davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

TransUnion Employer : XXXX XXXX XXXX XXXX XXXXXXXX XXXX Addresses : XXXX D XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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: Aldous & Associates, PLLC (CO)

Company name XXXX XXXX I have changed cards ( got reissue ) and didn't know for months that XXXX XXXX wasn't getting their payment from me. I have for the second time instead of an email, phone call, payment missed letter gotten a letter months later after multiple missed payments the first contact of any kind by XXXX XXXX in the form of an aggressive unethical notice from ALDOUS & ASSOCIATES law firm.

This appears to be highly irregular, and incredibly unethical bad business. I pay my all my bills on time. This is the wrong way to do business and CFPB needs to hold XXXXXXXX XXXX and other corporations accountable for their practices. Please help as I know this is likely happening to other customers that could be having a much worse outcome than me. 


The only thing I want is to make sure that this is never on my credit report and that this company be held to fix any reporting on my credit report for me as I have had this exact thing happen now for the second time. Businesses should be fined and regulated in this area. 

Hope you guys can help all those affected by these bad practices. Thank you for your time.
Consumer complaint received 2022-07-16
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. (SC)

15 usc 1681 sec 602 sec a, states that the credit bureau cant furnish a acct without my written consent. 
The following accounts need to removed from my credit report asap. 
I have requested written proof of these debts and the credit bureau has not complied. 
I have opted out of aribitration and will sue the credit bureau. 

XXXX XXXX acct number XXXX XXXX XXXX acct number XXXX  XXXX XXXX acct number XXXX XXXX XXXX act number XXXX XXXX XXXX scct number XXXX XXXX XXXX acct num XXXX XXXX XXXX act num XXXX XXXX XXXX acct num XXXX XXXX XXXX XXXX acct XXXX XXXX. XXXX, all XXXX old Need to be removed from equifax XXXX XXXX  and XXXX
Consumer complaint received 2017-02-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

On my credit reports it is showing XXXX different company names XXXX and on the other XXXX. Which is it??? It 's also showing XXXX different open and close dates. One credit report is showing XX/XX/2012 and the other is showing XX/XX/2012 as an open date for example. That would mean that I have XXXX different accounts, which I do n't have. XXXX different inaccurate information. The balances are showing {$0.00} and the account is showing closed on all XXXX credit companies, TRANS UNION, XXXX, AND XXXX.
Consumer complaint received 2022-07-16
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. (TX)

On XX/XX/XXXX, I received a notice from MYFICO stating that an collection account on my credit report has showed updated. In the update it states that I put in a dispute of the account. I never submitted an dispute with the credit bureaus because this collection company violated my rights as a consumer by not submitted written documentation to me stating that they were placing a collection account on my credit bureau, that being said they never gave me the opportunity to send the collection company a letter of validity. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX has violated my rights. 
15 USC 1681 section 602A states I have the right to privacy. ( violated ) 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

Not only did they violate my rights but several inaccuracies are report in each bureau. In XXXX the Collection is stating that is is open. In XXXX the collection states closed. In Experian it states open with a different date of opening. The Fair Credit Reporting Act also states that anything report on a consumer credit bureau must be 100 % accurate and this is not.
Consumer complaint received 2022-07-16
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. (TX)

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX Account # XXXX, XXXX  XXXX account # XXXX, XXXX XXXX account XXXX XXXX, XXXX XXXX account XXXX XXXX, XXXX  account # XXXX 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 2019-06-17
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (FL)

XX/XX/2019 Had to contact a Advocate Ms.XXXX  XXXX to receive information on the progress of Modification. I needed her to tell me now to get access into a site sent by Bayview Loan Servicing , LLC to view the status as well as any outstanding items and to be able to upload Doc.which maybe still needed. Please refer to memo included dated XX/XX/2019 from office of XXXX XXXX. Ms. XXXX stated the only update she sees at present is XX/XX/XXXX denial.I had not and have not yet received anything from Ms. XXXX office as of yet. # 2 upon asking Ms. XXXX to help me get into the suggested site, in order to review the status by tracking my account at www.Bayview Loan Servicing, LLC. Comthen go to tab ( which was no such site ) called '' My Worked Out Details '' to view status and outstanding items.There was only a My Workout Details was a Gymnastic center work out.obviously she was unable to find such a site either. Upon asking her why I was denied again and what papers were missing she stated none, it is the investor denying the modification which she stated is XXXX XXXX'.someone else suggested I send a dispute denial to Ms.XXXX asking her to forward my request to the investor on my behalf MY COMPLAINT IS WHY WASN'T I SENT A FORM TO DISPUTE OR APPEAL THIS DECISION, I received nothing on all decisions being made, XXXX Resentative Mr. XXXX XXXX has heard nothing also from these representatives verbally or posted to the uploads of my status.If not posted or contacted how would I know of progress or denial taking pla e and what would be the next steps to close Ms. XXXX did say she does not see a solution or a sale date upon my aski g where is this going I feel like this is extremely unfair and somewhat bias that I'm being discriminated against started with 2 payments behind which would have been addressed at that point except for the loan company refusing the payments no one at the loan is trying to work with me and my Representative Mr. XXXX to resolve the matter and stop trying to justify takeing my home and leave me homeless i maybe XXXX in years but im XXXX inmind I'm not senile or stupid and plan to be around a longtime still. Stop trying to steal my house and work with me and the XXXX Rep. MR. XXXX to obtain a Fair modification to benefit everybody. Thanks!
Consumer complaint received 2020-08-04
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. (OH)

