davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-29
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: Maximus Federal Services, Inc. (TN)

since XXXX of 2020, I have tried calling the student loan lenders to advise them I should not have or show any late payments on my account, I have disputed this several times, even to the point where I had to switch lenders because they was not properly handling my account and reporting inaccurate information to the credit bureaus. My credit report shows inconsistent information, XXXX late payments reporting all with the same account number. I do not have XXXX loans with the exact same account number which is another huge error on their part.
Consumer complaint received 2022-06-29
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. (FL)

My complaint is about XXXX XXXX XXXXXXXX Address XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX The above company placed an inquiry on my Experian Credit file without my consent. Please see below. I am victim of identity theft, this has been reported to the 3 major credit bureaus and law enforcement, a security alert is on my credit files see addendum below. ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX.
Consumer complaint received 2022-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

Because the traditional Credit reporting agencies are not the regulated Bureau, nor have they consulted with me to advise me what all would be disclosed to the public nor if did consult with me to see what i want reported. These practices are in violation of my Right to Privacy. The Equal Credit Opportunity Act states that all are equal under the law as all individuals ( the people ) must rely on the full faith & credit of the united states. Its because of these agencies that XXXX XXXX americans from access to the credit required for a better living experience with their families. Especially since the gold and silver been rules illegal. We can find any remedy. Then the bureau doesn't even respect the will of the consumer. What is this? Please instruct all agencies to cease and desist from reporting on my private business. Thank You.
Consumer complaint received 2022-06-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Credit Services Inc. (FL)

I was moving to another state. so I had to cancel my XXXX membership. I tried to cancel in person, but they could not help me, and told me to call to cancel. I called on the phone, and was told I had to send a written cancellation letter. I did that in XXXX of 2021. I moved to XXXX  to go to college. Now, a year later, my parents are getting collection notifications in the mail from FIRST CREDIT SERVICES, trying to collect on a year of " unpaid dues ''. I have since sent ANOTHER cancellation letter, this time by certified mail. I have tried to call multiple different phone numbers for XXXX XXXX, but no-one answers the phone.
Consumer complaint received 2022-06-28
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: National Credit Systems,Inc. (MD)

On XX/XX/2022 I noticed an unknown collection account being reported to the credit agencies. Immediately I took action and demanded the company in question to validate the alleged debt, cease communication directly and indirectly and cease all collection activity until the the alleged debt in question is validated and verified in accordance with federal law. I sent this notice via USPS certified mail ARTICLE # XXXX XXXX XXXX XXXX XXXX it was received on XX/XX/2022 by agent XXXX XXXX. National Credit Systems inc. has violated my Consumer rights as well as my rights to privacy. I Have no contractual obligation to this company and this company should not have my personal information. I did not give consent for this company to contact me or report any information negatively effecting my Credit Rating and destroying my reputation. National Credit Systems claims this account has been investigated and proven to be valid but has not provided any information on how it was lawfully investigated. This company knowingly continues to violate my rights despite my dispute and efforts to resolve the matter.
Consumer complaint received 2023-05-27
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Fraud. 
Someone opened XXXX XXXX credit card stealing my identity. 
Reported balance is {$11000.00} I reported to XXXX on XX/XX/23 No action yet taken from both XXXX XXXX nor XXXX. 
Froze all credit reporting agencies.
Consumer complaint received 2022-06-07
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc. (FL)

Comenity Bank has called me directly in the past and I sent them a letter in writing to cease calling me about the debt, approximately 60 days ago. They have ceased calling me directly but over the past 30 days have begun calling my family members and explained they are attempting to " locate '' me. Today I was there when they called my wife 's cell phone and so I spoke with the representative and reviewed the fact that I have informed them to stop calling me about the debt. The representative told me that they only had record of being told to stop calling me directly, but nothing in writing about calling my family members. That is false and also debt collection harassment.
Consumer complaint received 2022-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In. accordance with the Fair Credit Reporting act XXXX Account ( s ) XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-06-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (WV)

Got a letter from Jefferson Capital Systems about an old XXXX XXXX account that was unpaid in the amount of {$77.00}. I dont owe XXXX any money, and my name on the letter they sent me is misspelled. When I had XXXX many years ago the account wasnt even under my name.
Consumer complaint received 2023-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

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 15 USC 1681. 

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 15 U.S.C 1681c. ( 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 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 2022-06-28
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

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 15 USC 1681. 

XXXX XXXX XXXXXXXX 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 an account without my written instructions.

15 U.S.C 1681c. ( 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 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 2022-06-28
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. (NJ)

I received my credit report and to my surprise Experian still has a collection posted that is incorrect. This collection is not only reporting as OPEN but shows a past due balance of {$710.00}. According to the FCRA I have the right to an accurate credit report. 

