davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-13
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Ascendium Education Group (OH)

I get an email daily stating what is coming in the mail. I received a letter with not post date on it. Inside the envelope there was a letter threatening garnishment of my wages. The envelope was also not certified. The letter was dated XX/XX/2021 but it arrived at my door on XX/XX/2021, two weeks after the date of the letter. They were wanting me to fill out extremely personal information but the letter looks suspicious. I didn't want to fill it out any information because i didn't feel comfortable by how I received the letter. This account is not listed on my credit report either. It stated it had been charged off. I don't want this to reflect on my chances of trying to purchase a home. I have been working hard on my federal loan to pull it out of default. I don't want another loan in default to prevent my chances further when I'm so close to getting stable housing for me and my kids. Please advise what I need to do. Attached you will see the email I receive daily informing my about incoming mail as well as the copy of the letter and what the envelope was like.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2022-08-27
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. (CA)

On XX/XX/2022, I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and i got a letter stating, " They do not report bankruptcies to anybody. '' So, if that's the case, how did the credit bureaus verify m bankruptcy as 100 % accurate? They never did a fair investigation according to 15 U.S.C. 1681.

15 U.S.C. 1681 section 603 ( 3 ) ( E ) states : The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such item of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 
The credit bureaus violated my given rights under 15 U.S.C. 1681 According to : 15 U.S.C. 1681 section 602A it states, I have the right to privacy.

According to : 15 U.S.C. 1681 section 604A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating toa consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My complaint is a general one after dealing with TransUnion and XXXX  today XXXX XX/XX/XXXX XXXX to remove a security freeze. I was eventually able to speak with someone in customer service with each company but only after a long and frustrating effort to get into their website. Even though I temporarily removed a freeze in XX/XX/XXXX until XX/XX/XXXX, the sites at both companies did not recognize my information including my social security number, birthdate etc. This makes me wonder if they intentionally make the process so difficult and time consuming that consumers decide not use the temporary freeze option, which is what I chose to do not wanting to go through this again. Is it possible that there is some advantage to the companies in having accounts that arent frozen? I think these companies are ripe for some anti-trust enforcement and hope under the new administration that will happen.
Consumer complaint received 2024-03-06
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. (GA)

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 XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 an 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 2022-08-27
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: Experian Information Solutions Inc. (MD)

In accordance with the fair credit Reporting act XXXX XXXX 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 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-07-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (CA)

I have sent a few letters to this company via certified mail with return receipt in regards to the consumer credit transaction and financed charge in connection with this account that have yet to be properly investigated or responded to. Furthermore they continue to charge, add fees and report to CRA inaccurate deceptive information about my consumer transaction while in the middle of an unresolved dispute after written notices was sent to out with instructions no to do so
Consumer complaint received 2021-08-17
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)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-08-27
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXXXXXX 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 1681 Section 611 5 Section ( A ) ( I ) : states that any information disputed by a consumer that can not be verified or found inaccurate shall promptly be removed. This account shows as open when it is closed
Consumer complaint received 2023-10-07
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc. (OR)

I was paying for an XXXX just someone to keep me company she had me pay an extra {$300.00} to ensure it was a safe XXXX  sounded legit I would get my refund back immediately on meeting the XXXX then came a long list of fees totaling almost {$800.00} reassuring me the entire time that all these are refundable I never got my money back at some point you have to stop giving them money I was just hoping that this criminal would keep his word her word I don't know finally the last straw was {$200.00} for a refund file I'm not XXXX I'm a software engineer at best it's a piece of paper like a receipt but still no intention paying it back
Consumer complaint received 2019-01-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lazega & Johanson LLC (GA)

I was sent a letter by Lazega & Johanson, Attorneys at Law in XXXX stating that they are attempting to collect a debt on behalf of XXXX XXXX, XXXX for a debt I allegedly owe to XXXX for account number XXXX. 

I had a third party credit reporting agency contact Lazega & Johanson to obtain the account number and verify the debt. The resulting report is attached. The account at XXXX XXXX XXXX was reported to the third party credit reporting agency as Charged Off. I assume because they were not able to verify it was mine. 

