davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

XXXX XXXX XXXX  ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX  ACCOUNT # XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 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 these places has violated my rights, 15 USC 1681 section 602 A 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 1681c section 604 ( A ) ( 5 ) section states. No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 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 2022-07-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kovitz Shifrin Nesbit, A Professional Corporation (IN)

I received a notice that a lien was filed on my condo by an attorney for {$1000.00} from the hoa. I sent the dispute letter and all my receipts for payments and asked them for a validation, they kept sending me the same letter and she emailed me and said THEY DONT OWE ME AN EXPLANATION OF CHARGES. IF I WANT TO KNOW THEN I NEED TO HIRE AN ACCOUNTANT TO EXPLAIN OT TO ME. SHE SAID THAT SINCE I FILED BANKRUPTCY AND I DIDNT HAVE TO PAY {$10000.00} TO THE ASSOCIATION THAT THEY FILED A LIEN WITH ADVISE FROM COUNSEL. I had made payments between the time the lien was filed and the time I received the letter that paid my account in full. And they refused to tell me what I was charged for and why. She blocked me from her email and told the board and the management company not to speak to me. They should have released the lien and if they would have shown me that I was charged for something I could have hoard it and been done with it. They eventually had to give a detail of the attorney charged for the judge and they charged me for reading the 2 dispute letters and wrong amounts for retuned check and they credited my account the {$720.00} that they already had but said they didnt and I had repaid it so I was really 4 payments ahead but they filed bankruptcy on my condo and that was a lien that shoud have been released.
Consumer complaint received 2019-08-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC (CO)

I received notification from a seperate collection agency ( XXXX XXXX XXXX ) that I was sent to collections. I was notified of the charge in XXXX of XXXX, and the default on a loan was in XXXX of XXXX. This was the result of a fradulent charge and identity theft that I was unaware of until I received this notification. 
The current creditor os Security Credit Services Original Creditor was XXXX, XXXX XXXX Original account # Internal file to XXXX XXXX Balance : {$1000.00} Someone fraudulently opened an online loan in my name from a previous address that I had not lived at since XX/XX/XXXX. I reported to all credit reporting agencies and the collection agency. They said it was a legitimate charge and it is NOT! I provided documentation that showed I was living out of state in XXXX including by tax return and a paystub. They still refuse to remove it from my credit report. IT IS NOT MY CHARGE! 
After I called and left a voice mail with SCS, I have been overinundated with scammer calls and I am convinced they have sold my data for harassing solicitations.
Consumer complaint received 2018-09-05
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (VA)

On XX/XX/2018 Navient processed my forbearance only until XX/XX/18. At the time I filed for forbearance I was told to send in tax documentation in XX/XX/XXXX because it'll take up to 30 days to process. Once I sent that in they removed me from forbearance and my payment was due. Now I'm being penalized! I only did what I was told. I have called them 3 times including the call I'm on now and they keep telling me it'll be reviewed but so far nothing is being done. This is one of the reason why I just disregarded them altogether initially. It's a damned if you do, damned if you don't situation and I see why they're facing lawsuits. I just want my account processed correctly and in a way that benefits me and not hinders me any further. They get in their feelings when I start using profanity but also say they understand : OBVIOUSLY THE XXXX NOT! I just want accurate information and procedure information because they're stressing me out!
Consumer complaint received 2022-07-10
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. (CA)

I noticed that there is an alleged bankruptcy on my credit report, so I reached out to the bankruptcy court to see where this information came from and they said they didn't release any information to any credit reporting agencies. Which I found odd because on my credit report I see that XXXX, TransUnion, and XXXX have a bankruptcy on my report. 

I reached out to the company XXXX about their reporting of this alleged bankruptcy and they removed the information from their records. I have attached that letter as well. 

I also attached a letter explaining the violations that were committed by these companies in accordance to 15 usc 1681e ( b ), as they didn't follow the reporting guidelines.
Consumer complaint received 2023-03-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent a letter on XX/XX/XXXX, to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX MO XXXX XX/XX/XXXXXXXX Balance : {$0.00} XX/XX/XXXXXXXX Balance : {$0.00} XX/XX/XXXXXXXX XXXX {$170.00}XX/XX/XXXX XXXX Balance : {$160.00} XX/XX/XXXXXXXX Balance : {$2600.00}XX/XX/XXXXXXXX ( Original Creditor : XXXX XX/XX/XXXXXX/XX/XXXX) XXXX Balance : {$450.00}XX/XX/XXXXXXXX Balance : {$470.00} XXXX XXXX XXXX Balance : {$0.00} XX/XX/XXXX Bankruptcy Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XX/XX/XXXX ( Original Creditor : XX/XX/XXXX) XXXX Balance : {$140.00} ; XX/XX/XXXXXXXX Balance : {$2600.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX MO XXXX XX/XX/XXXX.
Consumer complaint received 2018-09-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (TX)

XX/XX/2018 - I found proof of payment for a debt posted on my credit report by XXXX / XXXX XXXX XXXX in the amount of {$180.00}. I submitted a dispute and proof of payment which resulted in the account being removed from collections and updated on my credit report. 