Account Name : XXXX XXXX XXXX Disputed on these date XX/XX/XXXX Outcome : Account Update XX/XX/XXXX Outcome : Account Update Other Violation include : 15 USC 1681b ( a ) ( 2 ) I did not give any written permission for this information to be furnished on my report
Consumer complaint received 2022-06-07
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. (PA)

Because the traditional Credit reporting agencies are not the regulated Bureau, nor have they consulted with me to advise me what all would be disclosed to the public nor if did consult with me to see what i want reported. These practices are in violation of my Right to Privacy. The Equal Credit Opportunity Act states that all are equal under the law as all individuals ( the people ) must rely on the full faith & credit of the united states. Its because of these agencies that XXXX XXXX americans from access to the credit required for a better living experience with their families. Especially since the gold and silver been rules illegal. We can find any remedy. Then the bureau doesn't even respect the will of the consumer. What is this? Please instruct all agencies to cease and desist from reporting on my private business. Thank You.
Consumer complaint received 2022-06-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Consumer complaint received 2022-09-08
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: EQUIFAX, INC. (OH)

I filed a dispute on XX/XX/2022 with XXXX XXXX and XXXX, XXXX, and Equifax. However, the credit bureaus said the completed investigation and everything was 100 % accurate. 

According to the law 15 USC 1681a-Definitions : rules of construction The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who they talke to? 

How did they complete this investigation? 

How and who they verified this information with? 

I also had this bankruptcy removed from my XXXX  XXXX file and have attached the letter stating so. I also submitted this with my previous complaint and XXXX is stating " The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. '' This tells me that they did not investigate and the fact that I sent them a letter stating that it was removed and you are still reporting as accurate tells me they are blatantly breaking the law and violating my rights. My report is not 100 % accurate and they are reporting inaccurate information on my report. I have tried to have this corrected with them multiple times and I don't feel they have any integrity and the other agencies have not even sent me a response and it has been well over 30 days for all three. 


I have also received a letter from
Consumer complaint received 2022-06-07
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. (FL)

I have submitted several requests for my personal information to be updated and for incorrect names and addresses be removed from my credit profile. However, I received this email today from Experian with an obvious INCORRECT name " XXXX XXXX XXXX '' I have no clue who that is. I mean they can't even get that right. My name is XXXX XXXX XXXX. That is the only name I have/use and that's the only name that should appear on my credit report all other names and spelling variations should be DELETED immediately. I'm not sure who's furnishing their information but maybe they should double-check it before they submit it. If they were going by my previous request for a fraud alert they still got it wrong with the name. None of the documents submitted had that name on them unless it was to show inaccurate reporting ONLY.
Consumer complaint received 2022-06-28
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2022-12-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (MD)

On XX/XX/2022, I requested some documents via the aidvantage portal, to furnish to my mortgage lender for my pre approval process. On XX/XX/2022, I received the documentation that indicated my total loan amount and that my monthly payment was XXXX. However, the lender needed to see what my monthly amount would be once my loan is out of deferment. Which is indicated on my credit report, but my loans are in forbearance due to my attendance at a higher educational institution. Instead of communicating via internet, I decided to call on XX/XX/2022 and the representative was able to furnish a letter stating my estimated monthly amount, the loan amount listed on the document was in only {$60.00}, when I currently owe over {$150000.00} in student loans. Of course the mortgage lender refused to accept that documentation because it now shows conflicting information. I called repeatedly called XX/XX/XXXX and XXXX for someone to furnish the same letter, but with accurate figures, but every representative ( approximately 6 ) I spoke with, either I got disconnected or they said I have to wait 15 business days for my NEW application for and IDR plan to be processed. Im frustrated and confused how one was able to produce a letter but the others were not. I was even told they would have their supervisor write the letter and I got disconnected. AND NO ONE called me back after be disconnected. In addition, the representatives try to talk over you, or seem inept or just not trained properly. One had the audacity to tell me I filled out an application wrong, which I did not fill out one with then, it was produced based on the information they collected from me. This servicer is a hot mess and I hate to see how it will be after the XXXX pause is lifted.
Consumer complaint received 2022-06-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (MD)

I made a ach transfer from my XXXX  XXXX XXXX account to Truist bank on XX/XX/XXXX for {$470000.00} to there account XXXX routing XXXX as instructed by Truist to pay off my mortgage account XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Md XXXX to now the mortgage has not been paid I received a past due notice for the XX/XX/XXXX payment but since I had paid the loan off I didn t make the payment but had second thoughts because I didn t want it to effect my credit score of XXXX so on XX/XX/XXXX I paid {$2800.00} but now my credit score went to XXXX now I am worried because they want my XX/XX/XXXX payment I tried to talk to Truist called on XX/XX/XXXX was on the phone for XXXX XXXX hours transferred many times and hung up on 2 times I tried again yesterday after XXXX min on the phone was hung up on again// XXXX XXXXXXXX XXXX gave me the Fax number they used and I sent a Fax telling the situation and ask that they call me nothing happened