davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-07
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: AMERICAN EXPRESS COMPANY (IL)

I already reached out to the credit bureaus and to AMEX for the account number XXXX and notify them of their error posting for this account. It does not complement what the Credit bureaus may claim as a " validated as accurate ''., and I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I had also requested the method of verification, actual proof, physical firsthand documentation of the payment history and proof of last payment but I did not receive what I asked for and these violations persist on my credit report. I just had to escalate to CFPB
Consumer complaint received 2023-03-30
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. (IL)

Dear CFPB, I am writing to dispute a fraudulent collection account that has appeared on my credit reports. The account in question was opened by XXXX XXXX, a debt collection agency, without my knowledge or consent. As a victim of identity theft, I am deeply concerned about the impact that this fraudulent account could have on my credit history and financial wellbeing. 

I first became aware of the fraudulent account when I received a notification from bureaus about a new account that had been opened in my name. I was surprised as I had not applied for any new credit in the recent past. Upon reviewing my credit report, I discovered that a credit card account had been opened in my name without my consent. 

The impact of this fraudulent account has been significant. It has lowered my credit score and made it more difficult for me to obtain credit or secure favorable interest rates. It has also caused me significant stress and anxiety, as I worry about the long-term implications of having a fraudulent account on my credit report. 

I want to make it clear that I did not authorize this account and I am not responsible for the debt that XXXX XXXX is attempting to collect. I have taken steps to protect myself from identity theft, including monitoring my credit report regularly and being vigilant about protecting my personal information. I have also reported this incident to the Federal Trade Commission. 

I respectfully request that you take action to investigate this fraudulent account and ensure that it is removed from my credit report. I am willing to provide any documentation or evidence that may be necessary to support my case. I believe that it is important to hold companies like XXXX XXXX accountable for their actions and protect consumers from the harmful effects of identity theft and financial fraud. 

Account details : XXXX XXXX - XXXX. XXXX XXXX Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2015-10-17
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: American First Finance, Inc. (CA)

i went and bought bedroom furniture and after they delivered it and left the loan papers I found out that I was paying more in interest then what I paid for the merchandise. after then furniture is paid off I will still owe them in interest. found out I was paying 120 % in interest when California law is only 10 %. I am not renting the furniture at all as I am buying it on a loan. am inclosing the full contract
Consumer complaint received 2024-02-11
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. (VA)

From XX/XX/ to XX/XX/ my score went down XXXX XXXX. It says I must have been late on a payment. Rather than being late I paid an extra {$6500.00} on the loan. I am paid in advance. I have never made a late payment. I disputed with XXXX XXXX, XXXX and Trans union. The all responded back that I have never had a late payment and I am even paid in advance but my credit score has not been adjusted back up.
Consumer complaint received 2022-08-24
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: Experian Information Solutions Inc. (GA)

I sent a letter on XX/XX/22 to Experian and XXXX to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) Experian and XXXX are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX and XXXX & I am including it again., 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
Consumer complaint received 2021-04-07
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. (NH)

1 : ) XXXX XXXX Current Balance showing : {$8700.00} Opened on : XX/XX/XXXX Included in Bankruptcy on XX/XX/XXXX I've contacted Experian  multiple of times to update this account to reflect accurately per federal law. I've " disputed '' this with Experian  multiple of times in excess of 4 times from XXXX up until now, XXXX. Experian  and XXXX  has stated this multiple of times : That the data furnisher says that XXXX XXXX XXXX reporting is in fact accurate and will remain. Federal Law of these United States of America dictates otherwise according to the FCRA regulation ; also known as : Fair Credit Reporting Agency. 

XXXX told me they will report it correctly ; however, this did NOT happen. 

I believe that Experian 's, XXXX XXXX and XXXX XXXX  are being purposely negligent and uncooperative and deceptive for reporting these information correctly on my credit report. I have included and gave them the official schedule for my bankruptcy multiple of times. They have failed to yield multiple of times.
Consumer complaint received 2022-07-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (AL)

I was married and my husband bought this house in XXXX. He put everything in his name and I was naive about this. In XX/XX/XXXX I suffered XXXX XXXXXXXX, he was convicted, he asked for a divorce and I was awarded the house in the court settlement, XX/XX/XXXX. The settlement also instructed him to allow me to speak to the financial institution, Freedom Mortgage, about the mortgage. He did not follow this order- although he continued to pay for the mortgage. The settlement further indicated that if he did not follow the order, that the court settlement would serve as approval for me to speak to the mortgage co. ( see divorce settlement attached, Section 1.1. A, B, C ). Unfortunately, my husband, unknown to me, ceased making the mortgage payments. He also had his bills sent to his parents house during and after our marriage so I never saw any bills ( I was naive in all this ). In late XXXX, my in-laws informed me of a letter to my former husband from a law firm. They gave it to me ( he has been out of contact with anyone for several weeks ). This was a foreclosure letter for XX/XX/XXXX. I have tried repeatedly to contact the mortgage company to allow me to see the bill, pay the mortgage and stop the foreclosure. They will not acknowledge the court settlement nor communicate with me out of their greed - because my name is not on the mortgage even though the house was awarded to me. This is life altering for me and my XXXX and XXXX XXXX XXXX. I am desperate and writing everyone and anyone to help. My husband was nefarious and controlling from the start. I was naive. have a XXXX XXXX that has impacted my ability to deal with him well. Freedom Mortgage is taking advantage of me and my family by not even allowing me to bring the mortgage up to date and stop the foreclosure. Please help.
Consumer complaint received 2024-02-10
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. (CA)