This Bankruptcy was not verified by the courts and needs to be removed. I have attached the from the courts supporting such facts. They do not have Social Security Number attached this account for me. This not my account, by the FAIR Credit Act ( section 623, 611 ) this information must verified by the original account holder ; in addition, to being accurate is not. I will hold Experian, XXXX, and XXXX   responsible for displaying this information on my credit report. 

I have attached the letter from the courts, and I have requested this information to be removed months ago. Therefore, it has been over the 35 days. This is information can not be verified by a third part either as a so called government agencies. 

Please remove ASAP. Or face a Lawsuit
Consumer complaint received 2020-05-21
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (VA)

I was contacted by a company claiming to be Ace Cash Express in XXXX. The representative stated that a server was on the way to my house if I didn't take care of this debt with them right now on the phone. I would have to call back and give a person a code in order to intercept the server. I was threatened with legal action and garnishment. The communication tactics were threatening and very aggressive. I called to reason with the person. They would not take payment arrangements. I asked for debt validation. After not receiving any information for more than a month, I called them yesterday ( XX/XX/20 ). The lady I spoke to was very aggressive, making threats. She refused to give me an address, saying that bc they handle sensitive cases such as divorce and child support, they don't give out their address bc they have to protect their clients. She asked me to hold while she looks for their P.O. Box then returned to tell me they only take electronic payments and could not give me an address. I asked for a website and she told me that they didn't have one bc they were a private company. She said they were a pre-litigation firm and the judge would add {$2400.00} to the amount that I owe. She said that I should pay my bills if I didn't want to be in this predicament. She was yelling and being abusive. I asked for a manager and she stated that I could not speak to anyone else bc she was the floor manager. I tried to set up reasonable payment arrangements and she said that was not possible if I wouldn't agree to pay {$100.00} today. I told her that I didn't believe I owed the debt because I have not received debt validation from them. She hung up abruptly. I called the number back, hoping to get a different person. The same lady with a XXXX accent answered the call and said, See xxxx ( my name ), I am the only one you can speak to. If you call this number, I will answer bc I am the manager. She did not say Hello or tell me her company name. I told her that she was aggressive, rude, and disrespectful. She said well, you should pay your bills. I hung up and a lady called me back. This person apologized for other lady. She gave me her name and went over details about the alleged debt. She said that she couldn't take less than {$150.00} ( other lady said 100 ). I asked about a settlement. She gave me an amount of {$400.00}. I said I didn't have that amount but could pay {$320.00}. She agreed and promised that I would have a paid in full receipt within 15 minutes and that I would have a letter that would be all I needed to have item removed from my credit. I asked what name would appear on my bank statement, she said XXXX XXXX. I told her that other lady told me Ace Cash Express. She said they were a pre-litigation firm. I didn't receive receipt or an email. After 6 hours, I still didn't receive anything. Even this morning. The phone number given to me was XXXX.
Consumer complaint received 2024-12-17
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Alpine Credit, Inc (MI)

i've requested a debt verification letter multiple times from Alpine Credit Agency regarding the debt they claim I owe but they have not sent it. I have disputed the collections through XXXX, but every single time I dispute it, they verify the information is accurate and yet I yet have to receive a letter detailing the debt. The balance keeps increasing. They also haven't attempted to contact me by phone.
Consumer complaint received 2020-05-22
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (MI)

I have sent in documentation for the inquiries that are on my report and they are still there on my Equifax report. My XXXX report has been corrected and updated. XXXX  and Equifax will not cooperate I have sent police reports and documentation of the erroneous information that was reported. I feel like my rights have been violated and I have also been denied credit. My character has been defamed and it is causing me to be stagnant in my endeavors. Please investigate the inquiries as well as the accounts that should have been deleted.
Consumer complaint received 2022-09-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (NY)

