davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-17
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. (LA)

There are 6 late payments being reported by DEPT OF EDUCATION/XXXX ( 1 late payment for 6 different loans ). That information is false. My student loans should have been deferred due to a natural disaster in XXXX that I was affected by. I had spoken with a representative with XXXX & they advised since I was displaced from my home, payments would be deferred for 12 months. 

I have a late payment reporting for DEPT OF EDUCATIONXXXX, Acct XXXX, Balance on XX/XX/2022 is {$2900.00}, Original loan amount is {$2000.00} DEPT OF EDUCATION/XXXX XXXX Acct XXXX, Balance on XX/XX/2022 is {$4100.00}, Original loan amount {$3800.00} DEPT OF EDUCATION/XXXX  Acct XXXX XXXX Balance on XX/XX/2022 is {$3200.00}, Original loan amount is {$2600.00} DEPT OF EDUCATION/XXXX Acct XXXX XXXX XXXX XXXX XX/XX/2022 is {$7900.00}, Original loan amount is {$6500.00} DEPT OF EDUCATION/XXXX Acct XXXX, Balance on XX/XX/2022 is {$8700.00}, Original loan amount is {$7500.00} DEPT OF EDUCATIONXXXX, Acct XXXX, Balance on XX/XX/2022 {$3600.00}, Original loan amount is {$3500.00} In accordance with the Fair Credit Reporting act these accounts have 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 2022-06-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dynamic Recovery Solutions, LLC (FL)

I received a telephone call in XXXX of XXXX from Dynamic Recovery Solutions concerning a debt from XXXX that I had no knowledge of. They sent me a letter that I had a " XXXX XXXX XXXX XXXX XXXX' account ending in XXXX, last statement dated XX/XX/XXXX showing a balance of {$9200.00}. I have no knowledge of this account and have in fact never even been in a XXXX XXXX XXXX, I had to XXXX it to find out what it was. I will attach their letter and the letter I am sending the collections agency in response. The alleged debt also clearly exceeds the statute of limitations on debt collection based on the Federal Fair Debt Collection Practices Act 15 U.S.C. ss. 1962 et seq.
Consumer complaint received 2022-06-17
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: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : - XXXX  XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX  XX/XX/XXXX - XXXX XXXX  XX/XX/XXXX NEGATIVE ACCOUNTS : - XXXXXXXX XXXX XXXXXXXX Account # XXXX 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 writte
n instructions.
Consumer complaint received 2020-04-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (FL)

On XX/XX/2020 I spoke with a young lady from Sequium Asset solutions concerning a XXXX report that appeared on my credit report recently. I informed her that I had disputed the charge and that the account was not mine. I confirmed my name and date of birth with her and asked how did they get this information being I had not given it to XXXX. she was rude and stated I had to have done this other wise she wouldn't have it. she continued to cut me off as I explained I'm trying to get to the bottom of what happened so that I can resolved it. she stated that her company does not delete at all. I stated to her can I speak with a supervisor and she stated no just her, even if I call back it will be just her. She insisted she take me down memory lane ( her exact words ). This was embarrassing and frustrating. She informed me that a fraud packet could take up to 45 days or settlement for 7-14 days. She continue to bully the situation stating they would not delete it off my credit. I am unclear of how to get through to this company or the information needed to dispute this comcast ( Sequium ). This call lasted 26 mins of resulting in tears and no incite other than take the settlement ma'am. I have no contract or documents concerning this account.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (AL)

Hi, I'm submitting this complaint because I have nowhere to turn too! Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that Experian, XXXX, & XXXX didn't make sure it was reporting 100 % correct. 

In accordance with the FCRA and Metro 2 compliance reporting standards.

Everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1881e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. I'm disappointed that Experian, XXXX, & XXXX have not been able to provide me with any documented proof of compliance reporting standards and applicable consumer laws.
Consumer complaint received 2022-06-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synovus Bank (FL)

I received a telephone call in XXXX of XXXX from XXXX XXXX XXXX concerning a debt from XXXX that I had no knowledge of. They sent me a letter that I had a " XXXX XXXX XXXX visa '' account ending in XXXX, last statement dated XX/XX/XXXX showing a balance of {$9200.00}. I have no knowledge of this account and have in fact never even been in a XXXXXXXX XXXX store, I had to XXXX it to find out what it was. I will attach their letter and the letter I am sending the collections agency in response. The alleged debt also clearly exceeds the statute of limitations on debt collection based on the Federal Fair Debt Collection Practices Act 15 U.S.C. ss. 1962 et seq.
Consumer complaint received 2022-06-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/XXXX I sent off letters to all 3 credit bureaus. I have yet to hear from any of them. It is a law for credit bureaus to respond in 30 days, they are in violation of my consumer law.
Consumer complaint received 2022-06-17
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)

There has been fraudulent inquiries reported on my credit report that do not belong to me. These inquiries were not authorized by me nor done by me and i want them removed as soon as possible. 
Inquires : XXXX CARD SERVICES ( Bank ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX
Consumer complaint received 2020-04-03
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. (TX)

While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report. 

