davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-02-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (CA)

I HEREBY DECLARE MY INTENT TO SUE. 

Despite my previous mail correspondence, XXXX has failed to investigate and rectify errors contained on my credit report. Thereby they have violated the Federal Credit Reporting Act, due to which I have lodged complaints with the Federal Trade Commission and the California Attorney General 's office. I am allowing you 30 days to rectify the erroneous information ; your failure to do so will result in my filing suit against your institution. 

I have paid the XXXX {$2200.00} on XXXX for Docket # XXXX. The payments, including all principal, interest, late charges, penalties and assessments, have reduced my account balance to XXXX which closed the account. There should be no further effort to enforce or collect on this account and, therefore, I am requesting that the XXXX follow through with a Vacatur of Judgment, withdraw and/or expunge Docket # XXXX from every county court ( s ). Additionally, when I paid the excess unemployment amounts, XXXX guaranteed to have this judgment removed from all XXXX credit bureaus. They have failed to do so.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Since XXXX of XXXX I have been dealing with Identity theft, after filling a police report when my purse was stolen out of my car, with all of my personal information including my XXXX social security cards, my bank cards and credit cards, even my XXXX unemployment card was stolen. Which resulted in someone taking over {$25000.00} from me during the pandemic. I have sent off credit reports and dispute letters with police report attach to Trans union requesting them to please remove these accounts that have been fraudulently open. With proof of ID showing I do not even stay at those residents listed on credit report. Due to these unauthorized charges on my credit report I did not apply for, please remove immediately. Please validate
Consumer complaint received 2022-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MD)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts and items which do not belong to me or were opened without my permission. 

EXPERIAN : XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$680.00} XXXX XXXX Balance : {$9.00}, XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX Balance : {$14000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX A ) XXXX Balance : {$300.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$440.00} XXXX XXXX XXXX XXXX Balance : {$660.00} XXXX XXXX Bankruptcy Reference # : XXXX Liability : {$0.00} XXXX : XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$680.00} XXXX XXXX Balance : {$9.00}, XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX Balance : {$14000.00} PORTFOLIO XXXX Balance : {$300.00} ( Original Creditor : ) XXXX Balance : {$160.00} XXXX XXXX XXXX XXXX Balance : {$660.00} XXXX  XXXX Bankruptcy Reference # : XXXX Liability : {$0.00} XXXX : XXXX XXXX XXXX Balance : $ XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX Balance XXXX {$680.00} XXXX XXXX Balance : {$9.00}, XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX Balance : {$14000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX A ) XXXX Balance : {$300.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX A ) XXXX Balance : {$660.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$440.00} XXXX  XXXX Bankruptcy Reference # : XXXX Liability : {$0.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2016-02-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (TX)

Have made 9+ disputes ( since XXXX XXXX XXXX XXXX ) with Experian on credit card account with XXXX ending with XXXX. Experian refuses to fix inaccuracies reporting charged off account payment status as late since XXXX XXXX XXXX. XXXX XXXX account charged off XXXX XXXX. Representative stated its Experian right to set policies regarding how charged off credit card accounts are reported. Requested copy of Experian policy regarding reporting of charged-off credit card accounts placed on hold 20+ minutes.
Consumer complaint received 2022-07-19
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION (CA)

On XX/XX/2021 I placed a request for my XXXX service award to pay off my Sallie Mae student loan. Sallie Mae declined the check. After that initial denial, I called Sallie Mae and asked for the specific address and all information needed to send the payoff amount to and specified that the payment would be coming from XXXX. I spoke with two people on the phone from Sallie Mae 's customer service. Despite this, the payment was declined again on XX/XX/2021. Since the initial refusal on XX/XX/2021 to accept the payoff amount, I've accrued more than {$420.00} in interest on the loan and paid {$1100.00} on the loan. As a XXXX XXXX XXXX hoping to pursue a XXXX XXXX to further my XXXX  to my XXXX  this has set me back financially and Sallie Mae has demonstrated no willingness to help with the problem. I called them again after the XX/XX/2021 denial and they refused to offer any alternative method of receiving the payment. I'm thus left with no alternative but to continue to make payments until they accept the payment from XXXX, which I earned by working in a XXXX XXXX XXXX for two years, which I continue to do today.
Consumer complaint received 2015-09-01
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Massachusetts Educational Financing Authority (MA)

