davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-22
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

I sent a credit reporting dispute to Experian, XXXX, and XXXX Credit Bureaus on XXXX XX/XX/2022, requesting that three accounts listed on my credit report as XXXX XXXXXXXX, XXXX, and XXXX XXXX be verified by requesting the companies provide a copy of the original signed contract between the debtor and myself, as well as pay disclosures, interest rate disclosures, balance histories, and payment histories of each of these said accounts. I requested these documents be provided via mail because I know they do NOT exist. I previously submitted a dispute asking each credit bureau to research these accounts for possible fraudulent activity and got the same response from each bureau that accounts have been verified. I believe that the bureaus are NOT thoroughly investigating my claims and requesting the proper documentation to validate debts but instead unlawfully not complying. I have attached the certified letter that was forwarded to all three major credit bureaus on XXXX XX/XX/2022 and am requesting that they request and obtain all proper documentation from debtors and accurately investigate my dispute which will determine that I have no signed contract with any of the debtors listed above.
Consumer complaint received 2022-02-22
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

I do not recall the first time I was contacted by this company but I have attempted several times to receive information regarding the supposed debt. I received very little information just that its a payday loan that I " think '' was applied for in 2013? I may be completely wrong on that year. When they were going thru the " verification '' process they had several Identification facts correct, apparently someone did have an ID/ or an old drivers license of mine. However in the talk they asked if my email was ** it was not, they also asked what my relation was to several people, well I didn't know a single one of them. So I did digging of my own and looked the email up via XXXX, the wonders of the internet are incredible. But alas I came across another person with my name only this was her married name not her maiden name. I reached out several times to try and contact her and her ex husband and never got any replies. I am putting the complaint in today because while I don't believe this woman used my information for any other purposes as nothing has shown up on my credit report in the past XXXX  years except accounts I myself have started. I have a phone number for the collections company and an account number they have affixed to it but no other information from them. They have assured me if I ignore the expected delivery of paperwork tomorrow that I will be persocuted and funds will be allocated thru a default judgement. It honestly isn't even about the amount of this loan it's the pure fact I know it wasn't me, and they refuse to show me any proof they have of who took out the loan. If they allowed someone to use my expired ID to take out a loan I have the right to be XXXX you can't even buy a beer with an expired ID lol.
Consumer complaint received 2021-04-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Debt Mediation, Inc. (GA)

On XX/XX/2019 me leased ended in which I have documentaion. At the beginning of XXXX I called the rental office and in form them that I would be leaving XX/XX/2019 in whch I paid my rent in full for that month and i also have documentation for that as well. I move out the unit on that date and it has been empty since. Durning that process I foward all my mail to my mothers address, on XXXX the XXXX, I recieved a letter from XXXX XXXX XXXX XXXX dated XX/XX/2019 stated a dispossessary notice was filed and was to answer by XX/XX/2019. Never the less I answer the eviction online and the apartment complex choose to drop the eviction. In XXXX of XXXX  I filed XXXX  XXXX after that a creditor begin to call me and stated that I owe them XXXX $ from the apartments for XXXX months after I had left. And they took my security deposite, I do have court orders to prove this,
Consumer complaint received 2022-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

I have called and sent multiple letters to this company regarding My daughter SSN and credit profile. She shouldnt have one she is XXXX  years of age. Her SSN keeps being used. I would like her report to be erased and blocked as this is not her. I have attached her school Id and ssn card. Her date of birth is XX/XX/2009
Consumer complaint received 2023-04-01
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. (FL)

This is the third attempt to resolve this issue with credit bureau ( provided proof of delivery of request. ) The inquiries listed below were never authorized by me and are reporting as a credit error. I have no resolution with the 3 credit reporting agencies and I am requesting assistance to please remove all credit error inquiries. 