The third party credit reporting agency also contacted XXXX on my behalf. XXXX was not able to produce any such account. This account does not appear on any of my three credit reports. It does not exist.
Consumer complaint received 2023-07-17
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. (MD)

In accordance with the Fair Credit Reporting act Account # XXXX with XXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act Account # XXXX with XXXX. XXXX, XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act Account 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
Consumer complaint received 2019-01-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (DC)

I've had nothing but problems since this company took over my XXXX mortgage only a few months ago. Most recently, I received a notice that my payment was not made for this month. I checked my bank account and saw that the normal payment was debited. I called the company and they told me that due to an escrow analysis, the monthly payment had increased for XX/XX/XXXX. They told me that the payment was made, but for the lower amount and the account was sitting in an unapplied funds status. I told them that I never received an increase notice or an escrow analysis. I only received a notice that they recently changed their name from XXXX XXXX to XXXX. I have had my mortgage for a while and never missed a payment and was never late, as I have my payment on auto pay thru my online banking. I asked if the late fee could be refunded as a one time courtesy, due to my relationship and history of on time payments. The rep told me that nothing could be done. I would like to have the late fee waived, as I have adjusted my payments to include the new increased payment and paid the difference to bring my account current. If nothing can be done, I will pursue other options, as far as taking my business elsewhere.
Consumer complaint received 2019-01-07
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: AMERICAN HONDA FINANCE CORP (CA)

I am a victim of identity theft. My personal information was compromised and a fraudulent account was opened without my consent or authorization. 
As a result, I sent this company my dispute letter on XX/XX/XXXX explaining my case. I even attached the Identity Theft Report, Proof of identity and Section 605B of the Fair Credit Reporting Act. 
But to my surprise, this company up to now failed miserably to investigate my claims and is still reporting this fraudulent account. For yet another last time, the following account is fraudulent : AMERICAN HONDA FINAN, ACC # XXXX, Opened Date XX/XX/XXXX, Highest Balance {$8500.00} This letter is a written proof of my last intent to find a resolution for this case failure to which I will file a lawsuit against this company.
Consumer complaint received 2022-07-19
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. (FL)

There are several soft inquries on my credit report that I didnt make and lenders are getting copies of my credit report and thinking that I am the one making those inquiries and this makes me look in a bad way to lenders. 
Delete all soft inquiries from my credit report as I didnt make them
Consumer complaint received 2020-09-16
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. (OH)

was looking over my credit report and I noticed that a few 30 days late payments that were supposed to be removed ON MY XXXX  XXXX XXXX  CARD. The dates were XXXX, XXXX XXXX my income was affected due to the COVID-19 Pandemic shut down. I am in the middle of moving and this alate mark is preventing me from moving into a new apt . I was under the COVID-19 SHUTDOWN and I believe I can use some help with the removal of the late payments I am currently full current yet the late marks are killing my credit score I coulduse some accommodation to help protect my credit. The CARES Act calls these agreementsaccommodations.
Consumer complaint received 2020-02-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (GA)

In XXXX, my loan was consolidated with my ex spouse through Sallie Mae. While divorcing in XXXX XXXX, I begged and pleaded with Sallie Mae to break apart out loans. I was listed as the co-borrower and was worried if my ex spouse did not pay, I would be stuck with the full amount. They refused. The loan went into default. After divorce was final and some time later, I made a arrangements and we began to pay the loan again separately- however I could not make any changes to the loan and was barely able to discuss the loans when I called. Once we began paying the loans, they were transferred to XXXX/XXXX.
Consumer complaint received 2021-08-17
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. (FL)

I have been a Victim of identity Theft and contacted Trans Union with both FTC and Police Reports. I have sent this to Trans Union several times. They are not compiling with FCRA 605B. Causing me to not get a chance to get capital from a bank. I am in the process of getting a attorney for the case but wanted to report it so this will be included with my legal case. 

