to correct the situation. XXXX XXXX XXXX has told me many times it will be corrected. They ask me to resend documentation even though they admit they already have it. The last response by letter states that my account is being reported by them accurately, therefore my credit report can not be changed. So my credit report is wrong and they state it cant be changed??????????????????
Consumer complaint received 2017-05-29
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: EQUIFAX, INC. (IL)

I 've disputed this collections amount because I have no knowledge of the account itself. The bureau investigated and item and status has remained unchanged since my last dispute in  XXXX   2017 .
Consumer complaint received 2016-09-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Transunion is incorrectly reporting a loan account as open with a balance despite being contacted by both me and the creditor, XXXX XXXX XXXX XXXX, and notified that the account is paid and closed. 

I 'm attaching the most recent letter from the creditor that the account is paid and closed.
Consumer complaint received 2023-03-31
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc (TX)

We applied and were granted credit with Affirm for a purchase through XXXX 's XXXX, the vendor for the tile cutting machine we purchased. The loan was initiated on XX/XX/XXXX for the amount of {$2000.00} and first payment due on XX/XX/XXXX. 

When we were discussing the monthly payments and interest rate, we were informed that it was about 16 %, and that we would receive the loan information sheet, listing the loan amount, interest rate and number of monthly payments due via email. 

In an attempt to lower the extremely high 16 % interest rate being charged, we inquired with the representatives of Affirm if we could make additional principal payments each month to pay down the loan sooner than the schedule 12 months and thus lower the total interest payments without penalty, and were informed that this was an option. We never received a statement or email outlining the monthly payments indicating the amount applied to principal and interest, however proceeded to make payments in excess of the minimum payment due, each on or before the due date ( the XXXX of each month ), In addition to the minimum payments, our account was credited a refund in the amount of {$130.00} on XX/XX/XXXX, at which time our monthly payments were not adjusted to reflect the new financed amount to be {$1900.00}. 

I have an amortization spreadsheet documenting each payment and according to our records, our payments should have reduced interest paid, however in actuality we paid {$460.00} instead of the scheduled {$350.00} which represents an increase of 44.71 % of the original amount of {$350.00} ( 74.7 % ). 

We reached out to Affirm and were told that in order to pay this loan off in full we needed to make the additional payment of {$100.00} to avoid future interest payments. At which point we opted to pay the amount to stop these interest payments and file a complaint/review with your bureau. 

I have a list of our payments, and the initial " loan documents '' from Affirm for your review if needed. I am enclosing each email confirmation for payments made to AFFIRM, along with spreadsheets that identify the regular payments, the payment schedule and payments made for the loan without the refund applied, and one with the refund applied.

Important amounts pertaining to this loan : Loan date Original loan amount Modified loan amount due to refund XX/XX/XXXX {$2000.00} {$1900.00} ( returned initiated on XX/XX/XXXX ) Payments were made on the following dates : XX/XX/XXXX {$300.00} XX/XX/XXXX {$250.00} XX/XX/XXXX {$220.00} XX/XX/XXXX $ XXXX XX/XX/XXXX {$250.00} XX/XX/XXXX {$480.00} XX/XX/XXXX {$250.00} XX/XX/XXXX {$250.00} XX/XX/XXXX {$100.00} [ ***= XX/XX/XXXX {$130.00} adjustment for refund made on XX/XX/XXXX ] Overview : We were not credited the interest we are entitled to receive due to paying the loan in 9 months instead of the 12 months, we were not credited the refund amount of {$130.00} ( applied on XX/XX/XXXX ).
Consumer complaint received 2019-06-27
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. (DE)

XXXX  fraud inquiries from XXXX XX/XX/XXXX XXXX XXXX on dates XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX XXXX  XXXX also transunion has fraud inquiries on dayes XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX  and XX/XX/XXXX XXXX  and XX/XX/XXXX XXXX  XXXX and XX/XX/XXXX XXXX XXXX and XX/XX/XXXX XXXX XXXX these all need to be deleted
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing this letter in regards to the fraudulent inquiries on my credit report. These inquiries are all fraudulent and I need these list of inquiries removed from my credit report. Here are the inquiries listed below. I have also attached a FTC report as requested. 

Credit Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-03-15
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Next Door Lending LLC (TN)

On XXXX I began receiving unwanted text solicitations from werenextdoor.com ( XXXX ) XXXX Next Door Lending and these have continued with no choice to opt out for over a month. I did not initiate any contact with this company and it is my understanding that I must give permission to continue texting me or an opt out. I do not have these. 

I would like this illegal harassment to stop and this lender reported to the proper agency so fine can be levied and I believe they owe my compensation for this unwanted, continued and illegal harassment. 

I have received well over 100 calls and texts from mortgage companies after my credit was pulled my a mortgage lender and going forward I will be reporting each one that violates my privacy through these texts.
Consumer complaint received 2022-11-18
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. (FL)

Multiple accounts were opened in my name with XXXX XXXX XXXX XXXX, including : a checking, savings, and a credit card. But I personally did not open these accounts and have no offiliations to XXXX XXXX. My identity was stolen. I have already reported fraud to the company XXXX XXXX on XX/XX/2022. Since then, whomever opened these accounts has charged up a credit card bill of {$1800.00}, is not paying the monthly payment, and now my credit score has been effected.
Consumer complaint received 2022-11-18
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. (NJ)

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. 

XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-05-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I 've disputed this collections amount because I have no knowledge of the account itself. The bureau investigated and item and status has remained unchanged since my last dispute in  XXXX   2017 .