davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-09
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: CAPITAL ONE FINANCIAL CORPORATION ()

On XX/XX/2022 I requested from Capital one auto finance a COPY of my PAID receipts for the payments that were MADE from Years XXXX for the auto loan. I would like a copy of all receipts MAILED to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MI)

In regards to my consumer rights it is a violation of 15 USC 1666b to report timing of payment. A creditor may not treat a payment on an account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Also the information being reported is false there were never any late payments and the account is closed and paid off. The account was always in good standing. Spoke with representative of creditors XXXX XXXX and was informed that the late payments would be removed as they confirmed they have received the letter from XXXX XXXX XXXX informing that it was an error for it to be reported.
Consumer complaint received 2022-04-18
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. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

In Accordance with the Fair Credit reporting act these accounts have violated my rights : ( 15usc.1681 section 604a section2 ) & 15USC 1681 602a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX FIN XXXX XXXX XXXX XXXX XXXX XXXX XXXX *15USC 1681 section 602a states i have the right to privacy & 15 USC 1681 section 604a section 2 also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-10-01
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. (GA)

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.

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 2022-03-25
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. (MD)

I have send a few letters about this issue and still nothing has been done. There are late payments that are reporting on my student loan... There is a billing issue ( 15 USC 1666B ) with my account because I have always been in school and my student loans have been in deferment so there should be no late payments... 

DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXXXXXX I want the bureau to Tell me in writing what information you received from this creditor to support the presence of these supposed late payments. Tell me in writing what you did to determine that the information the creditor provided was accurate. Note how the information was relayed to the creditor and the EXACT information ( type/kind ) that was provided to your bureau as PROOF of the accuracy of these late payments. Any claims of application alleged made by me or former must have validation of verifiable proof of adequately acquired permissible purpose from anyone exactly identified by documentary evidence to be me and only me and or anyone lawfully provable to be acknowledge as an authority with rights to adjudicate actions minus my direct permission to render said permission. I am absolutely within in my consumer rights per every and one even each any and or all state and or federal laws to requisite by demand of your lawful sworn attestment to the exactness and adequate legal obtainment of every and one even each any and or all of the challenged notes .Attest in composition to every and one even each an and or all of the data, every notation, the dates and balances, calculations and audits, accounting records and documented identities, the required XXXX enacted Metro-2 426-character format fielded. I want The bureaus to send me a new credit report showing the changes in my report which I take serious these bureaus are playing with my life right now... ..I don't understand why yall make things so hard for people I don't get it .....
Consumer complaint received 2022-03-25
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. (CA)

I have tried to dispute the incorrect lates on these accounts but the credit reporting agency will not reflect the change that my accounts are correct and payments are in good standing.
Consumer complaint received 2022-08-22
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)

I had previously sent in a request to remove many unauthorized credit inquires that your company is listing on my consumer report. At that time you stated that I must reach out to the company that listed the inquiry. Please see attached letters of confirmation that the inquiries are not authorized. 

I DEMAND THAT THESE INQUIRIES BE REMOVED IMMEDIATLEY! 

XXXX XXXX XXXX
Consumer complaint received 2022-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. XXXX Account # XXXX XXXX XXXX XXXX XXXX. Account # 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.
Consumer complaint received 2022-08-22
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)

On XX/XX/XXXX, I sent a notice to Experian to correct my personal information because there were inaccurate names, addresses, employers, etc. reporting. 

However, Experian did not remove all old information associated with the personal information section of my consumer report. 

Pursuant to 15 USC 1681 ( a ) ( 4 ) -Accuracy and fairness of credit reporting, There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

Also Pursuant to 15 USC 1681e ( b ) - Accuracy of Report, Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

My personal information should be listed as such and no other. 

Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Birthdate : XX/XX/XXXX SSN : XXXX Employer : This section should have no employer due to unemployment The following personal information needs to be deleted ASAP. 

Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, FL XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX addresses are inaccurate because I do not live there, and I can not receive mail or any correspondence nor do I have access to any of these addresses. The only correct address is the address I listed XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX.
Consumer complaint received 2022-03-25
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. (NC)

I have a parent plus loan that was started in XX/XX/XXXX I had two sons at XXXX XXXX University between XXXX. Starting in XXXX the loans were deferred as both my husband lost our Jobs. We had barely any income. During these years. I started XXXX XXXX in XXXX. I did not take out a loan I was granted a XXXX XXXX. In XXXX I began work and starting make payments again. I understand that interest had to be capitalized during that period. In XXXX is shows that I owe {$65.00}, XXXX to XXXX XXXX XXXX which is incorrect. I never took out a loan at this school. My only loan should be to XXXX XXXX which started at XXXX. See attached history. XX/XX/XXXX shows another loan for {$12000.00} at 8.50 %. I have not idea what this is. I really don't think I should be responsible for this I will try and locate the XXXX XXXX approval but is has been 20 years or so. I appreciate your assistance. Additionally when I refinanced the loan at XXXX. I was given a rate of XXXX payment roughly 400 amount. At this point not really sure I owe that much.
Consumer complaint received 2022-07-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Specialized Collection Systems, Inc. (TX)

XXXX, Under the Health Insurance Portability and Accountability Act ( HIPAA ), I am allowed to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization.

*Please provide breakdown of fees including any collection costs and medical charges.

