davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-11
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. (NJ)

I, XXXX XXXX, a federally protected consumer exercised my rights per the Fair Credit Reporting Act and the Fair Debt Collection Act by submitting a dispute to Experian on XX/XX/2022 via the Experian XXXX XXXX dispute center. Experian responded on XX/XX/2022 that the dispute was received and could take upto 30 days for completion. Experian also ensured that all investigation results would be shared with me at the end of the investigation by Experian as well as the creditors which are XXXX XXXX XXXX and XXXX XXXX XXXX On XX/XX/2022 Experian contacted me via email and the online Experian dispute center to inform me that my dispute investigation had been completed as of XX/XX/2022. Experian failed to ensure a thorough investigation because Experian, XXXX, and XXXX are all reporting incomplete, inconsistent, and inaccurate information in regard to both disputed accounts as of XX/XX/2022. Experian claims to have conducted an investigation yet I have not received any debt validation results that would support permissible purpose for these accounts being furnished by XXXX XXXX XXXX and XXXX XXXX XXXX XXXX and also no permissible purpose for the reporting of incomplete, inconsistent, unauthorized, and inaccurate information to my Experian consumer report. This is a clear example of experians willfully noncompliance and negligence to rectifying my affairs. This is a violation of 16 USC 1692 and 15 USC 1681b. If experian is claiming to have investigated yet I can not determine between experian, XXXX, or XXXX who is housing accurate consumer information then accounts must be deleted immediately. Also, the creditors of the above-mentioned accounts have failed to provide debt validation within 30 days of receiving the dispute request thus these accounts must be deleted/ permanetly removed immediately upon receipt of this complaint.
Consumer complaint received 2023-04-20
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: ACIMA CREDIT, LLC (AZ)

It's been over 30 days and the creditor has not updated the information. Nor, has provided proof for documentation in regards to a late payment. 

I do not recognize how the account is reporting on my credit report. 
I don't recognize the account number, account status, or the account 's high balance. 
Nor, do I recognize the late payments associated with the following : XXXX XXXX XXXX XXXX  Account XXXX XXXXXXXX Amount {$1300.00}
Consumer complaint received 2022-09-18
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: Aldous & Associates, PLLC (NY)

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 Account XXXX XXXX XXXX XXXX Account Aldous And Associates.
Consumer complaint received 2022-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

XXXX, XXXX and Experian has an very old account listed and showing on my credit report and profile that should have been removed over 10 years ago, this is the second account I've discovered & according to the FCRA, accounts showing and has reported inaccurate information for many years are to be removed immediately. I am requesting immediate removal of this account as the statue of limitation has expired on reporting and it is causing my credit profile too be risky to potential new lenders and also causing harm to my credit score by keeping it lower than it should be. As I have had ZERO derogatory, missing or late payments in almost 6 years.
Consumer complaint received 2023-08-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (TX)

I am disputing the whole debt of {$110.00} for Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have already disputed this debt with previous debt collector XXXX XXXX XXXX and they ruled in my favor and dropped further action. 
I sent the second collection company Sunrise the same documents supporting I do not owe this debt and they refuse to drop the collection. 
XXXX ( XXXX ) continued to charge me an additional {$10.00} each month from XXXX XX/XX/XXXX, totaling {$130.00}, for a modem ( equipment ) I returned back on XX/XX/XXXX. I was told when I returned the equipment on XX/XX/XXXX the modem fee of {$10.00} would be removed. When I brought it to their attention, several times over several months, they continued to tell me it would be taken care of and credited back to my account. This had been going on for over a year with no response or resolution so I cancelled my account. 

It's a shame companies like this still exist and try to take advantage of consumers. When you call and try to get the bill, bills corrected you are met with countless phone calls and wasted hours to no avail.I feel this is a commonplace tactic nowadays, especially XXXX ( XXXX ) to try and wear us down enough so we, the consumer, pay even though we don't owe it!! 

In reality, XXXX ( XXXX ) still owes me {$130.00} in fraudulent charges on my account. Once I receive a check in the amount of {$130.00}, that they owe me for illegally charging me for equipment ( modem ) I had returned, I will be more than happy to pay the {$110.00}. Or XXXX can credit my account the {$130.00} they owe me in which the charge of {$110.00} will disappear and they will still owe me {$15.00}. The receipt from XXXX on XX/XX/XXXX is my proof I returned the equipment ( modem ). Also you will find in my monthly statements my proof they continued to charge me the {$10.00} fee. 