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 2022-01-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY (FL)

A checking account was fraudulently opened with TD Bank without my authorization using my personal information. I called the bank and reported the fraud. They said they would investigate it and issue a letter to me about the account and close it. They have done neither, as i still get statements in the mail. I have written to them to advise of the fraud and asked them to close the account. I received a new bank statement as of the day i write this.
Consumer complaint received 2021-10-28
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. (GA)

Reported errors for over 2yrs using dispute process, came back " verified '' each time, agency failed to report only accurate information for over 2years and even allowed creditor to re-date payment history to appear as recent causing severe damage to my creditworthiness in the eyes of lenders.. i submitted multiple disputes to fix this and nothing happened, i asked for the accounts to be dele/ted but they simply updated some items and left the entries on my report..as of this date/ they are still not accurate * the credit bureaus are required to report only 100 % accurate information and they have violated FCRA and the creditor has supplied incorrect information for years and verified it as accurate each time it was disputed, everything for dates to balance to payment history has been different in each reporting to the bureaus but came back verified each time it was disputed
Consumer complaint received 2022-09-17
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: 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. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 2. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX 3. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 6. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 8. The inquiry was not authorized XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Delete this account. 9. The inquiry was not authorized XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Delete this account. 10. The inquiry was not authorized XXXX  Date XXXX inquiry : XX/XX/XXXX Delete this account. 11. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 12. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 13. The inquiry was not authorized XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Delete this account. 14. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
15. The inquiry was not authorized XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Delete this account. 16. Validate Inaccurate/Reported Late payments XXXX XXXX Account Number : XXXX Please correct/update this account. 17. there is some inaccurate information reporting. XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 18. there is some inaccurate information reporting. XXXX Account Number : XXXX Delete this account.
Consumer complaint received 2021-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NJ)

I'd Really like for Experian to take a look at the negative item that Ive listed below, because Ive tried again and again to make sense of what Im seeing. unfortunately. I cant make heads or tails of this and need your help Ive found multiple inaccuracies and Im aware that your job is to ensure the accuracy of my credit report. if you would, please investigate these item and send me a new credit report reflecting the changes ( I would appreciate it if youd expedite this because i need to apply for a job ). if you really look at the info that ive provided, youll see why ive said these arent reported correctly what i cant figure out is why im seeing this information to begin with, because arent you supposed to verify everything before it every hits my credit report i really dont think that youve done this so i would really like for you to fix this now. please investigate the following account : XXXX XXXX  # XXXX
Consumer complaint received 2022-06-28
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (NJ)

I have continuously tried to pay my bill online and by phone. The website statement that pops up is We're sorry. A technical glitch occurred and your request could not be completed. Please try again. 
When you call there is a recording and then hangs up - there is no options to even speak to an operator.
Consumer complaint received 2022-11-19
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. (TX)

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 XXXX XXXX XXXX. 

ACCOUNT NAMES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 USC 1681- ( A ) - ( 4 ) : THERE IS A NEED TO INSURE THAT CONSUMER REPORTING AGENCIES EXERCISE THEIR GRAVE RESPONSIBILITIES WITH FAIRNESS, IMPARTIALITY, AND A RESPECT FOR THE CONSUMERS RIGHTS TO PRIVACY. 

XXXX5 USC 1681-SECTION 604-A : SUBJECT TO SECTION ( 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.

15 USC 1681 SECTION 623 : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION. ( 1 ) PROHIBITION ( A ) REPORTING INFORMATION WITH ACTUAL KNOWLEDGE OF ERRORS. A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR CONSCIOUSLY AVOIDS KNOWING THAT THE INFORMATION IS INACCURATE.

15 USC 1681 B- ( C ) ( 3 ) Information Regarding Inquiries-a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is initiated by a consumer.
Consumer complaint received 2018-12-15
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc. (MI)

I have a charge off on my credit due to a fraudulent auto loan on my credit reports. I have never applied nor submitted any info to obtain this loan. I did not authorize nor co-sign for anyone else to do so on my behalf. I have been battling back and forth with this issue with the debt collector for some time now.
Consumer complaint received 2022-11-18
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. (MI)

My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by TransUnion. Despite sending them the last letter, dated XX/XX/2022, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below are the accounts that are still reporting on my account : XXXXXXXX XXXX XXXX XXXX Balance : {$6900.00} XXXX XXXX Balance : {$1800.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2021-07-06
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (ND)