This compliant is being filed against ACS Education Services ( ACS ). 
My private student loans ( XXXX loans serviced by ACS ) were recently consolidated and refinanced with a new lender ( XXXX XXXX serviced by XXXX ). Funds were transferred by XXXX to payoff the loan on XXXX/XXXX/2015. Due to the time involved in the application process, the amount of the payment by my new lender exceeded the loan balance with ACS in the amount of {$630.00} XXXX XXXX used the payoff balance as of the time of my application, which did not account for recent payments ). 
Following the payment, ACS deducted an additional {$560.00} from my bank account - apparently they had not yet cancelled the auto debit in spite of the loan having been paid off in full. Thus, my loans were overpayed by a total of {$1200.00}. 
I called to discuss the overpayments with ACS. On XXXX separate occasions I was told that funds would be returned to either me or the new lender ( and applied to the principal balance ), and that the process would take a total of XXXX days. It has now been XXXX days, and the {$1200.00} has not yet been returned. 
I contacted ACS today XXXX XXXX/XXXX/2015 XXXX for a third time requesting a status update. As of today I was told that they need to issue a new request to the department that handles payments/reimbursements, and that the process will take another 30 days - I have already waited XXXX days, much longer than the promised XXXX. During this period I have been out of pocket the {$560.00} that was sent to ACS ( and am still expected to make payments on time to my new lender ), and what 's more, my newly consolidated loans are incurring additional interest due to the added {$630.00} in principal on the account.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I forwarded a letter to the XXXX and Transunion dated XX/XX/2022 to erase this suspicious information. I think you have not validated this account in agreement with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX ; XXXX, and I'm including it again. XXXX XXXX XXXX : {$9100.00}
Consumer complaint received 2017-09-25
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Financial Credit Service, Inc. (MO)

I received a phone call from the company on XX/XX/XXXX. The caller left a voice mail message with a case number XXXX and a number to call back. When I returned the call the agent said that they had sent out a letter and were prepared to file suit and place a lien against my home. When I asked about the debt, they stated that it was for a credit card that I had in XX/XX/XXXX. The person then hung up the phone when I stated that the debt was to old to be collected.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

" On XX/XX/2023, I purchased a vehicle from XXXX of XXXX XXXX, although I didn't finance the purchase through them. I financed through my bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX conducted XXXX credit inquiries. On my credit report, the first inquiry is listed as XXXX XXXX XXXX, and the second one is attributed to XXXX XXXX XXXXXXXX XXXX XXXX I've reached out to their financing department multiple times, and they assured me they would address the matter with their bank. Unfortunately, they have since ceased responding to my calls and emails. I've left voicemails regarding the issue, but there have been no updates
Consumer complaint received 2022-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

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 i have sent specific letters to XXXX XXXX XXXX  XXXX experian asking to them to verify all debts, they have wrong dates, wrong information to them as well. These items shall be removed expeditiously XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

There are too many inquires on my consumer report that is there without my permission. TransUnion has XXXX inquiries, XXXX has XXXX and XXXX has XXXX. I have asked constantly that they take these off because they are there without my permission and they refuse to do so consistently. Please have them do so immediately because I have sent them letters with written instruction on what needs to be deleted from my consumer report for months of XXXX and XXXX and they are not complying. They Violate my rights often as they can. please help.
Consumer complaint received 2015-07-28
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (NY)

We have had this loan for greater than XXXX years, originally as a home equity loan. Late payments were made however payments were always made. We placed it into consumer credit counseling in XX/XX/XXXX when the owner refused to work with us to lower the interest rate so we could pay it off. at this time, we believe it is a negative amortization situation. At this time the owner still refuses to accept a payoff to end the loan ( a reasonable payoff ). We continue to make payments via the consumer credit counseling service and have until XX/XX/XXXX left to pay on it at the current rate. The owner company has more than recuperated their principal amount with interest. The original interest rate was over 20 % and was paid like that for many years.
Consumer complaint received 2022-07-19
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)

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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} TransUnion : XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-08-21
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Rubin Lublin, LLC (GA)

want to settle this civil lawsuit with this organization case # XXXX XXXX XXXX XXXX XXXX see attachment create a fraudulent mortgage loan and now trying to create another one without my consent. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-08
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SEMPER HOME LOANS, INC (IL)