Thank you for your time, XXXX XXXX
Consumer complaint received 2024-10-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (MI)

Mohela processes my loans for PSLF program. I am currently on the SAVE program and with the recent court involvement, all SAVE borrowers are in forbearance. Prior to this, I was scheduled to make {$0.00} payments once the COVID forbearance ends. I have never missed a {$0.00} payment nor have missed a payment prior to the COVID forbearance. Mohela is showing I owe over {$500.00} past due. This is recent as well. How can any of my loans be past due if they have been in forbearance since XXXX and prior to XXXX they were {$0.00} payments. Prior to {$0.00} payments they were in Covid forbearance for years. This is super upsetting and apparently happening to a lot of other people using mohela. You also can not get through to them via phone. You either wait hours or you dont get a clear answer.
Consumer complaint received 2022-06-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (FL)

XX/XX/XXXX I went to XXXX XXXX of XXXX and traded my XXXX XXXX XXXX in for a XXXX XXXX XXXX  and and it was financed with nissian motor acceptance Corp and I found out XXXX XXXX  my car with my credit union that there was 2 accounts open in my name because of the dealership open 2 accounts I am glad I refinance because I would have never knew about this also I canceled my extended warranty and gap coverage with fedilty warranty services on XX/XX/XXXX and they sent the check to nissian so I called nissian and they said I do not get my refund back in the amount of XXXX because of XXXX XXXX XXXX XXXX open two loans for my one car and nissian motor acceptance said that money went to my second car loan for the same XXXX XXXX kicks that i called the dealership and talked to XXXX in finance and he said he will look into it this i got a call from XXXX and he said he was overnight a check back to nissian motors and i would be refuned the amount of XXXX from nissian motors as of XX/XX/XXXX i check on the account with nissian motors it says i now owe XXXX that for XX/XX/XXXX payment and now XX/XX/XXXX payment this second account was set up in a error i should not be charged for a late payment that was due XX/XX/XXXX is crazy I just wanted to make everyone aware of what happened to me and before you leave the dealership make sure there is not 2 auto loans for the same car you are buying on Tuesday XX/XX/XXXX XXXX called me and said everything should be fixed by Friday XX/XX/XXXX and she would have XXXX to call me that same day and he did not call me back to confirm the amount of my refund would be XXXX when I talk to XXXX on Monday XX/XX/XXXX he said that the he would make a check out in the amount of XXXX and sent it overnight and nissian motor acceptance should get it by Tuesday XX/XX/XXXX I checked today Wednesday XX/XX/XXXX and it says I owe on a XXXX on a account that was open in error if you do the math the amount of XXXX and nissian motor acceptance says I still owe XXXX that means my refund would be less than XXXX I will lose XXXX due to a account open in error XXXX XXXX is saying it was nissian motors acceptance fault not there's
Consumer complaint received 2022-06-08
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. (VA)

To Whom it may concern, I was recently reviewing my credit report and I noticed that there were several unauthorized inquiries on my credit report and/or someone has been trying to apply for something in my name. I have already filed an FTC Report as well and the report number is XXXX. The FTC Report is attached. 
These fraudulent credit inquiries were made by the following companies : Inquiries : 1. XXXX XXXX XXXX on XX/XX/2022 XXXX. US SM BUS ADMIN ODA on XX/XX/2022 XXXX. US SM BUS ADMIN ODA on XX/XX/2022 Furthermore, according to the FCRA ( Fair Credit Reporting ACT ), legally this unverified & unauthorized item MUST be removed!! 
I did not authorize anyone employed by this company to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights. 

My contact information is as follows : XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-08
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. (NY)

Inquiries Of Credit Cards were made to my report without my consent i never applied for those credit cards which they were made on this following dates XXXX XXXX XXXX XXXX XXXX and XXXX XXXX
Consumer complaint received 2022-07-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Receivables Performance Management, LLC (VA)

On XX/XX/2022, I had returned from a long underway to find out a collection on my credit report due to payment not being made for my ohne bill with XXXX. I immediately contacted XXXX about the recent collection made on my credit report and how I could get it reviewed or dispupted. I explained to them my unfortunate circumstance as to why payment couldn't be made, which is solely due to XXXX XXXX and or XXXX ; with no internet access it made it quite difficult to make any payments. 

