davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (OH)

I applied for the XXXX student loan pay pause refund on or around XX/XX/2022. At the time I was told I should receive check in around XXXX XXXX weeks time. 
I called again a few weeks later and was told that because of the amount of request, the time was pushed to XXXX weeks. I wasn't told if the refund was approved or not so I called back and told told that the refund was indeed approved. But the timeframe is still XXXX weeks. 
I called again a few weeks later because I received no updates. At this time I was told that my refund WOULD NOT be approved because of a case with XXXX XXXX XXXX XXXX I called XXXX XXXX and they told me that my case will not affect my refund. 
I called again and couldn't get anyone on the line to assist with a status. 
I called today ( XX/XX/2022 ) and told that my loan will NOT be received until XXXX weeks AFTER it is completed. 
I find this totally unacceptable. Everytime I call I get different information and everytime I call I get different reps providing different information or status updates. Now my refund is not scheduled until XXXX at the earliest. I planned bills and payments based on the timeframe in was given before. And now I feel I'm not getting accurate data from. Aidvantage.
Consumer complaint received 2022-07-29
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. (PA)

I have repeatedly requested the credit agencies to remove the unknown and incorrect addresses from my consumer report, yet they still remain. Pursuant to 15 USC 1681 ( a ) ( 1 ) - the banking system is dependent upon my consumer report being fair and accurate. After reviewing my consumer report, it has come to my attention that XXXX continues to report inaccurate information was furnished, and I was never notified during the company 's initial investigation that they were going to report this information.
Consumer complaint received 2023-03-24
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. (NY)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$31000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$52000.00}, and XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00}. Please delete.
Consumer complaint received 2022-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: LEXISNEXIS (IL)

I have requested for the last week for my consumer disclosure report. I went through the portal and tried to call. I know there is some incorrect information on the report because of selling of my information. I get the response " An error occurred during execution ; please try again later. 

LexisNexis Homepage LexisNexis Consumer Disclosure Your Privacy Rights FACT Act Security Freeze Your FCRA Rights Help An error occurred An error occurred during execution ; please try again later. 
XXXX Copyright 2022 LexisNexis Risk Solutions. About Us | Terms & Conditions | Privacy Policy | Site Map As a consumer and a victim of my debit card being compromised ( identity theft ) I am writing this for full investigation.
Consumer complaint received 2022-10-12
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)

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies Pursuant to 15 U.S. Code 1681s2 ( b ) ( 1 ) ( D ) - if the investigation finds that the information is incomplete or inaccurate, report those results to all other consumer reporting agencies to which the person furnished the information and that compile and maintain files on consumers on a nationwide basis ; and Pursuant to 15 U.S. Code 1681s2 ( b ) ( 1 ) ( E ) - if an item of information disputed by a consumer is found to be inaccurate or incomplete or can not be verified after any reinvestigation under paragraph ( 1 ), for purposes of reporting to a consumer reporting agency only, as appropriate, based on the results of the reinvestigation promptly ( i ) modify that item of information. 
( ii ) delete that item of information ; or ( iii ) permanently block the reporting of that item of information. 

The 11 accounts named Dept of Ed/XXXX  with acct # XXXX was removed from my XXXX report because of inaccurate information that was being reported on XX/XX/XXXX. I contacted Experian & XXXX multiple times to get this information updated but stated the accounts came back as verified. This specifically violates my rights Pursuant to 15 U.S. Code 1681s2 ( b ) ( 1 ) ( D ). CFPB Complaint # XXXX for reference of deletion. 

Experian shows : {$35000.00} XXXX shows : {$0.00} XXXX shows : {$35000.00} XXXX was suppose to report this information to the other 2 bureaus Pursuant to 15 U.S. Code 1681s2 ( b ) ( 1 ) ( D ) and by Law Experian & XXXX violated my rights Pursuant to 15 U.S. Code 1681s2 ( b ) ( 1 ) ( E ) wish states all inaccurate information is to be deleted upon notification. 