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. 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 2021-04-07
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. (NH)

1 : ) XXXX XXXX Current Balance showing : {$8700.00} Opened on : XX/XX/XXXX Included in Bankruptcy on XX/XX/XXXX I've contacted XXXX  multiple of times to update this account to reflect accurately per federal law. I've " disputed '' this with XXXX  multiple of times in excess of 4 times from XXXX up until now, XXXX. XXXX  and Transunion has stated this multiple of times : That the data furnisher says that XXXX XXXX 's reporting is in fact accurate and will remain. Federal Law of these United States of America dictates otherwise according to the FCRA regulation ; also known as : Fair Credit Reporting Agency. 

XXXX told me they will report it correctly ; however, this did NOT happen. 

I believe that XXXX XXXX, XXXX XXXX  and Transunion 's are being purposely negligent and uncooperative and deceptive for reporting these information correctly on my credit report. I have included and gave them the official schedule for my bankruptcy multiple of times. They have failed to yield multiple of times.
Consumer complaint received 2024-02-10
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. (AR)

i am a natural person, i am a livng human being. i have right under 15 usc 1681 transUnion is goven by 15 usc 1681. and they violated my right numerous of times. i demand the accounts listed below be removed because According to 15 USC 1681 i have the right to privacy I did not give XXXX written permission to furnish these accounts XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-10
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. (NY)

My information was sold and bought illegally because I was a victim of the XXXX, Trans Union, XXXX data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that XXXX, Trans Union, XXXX has admitted that I was in fact a victim of this data breach and XXXX, Trans Union, XXXX has done nothing.Please help me delete these illegal accounts from my credit reports.
Consumer complaint received 2022-01-18
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: FIRST HORIZON BANK (TX)

Iberiabank transitioned certain mortgages to First Horizon at the end of XXXX. The last communication sent to me was on XX/XX/XXXX indicating that the transition was delayed into early XXXX. No further information was provided by First Horizon either by e-mail or paper notice as to 1 ) where to setup the account 2 ) The new loan number post-transition 3 ) Date the transition was effective or 4 ) How to setup automatic recurring payments through their site. As a result, the only indication that I received that my loan was now being administered by First Horizon was that I had a hit on my credit report for a delinquent loan. I had to call the company and go through customer service to figure out what had happened. I had received no electronic or paper notification of interest owed or that my previous bank account was no longer being auto-drawn to pay interest. Customer service also indicated that they had incorrectly set the first payment due date to XXXX instead of XXXX. I have received no assurance from First Horizon that they would correct the credit reporting - only that they would " review '' it. First Horizon did not properly communicate to previous Iberiabank customers relevant information required to allow customers to effectively continue payment on their loans unabated and made no effort to contact customers prior to taking credit reporting actions.
Consumer complaint received 2019-02-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MiraMed Revenue Group LLC (TX)

