davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-09
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. (OH)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXXXXXX Balance : {$94.00}, XXXX XXXX XXXX XXXXXXXX Balance : {$3800.00}, XXXX XXXX XXXX Balance : {$17.00}, XXXX XXXX Balance : {$4700.00}XXXX XXXX XXXX XXXXXXXX Balance : {$48000.00}, XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-28
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. (VA)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2019-07-23
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Holloway Credit Solutions (AL)

I am still and approximately 1-2 times per week receiving phone calls from Holloway Credit Solutions in XXXX, AL. These phone calls are in regards to my ex-wife. I have no idea what debt she owes as they will not tell me and I do not care. I have been XXXX from her since XX/XX/XXXX. 15 years. She is XXXX. I have told representatives of their company to stop contacting me and provided the last information that I knew. I received a phone call today and one last week and I would say 5-10 since I last told them to stop calling me.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

I've contacted the Credit Reporting Agencies several times both via phone and mail to see why discharged accounts are still be reporting to my credit report. Per IRS, once the creditor has discharged the account, the debt is now canceled and/or forgiven. The debt is now taxable income and is being filed on my taxes. INCOME AND/OR TAXABLE INCOME CAN NOT BE REPORTED ON A CONSUMER 'S PROFILE AS DEBT.

In accordance with 15 USC 1681 ( E ) B, each agency has the responsibility or reporting maximum accuracy to my consumer profile. 

These inaccurate accounts being reported are severely impacting my ability to obtain credit.
Consumer complaint received 2023-06-07
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2022-05-15
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. (VA)

In accordance with the Fair Credit Reporting act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 1 5 USC 1681 XXXX  Account # XXXX XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States l 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 1 681c. ( 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 2019-02-12
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. (CA)

On XX/XX/XXXX I returned the leased car to the XXXX dealership in XXXX XXXX, CA as it was the last day of my lease. I even called the XXXX XXXX to let them know that I have returned the car as I was required to do so. 
Fast forward, on XX/XX/XXXX or XX/XX/XXXX I received an update notification from XXXX in regards to my credit report. After checking the report, I realized the false delinquency report generated from the XXXX XXXX. Then, I checked my XXXX XXXX account online to surprisingly/shockingly find out that I've been charged monthly beyond the official end of contract which was XX/XX/XXXX. 
After numerous ( I mean numerous ) calls and emails to XXXX XXXX and lots of stress and being provided with lots of different information and department transfers and on multiple occasions being held on a long hold and then being hung up on. After nearly more than two weeks XXXX got rid of my false reported balance of more {$500.00}. Then They promised me to also fix the wrong report to XXXX  and Transunion. Which they never delivered and they ultimately asked me to do that, too!!!! 
1. I did file a dispute with both XXXX  and Transunion and they both denied my dispute! I don't even think they did anything to fix my report and to help me. This is very scary and disappointing and it causes me to think that why these companies should have so much power and influence on my life, yet they are unorganized and very poorly run. 
2. I have reach out to XXXX XXXX again, because once again there is an automatic monthly charge for me! and also I have asked them to do whatever they have to do to fix my credit report. I haven't heard from them. 
3. Why leasing a car and returning a lease car should be like this and create so much stress and financial disasters for me ( I can't show my credit any where anymore and I have gotten a rejection for rentals, etc ... ). now after all these events, where is the justice, why should XXXX not get penalized for this? ( I know that I would easily be penalized, punished or even send to jail if I fail to pay a wear and tear ) this is not fair. 
Please help me, you are my last resort ( I even called attorney and nobody takes my case, because there is no money in it, this is a shame ). 
Thank you
Consumer complaint received 2022-05-15
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. (MO)

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. convergent accounts 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 XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Has violated my rates. 



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

15 U.S.C 1681 section 604 section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-10-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Forgive me its been going on a long time my credit card was taken during a car theft I was injured and was unaware of the use of my card once it was discovered and after I was able to get my self back to health Boa was notified and I was told not to worry Everything went fine nothing was ever said and for almost two years no word from boa then I get a letter out of the blue saying they. Were not going to sue me but would report this for the next 7 years. I contacted boa and was never given any reason for the time laps. I also asked for copies with my signature on the purchase I was told they didnt have it. 
Ive tried to resolve this. Last month I filled out a couple surveys and pointed out that boa is wrong And because of that they have reported over and over this to the credit agency and my credit dropped XXXX points with in a few days
Consumer complaint received 2016-01-05
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (NC)

XX/XX/XXXX I was approved on an individual basis for an XXXX XXXX credit card through XXXX. According to Regulation Z page XXXX ( under XXXX years of age ) and page XXXX ( under limitations on fees ), I was approved on an improper basis. I was under XXXX at the time, with no income, job, or assets. My ex fiance at the time was also approved for a card on an individual basis in which he was much older than me with his own business, house, mortgage, car payments. He paid for everything minus what little cash I obtained from doing paper work for his business at the time to pay on this credit card with an APR of more than 25 %. I feel that I have paid enough interest and actual payments on this debt to cover the whole {$2800.00}. I was n't actually earning my own income until XX/XX/XXXX. In the meantime I had gone to school and obtained my own job. I now am a XXXX only able to work 10-15 hours/week, car loan payments through my bank, a personal loan I paid off 2 years ago for an internet scam I was involved in, monthly rent, electrical bills, phone bill, tuition loans I have through my college. Not to mention I am on government food service assistance. This debt that I was more than loyal to for years should be relinquished. There is no way I can afford this amount whether it be in small payments or not. I have paid my share and feel that I was approved for this credit card in error from the beginning, based on my ex fiances assets and credit score. As if being a XXXX is n't stressful enough, I have been stressing about his debt that is hurting my credit score!
Consumer complaint received 2019-07-14
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. (MO)