On XX/XX/XXXX I notified XXXX and Experian through the CFPB both companies. 
Experian Complaint ID : XXXX XXXX Complaint ID : XXXX This can be tailored to XXXX Complaint ID : XXXX ON XX/XX/XXXX
Consumer complaint received 2022-07-29
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. (DE)

This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX Balance : {$650.00} XXXX XXXX XXXX XXXX Balance : {$4600.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$6800.00} XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$430.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$300.00}
Consumer complaint received 2023-02-24
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. (TX)

I sent a letter on XX/XX/XXXX, to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$4900.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX, XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX Balance : {$0.00} ( Original Creditor : ) XXXX : {$81.00} ( Original Creditor : ) XXXX Balance : {$100.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX was added to my credit report as my employer. This is incorrect reporting and i want this removed immediately. I do not work for XXXX XXXX XXXX.
Consumer complaint received 2022-05-25
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: ENOVA INTERNATIONAL, INC. (OH)

Good afternoon. I'm writing to inquire if your organization could help me with an identity theft issue and an unscrupulous banking arrangement between Netcredit ( XXXX, IL ) and XXXXXXXX XXXX XXXX XXXXXXXX XXXX ( XXXX, OH ). Their service is one of three that allowed bad actors to attempt to borrow large sums of money against my credit profiles. While the other two " banks '' quickly handled the fraud issues and their respective hard pulls against my credit profiles, both Netcredit and XXXXXXXX XXXX XXXX XXXX XXXXXXXX have refused to correct this matter. 

Thus far I've submitted complaints on the FTC and Ohio XXXX websites, but nothing has happened and frankly I'm not expecting much from these agencies. However, I want to protect my credit profiles and send a message to fradusters like these jokers. 

While I've already locked all three of my credit profiles, I'd like to know if I have any legal remedies available to me since XXXXXXXX XXXX XXXX XXXXXXXX is based in Ohio and I'm an Ohio resident. Perhaps a cease and desist or demand for compensation for time spent working to rectify their debacle? 

In any event, please review the following thread and attached emails in PDF format regarding this matter and let me know if this is something your organization may be able to assist with resolving. Thank you in advance for your time and assistance... and I really hope that the CFPB can help me.
Consumer complaint received 2022-07-29
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. (NC)

IN accordance with the fair credit Reporting act, Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, have violated my rights. 15 have violated my rights. 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 15 U.S.C Section 604 A Section 2 It also states a consumer reporting agency can not furnish a account without my written instructions ( I DID NOT GIVE THEM WRITTEN PERMISSION ) 15U.S.C 1681 ( a ) ( 5 ) Section States : NO CONSUMER REPORTING AGENCY may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven year
Consumer complaint received 2022-07-29
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: I.C. System, Inc. (GA)

I am a victim of identity theft and someone used my personal information without my consent to obtain fraudulent accounts in my name without my permission. 

I did not benefit from any goods or services of these fraudulent accounts. I am requesting for the following companies to delete and remove these fraudulent accounts my credit report as well as from its system. 

1. XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX 4. IC System
Consumer complaint received 2021-11-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Credit Karma (UT)

On XX/XX/XXXX my card was declined for {$7300.00}. I didn't know at the time that the limit per day I could make was {$5000.00}. I called customer service and the fraud team to confirm & verify it was me and that I was purchasing a car from XXXX XXXX XXXX. That same day I tried lesser amounts for {$5000.00} & {$4000.00}. Both transactions got declined so I called customer service again and was told to to wait 24 hours to try these transactions again. I waited until 2 days later on XX/XX/XXXX to try again. I still got declined for {$5000.00} or {$4000.00} at XXXX XXXX XXXX. I talked with customer service and the fraud team again and said that the card should be working fine. I tried the same thing on XX/XX/XXXX and kept being declined again at XXXX XXXX XXXX. I was extremely frustrated bc this money was deposited into my account from my car insurance XXXX for my totaled car. I'm a single mom and need to buy a car for my independence to drive to work. I've been wasting my child support money that I've never touched before. I was saving it solely to give to my son when he's XXXX. But I've been depleting that money bc I have no choice. But I'm still car less & having to rely on a friend to take me to work or pay for XXXX. On XX/XX/XXXX is when I got paid out by my car insurance XXXX in the amount of {$6400.00} to purchase a car. The only reason I opened this Credit Karma account was because XXXX stated I'd get my tax refund quicker if I did. And on XX/XX/XXXX my refund was deposited into this account information the amount of {$3800.00}. I never had problems until the larger amount was deposited from my car insurance company.
Consumer complaint received 2022-06-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC (TX)

Selene Finance is not abiding by any rules that were enacted to help homeowners experiencing a hardship during Covid. They state i filled out and already submitted a mortgage assistance application request which is impossible. I have not filled out anything yet for much needed mortgage assistance and am trying to do so now. Only Selene states that XXXX is the one who informed of them of such mortgage assistance application that i filled out as they transferred me over to them at the beginning of the year on XXXX Am I missing something? When did word of mouth between servicers become acceptable for something like this? I need to see these documents that XXXX states I supposedly filled out. 