XX/XX/2018 - XXXX/XXXX XXXX XXXX reported once again for the amount of {$180.00} on my credit report again, causing my credit score to drop several points. 

I have already researched and provided proof of payment and documented evidence that this account was paid - I respectfully ask that this account be removed again from my credit report. The collection was reported erroneously for a second time and ask that it be deleted completely from my records. 

The following company has caused serious delay in securing a mortgage due to their errors : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX
Consumer complaint received 2018-09-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

My money is being stolen by the people the has control over my property address XXXX XXXX XXXX XXXX XXXX, NJ XXXX need help getting my property back from these people that has control over my property my money is being deposited into The Bank of America every month and credit cards has been order to steal my money every month.
Consumer complaint received 2018-09-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (IL)

Multiple times if I was having trouble staying current on my student loans, I was only offered forbearance instead of any other option to make my loan more affordable for repayment. I was never offered any income driven options. In fact my loan was placed into forbearance 3 times over the life of the loan so far, equaling several years of interest accruing. To give details ; the initial amount borrowed in XX/XX/XXXX was {$67000.00}. The current that is owed as of XX/XX/XXXX is {$65000.00}. My monthly payment is {$600.00}. How can I possibly have only paid off {$2100.00} on my loan over the span of 17 years! This is outrageous! 

In every conversation Ive had with a representative of Navient ( Sallie Mae ) when they are calling to try and collect a payment, they always add the upcoming payment that may not even be due yet to the amount they are trying to collect. This makes it sound like I am farther behind on my payments than a truly am, and is very deceptive. 

When Navient took over Sallie Mae, they reported late payments that were over a year old on the new Navient account. This put a mark on my credit and decreased my credit score significantly. I filed a dispute on my credit report, but the mark still remained. Recently, I applied for the Public Service Loan forgiveness program. Navient was supposed to put my loans into forbearance during that time but didnt and now I have more late payments showing up on my credit report.
Consumer complaint received 2018-09-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: SUN LOAN COMPANY INC. (MO)

On or about XX/XX/2018 sun loans calls my sister in law otherwise referred to as a " third party '' attempting to call me although they have my phone number they make harrassing calls and threats and even let a third party know I have a open loan which is a clear violation of my FCRA rights I also advised them on several occasions I am unemployed and to Cease & Desist under U.S Civil Code 1592c section c however they refuse and my references have asked them several times to stop calling and they continue to harrass referenceces.
Consumer complaint received 2018-09-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: ALLY FINANCIAL INC. (NC)

On XX/XX/XXXX, I responded to an ad on XXXX and paid {$90.00} through XXXX for 2 XXXX concert tickets. I never got the tickets. When I called Ally Bank they said they were FDIC insured and would be able to get my money back. They then sent a letter on the XX/XX/XXXX saying that the transaction was legitimate and they would be unable to get my money back.
Consumer complaint received 2018-09-05
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: CAPITAL ONE FINANCIAL CORPORATION (MD)

I called and said it was not me and they stop calling me but sold the account to someone and they reported it. I never had a credit card ever. I'm just starting to apply for cards. And they can't tell me where the card was used or for what it was used for. They have no proof but reported this to the credit bueral and they are dening me credit now. I'm XXXX the person that appied was in thier XXXX 's. This is not me and this is wrong.
Consumer complaint received 2018-09-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: TRANSWORLD SYSTEMS INC (CT)

XXXX XXXX XXXX, previously XXXX XXXX, is the loan servicer for a PLUS loan I incurred while attending XXXX XXXX. Since XXXX, I have been timely making monthly payments on my loan via XXXXXXXX XXXX online website with no prior issues. On the evening of XX/XX/XXXX, I accessed XXXXXXXX XXXX website to log in and make my monthly payment. Upon entering my information and attempting to log in, I received a message that the " service was temporarily unavailable '' and to " try again later. '' I tried to access my account again on XX/XX/XXXX and XX/XX/XXXX and received the same message. At that point, I called XXXXXXXX XXXX  customer service phone line, only to encounter an electronic interface that would not recognize my account number or SSN. Despite best efforts, I could not get in touch with a representative of the company. I also attempted to use XXXXXXXX XXXX online email function to report my issue, but was met with the same problem, namely that it would not transmit my email. A quick Internet search revealed that many other customers are experiencing the same exact problem with XXXX. As such, I can not make my payment on my student loan -- which can only result in negative impacts to my credit score, late fees, etc. And evidently the company can not be contacted to resolve this issue on its end. In addition to this complaint, I have filed a complaint with the Connecticut Attorney General 's Office.
Consumer complaint received 2023-03-18
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. (MS)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mississippi XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several negative items on my credit report. Upon reviewing my credit report, I noticed that there are several inquiries that were made by XXXX XXXX that I have no recollection of authorizing. 

