davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc. (CA)

I had called Aidvantage to request a refund of all student loan payments I made during the XXXX period. The Aidvantage representative who helped me at that time had submitted my request for processing, on XX/XX/2022. 2 months later ( XX/XX/2022 ) I check my account and noticed that only a partial amount of the refund was reinstated to my account. I immediately called Aidvantage about that discrepancy and the representative informed me that whoever submitted my initial request had filled it out incorrectly and only submitted the partial amount, which the XXXX Treasury had approved/processed. So now, I had to request a second refund request for the remaining balance, and it'll have to go through the entire waiting process all over again. I am very upset that the first representative had submitted the first request incorrectly because now I have to wait another 2 months to get that resolved. 

I'm sending this complaint in with the goal of communicating my frustration and for Aidvantage to do their jobs correctly because now I need to wait for the second request to be processed before applying for the XXXX XXXX XXXX.
Consumer complaint received 2022-08-14
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. (FL)

This company is furnishing data without my written consent in clear violation of 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. In pursuant to 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the expressed permission of a court of competent Jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. These companies are calling me XXXX times a day, calling family members and friend XXXX times a day in clear violation. 

Pursuant to 18 USC 8, I owe no debt.Company is violating my consumer right to privacy pursuant to 15 USC 1681b XXXX.Company also has NO permission to report ANYTHING using my information pursuant to 15USC1681 XXXX
Consumer complaint received 2022-10-22
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (MS)

USAA was sent a certified copy of a letter to validate the debt that they say I owe. The amount of the debt is {$6500.00} and it is reported as a charge-off on my consumer report, to this day the account is being reported late with missed payments also no XXXX form was sent to fill out, As Defined By The IRS : Even if you didnt receive a form XXXX, you MUST report the canceled debt as gross income on your tax return. The IRS clearly defines a charge-off as gross or ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT! By definition, the IRS clearly says a canceled debt or charge-off is income. The reporting of this account as debt is inaccurate I gave them 30 days exactly and no response was given within that time frame. I then sent a notarized copy of my cease and desist letter demanding they remove the account from my report within 10 days being that I had not been shown any validation. The cease and desist letter allotted them 10 days to remove/respond to the letter. Again, no response and no removal. Certified tracking # XXXX They are violating my rights under 15 USC 1681 s-2-Responsibilities of furnishers of information to consumer reporting agencies 15 USC 1681 section 602 A-states I have the right to privacy 15 USC 1681a Section 2-Definitions ; rules of construction/Exclusions 15 USC 1681b-Permissible purposes of consumer reports
Consumer complaint received 2022-06-19
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. (MI)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX IN Account # XXXX, XXXX CARD SERVICES Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX MI XXXX XXXX XXXX Account # XXXX, 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.

15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court or competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Consumer complaint received 2022-08-13
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)

In a accordance with the fair credit reporting act XXXX account # XXXX below has violated my rights XXXX5 U.S.A 1681 section 602 A states I have the right privacy.

15 U.S.A 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692 section 805 A section 3 states as the consumers place of employment if the dept collection knows or has reason to know that the consumers employer prohibited the consumer from receiving such communication 15 U.S.C 1692 section 805 A states dept collector may not communicate with a consumer in connection with the collection in any dept at any unusual time or place known to be inconvenient to the consumer 15 U.S.C 1692 section 806 section 5 causing a telephone to ring or engage any person in telephone conversation repeatedly or continually with intent to annoy, abuse or harass any person at the called number 15 U.S.C 166b A creditor may not treat a payment on a credit card account under and open end consumer credit line as late for any reason XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX XXXX # XXXX XXXX XXXXXXXX XXXX  # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX
Consumer complaint received 2022-05-05
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (AL)

XXXX XXXX is continuing to harass me for a debt I do not owe. XXXX was notified prior to me moving out in XXXX of 2020, that I had contracted COVID and was going to go ahead with moving. I paid my last months rent and moved. I had the unit cleaned in XX/XX/2020 because that is when I moved. I had the junk removed from the cleaners at the end of XXXX. I had not been living at the property since the end of XXXX. I did have the grass cut for one last time before the lease ended and I dropped the keys in the mail on XX/XX/2020. They did not receive the keys until XX/XX/2020 because they were mailed to them and not dropped off in person, because I had XXXX. I did not have the carpet cleaned because no one wanted to enter the unit because of me being positive. There is an email dated for XX/XX/2020 notifying them that the keys were being mailed to them. So Im not sure why it says I was occupying the unit until the XXXX if I didnt even have access to the unit after XX/XX/2020. XXXX not sure what they expected the grass to look like after they didnt even come to inspect until the XXXX. I also was not responsible for the stuff growing on the gate. That is how the fence looked when I moved in, I just kept the grass cut. When I initially rented the property it was with another property management company, otherwise they would have known the fence already looked like that. The neighbor can attest to that.
Consumer complaint received 2022-06-19
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. (OH)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 an account without my written instructions
Consumer complaint received 2022-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