Please note, anything that is produced that is being used as an submitted application for assistance from me is going to be 100 % false and constitutes fraud. I have not filled out any such application yet and am trying to do so now. 

Aren't there rules XXXX must follow? How can they just state and do whatever they want? When is word of mouth from another servicer good enough over the actual homeowner who would know if he or she filled out something and submitted it or not. 

Please submit these documents for mortgage assistance that i supposedly filled out and submitted. If there are such docs that can be produced, those docs were not filled out by me and that constitutes fraud. 

Please see attached docs for backup to what i say.
Consumer complaint received 2021-02-24
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: R & R Collection Service, Inc. (UT)

On XXXX XXXX, 2021 that read <my name> Your document delivery has been scheduled for Thursday, XX/XX/XXXX XXXX. Document requires signature at XXXX XXXX XXXX XXXX in XXXX XXXX XXXX. To manage delivery please contact XXXX  XXXX XXXX XXXX. Reply XXXX to stop messages. 

I called the number and I was told first it was an attempt to collect a debt. They knew my name and a bunch of information like the last 4 of my social, past employer, bank name, etc. It sounded legit because I've taken payday loans out many years ago. He stated that I defaulted on a {$500.00} loan and fees and interest has grown the amount owed to over {$2600.00}. I can settle with him, the rep, for {$500.00}. If I do that, I won't be reported to credit bureaus but the notification I am to get tomorrow is voided because I called. He said he'd send an email about settlement while we were on the phone. I told him I would not pay anything today and that I need to see it all in writing. He said that would mean I am defaulting and disputing which meant it would be reported. I asked who I was talking to and he said he is with R & R Collections, his name is XXXX XXXX, rep number XXXX. He talked very quickly at that point. He then reiterated that I am not agreeing to settle and I can dispute it. He then hung up. I called back, was put on hold, then finally got a woman who told me the name of the creditor is XXXX XXXX XXXX. That is not a company that XXXX  well and the woman told me that they are a parent company of many payday loan companies. She also said she doesn't have a phone number for them. I have reported this to the Texas XXXX  and will write to R & R to stop calls. BTW-I tried calling the R & R Collections in Texas and there was no answer. This screams scam but if I do owe money I need the actual company to call me and discuss it.
Consumer complaint received 2024-10-16
Product: Credit reporting 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)

This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b. 

I demand that the following items be deleted immediately from my credit report :
Consumer complaint received 2022-08-15
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXXXXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AZ)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT.THE LISTOF ACCOUNTS BELOW HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALITY UNDER 15 USC 1681. 

XXXX XXXX XXXX # XXXX HAS VIOLATED MY RIGHTS. 
XXXX # XXXX HAS VIOLATED MY RIGHTS. 
XXXX XXXX XXXX # XXXX HAS VIOLATED MY RIGHTS. 
XXXX XXXX XXXX # XXXX HAS VIOLATED MY RIGHTS. 
XXXX # XXXX HAS VIOLATED MY RIGHTS. 
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 an account without my written instructions. 

15 U.S.C 1681 s-2 ( a ) ( 5 ) Section States ; No consumer reporting agency may take any consumer report containing any of the following items of information, Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AL)

Under 15USC 1681 all Information has to be reported 100 % accurate, which it is not.I have been going through this with them for the last two years and they removed it and put it back on which is a violation and its different different between XXXX credit bureau, which is a violation of my right I am sick and tired of dealing with them. I am going to legal actions against them and request {$1000.00} per violation plus punitive damages because damaging my reputation, I asked him for the validation of the dead and the purchase they have not sent me nothing so I feel like you all is intentionally reporting this because after 30 days that they are given to dispute an extra 15 days and still its been two years so I am going to proceed legal obligations against them, attorney fees, and report them to the XXXX XXXX XXXX the state attorney, General the FTC and anybody else I can