I was notified that my XXXX student loans were transferred to Aidvantage ( this action was taken without any request or consultation with me by my student loan servicer ). I am one of the borrowers who continued to pay my loan throughout the pandemic, and made sizeable payments to reduce my student loans : between XX/XX/XXXX and XX/XX/XXXX I paid {$4900.00} towards what were XXXX  student loans, now managed by Aidvantage. XX/XX/XXXX, I waited 1 hour and 39 minutes to speak with an Aidvantage representative by phone to request a refund of all student loans paid on my Aidvantage held loans, because Aidvantage hadnt called me back when I called the day before and left my phone number for a call back when prompted by their phone system. The representative told me he would need a supervisor to approve my refund request because it was over {$1000.00}, but that it was all taken care of ; he said it could take 4-6 weeks to receive my refund. While waiting for my call back from Aidvantage, I submitted this same request in writing to Aidvantage ( I didnt want to be jerked around ). XX/XX/XXXX, I received an email from Aidvantage that stated : I hadnt made any payments, so no refund could be processed. I logged in to my account and my payment history had been scrubbed or cleared : it showed no payments made my me ( even the XX/XX/XXXX payment was missing ). I called Aidvantage and a rep said there were no payments, and so no refund. I asked for a supervisor. She then said she found payments, and asked if an amount in the {$2000.00} range was correct. I said it was not. She said she would submit a request for my payments to be found I again asked for a supervisor. I told her I had deep concern about the management of my account based on the ongoing interactions with Aidvantage. Again, I waited more than 1 hour and 38 minutes and counting. I worked to pay off my loans through sickness, hunger, while I had a Borrower Defense to Repayment claim pending ( still not resolved ) for SIX years, and during a pandemic : I need a company that will not lose track of ANY payments I make, let alone close to {$3000.00} USD, because I dont have that kind of money to lose.
Consumer complaint received 2022-07-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (DC)

There was fraudulent charges made on my Capital One credit card that was opened on XX/XX/XXXX XXXX in the amount {$680.00} and have tried several times to have this removed from my credit report with all three major reporting agencies as well with the merchant. They refuse to remove this account.
Consumer complaint received 2024-10-21
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: Experian Information Solutions Inc. (TN)

To whom it XXXX concern, I am inquiring about account with the collection name of [ XXXX XXXX XXXX ]. 
Original creditor- ( XXXX XXXX ) {$6600.00} The collection account number is not listed on all three credit bureaus and the date of first delinquency has been fraudulently reaged.
Consumer complaint received 2022-07-19
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Maximus Federal Services, Inc. (ME)

My student loans are financed through XXXX. Or, it was XXXX when I was in school. XXXX is now Aidvantage. I am unable to contact XXXX, and was advised by them that further inquiries should go to Aidvantage. 

I am on an income driven repayment plan. My payments were {$68.00} per month ( this may be rounded up from $ XXXX ) before the pandemic. During the summer of XXXX, I received emails and banners inside my XXXX  account informing me I need to re-certify my income. I have an email from them from XX/XX/XXXX indicating I had submitted my information. I did so because I am an efficient and diligent person who likes to keep an empty to-do list. 

I also have an email from XX/XX/XXXX which shows I paid XXXX {$38.00}. If I remember correctly, this was an elective payment. I was trying to get some of my accounts down to an even {$100.00} increment during the forbearance period. It can probably be disregarded, but I am being as thorough as possible here. 

On XX/XX/XXXX I received an email saying that my IDR was renewed until XX/XX/XXXX, and the amount would be {$67.00} monthly ( which is the actual amount for $ XXXX I mentioned earlier ). On XX/XX/XXXX I received an email saying that my IDR was renewed for the period of XX/XX/XXXX until XX/XX/XXXX, at a monthly amount of {$230.00}. 

It is my understanding that the pre-pandemic-pause IDR plan amounts were to remain valid for some time post-pandemic-pause. 

On XX/XX/XXXX I contacted Aidvantage, who told me that they were going to get the paperwork together to fix this for me. I was on the phone awhile and she eventually came back and just told me no, they can't and they won't do anything for me.
Consumer complaint received 2022-07-19
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (OH)

I have a debt collection on my credit report from National Credit Adjusters for the amount of {$640.00}. I have not taken out a loan nor so I know who this company is. My address is XXXX XXXX XXXX XXXXXXXX XXXX XXXX and have not been associated with this debt.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

I DO NOT OWN THE ACCOUNTS STATING BALANCES ON MY REPORT PLEASE REMOVE. MY CREDIT SCORE IS BEING SEVERELY DAMGED AND I AM UNABLE TO GET APPROVED FOR CREDIT CARDS AND LOANS.

The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX Date Opened- XX/XX/XXXX Balance- {$700.00}, XX/XX/XXXX XXXX Date Opened- XX/XX/XXXX Balance- {$1000.00}, XXXX XXXX Date Opened- XX/XX/XXXX Balance- {$300.00}. 

The information is incorrect and does not belong to me. 

I looked at my Experian credit report on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, 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; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are supposed to 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.