XXXX XXXX XXXX {$2000.00} XXXX XXXX XXXX {$2100.00} XXXX XXXX  XXXX XXXX {$58.00} XXXX XXXX XXXX {$950.00} XXXX XXXX {$640.00} XXXX XXXX XXXX XXXX {$260.00} XXXX  XXXX {$130.00}
Consumer complaint received 2024-12-06
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC (KS)

On XX/XX/XXXX, I made a complaint about this company and its debt collection tactics. On XX/XX/XXXX, I received a response that the debt had been removed from their office. I then disputed the account on my credit report with the credit bureaus, and Waypoint keeps verifying this account as accurate. Since the account has been removed from their office, I want it deleted from my credit report.
Consumer complaint received 2024-10-10
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. (FL)

I declare under penalty of perjury ( under the laws of the United States if executed outside the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE law to this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C 1201. Additionally, this misstatements are punishable as perjury under 18U.S.C 1621 This collection found within my credit report and not related to any transaction that I made. I am alleging that a person or company without my authorization used my personal identifying information to apply for goods, services, or money and was successful in creating some accounts. All are being investigated by the FTC. 

XXXX XXXX. XXXX XXXX XXXX in the amount of {$800.00} XXXX XXXX. XXXX XXXX XXXX in the amount of {$800.00} XXXX. XXXX XXXX XXXX in the amount of {$1700.00} EXPERIAN XXXX. XXXX XXXX XXXX in the amount of {$800.00} XXXX. XXXX XXXX XXXX in the amount of {$1700.00} XXXX. XXXX XXXX XXXX in the amount of {$20000.00} ( INACCURATE REPORTING )
Consumer complaint received 2020-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX/XXXX has been reporting incorrect information on my Experian and XXXX  credit reports for years. On multiple dates with the last being XX/XX/XXXX XXXX/XXXX  couldn't even find an account # :XXXX**** with my name on it since it was opened XX/XX/XXXX. instead of correcting the error of 30 days late on XX/XX/XXXX they made reports worse by changing to now status as 30 days late instead of paid in full and adding another LATE for XX/XX/XXXX which is impossible since loan had matured and was paid in full and was never late.. I've asked XXXX/XXXX  on multiple occasions to send me proof of original contract with signatures and the proof I was 30 days late. Every time they have refused saying thy can't find cause of age on account. this is the only mark on my credit report and its affecting my score by 30+ points. Also contact info is different with each report with most being disconnected XXXX  FORMERLY XXXX # : XXXX**** XXXX XXXX XXXX   XXXX XXXX , AZ XXXX ( XXXX ) XXXX
Consumer complaint received 2022-06-17
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: Experian Information Solutions Inc. (PA)

I am writing you this statement to delete the following information currently on my credit report. The items I need removed are listed in the report. I am a victim of identity theft and I demand that you erase these items off my credit report to properly correct my report immediately! I have reported this to the federal trade commission and I have also attached the federal trade commission affidavit. Now that I have given the following information, please correct my report or I shall proceed with involving my attorney!
Consumer complaint received 2019-07-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (PA)

Greetings! 

Thank you for taking the time to listen to my concern. I work in the nonprofit sector and have been doing so for 12 years. I planned to apply for loan forgiveness when my 10 years worth of payments were complete. I checked program guidelines and thought everything was in order. However, I was mistaken. Me and many other smart people did not qualify afterall!! I applied for loan forgiveness in 2017 and was denied. I didn't realize I had to have Federal Direct Loans. When I found out I immediately consolidated at which point I was told my 10 years time clock now starts OVER! Also, I was told I have to be on a " income based repayment plan ''. That would double my monthly payment and all my loans would be paid in another 10 years. This doesn't make any sense. I worked 10 years for qualifying nonprofits. I made 12 years worth of consecutive payments. I still owe a ton of money. Why can't those funds be forgiven?? My husband has had the same experience. I found out recently my State Representative and other prominent people working in the nonprofit sector have had the same experience. This is WRONG. Even with the temporary assistance bill that was passed, we and many others still can't get assistance. This is a broken promise. Guidelines were not communicated or communicated well or we wouldn't be in this situation. This is mismanagement of public funds. This is a SHAME! Please help find a remedy for this situation.
Consumer complaint received 2022-06-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (NY)