In a accordance with the fair credit reporting act XXXX account # XXXX below has violated my rights 15 U.S.A 1681 section 602 A states I have the right privacy.

15 U.S.A 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692 section 805 A section 3 states as the consumers place of employment if the dept collection knows or has reason to know that the consumers employer prohibited the consumer from receiving such communication 15 U.S.C 1692 section 805 A states dept collector may not communicate with a consumer in connection with the collection in any dept at any unusual time or place known to be inconvenient to the consumer 15 U.S.C 1692 section 806 section 5 causing a telephone to ring or engage any person in telephone conversation repeatedly or continually with intent to annoy, abuse or harass any person at the called number 15 U.S.C 166b A creditor may not treat a payment on a credit card account under and open end consumer credit line as late for any reason XXXX XXXX XXXX # XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  # XXXX # XXXX XXXX # XXXX XXXX XXXXXXXX XXXX # XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX
Consumer complaint received 2022-09-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I have unatuthorize inquirities on my XXXX credit report that i have disputed several times with no avail or resolution, it still remains on my credit report. I also have unauthorized inqueries on my XXXX and transunion credit reports, I have also called and disputed with them also and it still remains on my credit reports. For XXXX there is one unauthorized inquiry form XXXX XXXX XXXX XXXX. XXXX has 2 unauthorized inquiries, from office depot XX/XX/XXXX, also XXXX XXXX XXXX XX/XX/XXXX. Transunion 5 unauthorized inquiries XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX and XXXX XXXX XXXXXXXX XX/XX/XXXX. Please reach out to the Bureaus and have them take care of this issue thanks. 

I have put in dispute after dispute and its honestly becoming tiring and wrecking my credit report.
Consumer complaint received 2022-08-02
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. (FL)

MY NAME IS XXXX XXXX I AM A VICTIM OF IDENTITY THEFT THE INFORMATION LISTED BELOW, WHICH APPEARS ON MY CREDIT REPORT DOES NOT RELATE TO ANY TRANSACTION ( S ) THAT I HAVE MADE ITS IS RESULT OF IDENTITY THEFT I'VE CONTACTED EXPERIAN RECENTLY ABOUT THIS MATTER I SENT IN THE FRIST REPORT FTC REPORT NUMBER XXXX ( WWW.IDENTITYTHEFT.GOV ) EXPERIAN SENT ME A LETTER STATING THAT THE FTC REPORT WAS UNVERIFIABLE SO I CALLED FTC WHICH TOLD ME THAT THAT WAS NOT TRUE SO IM RESEND MY FTC REPORT, IVE BEEN BATTLING WITH IDENTITY THEFT FOR ABOUT 2 YEARS I RECENTLY SPOKE TO A EXPERIAN FRAUD REP THEY TOLD ME THAT MY FILE MIGHT HAVE BEEN A MIX FILE, THE REP TOLD ME HE'LL FIX IT BUT STILL NO CHANGES, UNDER THE FAIR CREDIT REPORTING ACT 15 USC 1681 est seq funishers MUST INVESTIGATE DISPUTES RECEIVED FROM CREDIT REPORTING AGENCIES, IM REQUESTING A 605B BLOCK OF information resulting from IDENTITY THEFT 15 USC 1681C-2 AND 15 USC 1681S-2 ( b )
Consumer complaint received 2022-08-13
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. (PA)

In Accordance With The Fair Credit Reporting Act XXXX  Account # XXXX  XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Has Violated My Right.. 

15 U.S.C 1681 secton 602 A. I Have The Right Privacy.

15 U.S.C 1681 secton 604 A Section 2 : It Also States A Consumer Reporting Agency Can not Furnish A Account Without My Written Instructions..

