davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-19
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credence Resource Management, LLC (ME)

Caller would not identify where they were from. I asked several times and told the gentleman that if he would not identify where or what he was calling about, I would not speak with him. He finally said that he was calling to collect a debt from XXXX XXXX XXXX. I asked him to send me a bill and that I would take care of it. He said that he had sent one in XXXX and continued to tell me that since I was on the phone I should pay him now. The beginning of the call was uncomfortable to begin with. I do not trust giving someone that refused to identify himself in the beginning any money over the phone. We went back and forth several times and I was cordial and firm asking him to please send a bill so I could take care of it. He threatened to add it to my credit report. I am not denying that I owe a debt, I just asked the gentleman, if he is with XXXX XXXX XXXX, to send me a bill and I would pay it. I take responsibility, but I do not feel like I deserve to be threatened and harrassed. Unfortunately, I was diagnosed with XXXX XXXX in XXXX and was in the midst of an XXXX XXXX regimen that lasted until this month. That is no excuse, but this debt obviously slipped through the cracks. I just don't believe that I deserve to be treated this way.
Consumer complaint received 2020-05-19
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Comerica (CA)

Direct. Express comerica bank direct deposit for government benifits is a very unprofessional thought it was a scam. Took 22 tries to get to customer service to talk to some one when card was stolen. Never asked me anout last charges no fraud dept. Said they were sending card 2 days 7 days no card called and called and called final getbthrough the card was never sent they cancalled card sent another one 2 day mail after a aweek using card it dosnt work cant use online purchaes gas staion etc. I call again card number invalid tell me to use. XXXX another scam company. What the hell i have a credit card with invalid number they tell me use XXXX are u serious. I had to order another card third card pay another XXXX to get it here in 2 days plus XXXX for replacement card. Its there fault they did something to my card worked then all of a sudden invalud card atm dosnt work either .complete unprofessional scam a bench mark card of us treasury
Consumer complaint received 2021-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I have reached out to XXXX, XXXX, and Experian for the last year or so regarding inaccurate information that is being reported on my credit file concerning bankruptcy. Every time I would reach out to these three companies, to have them remove this bankruptcy due to inaccurate information, they keep stating the company that reported the information to them has certified to their company, the information is accurate. I've asked them several times to provide me with the name of the company and the name and the telephone number of the person, who verified the information, and the documents that were sent to your company to verify this information. Also, these 3 bureaus companies are lying and reporting false information because I reached out to XXXX XXXX and I called them and they stated that you all have not reached out to them because they dont have anything on file and Ive also included the letters that I received from them as well and also I included a letter from the courts stating that they do not report anything to the credit bureaus. So, how are you really verifying this information? Once again, please delete/remove this bankruptcy and send me an updated copy of my credit report. PLEASE DELETE IMMEDETIALY.
Consumer complaint received 2024-02-08
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)

Per the Fair Credit Reporting Act as a Federally Protected Consumer, according to the 15 USC Code 6802 a financial institution may not directly or through any affiliate disclose to a nonaffiliated third party any nonpublic personal information unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. XXXX, XXXX and Trans Union are third parties. I have the right to make sure my private information is not shared which is backed by 15 USC 6801. It states It is policy of the Congress that any financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non public personal information. 15 US Code 1681a Reporting Transaction History is illegal. According to the Privacy Act of 1974 it protects records about individuals retrieved by personal identifiers such as name, social security number or other identifying number or symbol. Individuals have the right to seek access to and request corrections or accounting of disclosures of any such records maintained about him or her. I am NOW opting out of any and all authorization I the consumer may have given written, unwritten, verbal and non verbal Per 15 USC 6802.
Consumer complaint received 2024-02-08
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)

I want to emphasize that I did not authorize these accounts, and their existence is causing me considerable distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report.
Consumer complaint received 2020-12-07
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: SUNRISE CREDIT SERVICES, INC (FL)

I am writing to SUNRISE CREDIT SERVICE agency because I am having difficulties with buying a house and applying for new credit cards. I paid the collection and do not owe anything, but the mark in Experian report prevents me from achieving the desired results. 
I am kindly requesting SUNRISE CREDIT SERVICE agency to remove this collection from my credit report as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.
Consumer complaint received 2020-05-19
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. (GA)