SEMPER HOME LOANS , INC. 
XXXX XXXX XXXX Loan Officer NMLS # XXXX I submitted my initial application on XX/XX/2021 for 2.5 % @ 30 year fixed. He told me I am eligible for {$1000.00} credits as well. I gave all basic info including the SSN for me and my wife, which is all what is required to initiate the application and lock in the rate. I took couple of weeks to upload my bank and income statements and as per FTC site, I have 60 days to submit all documents once I filed initial application and those are required for underwriting processes. No bank has ever asked me to upload all documents within minutes to lock in the rate. However, on XX/XX/2021, I submitted all important documents only to hear that my initial offered rate of 2.5 % is not locked in even after Semper pulled my credit. Also, the loan officer then try lure me to high rate stating I took couple of weeks to upload my income statements, which is only required for underwriting process. I was shocked and came to realize that he is running a scam by luring customers with lower rate and force them with higher rate by using illegal tactics. I request CFPB to kindly look into such illegal tactics and practises and take appropriate action. Thanking you, Sincerely, XXXX XXXX
Consumer complaint received 2015-07-30
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: WESTERN UNION COMPANY, THE (CA)

On XXXX XXXX, 2015 I sent {$100.00} to XXXX XXXX in XXXX for the purpose of buying food.. The XXXX # was XXXX XXXX XXXX. When XXXX went to pick up the {$100.00} he was told that number was not available. I called Western Union and was told that the transaction was cancelled due to a business decision. I Received a refund and attempted to resend the {$100.00} XXXX XXXX XXXX XXXX XXXX ). When I called Western Union to check on this transaction, I was told that I had been placed on a no send/receive list. When I asked for an explanation, I was told it was a business decision with no further explanation. 

I believe that If I have done nothing illegal, I am due an explanation and a means to have my name expunged from this list. I am requesting the assistance of the CFPB in either resolving my complaint with Western Union and be provided an explanation as to why I was placed on this no send/receive list. I would also expect a means to be taken off of said list. 

Your assistance is greatly appreciated
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: EQUIFAX, INC. (NY)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$1000.00}
Consumer complaint received 2015-05-15
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (CA)

The Wells Fargo Bank is deducting money from my account and not reporting it properly on my bank statement. This has happen on XXXX different occasion. Their is a mysterious disappearance of money from my account. I filed several complaint nothing has been done on their behalf to refund my money.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

It has been far too long that I have been dealing with the inaccuracies and errors that the agencies continue to report. While I have worked hard over the past many months there has been no reprieve from the endless fraud that the agencies have continued to report. I am now leveraging my rights under the FCRA and FDCPA to correct this once and for all, since the agencies continue to want to violate laws and report inaccurate information
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

The law states all items must be reported accurately and truthful 15. u.s. code 1681c-1 identity theft blocking information and 1681 s 2b 15u.s code 1692j s 2b cra must block the information within four days and notify thee furnished of the report of the fraudulent data block all current and future reporting.

1. Provide a complete log regarding dates and times you attempted to contact me. If this alleged account was established by another party, then please detail your relationship- i.e., whether you are reporting this information as an assignment or whether you have purchased an alleged account outright. Also provide the account details for at least a year leading to this action, as well as any collection fees or interest and, if you are a third-party collector, your license or bond to collect in my state so that I may confirm your identity. Should you be unable or unwilling to answer, you should respect my consumer and privacy rights and immediately remove the damaging trade line from my credit reports.

I demand that you show me a copy of the items listed in this letter and stated below if you can not produce these items, you must delete them.

2. 1. Validation of the debt-that is the actual accounting.

3.

4. Verification of signed Invoice.

5. A copy of the Contract binding both parties ( you and them ), in a letter by certified mail so that there is an independent witness to it having been delivered. 
XXXX. Please provide the original docurse and wet signature if you can't provide these items Delete them.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I Am Requesting An Re - Investigation From Trans Union LLC concerning COMPLAINT ID XXXX. I am also Filing an Follow Up Complaint As A Federal Protected Consumer To Exercise My Consumer Rights And Resolved Inaccuracy and Unfair Activity In Concern With My Credit report. According To 15 U.S. Code 1681i ( 1 ) ( A ) - Procedure in case of disputed accuracy ( a ) Re investigations of disputed information ; Re investigation required. 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 re investigation 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 Trans Union LLC receives the notice of the dispute from the consumer or reseller. Reporting MY Personal Credit Information to A Non Affiliated 3rd Party Is Illegal. IF Trans Union LLC Failed To Honor The Federal Protected Consumer Laws And My Consumer Rights, Then The Next Step Will Be To Take Legal Action In Federal Court.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1000.00}