XXXX : Fraudulent XXXX : Fraudulent XXXX XXXX : Fraudulent Upgrade : Fraudulent
Consumer complaint received 2019-01-07
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. (GA)

I filed a complaint Case # XXXX and the claim was closed before i received my credit report. XXXX is still reporting incorrectly to XXXX XXXX and possibly Equifax. 


At the end of XX/XX/XXXX I contacted XXXX XXXX via phone and in the process the customer service rep asked me to verify personal information. I was asked to verify my birthdate and when I replied XX/XX/XXXX the rep refused to continue the call because I did not answer correctly. I called back and spoke with a different rep and was informed that there were multiple ways to verify a customer account and the birthdate didnt need to be verified to continue discussing the account. At that point I was concerned I had this account since XXXX Shortly after XX/XX/XXXX I received a letter notifying me that the Mortgage Origination Date was corrected on XXXX for tax year XXXX and I would receive a copy via mail. I immediately called XXXX and spoke with XXXX XXXX and she informed me that my case XXXX was being handled by XXXX XXXX and gave me his direct contact number XXXX XXXX XXXX which did not work. While on the phone with XXXX I checked my credit report for all 3 credit bureaus and discovered that XXXX  did not have XXXX XXXX  reported at all only XXXX XXXX. I refinanced and had a first loan with XXXX XXXX and a second line of equity with XXXX XXXX  in XXXX. I refinanced the first loan with XXXX XXXX  in XXXX and the loan was paid off but I still had the second loan with XXXX XXXX. XXXX had no record of XXXX XXXX which explained why my credit score was 30 points lower than XXXX  and Equifax. I immediately initiated a dispute with XXXX and they responded swiftly XXXX XXXX XXXX stating there is nothing they could do because the account never appeared on the report. I then submitted another complaint disputing XXXX XXXX  instead of XXXX XXXX  after speaking with a manager at XXXX to get XXXX to respond so they could discover the error with my XXXX XXXX. XXXX  responded XXXX XXXX XXXX to the second dispute and I still had not heard from XXXX XXXX.
Consumer complaint received 2022-08-27
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. (AR)

Under FCRA 1

5 U.S. Code 1681s2 ( 3 ) you violated the law. I disputed these inaccurate items over 35 days ago and the credit reporting agencies havent notated is as disputed. They cause me to loose out on offers due to reporting negative inaccurate items and not notating it was disputed. I sent them multiple of letters concerning my credit reports. As a consumer it is my right for them to follow FCRA laws.
Consumer complaint received 2022-08-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OK)

On XXXX XXXX I went to BOA to deposit a cashiers check. I asked the teller if I could withdraw {$500.00} of that.. he said no, that the cashiers check would not be available until the following day. He did say he could give me the check back and I could go cash it at the bank it was from. I was running late and said the next day was fine. The next morning, I checked my account and found a hold was placed on the check until XX/XX/XXXX. After 3 transfers to supervisors.. I was told the information I was given was wrong and there was nothing they could do. I have {$2.00} to live on for this time. I was even told that their tellers do sometimes give out inaccurate information but they could still do nothing. They wont even release a portion of the check. Cashiers check are supposed to be guaranteed.
Consumer complaint received 2020-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

My mortgage company keeps reporting me late at the beginning of every next month while I'm in a forbearance plan. The hurt I suffer from watching my personal credit take such a huge hit in having a negative score is very depressing to me and our family. I literally have XXXX XXXX from all this stress they'd cost me and my family. We'd been fighting this issue for 7 months straight. XXXX is my mortgage company. We could really use some help on our end here. We have a house full of XXXX children and can't live in peace knowing I cant qualify or a refinance because my credit score keeps showing a late status. The crazy thing is it's always showing me late at the beginning of every month. 
I don't even think that's legal. I always thought you had to wait until the month-end for the thirty days late in order for a company to mark you late? But please someone help me get this issue rectified. XX/XX/2020 late marked by the mortgage company I've tried everything from call to sending letters for about the previous months being late.