In XX/XX/2019 I sent for my three free credit reports. Only XXXX  sent the report which I received on XX/XX/2019. Tans union said they needed more information, which I sent in late XXXX and again in early XXXX. To date I have not received my credit report from either Trans union or XXXX.
Consumer complaint received 2022-05-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Paramount Recovery Systems, L.P. (WV)

In accordance with the fair credit Reporting Act XXXX Account # 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 also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-05-15
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX XXXX # have 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 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 2022-05-15
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (WI)

In XXXX of XXXX I was approved for a trial period modification. The XXXX trial payments were XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX of XXXX. I was approved for the modification effective XX/XX/XXXX. I have made every payment on time since the start. 

On XX/XX/XXXX I received a letter from US bank informing me that I potentially would qualify for the " pay for performance '' incentive. That being up to {$5000.00} reduction in principal if I stayed in good standing during the term of the loan. The letter also said that I could qualify for an additional {$5000.00} principal reduction after year XXXX ( which should be XX/XX/XXXX ) - again if I stayed in good standing. 

I've called US Bank several times to inquire why I haven't received any of the potential {$10000.00} in principal reduction. They have acknowledged that they sent the letter - however they continue to tell me that they don't know why I haven't received the incentive. 

So my question is simple- why have I not received the " pay for performance '' incentive. And, what do I have to do to receive it? 

If for some reason I don't qualify - please tell me why. 

Thank You
Consumer complaint received 2022-05-15
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX Account # XXXXXXXX XXXX XXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX XXXX # have 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 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 2022-05-15
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXXXXXX Account # XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX # have 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 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 2022-05-15
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (GA)

I was on a mortgage forbearance plan with Mortgage XXXX XXXX From XXXX of XXXX until XXXX of XXXX. When I opted to come out of the plan and start making mortgage payment my loan was sold to BSI Financial. On XX/XX/XXXX Mortgage XXXX XXXX  sent over my new agreement to the company. Which was a new balance of XXXX, monthly payments of XXXX until XXXX XXXX at a 3 % rate. Well in XXXX BSI Financial sent me a bill for XXXX. I immediately called and explained that i signed a contract and if I previously owed XXXX due to the forbearance plan I no linger owe that amount. I was sent to the voice mail of XXXX XXXX ( who was over my file ) .Who assured me everything will be updated in the system once processing processes everything. After XXXX passing and still no update I called Mortgage XXXX XXXX and they advised me it shouldn't be taking BSI XXXX this long to update your new contract. So I called BSI Financial and left several voicemails for XXXX with no call backs. I was transferred to a customer service manager XXXX XXXX who assured me he would email XXXX and cc her manager XXXX XXXX who has yet to follow up with me as far as why hasn't my account been updated. Due to the lack of follow up and poor communication skills and the system reading the wrong information I have been scarred to make a payment. When I put my ego aside in XXXX and called to make a payment the rep advised me she couldn't take my payment due to the status of the loan and she then proceeded to forward my call to XXXX to make a payment but per usual she does not answer. I am hoping you all could potentially speak to someone higher up in the company so that my account can be updated. We are 5 months into the year and it should not take this long for them to update the amount I owe them. I am asking for all late fees they have on my account be removed due to their lack of processing and any payments that was supposed to start be placed to the back of the loan because they failed to update there system making me feel comfortable enough to make a payment. i did not feel confident that this company would forward my payments mad correctly once the system was updated and I did not want to put myself through any further headache or stress with this comoany
Consumer complaint received 2021-10-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (DE)

My loan was purchased by Rushmore from XXXX XXXX in XX/XX/XXXX and in doing so they changed my mortgage from a standard mortgage to a daily simple interest loan without proper consent or disclosure. 2 ) With my previous mortgage holder, I made early payments, when I received my 1st mortgage statement XX/XX/XXXX from Rushmore, they stated that a payment was not due until XXXX and all the while charged me daily interest based on the revised/undisclosed structure of the mortgage. I am requesting my loan be changed back to a standard mortgage and I be reimbursed for the amount of interest that I was overcharged based on the change in the mortgage structure. 

I had so much trouble when trying to work this out with the company so I went to the XXXX XXXX XXXX because I knew what they were doing was wrong. If this happened to me, I am sure that it has happened to many people and they may not know what to do or how to get this rectified.
Consumer complaint received 2022-05-15
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. (LA)

In accordance with the Fair Credit Reporting act XXXX  Account # 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. Code 1681 a ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 15 U.S. Code 1681 b ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 15 U.S. Code 1681i ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency 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 item from the 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 reseller. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2021-10-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Rhode Island Housing and Mortgage Finance Corporation (RI)

I currently have two mortgage loans on my property and Im paying interest on both loans. We asked for help about six years ago from XXXX XXXX XXXX and instead of helping us at the end of the reduction in mortgage payment the gave us two loans that we have to pay monthly and interest in both loans. Myself and husband were under the impression that when reduction period was over we would just have years tacked back in our original mortgage, this is not so and I feel like the company is double dipping and we are suffering because of it. This must be illegal. Im on time with original loan but have fallen three months behind on 2nd loan because we are struggling to pay bills, food until utilities etc. 

Please help. 
Sincerely, XXXX & XXXX XXXX XXXX XXXX XXXX XXXX RI. XXXX XXXX