Recvd phone call in XX/XX/XXXX from a company called MiraMed Revenue. A man named XXXX called to inform that I owed {$930.00} for a XXXX XXXX procedure done by my XXXX XXXX XXXX XXXX back in XX/XX/XXXX. I told him we have recvd nothing regarding an outstanding debt from our XXXX  or the XXXX XXXX company. I told him then that means if it was owed thennit was also paid already. He assured me it wasnt paid and that it was outstanding and owed. And that he had not the bad debt on my credit report yet. ARE YOU KIDDING ME????? Thats harassment. I told him we have received nothing on this balance!!!! I told him then I would need to check with my doctors billing Dept as well as my husband and would call him back. He proceeded to tell me he would be willing to negotiate the {$930.00} if I was willing to pay today. A red flag went off right there. I did call my doctor and they proceeded to call the XXXX XXXX company and indeed, the bill had long been paid. This is ridiculous. Why are they not required by law to confirm and reconfirm before a single phone call is made that a debt is indeed outstanding?? Unless they are intentionally hoping to scam someone out of money already paid. These are the kind of companies that take advantage of elderly people or non English speaking, or even inexperienced people because of their persistence as well as their lack of desire to check on a balance a customer says has been paid. Why wouldnt they be required then and there to check with company they are collecting for??? Because its just as easy for them, when they get caught collecting again, to just plead ignorance or call it a misunderstanding. Baloney. Stop these companies from being lazy and require them to do their due diligence before placing a single call. It was a waste of two hours out of my day trying to gather information from a year ago to prove to them this balance had been paid. Infuriating. 
XXXX 
XXXX
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX bought a loan from XXXX starting XX/XX/202 for our XXXX installation. We have had this loan for about 8 years and never missed a payment. XXXX said they transferred XXXX XXXX payment over to XXXX on XX/XX/XXXX. XXXX has been contacting me since XXXX saying we are late and they never received payment. I sent them bank statement proof through the online portal. They said they don't see it. I have called them at least twice a month from XXXX through XXXX On XX/XX/XXXX XXXX did a 3 way call with them and me and verified payment was received and sent over. They also sent an email that day with accounting proof of payment. My credit score has been tanking recently since they are showing me delinquent over 60 days. There is only one number to call which is customer service. I can not speak to anyone in authority there. They promise someone will call me after every phone call. I have yet to hear from anyone. They are still saying I owe now for XXXX, when they payment was made on XX/XX/XXXX.
Consumer complaint received 2023-03-30
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. (NJ)

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validatedthese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

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
Consumer complaint received 2022-01-18
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Atlantic Recovery Solutions LLC (CA)

Atlantic Recovery Solutions has been contacting me multiple times both at work and my cell phone through calls and text. On XX/XX/XXXX, I spoke with a representative and told them that they may NOT contact me until I have something sent via mail verifying the debt and that they own it. They agreed and get I receive a text on XX/XX/XXXX in which I reply with the same information and add that they may also not contact me by phone text or at work. Minutes later I receive another call from them despite the second request. I remind them that this is a violation of the FDCPA. The calls need to stop and they need to send the verification information ONLY in writing.
Consumer complaint received 2022-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENOVA INTERNATIONAL, INC. (UT)

I contacted the creditor " NetCredit '' on XX/XX/XXXX, to ask them to please contact the credit bureaus to have my account balance reflect the correct balance of Zero dollars, which NetCredit shows as paid in full back on XX/XX/XXXX. ( attached ). They informed me via email that they report to both XXXX and XXXX every month about my the repayment history, but to this day my credit report ( attached ) still shows {$140.00} outstanding balance ( line 012 ). It's been 12 months since I paid this account in full. Any help in getting this corrected would be appreciated. Thanks
Consumer complaint received 2021-04-07
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. (NC)

This complaint is in response to complaint # XXXX. Your claim that there is an unauthorized party in my complaint is totally false and baseless. I submitted my complaint on behalf of myself and even have an affidavit of truth under the penalty of perjury notarized in my documents so this complaint was clearly submitted by me. Funny when you know the law Experian likes to send out stall responses instead of complying with Federal Law and addressing facts, however I will not be deterred as I am resubmitting my original demand and Experian needs to address the facts I have presented. 

The Fair Credit Reporting Act is intended to secure my right to privacy and my privacy has been breached. Pursuant to 15 USC 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. Notice Congress said the consumer has a right to privacy. EXPERIAN has infringed on my right to privacy. First of all no one gave them this role, they assumed it pursuant to 15 USC 1681 ( a ) ( 3 ). Second of all pursuant to 15 USC 1681b ( a ) ( 2 ) I never gave them written permission to furnish anything on my consumer report. No consent is IDENTITY THEFT. I demand that the following accounts be removed immediately from my consumer report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX COLLEGE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am also demanding to be compensated via check {$1000.00} per violation totaling {$15000.00} pursuant to 15 USC 1681n.
Consumer complaint received 2023-03-30
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. (IL)

You have no rights to report this bankruptcy in my credit report! There are different date file/reported and even the closing dates. This is absurd! I have the letter from the court that says they don't report this bankruptcy to you and this is from an unauthorized third party!
Consumer complaint received 2021-04-07
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. (CA)

There are 8 accounts that are not mine they are on my credit report I have disputed them I have reached out to the bureaus and nothing is being done I am tired of this and going back and forth I need help. 

Account Name : XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX BANK XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX XXXXccount Number : XXXX Reason : Unverified account Account Name : XXXX XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX BANK XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX  Account Number : XXXX Reason : Unverified account Account Name : XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX Account Number : XXXX Reason : Unverified account Inquiries Creditor Name : US SM BUS ADMIN ODA Inquiry Date XXXX XX/XX/2020 Reason : I don't recognize this inquiry Creditor Name : XXXX  CARD Inquiry Date : XX/XX/2020 Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry date XXXX XX/XX/2020 XX/XX/2020