I am writing this due to non-compliance with the ( XXXX, Experian, XXXX  ). They have failed to remove information that was affiliated with personal details that were challenged in the pass. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I am writing to submit a complaint in reference to the following information that XXXX XXXX XXXX XXXX supplied to XXXX, Transunion and XXXX credit bureaus ; whose report has incorrect information that has not been updated in reference to XXXX accounts ( XXXX open XXXX XXXX XXXX XXXX XXXX opened XXXX XXXX ) Prior to the Pandemic I had an Impeccable Payment history XXXX credit score, I value being a financially responsible client. However, during Covid-19 I suffered from a major hardship, I had a great death in my family, and I lost my former husband, who at the time was my primary source of income. I also was laid off from my Job due to major cutbacks. Being a Widowed wife and a mother of XXXX It was hard to meet all my financial hardships. Nevertheless, I did not want to neglect my financial obligations. If you check the history on my account, I have never missed a payment from the time I opened my account in XXXX until the pandemic. In XXXX I reached out to your company to request hardship payment options, I agreed to do a settlement with your company, hence each account was paid. I was informed that the account would be kept current, no late payments will be reported due to me agreeing to settle the account and Care Act.

According to the Cares ACT, the CARES Act states if you make a debt-relief agreement, that creditor must continue to report the debt as current. Therefore, no late payments should reflect my credit file during that time. I Request that XXXX XXXX remove all late payment history as soon as possible to be in compliance with the federal law. To ensure that creditors adhere to the Federal Law which prohibits Negative Credit Reporting according to The CARES Act signed into law on XX/XX/XXXX, Act to amend Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during COVID -19crisis. ( 15U.S.C. 1681s-2 ( a ) ( 1 ) ( F ). ) This has been an ongoing issue. I have reached out to them in XXXX XXXX, and just recently XXXX XXXX via dispute through my credit bureau, however both accounts remain the same inaccurately Late Payment history. 
Please reinvestigate this matter and contact the nationwide credit bureaus to have them delete the disputed late payment items as soon as possible.
Consumer complaint received 2021-09-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SG and Associates (NM)

On XX/XX/2021, I receive an email from XXXX XXXX  stating there had been a significant do in my credit score rating. I immediately loved into my account and to my surprise discovered that not only did I have some {$480.00} in collections but it was something that I knew NOTHING about!! Upon further investigating the matter, I saw that it was a debt in the amount of {$480.00}, that was apparently taken out on the XXXX of XXXX, XXXX, with a company called XXXX XXXX XXXX XXXX, which I KNEW absolutely nothing about. Not only had I never heard of them but had no clue what type of product of services that they offered that they were claiming I owed a debt for?? I have been working with XXXX XXXX  to rebuild my credit for the last few months and have not taken out ANY new debts! Their this tells me that it could be two things. One that someone fradulently took out a debt in my name and with my information with them intent of never paying on it or paying it back because it wasn't in their names. Or Two, that the business in question XXXX XXXX XXXX XXXX, misconstrued information in their records and their numbers are incorrect this reflecting on MY credit report. Regardless of the incident, I WANT MY CREDIT RESTORED! I want this removed from my credit and want the situation investigated if it was some type of fraud situation. I have tried reaching out to the company directly and they asked for a police report of a report from the FTC regarding this incident. I don't know enough information to file a police report so this is my attempt at getting there ball rolling and lighting the fire underneath this company to remove this from my credit. I have filled a dispute with XXXX, I have filled as formal complaint with the XXXX XXXX XXXX and now with you guys. Hopefully something gets done!
Consumer complaint received 2024-02-08
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. (WI)

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 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To Whom It May Concern TransUnion 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  To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - REPORTED XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX REPORTED XX/XX/XXXX - XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX REPORTED XX/XX/XXXX ADDRESS : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX THESE NAME VARIATIONS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  THESE EMPLOYERS DO NOT BELONG ON MY PROFILE EMPLOYER : XXXX XXXX  THIS NOTICE SHOULD NOT BE ON MY CREDIT REPORT ; ATTACHED IS MY SSN GIVEN BY THE GOVERNEMNT The issue date of the Social Security number that you gave us when you contacted us is not verified by the Social Security Administration.

Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last XXXX months, or the last XXXX years for employment purposes.

Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past XXXX  months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within XXXX  days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-08
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. (OH)

This account is fraudulent. Please remove this off my report. Someone had my social, pictures of ids on dark web and my credit has been beyond messed up. I finally can lock it but please remove this is fraud!! I am back in the process of fixing my credit and for some reason u guys keep closing and reopening the account. Please remove this off my credit report. It's fraudulent. I am in the process of buying a house right now and because of this fraudulent activity i will have to pay a higher APR and my family needs to move ASAP. Please remove these illegal/fraudulent accounts off of my credit report ( Transunion, XXXX, XXXX ) PLEASE!!! 