15 U.S.C 166b A Creditor May Not Treat A Payment On A Credit Card Account Under An Open And Consumer Credit Plan As Late For Any Reason..
Consumer complaint received 2022-08-13
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: CREDIT ACCEPTANCE CORPORATION (MI)

I attempted to get a loan on a used vehicle in my budget for XXXX with over XXXX miles on it on the XXXX XXXX website In XXXX Michigan they ran my credit through XXXX different predatory lenders and I was denied because the vehicle had to many miles on it not because of my XXXX score. They attempted to make go through a high interest loan company with a 23 % interest rate. This doesn't help me the consumer that's XXXX and on social security. Now I have XXXX unwanted inquiries and no vehicle XXXX XXXX. This is ridiculous! Are there laws to protect me the co sumer from this? The dealership knew full well as he told me in a text " he was limited on financing due to the high miles on said vehicle "
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2022-08-13
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit reporting act XXXX XXXXt # 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 XXXX XXXX .... Updated The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. Before Dispute Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX .... Type Auto Loan Terms 76 Months On record until XX/XX/XXXX Recent balance {$15000.00} as of XX/XX/XXXX Credit limit or original amount {$15000.00} High balance $ 0 Monthly payment {$0.00} XXXX XXXX XXXX {$0.00} Date opened XX/XX/XXXX Date of status XX/XX/XXXX First reported XX/XX/XXXX Responsibility Individual Status Account charged off. {$11000.00} written off. {$15000.00} past due as of XXXX XXXX. Your statement ASSUMED BY ANOTHER PARTY. NO LONGER MY ACCOUNT. Reinvestigation information This item was updated from our processing of your dispute in XX/XX/XXXX. After Dispute Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX .... Type Auto Loan Terms 76 Months On record until XX/XX/XXXX Recent balance {$15000.00} as of XX/XX/XXXX Credit limit or original amount {$15000.00} High balance $ 0 Monthly payment {$0.00} XXXX XXXX XXXX {$0.00} Date opened XX/XX/XXXX Date of status XX/XX/XXXX First reported XX/XX/XXXX Responsibility Individual Status Account charged off. {$11000.00} written off. {$15000.00} past due as of XX/XX/XXXX. Your statement ASSUMED BY ANOTHER PARTY. NO LONGER MY ACCOUNT. Reinvestigation information This item was updated from our processing of your dispute in XX/XX/XXXX. XXXX  XXXX .... Updated The information you disputed has been updated. Please review your report for the details. XXXX  XXXX .... Updated The information you disputed has been updated. Please review your report for the details.
Consumer complaint received 2022-08-13
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. (TX)

Experian has failed to correct inaccurate late payments reporting on my credit report that I have been disputing for a year. Experian continues to update the accounts with no change to my report. These inaccurate accounts on my report have damaged my credit score and has resulted in my insurance rate to increase. I have disputed these accounts on the following dates XX/XX/XXXX, XXXX, XX/XX/XXXX, and XX/XX/XXXX. I requested Experian to update the late payments to paid as agreed or delete the accounts off my credit report so my true credit history is reported and they have not completed my demand. The accounts that are reporting inaccurately are XXXX, XXXX XXXX, and XXXX XXXX XXXX. I have a copy of my XXXX report which is reporting correctly as no late payments.
Consumer complaint received 2022-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

In accordance with the fair credit 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 privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-04-04
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)

I have ask the credited bureau to do a investigation to make sure every thing was accurate they said they did and every thing was accurate and I did a research of my own and found inaccurate on my report even after they said they did a investigation.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. Account Name XXXX XXXX XXXX XXXX Account Number ; XXXX Account Name ; XXXX XXXX XXXX. Account Number ; 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 an account without my written instructions. 15 U.S.C 1681C. ( a ) ( 5 ) Section State ; 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 2022-05-25
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. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$0.00} ; and XXXX XXXX XXXX : {$320.00}
Consumer complaint received 2024-12-15
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: WELLS FARGO & COMPANY (NJ)

About 1 year after closing on my home loan, I was invited by certified letter to refinance through the same lender ( Wells Fargo ). I went through the process and provided all of the information requested by the loan officers through a Wells Fargo email portal. At the final stage of the process, they said that the XXXX insurance policy did not meet their requirements. I was confused because my loan had been approved less than a year before for the same property. I explained that I have no control over the XXXX building policy and I asked repeatedly for documentation on what the deficit might be. I was refused any further formal explanation. They continued to demand that I put them in direct contact with my XXXX. They eventually communicated with the XXXX  without my permission, requested that the XXXX  change policies ( on a building with hundreds of units ). The XXXX refused and they immediately denied my refinance loan and deleted all the correspondence in the Wells Fargo email portal.