davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-30
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. (NC)

Twice now, and on time, I have made a payment to pay off loans directly from my bank account, which I triple-checked to make sure I had the right routing and account number, and both payments ended up with a payment reversal status the exact same day I tried to pay them. 

My first payment was {$120.00} on XX/XX/ and my second payment was {$240.00} on XX/XX/. I received payment confirmed emails both times and NO indication that the payment was rejected for any reason. 

I would like to pay these off in a timely manner and they have not been helpful at all.
Consumer complaint received 2024-08-28
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 under 15 USC 1681. 

XXXX. XXXX XXXX  ( credit card ) has violated my rights. I looked at my credit report on XX/XX/year> and noticed some things are incomplete and not accurate. According to the fair act 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 according to 15 USC 1681 ( a ) ( b ) And according to 15 USC 1681i 5 they suppose to do this ( 5 ) treatment of inaccurate or unverifiable in formation ( A ) in generalf, after any reinvestigation under paragraph ( 1 ) of any information in disputed by a consumer, an item of the information found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681 s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable causes to believe that the information is inaccurate.
Consumer complaint received 2024-11-13
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (TN)

While attempting to add a line to my new XXXX XXXX XXXX account i was told I can't proceed because I owe money to a TV service provider called IC Systems. Since I have never heard of this company but have had my identity stolen several times I called them @ XXXX XXXX XXXX. They stated i owe XXXX XXXX money and have to pay IC Systems. I have never had XXXX XXXX at all. And just had another alleged XXXX XXXX account removed from my credit. As well as XXXX XXXX XXXX accounts removed, a discover account removed ect. So I called XXXX XXXX. They confirmed I have never had an account with them nor have they reported any form of debt to a collection agency. I then called the collection agency back and let them know I am requesting a debt validation letter in accordance with the FDCPA. I am submitting this and then going to attempt to get XXXX XXXX XXXX to speak with XXXX XXXX  to fix the issue. Then I will file another police report. It is either identity theft or straight up fraud by the alleged collection agency.
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Upstart Holdings, Inc. (NC)

The company reported me as 30 days past due but during that 30-day period, I was unable to manually go to their website and make a payment. I did eventually call them to report the problem and was informed I could also make the payment by phone so I did immediately. I actually have 2 loans with this company and did not have problems accessing the other loan and made that payment on time. They are now showing on my credit report as 30 days late and it is negatively impacting my credit. I disputed the record but they refused to change it.
Consumer complaint received 2023-06-30
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (OH)

On XX/XX/XXXX, my FICO score on Experian website dropped by XXXX points ( from XXXX to XXXX ). When I checked their site for the reason, it says XXXX of my accounts was reported as XXXX days past due. However it does not say which account it is. I downloaded my detailed credit report from their website and all accounts are in good standing. I have NEVER missed a payment on any account in my life! 

I have made several attempts to dispute this derogatory entry on my report with Experian. Every time, they refuse to help because the credit report does not show the name of the account that is past overdue. I keep going in circles with them and I get no assistance to remove this entry from my report. 

I cross-verified this with XXXX and XXXX, and they do not have any such entry. My XXXXredit score there is excellent ( XXXX ) with all accounts in good standing. 

Since this derogatory remark has severely impacted my credit score, I need to get this removed asap. Can some please help me?
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I recently received a copy of my ( Experian, XXXX and XXXX ) consumer report, and I noticed some late payments posted on my consumer report : Account number ending in # XXXX, Late payments, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XXXX XXXX XXXX is in clear violation of the law, Pursuant 15USC1681 1a 2 ( a ) ( i ) -EXCLUSIONS-Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681-3 of this title, any- ( i ) report containing information solely as to transactions or experiances between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions between the consumer ( ME ) and the person ( YOU ) ( XXXX XXXX XXXX ) Making the report is not INCLUDED on my consumer report!

A Late payment is a transactional history, My HISTORY with your company. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! 
YOU HAVE VIOLATED FCRA 15USC 1681a 2ai by reporting this transaction or experience on my consumer which CONGRESS clearly states IS NOT on my CONSUMER REPORTS.
Consumer complaint received 2023-05-03
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. (WI)

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 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 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 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 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 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 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 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 XXXX XXXX XXXX
Consumer complaint received 2023-09-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