**They keep closing and reopening XXXX  accounts that was fraudulent which keeps causing my score to fluctuate back up and down. Can we please get this removed? XXXX removed these XXXX accounts from my report 9 months ago. I have no clue why I have to keep fighting with transunion and experian and then they keep reopening and closing a fraudlent accoubnt! PLEASE HELP! 

PLEASE HELP!!! 


***************************************** XXXX XXXX XXXX Balance {$1200.00} Balance updated XX/XX/year> ***************************************** XXXX XXXX XXXX Balance {$840.00} Balance updated XX/XX/year> This is TOTAL IDENTITY THEFT AND I WOULD LIKE THIS REMOVED. I FINALLY INSTALLED XXXX XXXX AND SURE ENOUGH MY INFORMATION WAS ON THE DARK WEB I MEAN YOU GUYS CAN SEE FOR YOURSELF. PLEASE PLEASE PLEASE REMOVE THESE ITEMS OFF MY REPORT SO I CAN LIVE AND GET MY NEW HOUSE PLEASE THANKS! 

XX/XX/year>
Consumer complaint received 2022-08-06
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 XXXX XXXX account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2017-03-22
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: WELLS FARGO & COMPANY (MA)

I have XXXX student loans serviced by XXXX ( XXXX ). I refinanced both loans into a single loan with Wells Fargo, and my husband cosigned the loan. According to Wells Fargo, they sent a check to XXXX on XX/XX/2017, and began accruing interest on the balance they had lended to me. It is now XX/XX/2017, and XXXX is saying they never received the check from Wells Fargo, and that I am late on my XX/XX/XXXX payment to them. I have already paid the maximum that I can afford to Wells Fargo for the month of XX/XX/2017, because I did not know that I would have to pay both loans simultaneously. 

I have had multiple conference calls with XXXX and Wells Fargo customer service representatives. XXXX says that Wells Fargo has to provide an image of the check and proof that it was cashed, if in fact the check was cashed. Wells Fargo says that they can not provide that. 
Also, Wells Fargo says that it can take 60 days for the check to process, but by that time, I will be 63 days late on my payment to XXXX, and XXXX says they will go to the credit bureau by this time. This will damage my credit. I essentially am burdened with twice the debt that I originally had, and am offered no solution from either bank, but to pay XXXX for a 60-day period until the payment processes. 

My XXXX account is under My maiden name ; XXXX XXXX, and my father XXXX XXXX My Wells Fargo account is under my married name XXXX XXXX, cosigned by my husband XXXX XXXX
Consumer complaint received 2021-09-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (OR)

I am exiting a forbearance plan on XX/XX/2021. When I have spoken with my mortgage servicer in the past, they have always assured me that deferment would be an option. It was also my understanding that this was an option offered by Fannie Mae. Now that I am exiting, they have said deferment is not an option but they will review my account to see if a flex-mod is an option. 

In speaking with my mortgage servicer the customer service representative denied any knowledge of deferment and said they believed this option was no longer available. I was placed on hold for a considerable amount of time while the representative waited for a response from someone else. Ultimately they stated that the best they could do was indicate on the flex-mod request that I would like a deferment if that was still an option.
Consumer complaint received 2024-02-08
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. (SC)

Recently I looked at a copy of my credit report and noticed several incorrect accounts. I feel that these accounts are extremely adversely affecting my credit report and costing me thousands of dollars in interest every year. It is my understanding that you will investigate these items for me to ensure accuracy. im demanding the inaccurcies be deleted now. 
Here are the items I am asking you to verify as accurate : XXXX. XXXX XXXX ( Account # XXXX ) XXXXXXXX XXXX  XXXXXXXX XXXX XXXX  ( Account # XXXX ) XXXX. XXXX XXXXXXXXXXXX XXXX ( Account # XXXX ) XXXX. XXXX XXXX XXXX  ( Account # XXXX ) XXXX. XXXX XXXX XXXX XXXX ( Account # XXXX ) After your investigation is complete, please send me the results via mail. 
Thank you in advance, Best Regards,
Consumer complaint received 2021-08-09
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC (MD)

I filed several disputes online via XXXX  with TransWorld about medical collections that have been negatively affecting my credit reports. I filed the disputes and both times they were acknowledged as affected by natural disaster. I then received notice via XXXX  that some disputes and also the collection being reported were dropped. Some of the smaller charges. But via the mail I receive two validation letters for two/three collections. These letters include medical records of the procedures I had gotten whilst at the hospitals. For this reason I fully believe my HIPAA rights were violated and demand the collections be removed from my credit reports in all credit bureaus and the amount due to any and all collections be {$0.00}.