I am very unhappy with the credit bureaus. They are not doing their job at all. Back in XXXX of this year I submitted disputes with them on collections that should not be on my reports. XXXX XXXX XXXXs past 7 years on both accounts. XXXX XXXX XXXX  XXXX should have never been on my report that was reported in total error, XXXX XXXX XXXX XXXX. I do not owe them any money since the place was already lease before I even move out.. I do not understand why this is XXXX and I still have not heard a word from any of the bureaus regrading these issues. The disputes I sent were very clear on what I wanted done and who they were what more do I have to do to get this resolved?
Consumer complaint received 2021-07-06
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. (OK)

I was a victim of identity theft and did not realize this until I received an alert. I have since filed a police report and disputed this information with the bureaus and have had this removed from all other bureaus. However, TransUnion has declined my attempts and claim that this has been verified but yet has not provided any proof of to show where they have verified through the physical verification of the original signed consumer contract. I also demand to exercise my right pursuant of 15 USC 1681 ( a ) under section ( b ) where it states that anything that was extended or authorized for a credit card should be excluded from my credit report. This should not be reporting on my credit and is unfair that I have been put through so much to have this inaccurate account removed. Specially being that a police report has already been filed. I spoke to several agents and have sent letters in regards to this inaccuracy with no success.
Consumer complaint received 2019-12-10
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (CA)

To whom it may concern, I am very concerned about whats going on with my property, RUSHMORE LOAN MANAGEMENT SERVICES approved a short sale on my property almost 4 weeks ago. RUSHMORE LOAN MANAGEMENT SERVICES agreed to sell the property at the current market value, Buyer paid for their own appraisal and now RUSHMORE LOAN MANAGEMENT SERVICES refuses to issue the short sale approval based on the licensed appraisal report.

RUSHMORE LOAN MANAGEMENT SERVICES told me that even though the value of the house is {$590000.00}.

RUSHMORE LOAN MANAGEMENT SERVICES and their investor want {$620000.00} as penalty to my family and I for my background and for applying for a short sale. 

This response came to my family and I as surprise since we never knew RUSHMORE LOAN MANAGEMENT SERVICES can penalize me because of my background and the history of my property. 

Now were in big trouble because Buyer spent money on the property and I don't have any money to pay the penalties that RUSHMORE LOAN MANAGEMENT SERVICES claims to  have. 


Please help me since I really don't want to have any issues with the buyer. all im doing is the right thing to short sale my home to avoid foreclosure and its not fair that RUSHMORE LOAN MANAGEMENT SERVICES is trying to take  advantage of the situation at the last minute. 

XXXX XXXX
Consumer complaint received 2021-04-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (MI)

In XXXX I applied for incarceration deferments for both my Fedloan Servicing and XXXX student loans. I sent the documents out along with a prison caseworker on the same day. A few weeks later I received confirmation for deferments on both accounts. The next year I was released in XXXX. I was sent to a halfway-house 5 hours away from home. I was only allowed to use the internet once a week at the start of my stay. My first time checking my personal email showed an email from Fedloan saying I was in danger of default. I called the following Monday after seeing this email ( around XX/XX/XXXX ) give or take a week. I spoke to an account rep who told me I would be defaulting that Friday if I did not take care of my late payments. I asked why the account was not in deferment and he told me there was no record of applying for a deferment, but he did say there was a record of my Mother calling to request the paperwork be sent to me in the prison. Which did happen, but I also filled it out, sent it in ( in the presence of a federal employee ), and got a return letter of confirmation. My XXXX loan had no problem with the deferment paperwork through my local college. I said fine, I will call back Wednesday when I could go get a bank card from the halfway house and pay what I need. I got the debit card from a bank just down the street and called Fedloan back. When I spoke to the next rep they told me that the loan had defaulted the day after I called, Tuesday. I told the rep that the previous one had told me I had until Friday and his response was, '' well I dont know why he would lie to you. '' And they defaulted my loan and went about their day. I have tried contacting my State DA 's office, the CFPB, countless lawyers, anything resource I can find, The fees keep racking up and I get no answers and no help for going on 4 years now ... They take my taxes and rack up the fees. Fedloan employees committed fraud and no one will listen. I told myself I am going to give this one last shot and found this site. Please help.
Consumer complaint received 2021-10-28
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: Lendmark Financial Services (CA)

The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given. I demand proof that you went through all the proper and logical steps that would have been necessary to validate or refute my dispute. If your agency is unable to do so, I demand that this account be removed from my credit report.