I have received a default judgment and have a lien on my personal property and an income execution in the amount of {$4900.00} on the behalf of Citibank at XXXX XXXX XXXX XXXX. I was sued on their behalf by attorney XXXX and XXXX at XXXXXXXX XXXX XXXX XXXX XXXX, NY XXXX. I have no knowledge of this debt and this is supported by my official credit report across the three credit bureaus. Pursuant to 15 U.S.S. Code 1692 ( c ) admission of liability, this default judgment is unlawful because the law states that my failure to dispute the validity of this debt in court can not be construed as an admission of liability and therefore no judgment should exist.
Consumer complaint received 2022-06-17
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. (MA)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX ACCOUNTS : - XXXX XXXX XXXX Account # : XXXX XXXX XXXX  XXXX Account # XXXX - XXXX Account # XXXX 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 2022-06-17
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. (NJ)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXX XX/XX/2021 - XXXX  XX/XX/2021 NEGATIVE ACCOUNTS : - XXXX Account # : XXXX - XXXX  Account # XXXX XXXX XXXX Account # : XXXX - XXXX  Account # : XXXX - XXXX XXXX Account # : XXXX 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 2023-02-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Corporation of America (IL)

The debt was opened on XX/XX/2022. It is not mine, I don't live in Texas or have visited Texas in over ten years. the birthdates don't match on the debt that's trying to be collected. XXXX XXXX XXXX XXXX is the debt collecting agency. there info is XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX Texas Phone number XXXX. I have tried to call there resolution center and have left multiple messages and no one has gotten back with me.
Consumer complaint received 2023-02-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (AZ)

I deposited a State income tax refund check from the State of Arizona Treasury in the amount of {$3600.00} on XXXX XXXX XXXX the branch manager said because it is from the Treasury department the funds should be available the next business day. 

I did a mobile deposit and now Chase is saying it's on a 10 day hold with no justification why.

All my deposits to chase have been placed on a 10 day hold. I can deposit checks with a different institution and it clears in a day. I'm not sure why Chase is violating federal laws on deposit hold.
Consumer complaint received 2023-02-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have been disputing a certain account for several months now, yet have not received anything concrete to prove my case and keep it from being registered on my credit file. This is a clear violation of my rights. It appears that the credit bureaus have not conducted a thorough investigation of my disputes. I have included my dispute letters enclosing XXXX XXXX compliance data as well as consumer law challenges under the Fair Credit Reporting Act. Despite this, the accounts are simply coming back as verified without any proof of due diligence being done. This is highly concerning and unacceptable. 


The CFPB is the only hope of providing some justice to this situation, as the credit bureaus have been exploiting consumers rights for too long. I am submitting a complaint to the CFPB today, hoping that they will offer meaningful answers and have my best interests in mind.
Consumer complaint received 2022-06-17
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. (NY)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX has tried to maligned my name and reputation in the hopes that it will dent my credit score and make not credit worthy. 
XXXX is a XXXX company, For XXXX XXXX years, I was with them, the XXXX XXXX XXXX never had any problems with me and all the overages, high interest rates that I paid for their vehicles. All was well throughput those 9 years. Once I was tired of the disrespect and XXXX abuse, they have chosen to lie about me and my reputation. 
In 9 years ( XXXX to XXXX ). I humbly subjected myself to their lies. 

Now credit card companies are all denying me credit and claiming that I defaulted on a loan. Even during the XXXX Recession and global meltdown that impacted all facets of credit life. I chose to pay all my loans when I could have justifiably filed for bankruptcy. XXXX XXXX and XXXX XXXX  can attest to these facts that I paid all my loans. 

This is my last recourse because XXXX XXXX XXXX is trying to silence me, perhaps as they have similarly done to other XXXX people. 
I pray to XXXX that they do not succeed this time. Overtime the truth will come out about how XXXX XXXX XXXX XXXX has been to many of us.
Consumer complaint received 2022-06-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am my mothers POA. She has XXXX and has a letter from the doctor that she is not to able to handle her financial affairs. There is also a cease and desist letter on file that she is not to be contacted. On XX/XX/XXXX, Bank of America called my mother and had her pay {$600.00} over the phone. This was immediately withdrawn from her account. Because my mom is on a limited income, and her income only overs her month to month expenses, she will now have checks bounce. I will have to monitor more carefully. 
I spoke with BofA yesterday, and asked to have the XXXX $ refunded back to her account. After several hours, and much runaround, I finally was able to do so. However, the complaint is that it will take 7-10 days! Interesting how in a matter of minutes they can harass my mother to pay and its withdrawn from her account to theirs, but it will take 7-10 days to have it returned. This is unacceptable!
Consumer complaint received 2024-12-10
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Lexington Mortgage Corporation (CA)

Lexington Home Loans was supposed to pay our prior loans off and pay our property taxes that are currently due. The PACE loan was not paid off fully and the property taxes were not paid so my husband and I had to pay them out of pocket. No one will help me there. The person we talked with is is XXXX XXXX. I advised him we would be filing a complaint. I believe our next property bill due in XXXX we will also have to pay as the energy loan they told us was paid off is not and is part of the property tax and I do not believe they have accounted for this amount to be part of the escrow. I am not happy and feel like they have ripped me off. I would like for them to pay back what we had to pay for our property tax and fix this.