The following are the dates and inquiries in question : XXXX XXXX - Date of inquiry : XX/XX/XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX - Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX XXXX XXXX  - Date of inquiry : XX/XX/XXXX XXXX XXXX  - Date of inquiry : XX/XX/XXXX I demand that these unauthorized inquiries be removed from my credit report immediately. I have no affiliation or business dealings with XXXX XXXX, and I have no knowledge of any credit applications made through them. 

Furthermore, I noticed that there are two inaccurate accounts listed on my credit report, one with XXXX XXXX XXXX and the other with XXXX XXXX XXXX I was surprised to see that you were able to verify these accounts even though other bureaus have removed them due to their inaccuracy. 

The following are the account details in question : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX  - Account Number : XXXX I demand that these inaccurate accounts be deleted immediately from my credit report. 

I urge you to investigate these disputes as soon as possible and make the necessary corrections. Please inform me of the progress and outcome of your investigation. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-07-10
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (FL)

My mortgage loan is with Truist. Everytime I attempt to make a payment there is always an issue with the payment process. The website never works ( at least for the past 7 months ) for payments from another bank. When I try to add a non truist account I get errors. When I try to use the app to make a payment the link to add a non truist account doesn't work. It's almost as if they're trying to force their mortgage customers that don't have a checking or savings account with to open an account with Truist. The reason I say that is because the link to open new accounts works just fine. I resorted to paying over the phone through they're automated system and now that doesn't even work.
Consumer complaint received 2018-09-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (FL)

I opened a Credit Card with XXXX XXXX ( XXXX XXXX Credit Card ). The account was only opened for a few weeks before XXXX XXXX closed my account with no reason at all. This company should not approve customers if they are going to close the account weeks.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

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 studying XXXX 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 : XXXX Account Number : XXXX XXXX Account Number : XXXX
Consumer complaint received 2021-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AL)

Attached below are additional documents which show the letters I will be mailing out to collectors because they failed to validate my debt within a 30 day frame. I mailed letters to them on XX/XX/XXXX and have yet to hear anything regarding validation.
Consumer complaint received 2018-09-05
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. (NC)

***To whom it may concern**** I have noticed that XXXX have placed an inquiry on my Equifax credit file dated XX/XX/XXXX and XX/XX/XXXX. I have contacted XXXX and Equifax several times to have this removed and deleted. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC? 1681b ) for an entity to view a consumer 's credit report without a " permissible purpose, '' I am writing to inquire as to your alleged purpose, for doing so since I did not apply for employment with your organization nor did I request credit from your organization. Equifax report that you XXXX pulled a hard inquiry. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC? 1681n ( a ) ( 1 ) ( B ) states, in part, " in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure are {$1000.00}, whichever is greater ; ''
Consumer complaint received 2018-09-05
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Consultants, Inc. (PA)

Diversified Consultants bought an account from XXXX that was closed almost a year ago. They are claiming there was an " implied contract '' that would auto renew without my knowledge or permission. I have this recorded from the conversation with their agent. I moved and I had XXXX XXXX service but my contract was already up. XXXX XXXX didn't work in my new area. We tried to make it work and never had a good signal. XXXX XXXX refused to give me a return address to send back the equipment and it took me months to track down someone ( third party ), to figure out how to send back the equipment from my original expired contract. I got it returned and got a confirmation. When Diversified Consultants called, they didn't listen at all and demanded that I pay over 700 dollars including non return of equipment. I told them the equipment was returned on XX/XX/2018 and we were talking on XX/XX/2018. I then emailed them a copy of the returned equipment confirmation from the XXXX store on the XXXX account that is for XXXX, ( this was also done on the XXXX of XXXX ). I requested proof of debt which, according to the FDCPA is not merely a bill and I explained that to the Diversified rep. I received a letter on XX/XX/2018 with a copy of a bill and a demand letter showing non return of equipment even though the email with the proof of the return was sent more than a week prior to this letter. Also, it is a bill, there is no proof or breakdown of the debt it just shows " previous balance '', I have no way of knowing what this is and it is not proof at all. This was already conveyed over the phone to them. They also contacted my wife, who was never on the original account and whose phone number was never on the account and this is a clear violation of privacy.
Consumer complaint received 2023-01-11
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. (FL)

On XX/XX/XXXXXXXX I submitted a second complaint because Experian is not deleting an address that is not mine : XXXX XXXX XXXX XXXX, XXXX, FL XXXX. 

They responded by saying they couldn't find that information on my credit report. Today XX/XX/XXXXXXXX  I logged into my Experian account and the address is still there. I'm submitting a screenshot with the address because they clearly not doing their job.
Consumer complaint received 2022-07-25
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. (AZ)

I'm pleased to see several improvements made to my report, including the deletion of the account I had previously disputed. However, still a few account on my report that is false and the result of identity theft. I request your assistance in getting rid of the last few item on my report. According to FCRA section 605b, the credit bureaus is obliged to remove or block any account that have been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. 
XXXX XXXX XXXX Balance Owed : {$13000.00}