davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-26
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. (LA)

My name is XXXX 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 reports no consent is fraud.
Consumer complaint received 2022-09-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RentDebt Automated Collections, LLC (GA)

NOTE : My name was previously XXXX XXXX. I got divorced and legally changed it back to my maiden name- XXXX XXXX. Either name may show up on records here. 

On XX/XX/XXXX, I received a final statement and ledger via email from XXXX on the XXXX apartments ( a carter haston community ). I will attach it here. It indicated that I did not owe anything after moving out of my apartment ( XXXX ) ; I was paid in full. Additionally, the statement indicated that the community in fact owed me money. I did in fact recieve that money promptly. 

Then, at the very beginning of XX/XX/XXXX, I received a letter from XXXX indicating that I owed XXXX -- an amount I had never seen or heard of before. I tried contacting XXXX on the XXXX via email and phone at least 8 times over the following few weeks but did not receive call backs or confirmations that action was being taken. Finally, I was able to get through to XXXX XXXX, who told me she would return my call after having a chance to look over my ledger. A full week later, I still had not heard anything back. So, yesterday, XX/XX/XXXX, I called the community again and was informed she would be calling me back by close of business. Again, I heard nothing. 

This morning, XX/XX/XXXX at XXXX XXXX, I finally received an email from XXXX XXXX It indicated that she couldn't tell where the account balance came from as she could only see my account so far back as XX/XX/XXXX ( I lived in the apartment complex starting in XX/XX/XXXX ). She sent the ledger she did have, which at no point shows why I supposedly owe this amount. It just exists somehow. I have tried to call and email back, with no response. I have also called the XXXX XXXX at XXXX XXXX ( XXXX XXXX ) and left a message with no response. I also have mailed the XXXX company with my dispute, prior to the date they indicated they needed it by. ( Mailed XX/XX/XXXX, due XX/XX/XXXX ) This is absolutely unfair and outrageous. I will not pay this debt as there is no way to show where it came from and it conflicts directly with all of the information i was provided by the complex throughout my move out process. Thank you for your help.
Consumer complaint received 2022-12-01
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The CMI Group, Inc. (CA)

This is debt I have no knowledge of this debt and I have told these people this repeatedly although they keep calling me they placed this on my credit report without my permission and refuse to remove it unless I paid them this amount owed by someone else. I refuse to pay this and they refuse to remove it from my credit report this is fraud and it is illegal they did not contact me by mail or phone until after I contacted them to remove this information off of my credit report.
Consumer complaint received 2024-10-22
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Bankruptcy
Company: Maximus Federal Services, Inc. (OR)

XXXX XXXX Aidvantage XXXX I started college in XXXX, some of my loans are over 30 years old. There is more penalty and interest now than principal. I am an XXXX and am often unemployed. I can not repay the debt because it has doubled and tripled in size. I am going to be retirement age soon.
Consumer complaint received 2022-12-08
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Foursight Holding LLC (FL)

I financed a XXXX XXXXXXXX from Foursight Capital, I made my payments on time every month between XX/XX/XXXX to XX/XX/XXXX. I trade in the XXXX for an XXXX XXXX XXXX, at XXXX XXXX XXXX XXXX, now my XXXX is being financed with XXXX XXXX. I've been making my payments for my new car the XXXX from XX/XX/XXXX- to currently. I'm checking my credit and the XXXX is still reporting on my credit, and I have 4 months of late payments due to this. The XXXX with Foursight Capital should be closed and with no late payments since I made my payments before I trade in my XXXX I need this updated because it's been hurting my credit drastically, and also I have a family, and this hurting our chances of purchasing a home. This is bringing my family a lot of stress, I tried contacting the dealership, and the bank ( Foursight Capital ) for months now, and no changes have been made. I attached paperwork confirming the trade-in, and payoff for the XXXX for Foursight Capital
Consumer complaint received 2022-12-09
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. (NJ)

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-10-14
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. (CA)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I dated the previous letter I sent to the XXXX and Equifax credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$11000.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}
Consumer complaint received 2022-10-14
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. (NY)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$4700.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-09-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

In accordance with the Fair Credit Reporting act 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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Mine is simple. I pay my card in full each month. This month, I owed under {$30.00} and it dropped my credit score. Monthly, when I pay the bill, I add in what I charged AFTER the bill and I also try to anticipate what I need to cover charges BEFORE the next bill. So why, if the card gives me a 30 day grace to pay the bill, bureaus can drop your score for the same issue, having a balance that is not yet interest bearing? If I carry a credit, the bank will refund me after X days. I wouldn't have to if I could pay what I owe and not have to fear messing up my score which is a quite good one because I have a balance due. Can't this be fixed? You're punishing good borrowers. It's bad enough that XXXX let a foreign goverment steal my data. It would be nice if your agency could close this loop.
Consumer complaint received 2022-09-05
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. (NC)

My name is XXXX 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.
Consumer complaint received 2024-10-22
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Avant Holding Company, Inc. (NC)

I need my payments deferred for XXXX months because my job was postpone due to XXXX XXXX. I can start paying in XX/XX/year> at the regular payment schedule. 
I was on the phone today, Tuesday, XXXX XXXX with Avant where I was out on hold constantly and told nothing because they were hoping I hang up. I have never been late on a payment. Then the Avant rep hung up on me. I need my payment defer and Avant unlawful practices is not helping. This behavior needs to be reported.
Consumer complaint received 2022-05-06
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)

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 2022-10-14
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. (NY)