On Saturday, XX/XX/2023 I deposited check with amount of {$2200.00} through the ATM in Capital One XXXX to my checking account in this financial institution. 
Normally money available fully ( if deposited through a cashier ) or partially ( if online ) but only if you deal with a decent bank. In case of Capital One these cheaters do not provide cashier service and instead of expedited on-line services they simply delay operations taking advantage of saving their business expenses in both online and offline cases for the cost of customers ' convenience. 
The check has come from well known job-related settlement of the Doe v. XXXX , Inc. lawsuit . The check obviously is legitimate and covered by XXXX and Settlement Administration so there is no doubt it would be paid. Capital One had enough time during long weekend to make sure the check is fine but instead on XX/XX/XXXX these clowns sent me email claiming " there's an increased risk that the deposit may return based on confidential information that indicates the check may not be paid '' and availability of funds delayed. Really? Tell XXXX about these clowns ' opinion, what would they say. Besides such a statement was quiet offensive, the delay is totally unreasonable and inappropriate for me since I relied on those funds to make my car fixed and Capital One caused lost wages since I use my car for driving XXXX and soonest repair was essential. 
Furthermore Capital One placed restriction on my checking account claiming account was overdrawn. While the {$95.00} overdraft of an account is still not a solid reason ( it was not a first time account overdrawn and was always covered without any problem ) for placing any restriction on it, by the time they made such a decision they already had my legitimate check deposited and it was more than enough to cover the overdraft so decision they made was illegal. 
Now they are going to close my checking account ( without a good reason ) and my remaining funds would be paid by transfer to external account which cause additional delay of availability of my money for approximately one another week, which also has no good reason at all.
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to you with the utmost urgency regarding an egregious case of identity theft and fraudulent accounts on my credit report. I recently obtained a copy of my credit report from TransUnion, and to my dismay, I discovered multiple unauthorized accounts and transactions that I did not open or authorize. This situation is causing significant distress and financial harm, and I insist on immediate and aggressive action to rectify this grave injustice.XXXX  XXXX and Chapter XXXX Bankruptcy Reference # : XXXX
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my 19th 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 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 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (SC)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned about : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

The unverified inquiries indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these inquiries to be authenticated ( A ). I will take legal action against you if you do not validate these inquiries. Please follow the law so that this situation can be settled quickly. 

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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act. The below account has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX { {$310000.00} ) } XXXX  15 U.S.C, 1681section 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CA)

My complaint is against XXXX and Mohela. 

During the last week in XXXX, I spoke with a representative from XXXX about the SAVE program and I decided to apply because the rep explained its benefits. The federal government is touting how easy SAVE is, but lenders like XXXX are not making it easy. I applied for SAVE manually because I am making less money than last years XXXX. XXXX requested I submit my paystub to them, even though I already submitted to studentaid.gov. The XXXX website wasnt allowing me to upload the documents, so I submitted to the email they provided. I never got a confirmation. So, days later, the site was back up so I submitted again. They said they received the application on XXXX and it would take XXXX days. I received an email today that it would take another XXXX days from today. I feel like lenders are stalling so that borrowers are forced to pay higher payments and higher interest. 

Regarding Mohela : I had to go to XXXX to learn how to bypass their automated system. I applied for PSLF last year, received a confirmation letter, and never heard anything. I couldnt reach Mohela because you need account information to bypass the phone system, but I never got an account because I finally learned there was an issue with my application. Wait times are so long that I took a day off work on Monday to try to get these things figured out and they are so far from being figured out its insane. 

These lenders are taking advantage of us and breaking us down and they must be held accountable. I have filed XXXX complaints on studentaid.gov and I contacted my Congressperson as well.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

I have an ID theft report that shows I don't ask for these inquiries. The inquiries are : XXXX  XXXX XXXX DATE XX/XX/XXXX, XXXX  XXXX XXXX DATE XX/XX/XXXX, XXXX XXXX DATE XX/XX/XXXX AND XXXX XXXX XX/XX/XXXX. This is not mine, please delete it from my credit.
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an XXXX & Equifax breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I am writing to formally dispute and request the investigation of several inaccuracies and fraudulent activities on my credit report obtained from your bureau. After careful review of my credit report, I have identified the following discrepancies that require your immediate attention and resolution : 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
The personal information listed here are inaccurate and seems does not belongs to me. I dispute the accuracy of the collection accounts listed above. I have no knowledge of these accounts, and I have not been contacted by any collection agency regarding this alleged debt. I request a thorough investigation into the validity of this debt and ask that it be removed from my credit report if found to be inaccurate. I have not authorized or initiated any credit applications with the companies or institutions mentioned above. These inquiries are fraudulent and unauthorized. I request that they be promptly removed from my credit report to prevent any further damage to my creditworthiness. I understand that the Fair Credit Reporting Act ( FCRA ) mandates that credit reporting agencies like yours ensure the accuracy of the information they report. Therefore, I kindly request that you promptly investigate these disputed items and make the necessary corrections to ensure the accuracy of my credit report. Enclosed, please find copies of supporting documents, such as identification documents and Proof of Address attached on my letter to assist in your investigation. Please inform me in writing of the results of your investigation once it is completed. I also request that you provide me with a free copy of my updated and accurate credit report once the removal have been made.