I kindly requested and or disputed to have the collection on my credit report with XXXX removed due to XXXX XXXX XXXX understood my request and asked I should provide proof of XXXX  or a copy of XXXX XXXX  I submitted all document as requested for the review. 

Unfortunately XXXX failed to report back of their findings or investigation whether it being through email, mail, and or a phone call. I gave them a call back to find out the status or my dispute, I was told that the charges are all valid and that they can not make any changes. I was told by their repersentative to reach out to the third party company " RPM '' ( Receivables Performance Management ), that's handling the collection, to dispute with them. I did so by reaching out to them and made a dispute to have it removed due to XXXX XXXX. 

They got all documents and got in contact with XXXX once again. XXXX reported back to RPM stating that the charges are valid and wont remove the collection, even after I provided, and as requested by XXXX and RPM, as proof in order to remove the collection XXXX XXXX XXXX and transfer documents from the XXXX to both parties. 

XXXX and the collection agency refuse to cooperate and or take into consideration my absence and or reasoning behind my defaulted payments.
Consumer complaint received 2021-09-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

As a Federally Protected Consumer, Original Creditor, Principal and Authorized Representative for XXXX, XXXX dba XXXX XXXX on all accounts created by my seal/signature, I order you to make recompense and pay redress and compensation for your trespass against me. You are attempting to extort and rob me using deceptive, misleading and abusive practices against me personally, my family and my household. This is criminal activity at the least and unacceptable by every means. You have committed several federal violations against me, a Private law abiding Federally Protected Consumer. Each violation is a statutory cost of {$1000.00} each, which does not include my personal cost and fees ( which I determine ) for taking time to address these issues. Violations committed against me include but not limited to 1. Violated 15 USC 1692c ( a ) ; Communication without prior consent, expressed permission 2. Violated 15 USC 1692c ( b ) ; Communication without prior consent, expressed permission 3. Violated 15 USC 1692d ; Harass and oppressive use of intercourse about an alleged debt.

4. Violated 15 USC 1692d ( 1 ) ; Attacking my reputation, accusing me of owing an alleged debt to you.

5. Violated 15 USC 1692d ( 2 ) ; Use of obscene or profane language on my report ( saying I owe you a debt ) 6. Violated 15 USC 1692e ; Using false, deceptive or misleading representations 7. Violated 15 USC 1692e ( 2 ) ( A ) ; False representation of the character and amount of the alleged debt 8. Violated 15 USC 1692e ( 2 ) ( B ) ; False representation of any service rendered or compensation 9. Violated 15 USC 1692e ( 8 ) ; Communicating false information 10. Violated 15 USC 1692e ( 9 ) ; Use/distribution of communication without authorization or approval 11. Violated 15 USC 1692e ( 10 ) ; False Representation ( not a party to alleged debt by my consent ) 12. Violated 15 USC 1692e ( 12 ) ; False representation/implication ( innocent purchasers for value ) 13. Violated 15 USC 1692f ; Unfair Practices attempting to collect an alleged debt.

14. Violated 15 USC 1692f ( 1 ) ; Attempting to collect a debt unauthorized by an agreement between parties.

15. Violated 15 USC 1692g ( a ) ( 4 ) Certifiable Validation and Verification of alleged debt ( s ) 16. Violated 15 USC 1692j ( a, b ) ; Furnishing certain deceptive forms. ( You are not a party in the alleged debt ) 17. IDENTITY THIEF ; Obtaining personal identification information without prior consent and creating an account in my name without my knowledge.

18. Invasion of Individual and Family Privacy 19. Violated 15 USC 1692c ( c ) If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt.
Consumer complaint received 2022-06-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Receivables Performance Management, LLC (OH)

Receivables performance has reported a collection on my credit bureaus. This was never communicated with me via mail, email or phone. I have never paid anything to this com company. However the final bill was already paid to the consumer XXXX XXXX also known as XXXX XXXX XXXXXXXX XXXX has requested for the trademark to be deleted from all three credit bureaus because it was never sent to me. I have disputed this with receivables performance multiple times and they continue to verify the debt. I have contacted them multiple times and they failed to respond appropriately.
Consumer complaint received 2022-06-08
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: REGIONS FINANCIAL CORPORATION (AR)