In accordance with the FCRA this creditor ( XXXX XXXX XXXX XXXXXXXX ( Delinquent for XXXX XXXX of XX/XX/XXXX ) XXXX ) XXXX XXXX XXXX XXXX XXXX ( Delinquent for the XXXX of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) XXXX ) XXXX XXXX : XXXX ( Delinquent for the XXXX of XX/XX/XXXX ), has violated my rights. Under XXXX XXXX XXXX section XXXX states I have the right to privacy. Ive been denied from housing and excluded from jobs due to the violation of XXXX XXXX XXXX XXXX XXXX. Under XXXX XXXX XXXX section XXXX section XXXX states that a consumer reporting agency can not furnish an account without my written instructions. I never gave the XXXX XXXX XXXX my permission to furnish my account and I would like the information furnish on my account to be removed ( ( XXXX XXXX XXXX XXXX ( Delinquent for the XXXX of XX/XX/XXXX ) XXXX ) XXXX XXXX XXXX XXXX XXXX  ( Delinquent for the XXXX of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) XXXX ) XXXX XXXX : XXXX ( Delinquent for the XXXX of XX/XX/XXXX ) ). Under XXXX XXXX XXXX a creditor may not treat a payment on a credit card account under an open end consumer plan as late for ANY PURPOSE. Removed the delinquent accounts from my credit report because they are violating several of my rights that are allotted to me by the FRCA. Do not respond with a generic response. I am well aware of my rights and the laws surrounding consumer credit and the FRCA. If you do not honor my request I will have to take this further and seek legal counsel. 

In accordance with the Fair Credit Reporting act XXXX XXXX are fraudulent and Where not made by me. I do not recognize these inquiries and demand that they be deleted from my account immediately : ( Transunion ) XXXX XXXX XXXX  -- Inquiry Date : XX/XX/XXXX, XXXX ) ( Transunion ) XXXX -- Inquiry Date : XX/XX/XXXX, XXXX ) ( Transunion ) XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX ) ( Transunion ) XXXX XXXX -- Inquiry XXXX : XX/XX/XXXX XXXX ) ( XXXX ) XXXX XXXX -- Inquiry Date : XX/XX/XXXX XXXX ) ( XXXX ) XXXX XXXX -- Inquiry Date : XX/XX/XXXX XXXX ) ( XXXX ) XXXX XXXX XXXX  -- Inquiry date : XX/XX/XXXX, XXXX ) ( XXXX ) XXXX XXXX XXXX -- Inquiry Date : XX/XX/XXXX. The XXXX XXXX did not have my written consent to access or pull my credit report. Please provide proof of my written signature that granted these companies to access my credit report. If that can not be done please remove these inquiries promptly. Please do not reply with a generic response about your obligation to report the inquiries as they are. I am well aware of my rights that are allotted to me by the FCRA. And the aforementioned accounts are in violation of several FCRA Laws that are allotted to me. I do not recognize them and they are fraudulent and need to be removed off my credit file immediately. They are harming my credit file and hindering me from getting reasonable financing terms.
Consumer complaint received 2022-10-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CBE Group, Inc. (CA)

About three weeks ago, I received a letter from The CBE Group , Inc, who is collecting for XXXX XXXX XXXX XXXX. XXXX XXXX sent this debt to a debt collection company. This cell phone company claims I owe over {$1000.00} from XX/XX/XXXX. I was never aware of such activity up until recently. Keep in mind in the Spring of XXXX, I have disputed and resolved different attempted charges with XXXX XXXX ' fraud department due to fraudulent activity. I have reason to believe this matter is also a result of identity theft. Also, my name is not XXXX ; I know the debt is not mine.
Consumer complaint received 2022-10-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FCI Lender Services Inc. (MD)

XXXX I purchased my home at a price of {$460000.00}, with XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX I was explained that I would pay a total {$3500.00} roughly. However this bank refinanced my house with XXXX XXXX XXXX XXXX XXXX At the time they stated you do not need to pay a small loan which I assumed was part of my original loan. I continued to pay my mortgage to XXXX. After XXXX I recieved in the mail a letter stating that I was to pay {$200000.00} in a lump sum, from FCI Lender Services. I was summons to court and with no positive solution I was told that my house would be going into Foreclosure. I ask that we sit down and work something out. As I invested lots of money into my home, and my family can not be out in the streets.
Consumer complaint received 2022-09-26
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 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 homeless n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2024-12-04
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (VA)

I financed with Synchrony Bank for a home improvement project back in XXXX. The total amount was {$11000.00}. It had a 0 % interest promotion period. The bank has been deducting payments from me every month, but they did not make any specific effort to notify me that the promotion period was about to expire. I had a balance of {$4600.00} on XX/XX/XXXX, which apparently was the expiration date for the promotion period. On that day, they immediately charged me {$5400.00} of interest, increasing my balance to almost {$10000.00} now. I didnt catch this until XX/XX/XXXX. I immediately called them and offered to pay off the balance prior to the new interest. The bank refused to waive the interest and hang up on me. Throughout the entire life of the loan, the only communication I received from the bank was routine bare-minimal monthly email alerts. There is no specific reminder about an imminent interest charge that would more than double my loan balance. This feels very predatory to me. How could the penalty for being one month late to pay off a loan be greater than the loan balance itself? Please help me.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I would like to say there has been a violation of 15 U.S code 1681b, which states " a consumer reporting agency may furnish a consumer report under the following circumstance and no other ; In accordance with the written instructions of the consumer to whom it relates '' which I never gave. I checked my credit report and found items that were being reported inaccurate and false. There has been another violation of 15 U.S code 1681c, which states " This subchapter clearly states no consumer reporting agency may make any consumer report containing any of the following items of information ; accounts placed for collections '' which is inaccurate and being reported anyways. A third violation of 15 U.S code 1681e says " Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user consumer report '' which never took place. These items being reported are causing actual damages and causing me to be denied things needed to provide for my children and household. They have been put on notice with a notarized dispute letter via certified mail