davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-10
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: CURO Intermediate Holdings (IL)

Today XX/XX/2018, I contacted a third party collection agency to set up a payment plan for a debt in the amount of about {$620.00}. The original creditor is a loan company. I couldn't get an account number but they knew who I was and verified by date of birth from the start of my call. I asked to get the account number and confirmation number and wanted to see it reflects on my credit report. I was put on hold. I was given their payment options but it wasn't favorable. I made my own terms but still given their option and asked would I be penalized for just paying what I can instead of making payments according to their plan. I couldn't get a direct answer. I was put on hold and then disconnected. I never received an account number or anything just amount and two settle plans I didn't want. I just wanted to pay on the account and receive verification and information about the account. Please help if you can. I need this debt cleared.
Consumer complaint received 2022-10-05
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: Experian Information Solutions Inc. (GA)

Im accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacv. 15 U.S.C 1681 section 604 A section it also states a consumer reporting agency can not furnish a account without my consent. 

Credit inquires XXXX XXXX XXXX XXXX ( Bank ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX Experian XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Dovenmuehle Mortgage, Inc. (IN)

DOVENMUEHLE MORTGAGE SHOWING AS OPEN ACCOUNT AND PAST DUE AMOUNT ON CREDIT REPORT. ACCOUNT WAS DISCHARGED IN BANKRUPTCY AND CLOSED. PROPERTY HAS SINCE BEEN SOLD AND NO LONGER IN MY NAME.
Consumer complaint received 2024-02-19
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. (TX)

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

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 XXXX XXXX XXXX XXXX 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 2022-01-06
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. (MD)

On XX/XX/2021, I sent dispute letters to each bureau for investigations into inaccuracies on my consumer report. I am writing to the Consumer Financial Protection Bureau seeking help in matters regarding my consumer report. I have sent letters to XXXX, Transunion and XXXX in reference to this false information several times and have not received a response. I have included in my letters to the bureaus that I have concerns and that they are in violation under 15 US code 1681 and 15 US code 1681 ( b ) ( FCRA ).

I am aware that they each have 30 days to investigate my disputes and report their findings back to me. At this point I am feeling ignored and taken advantage of. In your definitions 1022.41 regulation ( V ), you clearly state what accuracy ( a ) and integrity ( d ) are. I know that 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. My right to privacy has been violated. 
I would like for you to investigate these inaccurate and false accounts on my consumer report and have them removed immediately. Please send an updated consumer report upon completion.
Consumer complaint received 2024-02-16
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. (NY)

I am in the process of buying a car and while checking my credit report I noticed these false inquiries affecting my livelihood. I am a new single mom and need to get a bigger car for my son. These damages are causing more stress. These are negatively impacting my emotional and mental state making buying a car a more difficult process. I have already been in breaches and thought you guys were going to protect my information. Now my family and I are being impacted emotionally and mentally. According to, 15 U.S. Code 1681S- 2 Responsibilities of furnishers of information to consumer reporting agencies ; the credit agency has the responsibility to make sure all information is ACCURATE on your report. This is out of my character but this is affecting me. The inquires are fraud.
Consumer complaint received 2021-02-08
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC (FL)

I have paid off my mortgage in XX/XX/XXXX but the mortgage company has not sent me a mortgage satisfaction letter and record it on the county record. Based on the mortgage agreement I signed, the servicing company is supposed to send it to me within 45 days. It has been two months and Lakeview loan servicing LLC still has not sent the letter. 

I spoke to a lawyer and they told me that I will not be able to sell my property. I am planning to list my property for sales and can't do so because the mortgage company didn't send the mortgage satisfaction letter I have called Lakeview more than 10 times. They told me that they will record with the county on XX/XX/XXXX and it didn't happen. I called them again. They told me that they have third party working on recording and will finish on XXXX. XXXX and will keep me post it when it is done. Never heard back anything. I called XXXX XXXX because this loan is owned by XXXX XXXX and they told me to contact you. 

Please assist. Thank you!
Consumer complaint received 2018-02-10
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Blackhawk Network Holdings Inc. (MA)

I purchased a XXXX XXXX Card in the amount of {$200.00} on XX/XX/XXXX I registered the aforementioned prepaid card in my name on XX/XX/XXXX by calling the number provided on the card I was informed by a customer service representative that the card was inactivated due to prior transactions attempted before the card was activated. These transactions were not authorized by the cardholder. 