I have not received my XXXX title from Regions Bank. 
XXXX Paid of XXXX XXXX XXXX XXXX Called Regions XXXX number- was told title was released XXXX. If I did not receive by XXXX to call back. 
XXXX Called XXXX Regions XXXX number- was told it didnt show a mailed date. If not received by XXXX to call back. 
XXXX Received a copy of loan agreement. 
XXXX Called Regions XXXX number- was told title was sent. 
XXXX Went to Regions office in XXXX XXXX spoke with XXXX XXXX XXXX She release the lien, the computer did not show it released. XXXX told me I would have the title the next week. 
XXXX Received the release of lien in the mail with a letter stating I can go get a duplicate title. 
XXXX Called XXXX. She said the title would be mailed shortly after the release of lien. 
XXXX Called XXXX. She said she would check on title. I told her to get it and I would come by Regions and pick it up. 
XXXX Left message for XXXX to call me. 
XXXX Left message for XXXX to call me. 
XXXX Talked with XXXX. She is checking to see why Regions says the title was released XXXX yet she released it on XXXX. I told her I didnt want to have to pay for a title when I never got the first one. She said she would speak with her branch manager. 

Each time I spoke with someone from Regions they verified my address.
Consumer complaint received 2022-06-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NH)

Due to fraud at the end of XXXX, my account ending in XXXX was frozen per bank and a new checking account was opened ending in XXXX. I had set up bill pay from the frozen account and they kept trying to pay a loan out of this account. All of the checks and EFTs were returned by the lender for NSF, but one. The lender claims they do not have this money. When I checked the supposedly " frozen '' account this am it was unfrozen with a negative balance of the disputed amount. 

I have spent over 30 hours on the phone with this bank and also the lending bank, as well as three in-person interviews with a branch manager, to no avail. 

I am expecting a refund check from the IRS which will be deposited to this account. ( My taxes were filed before the fraud attempt ) That will result in my check being shorted by the disputed amount. Bank of America did not have my permission to make any of these changes, The lender ( XXXX XXXX XXXX XXXX ) does not have the payment, and I am unable to resolve this on my own. 

I am an XXXX XXXX XXXX woman living on social security, and this bank is stressing me beyond my ability to tolerate it. Please help.
Consumer complaint received 2022-07-20
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. (MO)

The Credit Bureaus have failed to conduct a proper investigation in order to correct the following erroneous information being reported on my XXXX XXXX. I have read that the Credit Bureaus are required to required to validate these accounts in line with the FCAR section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I have been sending letters to addressed to the Credit Bureaus requesting that they conduct proper investigation and correct any erroneous reporting they can find. But despite all my efforts to correct my Credit Report, the Credit Bureaus seem to find entertainment in seeing a consumer struggling with their Credit Reports. I am now submitting this complaint requesting another investigation to be properly conducted this time and correct all erroneous reporting on my XXXX XXXX. Specifically, I need the following account corrected now : XXXX XXXX XXXX Balance Owed : {$270.00} XXXX  XXXX XXXX Balance Owed : {$930.00} XXXX XXXX XXXX Balance Owed : {$530.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance XXXX XXXX {$0.00} XXXX  XXXX XXXX Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Date Filed/Reported : XX/XX/2016
Consumer complaint received 2022-06-08
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. (MD)

This investigation is for the IMPROPER USE OF MY CREDIT REPORT AND VIOLATION OF MY RIGHTS TO PRIVACY. 

The credit bureau TRANSUNION stated my account was properly investigated and verified. This was not an verification based investigation. This investigation is for the IMPROPER USE OF MY CREDIT REPORT AND VIOLATION OF MY RIGHTS TO PRIVACY I reached out to Transunion because according to federal guidelines 15 U.S. Code 1681 I have the right to privacy and requested that they removed the account # XXXX from XXXX  XXXX XXXX XXXX from my credit report in the amount of {$360.00}.

I contacted Transunion multiple times with the final time being today XX/XX/2022 The law states " ( 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 '' My right to privacy has been violated and I have reached out to this company.

The law also states under 15 U.S. Code 1681b A Section 2 ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I've never gave written consent for this account to furnish my credit report and Transunion is not doing a proper investigation on my credit report being used improperly.