*Provide a copy of my signature with the provider of service to release my medical information to you. 
*Cease any credit bureau reporting until the debt has been validated by me.
Consumer complaint received 2022-03-25
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. (CT)

XXXX maliciously reported my payment history for XX/XX/2022. The payment was due on XX/XX/2022. I requested for an extension and was granted on XX/XX/2022. I was told I had 10 days to sign this extension and make the payment. I chose to pay and sign the agreement on the same day XX/XX/2022. I received confirmation from XXXX on the executed agreement and payment receipt on XX/XX/2022. A few days later I was notified from my credit monitoring services, Ally reported I didn't make payment so they added a 30 day marker for XX/XX/2022. I spoke with their representative on XX/XX/2022 and file a complaint and investigation into this error. On XX/XX/2022, I was advise they don't care whether it was less than 30 days late or not. As long as it is close to 30 days late, they can add the 30 day marker. I expressed repeatedly it was not a full 30 days because XX/XX/2022 is not a full 30 days. XX/XX/2022 was actually 28 days. They were suppose to wait till XX/XX/2022 to see if I was 30 days late. 

This malicious action has cost me Big and is affecting my livelihood. I need to be able to work in order to make my payments. My score dropped about XXXX points. I worked so hard to maintain good credit and in one shot XXXX destroyed XXXX! 

Please help, they can't violate me and get away with it.
Consumer complaint received 2022-03-25
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-08-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX TO WHOM IT MAY CONCERN : Dear XXXX XXXX This is to notify you that according to my consumer demand to have no derogatory information revealing unless it is, as required by laws, proven completely to be true, correct, complete and certified compliant in detailing of that defamatory or potentially any part of it. I demand immediate erasure of any not testimonially genuinely verified certified all things considered. 
To the responsible party in question, you the credit reporting concerns of non-compliancy : It is illegal and immoral to hold or report deceiving or dubious data, particularly considering a created consumer complaining and information you of said issues, so please delete the accompany incriminating and wrongfully revealed inaccurate information at the very moment. 
These items are reported inaccurately : Derogatory Remarks/Collections/Accounts XXXX XXXX. XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX. XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX. XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX XXXX XXXX XXXX {$10.00} XXXX XXXX. XXXX XXXX XXXX XXXX {$0.00} XXXX Unauthorized inquiries XXXX. XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX
Consumer complaint received 2022-08-22
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)

On XX/XX/XXXX, I sent a notice to Transunion to correct my personal information because there were inaccurate names, addresses, employers, etc. reporting. 

However, Transunion did not remove all old information associated with the personal information section of my consumer report. 

Pursuant to 15 USC 1681 ( a ) ( 4 ) -Accuracy and fairness of credit reporting, There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 

Also Pursuant to 15 USC 1681e ( b ) - Accuracy of Report, Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

My personal information should be listed as such and no other. 

Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Employer : This section should have no employer due to unemployment The following personal information needs to be deleted ASAP. 

Name : 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 The addresses are inaccurate because I do not live there and I can not receive mail or any correspondence nor do I have access to any of these addresses. The only correct address is the address I listed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-08
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)

Over the past couple of years i have sent multiple certified notarized request to provide the original consumer contract from multiple accounts. I never received the original consumer contract.. Account remain on my file and my requests have gone ignored with just reponses of " verified '' yet NO orginal consumer contract provided.. this is exhausting how can you put a file on someone report but DO NOT provide the original Instrument??
Consumer complaint received 2022-04-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (TX)

I received a bill from XXXX XXXX  for cable service and a XXXX device in my Mom 's name in XXXX or XXXX of XXXX. My mother who died in XXXX of XXXX. There's no way she could have or would have ordered cable service even when she was alive. Now I'm receiving a debt collection notice from Amsher Collections Service in My Mom 's name. The original charter bill had no way to contact them. No email. No Phone Number. ( Can you say scam? ) I don't appreciate it that an employee at XXXX has accessed a list of deceased people to most likely get commission credit for completing sales. I know I don't owe the debt because it is not in my name, but it is very disturbing to continue to receive bills and now dunning notices in your deceased parent 's name.
Consumer complaint received 2022-03-25
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Klima, Peters & Daly, P.A. (MD)

Around XXXX XXXX I contacted collection agency Peroutka, Miller and Peter PA to settle the XXXX XXXX credit acct and I was told by their representative that when I paid the {$10000.00} that they would delete this account from the three credit reporting agencies ( XXXX, XXXX and XXXX ) and the original lender XXXX. Also, I was told that if I didn't pay they would garnish my wages and income taxes. 

However, when I reviewed my credit report I noticed that XXXX XXXX  act # XXXX is still reporting on my credit report after paying the {$10000.00} as instructed. Secondly, based on the agreement with their representative I'm respectively requesting that they honor the agreement and delete this account from all three credit bureaus and have the original lender delete the account. I would have not paid the account off if not assured that they would honor it.
Consumer complaint received 2022-03-25
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. (FL)

I have been disputing some errors in my credit report and it has been more than 60 days with no response from the credit bureaus.
Consumer complaint received 2023-10-01
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA (CA)

I recertified my loans as I was supposed to and resubmitted updated pay stubs. The calculation was that my loan payment would be approximately {$340.00} a month. Today, XX/XX/XXXX, I check and find that my payment has jumped to {$450.00}.
Consumer complaint received 2022-06-08
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2022-03-25
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. (TX)

I sent disputed to XXXX and Transunion for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2022-08-22
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. (OK)

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 ( under the laws of the United States, if executed outside of 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 file 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. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are 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 is being investigated by the FTC.