The customer service representative refused to issue a new card number without a fee, despite the card number being compromised before purchase.
Consumer complaint received 2018-01-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (TX)

In XXXX XXXX, I asked XXXX XXXX XXXX of XXXX XXXX, preside on XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas to represent me in a divorce case against my now ex-husband. I signed a contract with her, with her promise to do accordingly. But by XXXX, when the final decree was submitted into the court from my ex-husband, XXXX XXXX had not noticed nor notified me because she had failed to keep track of my case at all. Every time I texted or called, it took at least 3 days or a week before I got her answer, and that was because she was my client at the XXXX I worked at, so when I saw her at her appointment time, and cornered her, i got your case is fine. This had been the face of our working relationship on this whole case the whole time. In XXXX XXXX, the case was finalized without her knowledge and mine. When i pressed her, asking that i wanted my case to be done by XXXX, she said my ex-husband had never responded to her. Turned out, she had never sent anything to him per court log. I pressed and she sent in a jacked up decree which she plastered my name on the front page, and someone elses information in the back, and called it work. So she did not send me a copy like she promised, and at this point, the case was already done! In XXXX, i had another attorney looked into it and discovered this whole scam. I texted and called which she did not answer. I even asked her daughter to tell her to contact me, at which, she did not even answer. I asked Chase bank to get my money back, which I paid with check and debit cards. They said they could not because on the contract said all fees are non-refundable. So i ask you, even when i signed a contract, but if the person refused to do the work, I would still have to pay her? Chase did not have their customers interest at their heart, and did not even try, especially when I have all the proofs that she did not deserve the money. It is my hard-earned money, and my wrongly placed trust. In a million year, I would never thought a person I knew for almost 10 years would do such a thing to me.
Consumer complaint received 2022-09-11
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. (GA)

To whom it may concern, I recently reviewed a copy of my credit report and noticed that my personal information is incorrect and needs to be updated as soon as possible. The Fair Credit Reporting Act states that all information listed on a consumer 's credit report must be accurate and complete. 

My legal name is XXXX XXXX, this is the only name that should be listed on my credit file. Any other listings that have been placed on my credit file please remove as soon as possible, correct and update my name. 

My employee is XXXX XXXX XXXX, please remove any other listings you have placed on my credit file. Please update my employment history as well. 

Please delete the address XXXX XXXX  XXXX XXXX, Georgia XXXX. This address is incorrect. My correct address should be listed as XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX Please promptly remove and update my correct historical data. 

Sincerely, XXXX XXXX
Consumer complaint received 2018-01-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (NJ)

I bought a home in XXXX, 2017 and my mortgage with XXXX was bought by Fifth Third Bank Mortgage in Ohio. I have made every payment prior to the due date. I was informed of the transfer of mortgage by way of a bill and called Fifth Third who told me that a Welcome later would come in a few weeks ( not sure why a bill comes before a welcome letter ) and was assured that there would be no issue that I made my payment to the previous mortgage company because federal law gave me 30 days protection. 
I have been proactive and contacted Fifth Third every month and spoke with managers with no avail. I send a letter pleading with the CEO asking for help. I have provided documents, bank statements, copies of checks. My own bank, XXXX XXXX XXXX XXXX has faxed copies of documents verifying. I have followed through and been told they did not receive items. I was told that they called XXXX XXXX and XXXX XXXX has sent everything period. When asked if they have requested a payment history they have not. The payment history clearly shows all payments. I have spoken to more people then I can count and am frustrated beyond belief. Yet bills still come saying I am behind on payments as well as phone calls. I have had to tell my story over and over again. 
I can not fix something for a company I do not work for. They have gone so far as to have their collection department harass me by contacting me via phone ad nauseum while I am trying to work. Please I beg you for assistance to get this matter resolved. I am at a loss of how to fix incompetence for a transfer of a mortgage in which I work for none of the companies but have provided documentation to verify payments made when I had nothing to do with this since it is clearly a servicing transfer issue. But Fifth Third has been very clear that this is in fact MY problem not theirs even though I have sent multiple emails and faxes of documents stating all payments received. To say it is frustrating does not begin to express what I have dealt with. Mistakes happen but the harassment and inability in 4 months to fix this is inexcusable.
Consumer complaint received 2022-08-11
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. (MD)

To whom it may concern, I am writing to request information about the account XXXX XXXX XXXX on my credit reports XXXX as well as TRANSUNION. As per Section 609 of the Fair Credit Reporting Act, I am entitled to see any sources or documents you have on record regarding this account, including the original contract with my signature and the credit application.
Consumer complaint received 2017-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Americas Car-Mart, Inc. (AR)

Auto finance companies use the shot XXXX approach on my credit report Now I have several hard damaging inquires on my report cause me to be denied for anything I apply for
Consumer complaint received 2017-12-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Debt Recovery Solutions, LLC (WI)

I received a notification today that a collection was added to my credit report in the amount of XXXX. I did not receive any dunning letter or written notice allowing me a chance to dispute the validity of this debt before being placed on my reports. That is a violation of my rights and I want this alleged debt removed from my credit reports immediately!
Consumer complaint received 2016-09-21
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: SLM CORPORATION (NY)

Hello, I have a student loan with SallieMae. They keep giving me harassing phone calls. When I tried to make a resolution with them, they did not want to work one out for me. I explained to them that I am having a financial hardship at the moment, since my apartment was broken into two times. But, they did not want to hear it. Please advise or help me regarding this situation. Thank you. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

Please see the exhibits below. I have several accounts of which a tender of payment was tendered, with acceptance and credits applied to the account, with the account in a status, warranting a refund, of which only XXXX sent. XXXX, the account was reported paid and closed XX/XX/XXXX to XX/XX/XXXX. I actually sent several {$12000.00} payments, which they kept and processed, meaning they have double payments ( securities fraud ). There were never late payments on that account, being that payments automatically came out of my account and then the account was in a paid status. I have submitted reports to FTC, SEC, and FINRA against XXXX and XXXX XXXX XXXX  XXXX Child Support, {$8000.00} was sent and applied to the account, furthermore, two {$8000.00} payments were sent and accepted and applied. XXXX, {$27000.00} tender of payment was sent, XXXX and XXXX to XXXX, and NO late payment ever occurred, that is false, and it was applied to the account, with a refund of {$1200.00}, and the account is now paid and in closed status. The lien release of the title was sent as well. XXXX, fraud was committed by them and the Merchant company the loan was originated. However, a tender of payment of {$13000.00} was sent and applied to the account, with a paid in full and no payment due status. A payment was tendered to the Investor, XXXX XXXX, for the mortgage account with XXXX. XXXX is NOT the lender, and was never the lender of that account. They committed mortgage fraud and misrepresentation of the origination of the loan, causing an imperfection. They have sold and traded the loan to third party investors, causing a break in the chain of documents. I sent a payment of {$160000.00} to the investor and the indentured trustee. I am NOT late on that account, and should be immediately removed. I have reported XXXX to FINRA, SEC, CFPB, and Congressional Inquiry for their fraud and racism. Also, all inquiries on my account made after XX/XX/XXXX are not authorized. I received several phone calls from merchants saying XXXX, XXXX, and Transunion sold my information to them, and they processed my credit ( without my authorization ) to obtain a mortgage loan or refinance. ALL inquires need to be removed, they were NEVER authorized by me. My name is XXXX XXXX XXXX or XXXX XXXX XXXX. Any other name is legal fraud. Please update my account accurately. If you refuse to update these accounts I will have to pursue legal remedy, and each violation will accrue a {$1500.00} per violation per month it keep reporting.
Consumer complaint received 2022-02-28
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

i had unauthorize purchase made on my BANK OF AMERICA EDD PREPAID CARD, as soon as i found out about this, ,i contacted the bank, file the claim back in XX/XX/2021,,, the claim i file was for {$1600.00}, ,but the person who took my claim file it for {$14000.00} wich i call them an reported the error,,, well aperantly my claim got decline for thtat amount, so i have to re summit the claim with the right amount an basicaly they bein having me call evry week an file it again an again, ,an they still have not giving me the money that it was taken from me... just like it was me who bein callin them an reporting the unauthorize purchases on my card.but is like they bein making me go thru loops, ,an id gotten me nowhere with this people, ,i read on the their policy about tempory credit an in have not bein treated fair, ,i bein victimized by the person or persons who use my card an bein victimize by bank of america who has not invistigate my claim an living me with zero,, with no money an bein unemplyed cause of covid..
Consumer complaint received 2020-08-19
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reportsI never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. My initial disupte was sent on XX/XX/2020 and 30 day letter to comply was sent on XX/XX/2020.
Consumer complaint received 2021-03-24
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. (AL)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 10. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 11. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 12. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 13. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Consumer complaint received 2018-01-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc (GA)

Since XXXX I have been trying to work with this company on removing and verifying my Identity and signature as I never had any goods or service from them and the account or service provided was due to Identity Theft. I provided the company with a copy of the Police report, Identity Theft report, My Driver 's License and Social Security Card as they request only for the company to update the information with my current information provided to them as they did n't originally have this information but sent a response back to the credit bureau as being a valid account and added additional charges to the outstanding fraudulent balance. Updated Credit Report with ( Acct INFO Disputed by Consumer : Placed For Collection ) Even though they have the Police Report, Identity theft Report and an valid Id Showing my address for the last 6 years along with a company of my social security card.